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phone credit card reader

Old 09-09-2015, 07:41 AM
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Default phone credit card reader

What is a good smart phone app or reader to use as a credit card reader. I'm starting a new small one person mobile Rv repair business. I'm on a limited budget but will need the ability to take credit card as payment
Old 09-09-2015, 07:42 AM
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square reader , all you need
Old 09-09-2015, 07:49 AM
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x2 on square reader. works like a charm.
Old 09-09-2015, 09:11 AM
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I've heard the square fees are the highest. What kind of %fees do they charge?
Old 09-09-2015, 09:49 AM
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If your business progresses to over $7500 a month in total CC volume, you may want to look into a traditional credit card processor. You can still use a phone reader, however $7500 is the threshold for traditional processing being cheaper than these all in one services. Beware of the customer service with square as well, the last time one of their customers switched over to my service, they had a nightmare with email based customer service because they were not offering 24/7 customer support.

One last word of advice is to make sure whomever you use, processes with an EMV capable (chip card) card reader. As of October, if you take a fraudulent card, the least EMV capable party if responsible, for the charges.
Old 09-09-2015, 09:53 AM
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I have one from Pay Pal they sent me and it uses my Pay Pal account to debit and credit. Then using the accompanying Debit card to use the funds in and out. It is free to obtain but you pay typical pay pal fees for taking money. Never have used it though.
Old 09-09-2015, 10:21 AM
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Originally Posted by dazeoff dusky View Post
I've heard the square fees are the highest. What kind of %fees do they charge?
Square's processing fees are 2.75% per swipe and 3.5%+15 cents per manually entered transaction.
Old 09-09-2015, 10:24 AM
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Square for low volume as it is ridiculously easy to use and as someone mentioned a credit card processor for larger volume.
Old 09-09-2015, 10:27 AM
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I had a rear end rebuilt and the fellow swiped my card to his phone. When the bill came I didn't recognize a charge and tried to call the number associated with it on the bill. It wasn't a valid phone number so I disputed the charge. Turns out it was the fellow who did the rear end work. I Paypaled him the money via the same credit card.
Old 09-09-2015, 10:28 AM
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Originally Posted by demjjm View Post
If your business progresses to over $7500 a month in total CC volume, you may want to look into a traditional credit card processor. You can still use a phone reader, however $7500 is the threshold for traditional processing being cheaper than these all in one services. Beware of the customer service with square as well, the last time one of their customers switched over to my service, they had a nightmare with email based customer service because they were not offering 24/7 customer support.

One last word of advice is to make sure whomever you use, processes with an EMV capable (chip card) card reader. As of October, if you take a fraudulent card, the least EMV capable party if responsible, for the charges.
I asked this question before and think I understand that if we only do over the phone (via internet) cc transactions, we do not need the EMV reader. We never swipe a card. The info is given to us over the phone or email.

Is this the case?
Old 09-09-2015, 10:28 AM
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PayPal Swipe.
Old 09-09-2015, 10:29 AM
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Originally Posted by back at it View Post
Square's processing fees are 2.75% per swipe and 3.5%+15 cents per manually entered transaction.
If you manually enter card numbers on a phone you are playing with fire.

Doug
Old 09-09-2015, 11:11 AM
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Originally Posted by rdmallory View Post
If you manually enter card numbers on a phone you are playing with fire.

Doug
I actually never have needed to. (knock on wood)
Old 09-09-2015, 01:33 PM
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Square. PayPal and quick books all have one. Square is the easiest to use and set up.

Don't look just at the %. Look at what the charge back and refund fees are. Some won't refund certain fees so you're stuck with those even on a refund. All of their web sites clearly spell this out.
Old 09-09-2015, 01:43 PM
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Originally Posted by schoolsout1 View Post
I asked this question before and think I understand that if we only do over the phone (via internet) cc transactions, we do not need the EMV reader. We never swipe a card. The info is given to us over the phone or email.

Is this the case?
Where are you entering these transactions? Are you entering them through a gateway through a virtual terminal (online terminal)? Are the transactions being customer driven via a website? Are you keying them into a terminal or other device?
Old 09-09-2015, 01:51 PM
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Originally Posted by demjjm View Post
Where are you entering these transactions? Are you entering them through a gateway through a virtual terminal (online terminal)? Are the transactions being customer driven via a website? Are you keying them into a terminal or other device?
I don't believe the "where" matters. I think all of the scenarios you listed above fall under MOTO (Mail Order/Telephone Order) so he doesn't need to worry about a chipped card reader.

The key is "face-to-face" transactions -- you can't key in a card with the customer right in front of you and avoid the liability associated with EMV cards. No customer present, keyed card, you're good.

So schoolsout, I thing you're good.
Old 09-09-2015, 01:54 PM
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Originally Posted by demjjm View Post
Where are you entering these transactions? Are you entering them through a gateway through a virtual terminal (online terminal)? Are the transactions being customer driven via a website? Are you keying them into a terminal or other device?
Keying them on Heartland's (CC Processer) website
Old 09-09-2015, 01:55 PM
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Originally Posted by Qb1rdman View Post
I don't believe the "where" matters. I think all of the scenarios you listed above fall under MOTO (Mail Order/Telephone Order) so he doesn't need to worry about a chipped card reader.

The key is "face-to-face" transactions -- you can't key in a card with the customer right in front of you and avoid the liability associated with EMV cards. No customer present, keyed card, you're good.

So schoolsout, I thing you're good.
I think that is what I was told earlier, but I keep "checking" to make sure
Old 09-09-2015, 05:46 PM
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Square

Used for 5 years now.

Very easy and they itemize everything for you.

I also have two employees under my account. It's seamless and straightforward.

Never had an issue.
Old 09-09-2015, 06:24 PM
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Originally Posted by schoolsout1 View Post
I asked this question before and think I understand that if we only do over the phone (via internet) cc transactions, we do not need the EMV reader. We never swipe a card. The info is given to us over the phone or email.

Is this the case?
EMV is for face to face swiped transactions only. Mail Order/ Telephone Order merchants do not need the EMV reader.

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