Accept card payments by mobile phone

[-Chris-]

Does anyone here take payments from customers, face-to-face only via your mobile phone?

 

[Nico Albrecht]

It's called izettle and sumup.

 

[SMEMartyn]

I can take payment by phone. There are many providers you can use.

Look at Sum Up, Square and Stripe.

They have different fees per transaction so look properly.

 

[-Chris-]

Thank you both. This is for just taking payments in person, using ONLY my mobile phone and their credit / debit card.

 

[SMEMartyn]

Square app does that. Either text them a link or enter it in manually on your phone.

 

[kulture]

I understand your question, but if I was one of your customers I would absolutely refuse to let you take payment over a mobile phone using a virtual terminal which is what you are implying that you will do. I would ONLY let you use a chip and pin or contactless pad like the izettle. It is far more secure and my card details less likely to be stolen.

 

[ecommerce84]

I completely agree with @kulture - I wouldn’t want my card details input into a phone.

A Zettle, Square or SumUp reader costs £19 and are quick to process payments - far quicker than typing in card details.

The Zettle app does have a send link option which you can email or text a link, this works really well and it’s something we’ve used a lot remotely but it would work face to face by sending the link to the persons phone (this is built into the app so is quick) but even then, it’s still a slower process than using the card reader when they are right in front of you.

 

[wayzgoose]

Does anyone here take payments from customers, face-to-face only via your mobile phone?

Why would you not want to use a reader - very quick and simple process? A matter of seconds against faffing inputting details on your mobile.

 

[paybyphonesafe]

I understand your question, but if I was one of your customers I would absolutely refuse to let you take payment over a mobile phone using a virtual terminal which is what you are implying that you will do. I would ONLY let you use a chip and pin or contactless pad like the izettle. It is far more secure and my card details less likely to be stolen.

Or you can use a Secure Virtual Terminal which means customers type in their card details using their phone keypad.

 

[ecommerce84]

Or you can use a Secure Virtual Terminal which means customers type in their card details using their phone keypad.

What are the advantages of this though over a card reader such as iZettle?

The card readers are so quick, especially for contactless payments. Typing in a number takes time and is more open to errors.

 

[Legendary Workwear Ltd]

We use sumup to take remote card payments using payment links, they're really quick and easy, but the size of our card reader is nothing to carry around and connect when needed, although we've had no need to use it in person just yet.

 

[paybyphonesafe]

Has anyone considered using a Secure Virtual Terminal where the customer enters in their credit card details using their telephone keypad. This makes the system PCI DSS and GDPR compliant as the business never stores or has access to cardholder data. Check out Paytia - www.paytia.com

 

[paybyphonesafe]

What are the advantages of this though over a card reader such as iZettle?

The card readers are so quick, especially for contactless payments. Typing in a number takes time and is more open to errors.

I agree if it is an in person use case you are looking for then a card reader is your best option.

However if you take payments over the phone by asking the customer to read their card number, and you type it into your card reader or virtual terminal application it would not be PCI DSS and GDPR compliant as your business will have handled and processed cardholder data.

With a Secure Virtual Terminal the customer enter it in with their phone keypad. Meaning your staff never store or access that private and sensitive card data and thus complies with PCI DSS and GDPR