I have been testing a new card reader this month, the iZettle System.
I'm a little bit oldchool really, payments by cash, invoice or cheque but having the card reader as another option helps out in certain scenarios.
For example I recently had to let a group of drunk guys back into their apartment. Nice easy locksmith job but then came the confusion about paying, didn't have enough cash between them, couldn't find the chequebook, etc. I really didn't want to drive one of them to the cashpoint for fear of being vommited on so I opted to test run the card reader.
I opted for the iZettle card reader as it is free to order, you just pay a percentage of the charge per transaction, effectively a pay as you go system which is exactly what I wanted. Most systems require a subscription or upfront purchase fee for their readers.
The iZettle card is easy to set up; create an online account, register and verify your bank details, download the free app for your iphone and you are ready to go. The app allows you to pre create items in a basket if you offer a range of services at different prices, however I use a simple template and just input my own price depending on the job.
It is as simple as following the on screen instructions, inserting the card, inputting a pin number and then email or text the receipt to the card holder.
Monies are held in your account 'processing' for approx three working days before they are released into your nominated bank account, less their transaction fee. I actually add this percentage to my final bill so that the customer is paying for the card usage anyay. The iZettle app has features to check your existing transactions, money credited and a refund option should you require it.
It's been handy to have on a few of my locksmith jobs now and I am warming to the idea now that I fully trust the technology. The only downside to the free iZettle system is that you cannot take phone payments in advance of work. The card must be present to complete a transaction.