How To Take Card Payments Over The Phone
Whether its requesting a deposit or chasing an invoice, taking payments over the phone can save you valuable time. People are busy, but that doesnt stop you needing things to move fast.
Although the process is decades old, theres some unease surrounding how to accept credit cards via phone. Still, over-the-phone payments hold incredible potential for all businesses, so lets clear up some of the biggest questions and worries that merchants have.
How To Accept Credit Card Payments On My Phone With Paysimple
At PaySimple, we understand how important it is to provide mobile payment processing options. Todays customers expect the ease and convenience of these options, but it also simply makes business easier on your end.
Our payment processing software can help. Our user-friendly mobile app makes every step intuitive. It pairs seamlessly with our online payment platform and also lets you review financial information to manage billing tasks anywhere, anytime.
- Log into the secure app using your smartphone or tablet and instantly access your PaySimple account
- Choose to enter a one-time payment or set up a recurring billing schedule
- Choose to accept one of the convenient forms of payment, including credit cards, debit cards, ACH, and eCheck
- Use our integrated mobile card swiper to easily charge your customer or access saved payment information
Mobile credit card processing gives your business the flexibility to compete in an increasingly online world. Whether youre searching for a credit card payment app for Android or the best credit card app for iPhone, weve got you covered. PaySimples mobile app goes beyond mobile payment processing, though. It also allows you to view and update customer information, book appointments and set up one-time or recurring billing. Plus, you can see all of your reports and dashboards in one place. Our mobile and web apps sync seamlessly and payments tie back to your customers profiles. No reconciliation needed. Pretty neat, huh?
Mobile Credit Card Payments
Mobile credit card apps and readers allow merchants and businesses to receive payment through an added device on their smartphone. Newer technology allows tiny card readers to automatically connect with your smartphone or tablet for sleek and useful in-house card reading. Youll need to research the various mobile apps available before opting to buy the smartphone add-on device and subscription service for processing payments.
The most used mobile app services for accepting and processing credit card payments include:
- Samsung Pay
Some of these apps are better suited for the customers paying in-store versus requesting payment by the merchant. Learn more about the top payment apps used in Canada today.How Long Does it Take for Credit Card Payments to Go Through?
From the time the merchant accepts payment, to the processing and allocation of funds into the merchants bank account, the typical waiting period is 1 to 3 business days. Depending on the processing service your business uses, most credit card payments will reach your business account after twenty-four hours.
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Beefing Up Your Security Practices
Be on alert if the billing address and the shipping address are different, especially if the two addresses are quite far apart geographically. Billing and shipping addresses that are far apart may be an indication of fraudulent activity, so be sure to collect as much data as possible.
For an added layer of security and deterrent against fraud, ask for the customers date of birth and drivers license number and state for your recordssimilarly to the information gathered when accepting payment by check. Keep this information stored in a secure location and discard after the customer receives the order and the transaction is complete .
Remember that youll always need to uphold PCI requirements if your business accepts credit card payments by any meansthis is particularly important when paper files and records contain cardholder information and/or personally-identifiable information. Work with your payments processor to implement the best processes for your specific business so you can continue to accept credit cards over the phone safely and securely while adhering to PCI established standards.
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How To Accept Credit Card Payments On Your Phone
The market is crowded with a dizzying array of options for merchants looking for an easier way to accept credit cards. Learning how to accept mobile credit card payments isn’t overly challenging, but it requires an understanding of the process and the major players in the market. It’s important to take the necessary steps when seeking the right mobile card reader for your business. The steps include:
Can I Use Square For Over
When using Square, you have the option to manually key in a customer’s credit card information over the phone. First, download the Square Point of Sale app on an Android or iOS mobile device. When signing up, you can also elect to have a free magstripe card reader mailed to you or purchase an EMV-compliant card reader.
Once your account is active, you can set up inventory and adjust pricing and tax settings accordingly, or you can manually enter the price of an item when a customer is ready to make a purchase. You can accept credit cards over the phone by simply keying in the customer’s card number, expiration date and CSV code. Manually keying in customers’ credit cards is significantly more expensive with Square, however. Swiped cards start at a flat rate of 2.6% plus 10 cents, while keyed-in cards cost 3.5% plus 15 cents per transaction.
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How To Accept Payments On Smartphones Or Tablets
Never miss a sales opportunity even when youre on the go. With the right Android or iPhone/iPad credit card processing solution, youll be able to process and pre-authorize transactions instantly, as well as allow customers to sign and receive emailed receipts right from your mobile device.
To enable credit card processing for Android or iOS devices:
- Open a merchant account with a payment processing provider
- Pair a certified Android or iPhone credit card reader
- Swipe, dip, or tap customers credit card to complete sale
How To Take Credit Card Payments Over The Phone
If offering credit card payments online is not an option, you can also take payments over the phone. Suppose your customers are interested in purchasing something from your store but cannot access it through the internet. In that case, you can manually enter in their credit card information in your payment system over the phone from your business location.
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How Do I Take A Card Payment Over The Phone
It’s easy to take phone payments.
You can either do it online, where we’ll email you the login details for your virtual terminal and you can enter your customer’s card details on the payment screen. Or, if you’ve got a Clover card machine, you can use the Phone Sale app to take card payments over the phone.
You could also take an order over the phone and then email your customer the link to a secure payment page where they can fill in their payment details. Pay by link is great because it gives you the option to use MasterCard Secure Code and Verified by Visa, which help protect you against fraud.
Follow Employee Procedures And Conduct Refresher Courses
Refresher courses can aid in the retention of rules that apply to people who work on phones. Its also important to double-check that procedures are being followed regularly. They are less prone to lapse into poor yet suitable habits when routinely reminded.
You should have a procedure for dealing with employees who engage in risky behavior. The combination of retraining and disciplinary action should be written into employee handbooks and implemented as needed to keep all data safe.
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Opayo Telephone Card Transactions
Opayos virtual terminal service allows you to take credit and debit card payments over the phone with real-time report, fraud screening tools, transaction reporting, integration of payments received into SagePays software, and real-time CV2/AVS checks to prevent fraud. Opayo is the new name for SagePay following its purchase by payment processor Elavon which now powers the platform.
Their Small Business Solution package costs £15 a month and includes the first 100 transactions. They offer a Corporate package with bespoke pricing for companies taking more than 1,500 telephone transactions a month.
Since being taken over by Opayo, there are now three extra service tiers in addition to the Phone Payments option invoice payments , face to face , and online you can pick and choose which you need but, if you need all four, your standing charges will likely be a lot higher than their competitors.
We currently have no information on the size of the transaction fees taken by SagePay on successful sales the company appears to do separate deals with each client.
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Quick Financial Insights For Tracking On The Go
Secure mobile credit card processing tools allow you to quickly view your financial progress.
It will only take a minute to find out how much revenue youve generated in a given day, week, or month. Plus, this information is readily available wherever you are, as long as you have access to your mobile device or tablet. Youll never have to wonder about the status of your revenue or payments again.
What Are The Benefits Of Taking Payments Over The Phone
Taking payments over the phone gives you a whole new avenue for processing transactions and offers many benefits:
- Simple setup: you can process payments on a computer, laptop, tablet, or mobile, allowing you to choose the best option based on the way you like to run things.
- Efficient customer service: its quick and easy to process transactions, so you can provide a straightforward service that will keep customers happy.
- Email receipts: satisfy your customers with email receipts that are sent out as soon as the transaction is approved.
- Suit your business needs: phone payments can be processed from anywhere you can access your virtual terminal, so you can do business in a way that works best for both you and your customers.
- Multi-user access: more than one employee can use the phone payment system, allowing you to expand your services.
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Why Should I Take Credit/debit Card Payments
Allowing your customers to pay by card is an easy way to improve customer experience and increase your sales.Now might be the right time to start taking card payments if any of these apply to you:
- Your customers frequently ask: Can I pay by card/contactless? and you have to answer: No, sorry. Did you know that cashless payments overtook the use of notes and coins in 2015? Taking card payments improves customer experience and makes your business seem more professional
- Youre dependant on an overdraft or loan, because cash flow is tight. Taking card payments lets you accept payment straight away, meaning you could be less dependent on credit until the customer pays their invoice
- Youre spending too long chasing payments. No more nagging for payment. No more customers insisting the cheque is in the post. With card payments, the money is usually in your account within 3-5 working days
- Youre losing out on sales when people dont carry enough cash. Cash limits the amount your customers can spend. Card payments allow customers to make spontaneous purchases that they might not have been able to if they just carried cash. Who hasnt nipped to the shops for a pint of milk and ended up buying much more?
- Youre spending time and money by holding physical cash. Save on the security costs around looking after cash deposits. And forget about trips to the bank to deposit cash
More Convenient For Your Customers
People are more likely to carry a few debit and credit cards than cash, but that shouldnt stop you from making a sale.
If youre collecting donation money or even working a concession stand, dont let a cash-only policy stand in your way. Mobile credit card processing is becoming standard even for businesses that operate outside of a brick-and-mortar environment.
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Never Overwrite Card Information On Paper Receipts
It can be easier and more tempting for your reps to jot down a number on a post-it while on the phone and then process the order. On the other hand, notes like this are not secure and may expose you to data loss.
To deal with incidents where it may be necessary to write down credit card information, you may want to consider giving each agent an erasable whiteboard. These boards should be fixed to your agents desks and cleaned regularly.
Instead, its always best to enter credit card information directly into your payment processing system. This allows you to adequately protect customer orders and use a method not subject to accidental errors.
If payment card details are written on order forms as part of the workaround process, ensure that the forms are rearranged or shredded appropriately after order entry.
How Is This Different From Mpos
Many providers will tell you that you can accept payments through your mobile phone by downloading their app, such as iZettle, SumUp, Square and PayPal Here. However, this is not entirely true, because if you want to take a face to face payment, youll also need to purchase their card reader.
If you can take mobile payments, but I make you buy hardware first, is it truly mobile? No, its not.. Its mobile in the sense of you can move it around, but if you forget your card reader in the office or it breaks, then you wont be able to take payments. aPOS is the only way of staying truly mobile. With SimplyPayMe App all you have to do is download our application and youll be able to take payments. You will never forget your phone, and if you buy a new one, simply download the app and log in on the new device. You can log in to your account from any smartphone, tablet or browser.
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Make Sure You Are Pci Dss
When youve chosen a virtual terminal, its time to put measures in place to ensure your payments are secure. That is: we highly encourage you to comply with the Payment Card Industry Data Security Standard when handling confidential data.
Why? Because phone payments are often the most vulnerable to fraud compared to card machine payments where the customer is present.
It is really useful to choose a provider that is able to support you in meeting the strict PCI compliance rules protecting your business and customers.
Each virtual terminal provider has their own recommendations and systems in place. In some cases, you pay extra for it, but other providers dont charge for it and instead carry that burden for you. Others leave the risk and compliance totally in your hands, as seen in the overview below.
|Paperwork required.Compulsory monthly fee + optional annual fee for assistance.|
If in doubt, your chosen virtual terminal provider can guide you in what to do.
Need to accept payments between mobile phones?Compare pay-by-link solutions for phones
How To Accept Credit Card Payments Over The Phone
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While there are more ways than ever for your business to accept credit cards, you may find in some cases that you need to take orders and accept payments in a more traditional way: over the phone.
In order to accept credit card payments over the phone, youll need to work with either a merchant account provider or payment service provider. With your chosen provider, youll be able to take phone payments by inputting credit card information into a virtual terminal on your computer, smartphone or tablet, or if you have a POS system that allows you to do so, you can input phone-based payments this way.
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