Using Worldpayzinc keypad for Chip n Pin

[kihughes]

New coffee house opening and we haven't got a clue on how much we would take in card payments which all chip n pin companies are adamant on knowing.

Adding on a monthly charge, minimum fees or usage costs per month and it most companies are quoting around £30+ per month even before you make a transaction. I was quoted yet again today at 13p per transaction and when I told the guy that's a hefty cost if someone only purchases a coffee he didn't understand.

We've decided to hook up an ipad and have decided on using the worldpayzinc keypad as it looks as close and professional as usual chip n pin. No monthly fees and just 2.75% per transaction.

Anyone got any experiences with it?

 

[Tech4Homes]

I haven't used the World Pay one, but I do use the PayPal Here reader and it's very good. Works perfectly, once you get used to it it's not much slower than a normal chip and pin machine, just bear in mind that for receipts you will either need to hook up a printer (provided world pay one accepts printing) or email a receipt to the customer. I can't imagine many people will have an issue, maybe business men/women who need a receipt for expenses...

I would say that it's a good idea to get you started then consider a proper machine when you know how much it'll get used.

 

[kihughes]

That's the idea to just use it until we find our feet with card payments. Are customers ok with the smaller card machine then?

I did look at the paypal here reader but the world pay one looks a lot more professional.

 

[Unshoesual]

I've invested in a worldplay one. I have a static machine in the shop (which I'm getting ripped off on but hey ho, you live and learn!) but bought a portable one for when I'm out and about. I haven't had chance to use it yet apart from a practice .01p. It does allow you to print or email the receipt to the customer. It isn't plugged into my smart phone, it connect via the blue tooth.

Overall, I'm really pleased with it

 

[kihughes]

Which provider is that with?

The only issue I'm thinking is printing the receipt?

 

[Merchant UK]

New coffee house opening and we haven't got a clue on how much we would take in card payments which all chip n pin companies are adamant on knowing.

Adding on a monthly charge, minimum fees or usage costs per month and it most companies are quoting around £30+ per month even before you make a transaction. I was quoted yet again today at 13p per transaction and when I told the guy that's a hefty cost if someone only purchases a coffee he didn't understand.

We've decided to hook up an ipad and have decided on using the worldpayzinc keypad as it looks as close and professional as usual chip n pin. No monthly fees and just 2.75% per transaction.

Anyone got any experiences with it?

Hi,

I was in your boots a few months ago, i had a few customers offered to pay by debit and credit card, but saying i only did cheques or bank transfer seemed to lose me a percentage of sales by people who normally pay via debit card and lets face it more and more people are doing this every day.

I signed up with Worldpay zinc for their pay as you go service which is suited to my business, Nothing at all to pay monthly what so ever, Plus you get the funds in your account within 3 or 4 working days. The Keypad is all you need to buy to get started, i paid £59.99 for mine but you could save £20 of the price of yours by using the link in my signature. So yours would only be £39.99

Thats it, you can download the app software to your iphone or android phone, they even have a version for the Ipad

Another bonus is that you can take telephone orders for payment by going to your online account pages and entering the customers card details.

I had my doubts to start but now i'd be at a loss if i didn't have my keypad in my van.

This is a great product for tradesmen, small businesses, Bootfairs, and exhibitions, self employed the list is endless and offering an additional means to get paid which you or most importantly your customers didn't have.

If we had awards for the best business idea of the year then this would be my nomination by far.

if you need to know any more, pm me

 

[kihughes]

Would you say people trust it as much as usual chip n pin?

 

[Merchant UK]

Would you say people trust it as much as usual chip n pin?

I've not had any problems, Worldpay give you stickers that you can put around your premises, and as a UK leader in Merchant Accounts, Worldpay is definitely a well trusted name.

People will see that your a small business, they don't expect you to pay 30-40 quid a month just to put up the prices of their coffee to cover the expense.

Get a Small Tablet or ipad, and use that specially for your customers to pay with, look more professional and you can personalise the payment page with your Company name or logo.

I wouldn't have any issues with it and your customer gets a receipt in their phone or email, so its environmentally friendly too

The great thing is if you don't use the service there's nothing to pay at all, so its better for you and your cashflow

 

[LMDServicesUK]

Would you say people trust it as much as usual chip n pin?

Customers are much more comfortable with the idea these days, and it is a great way to test the demand, and as the revenue through the system increases then you should consider putting a contract terminal in, but only when the running costs of the WPZ solution are greater than that of a conventional terminal and merchant account.

The break point is around £ 40 PCM in running costs, so at least £ 1500 PCM in revenue at which point a conventional solution will be more cost effective.

Remember 65% of adults will not go into a shop/café if it does not take card payments...

Rgds

Mark

 

[Mayor]

Remember 65% of adults will not go into a shop/café if it does not take card payments...

I love statistics, and put a lot of store in them, but like to know their source.

This one ?

 

[LMDServicesUK]

If I remember rightly it was from some research undertaken by UK Payments (card payments trade body) earlier this year, I will dig out my notes and post accordingly.

Tx

Mark

 

[Talay]

..Remember 65% of adults will not go into a shop/café if it does not take card payments...

Rgds

Mark

Nonsense. Do you think anyone aside from retailers of card solutions would come up with such a number ?

One of the most popular London cafes, turning over maybe a million a year, doesn't take any cards and there are queues out the door and 20 metres down the street just to get in each day.

Taking card payments would presumably have their queue somewhere around the block and back again

 

[Merchant UK]

Nonsense. Do you think anyone aside from retailers of card solutions would come up with such a number ?

One of the most popular London cafes, turning over maybe a million a year, doesn't take any cards and there are queues out the door and 20 metres down the street just to get in each day.

Taking card payments would presumably have their queue somewhere around the block and back again

I get a coffee morning from starbucks in blackfriars and almost every one uses credit or debit card. In fact I welcome someone using cash as the transaction will be quicker but it's yet to happen.

In fact I'm Pretty sure cards have overtaken cash as s payment method mostly used some years Ago.

 

[kihughes]

Thanks everyone. I'm going to get a metal stand for the ipad to fit to the counter then so it looks a bit more official then.

 

[P&JCo]

Hi

I purchased World Pay Zinc about a month ago and found it very easy to use; i bought it as I was exhibiting at a wedding show. I found it connected easily using the bluetooth to both my iPhone and my iPad. It is also very easy and extremely handy when issuing receipts; this can be done via text or email. No need to print receipts. It can also track your cash payments, which is another handy feature and does not incur any charges.

I hope this helps.

 

[kihughes]

Anyone any experience of actually printing the receipts?

 

[Merchant UK]

Anyone any experience of actually printing the receipts?

The receipts go to the card holders Mobile Phone as a text or to their email they can print it out themselves if they want to.

When you get yours you can try a sample purchase and see yourself how you get the receipt

 

[islandgirl]

This is a really timely post as I'm about to go to a 'ladies day' exhibit/sales/promotion day. Ive been told that there is little/no mobile signal (none mostly) and I'm really wondering how to take payments! Have contacted my chip/pin provider and I cant get manual card machines (not secure, no protection from fraud) . They've offered old style card / carbon slips but I need authorisation and still open to fraud (big style) .
Any ideas?

 

[Unshoesual]

This is a really timely post as I'm about to go to a 'ladies day' exhibit/sales/promotion day. Ive been told that there is little/no mobile signal (none mostly) and I'm really wondering how to take payments! Have contacted my chip/pin provider and I cant get manual card machines (not secure, no protection from fraud) . They've offered old style card / carbon slips but I need authorisation and still open to fraud (big style) .
Any ideas?

Hi T

Can't remember if it's an evening or day event? If it's a day, who's covering the shop for you? You could call them and get them to manually put the card details into your static machine? If the customer's happy with you doing that.

If not, get the people promoting the event to make sure everyone knows it's cash only on the day or ask them if there's any WIFI you can connect to? x

 

[islandgirl]

Hi L,
Yes I had that thought too but it's a sunday and my only helper is coming too.
Im being a bit dense but how will wifi help?

 

[Unshoesual]

Mine needs to connect to the internet to be able to register the sale (hence the 3G) so if you can connect to WIFI, it would work through your phone. That's the problem I had at that private school. No 3G or WIFI connection

 

[StratBee]

Whatever, happened to the o2 Pin Pad?
Once it was about for £20 then "POOF" gone!

Does anyone have an o2 Pin Pad or have the users disappered too?

 

[Merchant UK]

Mine needs to connect to the internet to be able to register the sale (hence the 3G) so if you can connect to WIFI, it would work through your phone. That's the problem I had at that private school. No 3G or WIFI connection

Wow a private school with no wifi or 3G ? I think they need to put their fees up

 

[Unshoesual]

Wow a private school with no wifi or 3G ? I think they need to put their fees up

I know. It was ridiculous! 3G was none existent as it was in the middle of nowhere but for their internet not to work either is embarassing.

The really funny part is that it was a fundraiser!! Their 3k+ per term per child clearly isn't enough!

 

[monaghan]

If the school Internet connection was available, it would most probably have been behind an educational firewall restricting what you'd have been able to do anyway. School IT systems generally are very locked down to protect the kids.

 

[Talay]

I get a coffee morning from starbucks in blackfriars and almost every one uses credit or debit card. In fact I welcome someone using cash as the transaction will be quicker but it's yet to happen.

In fact I'm Pretty sure cards have overtaken cash as s payment method mostly used some years Ago.

That is quite a different argument to the one I responded to.

I myself buy everything I can on Amex, including this morning my £2.40 Pret coffee. However, if they only took cash I would still purchase.

I doubt the cafe I quoted could do better if it took cards as the marginal extra customer would be offset by the extended times, until they fully resolve touchless payments, which still doesn't work flawlessly.

 

[Merchant UK]

That is quite a different argument to the one I responded to.

I myself buy everything I can on Amex, including this morning my £2.40 Pret coffee. However, if they only took cash I would still purchase.

I doubt the cafe I quoted could do better if it took cards as the marginal extra customer would be offset by the extended times, until they fully resolve touchless payments, which still doesn't work flawlessly.

I agree 100%, but either way it's still another form of accepting payment and to be honest the most you have the more chances there will be of generating further sales.

 

[Page]

You can also hire a machine for short term periods of a few months

This is another way of trialling things

You get a GPRS (3G) terminal and away you go

They want to know what you will turn over so that they can set the rates

You can always claim LOADS and then they will see the real figures and go okay sorry but we have to put your rate up now

 

[LMDServicesUK]

You can also hire a machine for short term periods of a few months

This is another way of trialling things

You get a GPRS (3G) terminal and away you go

They want to know what you will turn over so that they can set the rates

You can always claim LOADS and then they will see the real figures and go okay sorry but we have to put your rate up now

I guess you have never actually found out what the hire charges are.. Trust me you could buy a bunch of WPZ card readers @ £ 50 a go, for the cost of hiring a GPRS terminal card terminal for a week.. and you would still have to have a Merchant account in place with somebody before you could use the machine..

If you want to test the water then the WPZ solution is by far the best one out there, I only wish we still had an equivalent solution to offer our prospective Merchants..

Mark

 

[Merchant UK]

You can also hire a machine for short term periods of a few months

This is another way of trialling things

You get a GPRS (3G) terminal and away you go

They want to know what you will turn over so that they can set the rates

You can always claim LOADS and then they will see the real figures and go okay sorry but we have to put your rate up now

What thery would normally do is to charge you for the merchant account and charge you for the Rental of the Unit, you could be looking at paying £30 a month minimum or more if you want it for a lesser period, Plus they will generally hold back a percentage or even all of it for a few weeks incase of chargebacks.

I still say the best way isd to buy a Worldpay Zinc Keypad and you have it for life, no monthly fees or anything, You get your money in your bank within 3 days and world pay charge you a rate which they take via direct debit at the end of the month.

So easy and so much cheaper than the rental option

 

[Jeff FV]

Has anyone used the WPZinc for telephone payments?

On the WPZinc site I can't see it mentioned anywhere.

If you can use it for over the phone payments I'll get one, if not, its not worth it for us.

Thanks

J

 

[LMDServicesUK]

Has anyone used the WPZinc for telephone payments?

On the WPZinc site I can't see it mentioned anywhere.

If you can use it for over the phone payments I'll get one, if not, its not worth it for us.

Thanks

J

As far as I am aware you can, the service provides you with a VTG as part of the overall package.

Merchant Uk has a lot of experience with the service can you comment ?

Rgds

Mark

 

[Jeff FV]

VTG? Any chance of spelling that out for me? Virtual Terminal G ....??

Thanks!

 

[LMDServicesUK]

Apologies

Virtual Terminal Gateway, basically a link to a web based payment screen which will allow you to process telephone orders via your internet device..

I understand that with the WPZ system they will set you up an account to use their VTG platform, so as well as being able to take face to face payments you can also process telephone orders..

Sorry for use of TLA !

Mark

 

[Merchant UK]

Hi Jeff. and thanks Mark,

Yes, you can take payments over the phone using your Worldpay Zinc Online account

Customer Not Present sales are done from your PC from your online Zinc Account

So easy, you really can't go wrong