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Processing credit/debit cards with IPad/Iphone

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Processing credit/debit cards with IPad/Iphone

Old 07-14-2015, 07:20 PM
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Default Processing credit/debit cards with IPad/Iphone

About to start up a fee for service business. Would like to process credit/debit cards with an IPad or IPhone. Please share your experience with this process. Best card reader. Best, least expensive app. Already have business checking account set up that I want to link receipts to. Can bank be of assistance with this? My tech savvy is mediocre at best.
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Old 07-14-2015, 07:22 PM
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I'd probably use Square: https://squareup.com

Paypal is another possibility: https://www.paypal.com/us/webapps/mp...it-card-reader
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Old 07-15-2015, 09:01 AM
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I use square and have been very happy with it, although I have never used another (phone/ipad-based) service so I don't really have anything to which to compare it. Money is always in my bank account within 24 hours. Fees range from 2.75% to 3.5%, depending on whether the card is swiped or manually entered. No monthly fee or start-up fee.
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Old 07-15-2015, 09:09 AM
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I have FOUGHT using CC and debit cards for years but this past tax season we did get the Square and used it with my Ipad

The 3% (2.9 what ever) we just told customers up front that was added to bill if they wanted to use it, I keep my overheard low and prices reasonable and this would basically come out of MY POCKET if we did not add it in

I also bill a lot of clients as well and actually gave them the option, we send out a LOT of bills in summer time but not a huge deal to me

We did have quite a few use it and Secretary and I are probably going to look at a small across the board increase to cover this. Even most older clients now use debit card instead of checks

Worked fine for us and no monthly fee
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Old 07-15-2015, 09:55 AM
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Originally Posted by tprice View Post
I have FOUGHT using CC and debit cards for years but this past tax season we did get the Square and used it with my Ipad

The 3% (2.9 what ever) we just told customers up front that was added to bill if they wanted to use it, I keep my overheard low and prices reasonable and this would basically come out of MY POCKET if we did not add it in

I also bill a lot of clients as well and actually gave them the option, we send out a LOT of bills in summer time but not a huge deal to me

We did have quite a few use it and Secretary and I are probably going to look at a small across the board increase to cover this. Even most older clients now use debit card instead of checks

Worked fine for us and no monthly fee
I thought it was illegal to "charge a fee" to a customer to use a credit card... You can offer something off to use cash or check but cannot charge more for credit card purchase.
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Old 07-15-2015, 02:33 PM
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Originally Posted by amofgreenville View Post
I thought it was illegal to "charge a fee" to a customer to use a credit card... You can offer something off to use cash or check but cannot charge more for credit card purchase.
It's not illegal. It's against the merchant agreement for SOME credit card processors. Probably not for Square.
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Old 07-15-2015, 04:11 PM
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New rule if your ccard machine doesnt process the chipped cards by using the chip and fraudulent charges occur...tag your it and out the money not the ccard company. So beware
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Old 07-15-2015, 04:16 PM
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Originally Posted by amofgreenville View Post
I thought it was illegal to "charge a fee" to a customer to use a credit card... You can offer something off to use cash or check but cannot charge more for credit card purchase.

MY OFFICE MY RULES, they can take it or leave it or PAY CASH OR CHECK
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Old 07-15-2015, 04:19 PM
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My boss uses one that is connected somehow with his quickbooks. I don't know much about it all other than its 3% tacked on the bill if the customer uses credit/debit card.
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Old 07-15-2015, 04:20 PM
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I use square, and love it!! Money is in the bank the next day.

With the new cards/readers. You can reserve one now for 50.00 and within the first 3 months of using it you will be credited back.

I presume these cost more to produce. They are not out as of yet; but will be soon.


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Old 07-15-2015, 04:29 PM
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PayPal has some benefits over Square.

Flint is also *very* interesting.

If I had to pick 3 swipe processors to select from I would put Square on the list @ position #3.
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Old 07-15-2015, 05:03 PM
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Originally Posted by tprice View Post
MY OFFICE MY RULES, they can take it or leave it or PAY CASH OR CHECK
I like the way you think
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Old 07-15-2015, 05:09 PM
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I don't recommend keying in any card numbers. The devices are not PCI DSS compliant without P2PE. (point to point encryption) If the umber is keyed it is subject to key loggers and memory scrapers. If swiped it is encrypted at the reader.

Doug
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Old 07-15-2015, 05:09 PM
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Originally Posted by OldPete View Post
PayPal has some benefits over Square.

Flint is also *very* interesting.

If I had to pick 3 swipe processors to select from I would put Square on the list @ position #3.
If Paypal payment rules for their card reader are anything like their payment rules for eBay auctions I would stay far far away.

Flint is certainly cheaper than Square, but they haven't been around as long and I don't know what their track record is like.
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Old 07-15-2015, 05:48 PM
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Originally Posted by OldPete View Post
PayPal has some benefits over Square.

Flint is also *very* interesting.

If I had to pick 3 swipe processors to select from I would put Square on the list @ position #3.
Thanks, I have not actually sat down and compared the differences between them. I have been using square for around 3 years no with no complaints.

I may take a look at the others though..

David
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Old 07-15-2015, 07:35 PM
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Square works great on both. I pad and I phone.
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Old 07-15-2015, 07:59 PM
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We have a small business that my wife started and she uses square. Simple and easy with her iPad or iPhone.
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Old 07-16-2015, 04:38 AM
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I like Square, never a problem. Stay away from PayPal unless you're ok with them taking money out of your account for no justified reason. Good for buyer not seller.

Last edited by sjef; 07-16-2015 at 04:56 AM.
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Old 07-16-2015, 04:44 AM
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Square is fine for accounts processing less than $7500 per month and if you are never in need of real customer service. If you are Above $7500 per month then traditional processing becomes the more cost efficient option with the added benefit of true 24 / 7 phone based customer support.

Last edited by demjjm; 07-16-2015 at 06:17 AM.
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Old 07-16-2015, 05:51 AM
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if your customers don't mind paying directly from their bank accounts use dwolla, I hate paypal their fees are high and their service sucks.
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