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Thread: How do you accept credit card payments over the phone?

  1. #1

    Default How do you accept credit card payments over the phone?

    I have tried to avoid accepting credit cards in the past because of the incurred cost. It looks like that I need to change this because more and more brides and grooms want to pay via credit card.

    My question: Do you accept credit cards? If yes, which company do you use? Which type of service/provider should I avoid? Which is the most cost effective provider? What is the easiest way to start this?

    Thanks for all you help!

  2. #2
    Senior Member sinned79's Avatar
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    Default Re: How do you accept credit card payments over the phone?

    disclaimer: ok i am not selling my company (that i am working for) service here. but u can consider WorldPay (u can google).

    Basically u must have a website that already accept payments from your clients, WorldPay will then give u an interface to login to process payments after taking down the card information. Such service is known as mail order telephone order (moto for short).

    that's all i can say.

  3. #3
    Member kiama's Avatar
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    Default Re: How do you accept credit card payments over the phone?


  4. #4

    Default Re: How do you accept credit card payments over the phone?

    Depends on your volume really... Bank charge less percentage but have annual fee. So if your volume is high, this is the way to go.

    Paypal is great but higher fees and great if you use it less frequently.

    None of these allow you to take credit card over the phone really... Can do with first method but not really the right thing as clients need to sign for your security.

    I find world pay is expensive... I used all 3 before, but paypal is for me as I only need to take credit card every now and then.

    Hope it helps.

    Hart

  5. #5

    Default Re: How do you accept credit card payments over the phone?

    but the problem here is that customers must have a paypal account. What happens if they just want to pay me over the phone...

  6. #6

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by haring View Post
    but the problem here is that customers must have a paypal account. What happens if they just want to pay me over the phone...
    Uhm. Honestly? Clients would need to be damn stupid to pass all their credit card details over the phone.

    I suggest setting up the payment option on your web portal, then tell them that they need to go through there.
    Alpha

  7. #7

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by haring View Post
    but the problem here is that customers must have a paypal account. What happens if they just want to pay me over the phone...
    customer need not exactly need to have a paypal account, they are able to pay to you as long as you are registered with paypal...

  8. #8

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by evilorgi View Post
    customer need not exactly need to have a paypal account, they are able to pay to you as long as you are registered with paypal...
    That's what he means. When you are registered with Paypal you have a paypal account.

    And in order to send larger amounts you also need to go through the whole paypal account verification process. Then there's the paypal fees.
    Alpha

  9. #9

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by haring View Post
    but the problem here is that customers must have a paypal account. What happens if they just want to pay me over the phone...
    If u have a merchant account, they can make payment via their credit card without have to register with PayPal.

    Hope it helps.

    Hart

  10. #10

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by Rashkae View Post
    Uhm. Honestly? Clients would need to be damn stupid to pass all their credit card details over the phone.

    I suggest setting up the payment option on your web portal, then tell them that they need to go through there.
    I agree with you Rashkae ... if TS can generate that level of trust with his clients ... maybe he should start selling snake oil ... a super salesman we have here man !

  11. #11

    Default Re: How do you accept credit card payments over the phone?

    I think TS based in the US.

    Setting up such things is the same here too?
    WTB Manfrotto RC4 L Bracket

  12. #12
    Senior Member sinned79's Avatar
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    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by sjackal View Post
    I think TS based in the US.

    Setting up such things is the same here too?
    not sure about Paypal setup in US. but WorldPay definitely accepts US merchants.

  13. #13

    Default Re: How do you accept credit card payments over the phone?

    I do. They pay me over the phone.

  14. #14

    Default Re: How do you accept credit card payments over the phone?

    Yes, I am a wedding photographer in Miami. They say I am a good one.. LOL!

  15. #15

    Default Re: How do you accept credit card payments over the phone?

    If you're based in the US, Square looks like a suitable solution.

    https://squareup.com/

    Phone, mail and online orders
    https://help.squareup.com/customer/p...articles/11857


  16. #16
    Senior Member sinned79's Avatar
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    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by kandinsky View Post
    If you're based in the US, Square looks like a suitable solution.

    https://squareup.com/

    Phone, mail and online orders
    https://help.squareup.com/customer/p...articles/11857

    looks cool! signup looks simple and quick too. hopefully someone can implement this in sg in future.

  17. #17

    Default Re: How do you accept credit card payments over the phone?

    There is something like that in Singapore. However, the annual fees are about 2k+ plus per usage charge and set up charge.

    So if you have enough clients that use it, it is worthwhile but may not be if you use less than a handful of time.

    Regards,

    Hart

  18. #18
    Senior Member sinned79's Avatar
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    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by Agetan View Post
    There is something like that in Singapore. However, the annual fees are about 2k+ plus per usage charge and set up charge.

    So if you have enough clients that use it, it is worthwhile but may not be if you use less than a handful of time.

    Regards,

    Hart
    that's very expensive as compared to WP (WorldPay).

  19. #19

    Default Re: How do you accept credit card payments over the phone?

    Quote Originally Posted by sinned79 View Post
    that's very expensive as compared to WP (WorldPay).
    I know. but it has its selling point.

    Regards,

    Hart

  20. #20

    Default Re: How do you accept credit card payments over the phone?

    I got Square! It works so far. Paypal has something similar as well. I haven't looked into it yet.

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