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Our society is becoming increasingly cashless, with more customers expecting to be able to pay by card. It's more important than ever to remain competitive by accepting card payments online, over the phone and face to face.
An easy way to take card payments is to use a payment processor. They offer a range of solutions for various business types, with user friendly interfaces and apps.
As well as facilitating transactions, payment processors provide several essential services, including fraud prevention, data privacy security measures, reconciliation of transactions for accounting purposes and ensuring compliance with payment industry regulations.
Payment processors operate by taking a small fee per transaction, while allowing businesses to setup payment solutions quickly and easily.
To take card payments in person a POS (point of sale) device can be used. These are often hendheld units provided by the payment processor, normally for a small fee.
Over the phone payments require a virtual terminal, usually provided as standard. Taking payment involves using a web-based interface to manually enter the card details.
Online payments use a payment gateway, provided by the payment processor. Integration with your e-commerce platform allows customers to order directly from your website.
One of the biggest reasons to accept card payments is that it can increase your sales volume and revenue, as customers tend to spend more when they can pay with card due to the ease and convenience factor.
There are plenty of other reasons why you should consider accepting debit and credit card payments, outlined here.
- Customer Convenience and Impulse Purchases
- Increased Sales
- Global Reach
- Reduced Risk of Fraud
- Streamlined Accounting
- Recurring Payments
- Improved Cash Flow and Data Insights
- Customer Loyalty Programs
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Accepting card payments, whether credit or debit cards, offers numerous benefits for businesses.
This includes customer convenience, increased sales, global reach, reduced risk of fraud, streamlined accounting, recurring payments, improved cash flow, data insights and customer loyalty programs.
You can sign up with a payment processor, which will allow you to use a payment gateway to accept card payments over the phone.
To take card payments online, you will need a payment gateway compatible with your ecommerce shopfront.
Payment processors can usually provide a service that is easily plugged in to your website.
To take payments in person, you will need a card reader or point of sale device.
Payment processors usually provide these devices at a low cost, and charge a fee on the transactions taken through it.
It is still possible to take card payments in person but without a machine.
Some payment processors provide smartphone apps that allow you to enter the customer's card details manually or enter a QR code to securely take the payment.
Card payment processor fees vary, but generally range from around 1% - 3.5% of the transaction.
You can accept card payments without a merchant account by using a payment processor. These services will hold the funds from a card payment until it has been processed.
One of the easiest ways to take card payments is to use a payment processor. They offer a range of solutions for various business types, with user friendly interfaces and apps. These systems are easy to setup and work by taking a small fee from each transaction.
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