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Current Opinions On Best Mobile Credit Card Options


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#21 Stephen

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Posted 18 July 2014 - 04:58 PM

Our PayPal here account works a little differently than above. When a card is swiped the money goes to our business PayPal account. We can transfer that money to our bank account, spend it directly using the PayPal account with PayPal checkout online or an added a debit card. We declined the debit card and just move the money to our bank account. You may be able to have it go automatically, I'm not sure but definitely with a click when your logged in. Also does a lot of customer management for credit and cash purchases and generates tax reports and such.

 

I have not used Square but I have heard that the money may well get to your bank a day or so faster with Square but with PayPal there is a way to have instant access to some or all of that money.  So as usual there are pros and cons top both services.

 

Another reason we chose PayPal is that you can actually talk to a person if you need to and I hear it is hard to get that level of service with Square.

 

I see a lot of postings around where folks like to setup both of these services and then run cards based on their particular circumstances and to have a backup if there is a problem.



#22 oldlady

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Posted 19 July 2014 - 10:44 PM

john, there are ways of hiding cash that are simple and effective.  wearing it is best, a belt of some kind is good.  a container that is overlooked by thieves is the good old battered yellow envelope marked " Pictures of grandkids" that i used to take the funds collected from the office workers for our picnic supplies.  i was duped by a woman asking how to fix some meat while her companion lifted my wallet from my purse but totally ignored the bulging envelope with $500 in it.

 

no money lost but is sure miss that picture of my kids and the other cards in the wallet.


"putting you down does not raise me up."

#23 Mark C.

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Posted 20 July 2014 - 03:23 PM

I have been contemplating taking credit cards exclusively.  Cash is such a problem, you need to make sure you have change and keep a wad of money with you.  I have never had an issue with losing money, but it is just a matter of time.  Credit cards are so easy and the vast majority of my sales are with a card anyway.  I am not sure I would lose any sales if I stated credit cards only.  have any of you contemplated this.

 

I know it flies in the face of making it as easy as possible to people to pay you and accept the way they want to pay, but with so many credit cards and if someone wanted to pay with cash and I stated that I only accepted credit cards I am not sure that it would be an issue.   

 

Just something I was thinking about a couple of weeks ago when I was having a good day at a sale in a more urban setting and walking around with well over $1000 in cash made me nervous.  There were so many people around many people had to see the cash exchanging hands that day.  I was an easy target.

I use a  small cash register which does the tax rate wherever I go

its battery or inverter powered-I use an inverter as I can charge other things(I pack a small jump car starter for the power source)

I use the I phone(verizion) with square and if they want a reciept I write one fast (no details) on a small reciept book with my logo and info on each reciept.I also have a wireless card terminal when the the  cell service is bad (its at$t) or I have a large line as it faster than the square for sales.

I have a I pad mini but never use it at shows as its one more thing they WILL break.I rarely let my phone out of my hand when they sign as well.

About 1/3 of folks want reciepts another 1/3 are in the square system so you just send them one another 1/3 do not want anything

I carry a small custom leather waist belt ( made with a rear zippered section and a front pouch)as do all pro oldtimer vendors with my important stuff and small bills for change.

Its really a simple system-only accepting cards will be a loss of some sales if you choose that

change is part of life get used to it as much as we hate it.Round to even dollars if that helps

about 1/3 to 1/2 is cash for most of my shows

handling cash is part of being street wise-being street wise takes some thought and experience

Wear your money always.Be aware when opening your bag of your surroundings (people)nevrer leave cash in booth at night.

I empty the register at night and start with a fixed amount (never count coin change)every day.

If I only where to take cards I may as well sell used cars as cash is king for many still.

Mark


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#24 Brian Reed

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Posted 20 July 2014 - 05:18 PM

Thanks Mark and others. I will always accept cash at this point. It is always a good idea to consider things to see if there is a better way. See you in Anacortes.
Brian Reed

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#25 DirtRoads

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Posted 20 July 2014 - 07:21 PM

730_cash_only.jpg?t=1405901506695

 

I use this 6 foot banner at my check out area at the Canton, MS Bi-Annual Flea Market.(the only 2 shows I do now)    Saw my banker there last Spring and he laughed at it.

 

I lost 3 or 4 sales in May.   There is an ATM about 200 yards away and we hold items if they don't have cash.  Most customers have cash.   And say "I'm saving my cash for vendors that do not accept Credit/Debit cards."  I have my van right behind my booth so securing cash is not problem.  I add sales tax and round UP to even numbers.   In the fall we've sold out every market so I don't really care if a few people put items back.   The cash paying customers will pick them up.

 

I use Square at the studio.  Very pleased with it so far.



#26 Stephen

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Posted 21 July 2014 - 10:38 AM

Hi DirtRoads,

 

I am wondering why you pass on taking credit cards at shows since you already have Square already setup at your shop?  



#27 DirtRoads

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Posted 21 July 2014 - 11:18 PM

You can't get consistent reception there for cc machines.   I know some vendors just run them and authorize when they leave.    Most cell phone service is sketchy there.   Over 1000 vendors ... not sure how many people attending.    I took a mobile credit card machine there 3 years ago (not square) and it took like 15 minutes to get a transaction through.  Put the machine up and haven't used it since.  



#28 CarlCravens

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Posted 24 July 2014 - 01:07 PM

Square just announced offline mode, which lets you take payments when you don't have an internet connection.

 

https://squareup.com...th-offline-mode


Carl (Wichita, KS)

#29 neilestrick

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Posted 24 July 2014 - 05:07 PM

Square just announced offline mode, which lets you take payments when you don't have an internet connection.

 

https://squareup.com...th-offline-mode

 

The problem is you still don't know if the card will go through or not. So this is only slightly handy because even though you swipe the card, you still need to write down all their contact info in case the card is declined later on when reception is restored.

 

I have done shows with little to no cell reception, and I just write down all the info and enter it into the system when I get back to my shop. I have been lucky that every card has always gone through without any problems. But I don't know if I would be willing to do that for a big sale, like over $400.

 

I love cash. But coins are a hassle, so I simply add the tax and then round down to the nearest dollar. Everyone wins. I do not recommend using any sort of cash box at a show. I have heard many horror stories about money disappearing from boxes. I keep all my cash in my pockets all weekend at shows. I don't leave it in my hotel room or in my car. I was at a movie a couple of weekends ago after a show day with $1000 in my pocket!


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#30 Mark C.

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Posted 24 July 2014 - 08:07 PM

With no service your options are limited

The old school is what we call the nuckle buster -lay the card in it with a paper and catch the imprint-ask for the perntent info in case it fails at the end of day when you enter it. This was how it was for many years folks-before cell phones for those who can recall that time.

A better option is say my credit card machine which has a store and forward mode(these used to be radio waves and then switched to cell servive some years back) keeps all the data until I can get reception or plug into a land line and it then goes-In either of these cases a bad card is a bad card so you take all the risk

We who are in the fair business have done all these with very few bad cards over time. You need to be able to read your customeer and not take a card for large sales unless it feels right.

Just another skill needed.

Mark


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www.liscomhillpottery.com

#31 Mug

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Posted 26 July 2014 - 07:49 AM

I use square and pay pal as a back up. Some people like pay pal. I stopped using the card readers at events, spotty overloaded internet and cell service seems to be the norm. It's nice to see square now has offline mode. They have the defaut transaction set at a $100.00 max, but you can change that. I don't like the Idea that you can not cancel a transaction unill it goes though. That could upset a few costomers.



#32 newby Jan

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Posted 05 August 2014 - 06:04 AM

If you don't take cash, I don't buy...anything.  I come to a show with a budget amount and like your idea of pricing to avoid small change/coins.  Good idea to be safe by sending larger amounts of income off with a friend.  It is understandable that the seller not like stickers on items, but as a shopper I don't like picking up lovely items to see the bottom.  I respect the time and effort the maker put into their items, and accidents do happen with handling.  It is annoying to me when the seller is chatting for too long to one person when potential customers are obviously interested in buying.  Also annoying is the increased time it takes to make a transaction when a "card" is used.  Space is limited and others want in to view the products, so a speedy transaction is important.



#33 Patsu

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Posted 05 August 2014 - 07:26 AM

I use propay and like it.  You have to ensure that your phone will work with the propay jack that you get, and the jacks are not expensive.  If you do not have reception, you can store the card or manually enter it, though there is a trust relationship there.  The way I look at it, they are trusting me, too.  

 

One thing that I don't like is that the cert is short-lived (for reasonable security reasons) so you often have to re-enter your permissions, then your pin.  And if you blow either one 3 times you're locked out and need to get online or make a phone call. Meanwhile the customer is waiting.  If the piece is $10 or less, at that point I profusely apologize and offer to give them the piece for free, thanking them for their patience. So far though the customer has refused to accept the piece for free, and begs cash from someone else.

 

Also with propay they feature a "Buy Now" button service, where you go to their website with your permissions, then enter the cost of an item and the description, and the web page builds a custom Buy Now button that you then paste on your website; now when someone wants to buy that item they click the button and are transferred over to propay's secure site to buy.

 

The problem with that, is that if a customer wants to buy two items, they have to enter all of their information twice, with two set shipping amounts, in two iterations of the process.  A shopping cart is better for that, though depending on how one goes about that, one might take on more liability that way.  An https:/ website would be necessary for accepting card information over the internet (as well as many other security precautions - one would have to research their particular case).  For large single item purchases however, the buy now button is great!  Also, it is fast - so you can receive an email of interest, tell the customer what you want for the pieces that they want and what the shipping will be, then quickly assemble a buy now button and throw it up there in 5 minutes.  They then click it from their home and you get an email telling you they're good, ship the item. 


"In everything, never do as others do." - some ancient mystic's grandmother





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