Paypal chip and pin machine

[LMDServicesUK]

Sorry I would refute the last Post very strongly, PS always explain these charges at the time of the quote, where they are clearly documented.

MMSC and premium charges are applied by nearly all Merchant Service Providers. The difference with PS is that they do not INCREASE them part way through a contract..

As for complaints, we have over 30,000 live merchants so yes some people will have had issues, but we always try and deal with them and if we have got it wrong we put it right, unlike some of our competitors..

Would you like to share where these "pages and pages of complaints" can be found so we can see if we can address those Merchants concerns directly ?

 

[JRooney]

I think the use of the word "always" in terms of explaining these charges to customers is a bit strong considering some of the complaints i have seen from local SME's dealing with PS in the past target this such issues of not being informed.

I certainly could share these but I assume you are able to use Google and would not want to detract from your work on these matters. After an initial search under PS complaints it is very easy to find examples.

 

[Geoff T]

Had a look at WPZ - and as part of Streamline, they won't work for me... did everyone know they were part of Streamline (if that makes a difference to you?)

 

[LMDServicesUK]

I stand by my statement as I know the Merchant charges are always clearly explained on the first page of the application agreement that the Merchant signs.

In my case I always clearly explain them to the Merchant so that there is no confusion.

Miss Selling is taken very seriously by the Business and people have been fired for breaches of the internal rules, so if a Merchant does feel they have been miss sold, they should raise the case with PS, and if they have been misled they will act accordingly..

We also use www.trustpilot.com which has both good and not so good reviews of us, so like I said if these complaints are genuine then hopefully these merchants will contact PS and they will try and help, if they can.

 

[Jeff Robinson]

I'm pleased to see iZettle has now regularised the issue it had with VISA card transactions. That makes it more of a competitor to Zinc, who for me are still the first choice. I have not had any issues with any transactions with Zinc over 12 months or so. a big thumbs up from me.

 

[Lunazzurra]

We too are looking very seriously at Paypal, iZettle, Payleven etc. alternatives at the moment.

We've had a Streamline Merchant Account with a standard terminal absolutely no problems for the past 7 years but now they've become Worldpay they have imposed a minimum of £25.00 (+VAT) per month transaction charges plus the rental fee (£14.95 +VAT). We take far more cash to cards (67/33). So a normal bill for me has been typically in the region of £25-30/mth total inclusive. Now, because of the "Minimum Charge Supplement" this month's bill has come in at £43.00 just because of this supplement!! And this is probably going to be the normal charge from now on.

So, looking for cheaper, no contract alternatives ........... but I have some questions/thoughts ........

I quite like the look of the Paypal reader, but it has no screen - would I have to physically pass my phone to the customer to confirm amount?

I quite like iZettle's/WPZ/Paylevens screen on the reader, but OMG - the reader itself looks like something out of the Ark!! (Remember the Zinclair ZX81??).

Also, does anyone know if you can you pair any of these with two phones? Our shop is run by myself and my wife only - we both have personal phones but not a dedicated shop one. It's more probable that only one of us will be in the shop at any one time but would two phones in range cause any problems?

Do you have to go through (and pay for) any PCI Compliance hassles every year with these systems?

How do I convince customers that I'm not keeping any information because of the fact it's going via my phone?

 

[CompuGlobal-Hyper-MegaNet]

I have iZettle now - free with santander's business accounts (although in hindsight, the hassle of opening an account with santander was not worth the saving!).
I was still a little skeptical about their claim to accept visa, given their issues with the awkward work-arounds, but it's accepted in the 'normal' way now.
I've asked a few people how they'd feel about it, and they were apprehensive at first, but since then, one has come back to me saying she's since seen and used it (to pay) elsewhere and didn't think twice. A lot of it boils down to how much you trust the vendor. Some people will always be uneasy with it, but then again, you still come across people who won't use their credit cards online and can't be convinced to trust even the safest and most secure sites, so be prepared for some hesitancy from some people!

 

[John mills]

I'm new here and just looking for some good advice with regards to chip and pin machines. My daughter has already purchased the paypal chip and pin and then asked what I thought!
One thing that does concern me is the fraud element of the transaction ( ie the purchaser uses a stolen/ cloned card ), I would like more information as who would take the "hit" in the event of a fraudulent transaction?
She has an online boutique and just set up a small shop and a market stall selling clothes. As a father I'd like her to do well, and knowledge is power! So if your reading this I would appreciate your input with your experience with such chip and pin devices, I would also like to take this opportunity in thanking you in advance!

 

[LMDServicesUK]

As you are using a device that requires the use of a PIN number, the liability for a fraudulent card transaction is trnsferred waway from the Merchant to the card issuer if the trnasaction later proves to be fraudulent, so in that respect it is quite safe. However it is always sensible to be careful with card transactions and if you are ever suspicious of a card do not accept it,, You are at far greater risk from telephone card payments so if you are nervous only accept F2F and ensure your website is operating 3D Secure the equiv of Chip & PIN.