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#1 Tuesday 30th January 2018 18:29:15

VandADI
Administrator
From: Coulsdon, Surrey
Registered: Sunday 29th February 2004
Posts: 7,622

In Car Card Payment system

Can anyone recommend a reasonable rate card payment system to take payments for lessons?

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Tuesday 30th January 2018 18:29:15

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Re: In Car Card Payment system



#2 Tuesday 30th January 2018 19:11:35

pegasus
Verified Member
From: north west
Registered: Friday 25th February 2005
Posts: 3,324

Re: In Car Card Payment system

Hi
On-line BACS is free.

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#3 Tuesday 30th January 2018 22:25:33

Pjc
Verified Member
Registered: Wednesday 19th July 2017
Posts: 20

Re: In Car Card Payment system

I use Paypal with a card reader that connects to my smart phone. The commission charge is 2.75% which I believe is reasonable for the volume of card transactions I have and there is no difference in the commission depending on the type of card used. Most banks charge more for credit cards than for the debit variety.

I find that customers like having the facility and whilst it is a cost I would prefer not to pay I am forced to recognise that in my area there are no banks in my immediate area and I have to travel to reach a bank and as banking hours coincide with my working hours there is a cost incurred in taking cash to the bank.

I used to allow some clients to pay by internet transfer but even the most reliable sometimes forget to make payment. I found that most weeks I had to spend some of the little free time I had chasing clients who had forgotten to pay.

I have been using 'Paypal Here' for about 2 years and I have no regrets. Before that I used a similar system provided by a company called 'Intuit'. For my purposes they were hopeless, payments would not reach my account until a few days after the lesson and their records didn't tell me who had made the payment. It was a bookkeeping nightmare.

It should be mentioned that you have access to the money immediately after the payment is made. If you rely on cash flow that is a real bonus.

We are increasingly moving into an era where cash is being used less often and people want to pay by card. I tend to charge a little more than most other instructors in my area but I like to think the service I provide is worth the extra. All the same, there is also some anecdotal evidence to suggest that some people are willing to pay higher prices for the convenience of card payments.

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#4 Thursday 1st February 2018 21:55:45

pegasus
Verified Member
From: north west
Registered: Friday 25th February 2005
Posts: 3,324

Re: In Car Card Payment system

Hi

Pjc wrote:

I used to allow some clients to pay by internet transfer but even the most reliable sometimes forget to make payment. I found that most weeks I had to spend some of the little free time I had chasing clients who had forgotten to pay.

Mine used to do it on their mobile while in the car.

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#5 Friday 2nd February 2018 23:07:00

Mentor
Verified Member
Registered: Saturday 22nd October 2005
Posts: 394

Re: In Car Card Payment system

I don't seem to have any problem getting cash from my pupils at the start of the lesson. Occasionally, I will have to stop at a cash machine and about 5% of clients pay by bank transfer. I am amazed that pay by mobile phone has never taken off and I have only had one payment by that method in two years. I am too tight to pay a credit card company a commission but I do believe as has been said above that paypal is one of the best available.

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#6 Sunday 1st July 2018 11:28:59

PaulLoaderADI
Verified Member
From: Basingstoke
Registered: Sunday 1st July 2018
Posts: 17
Website

Re: In Car Card Payment system

I have a proper cellular card terminal in my car.  It costs me £12 a month to lease from Merchant Rentals.  I then pay World Pay a small fee each month.  I love it, best thing I ever did.


Paul Loader ADI
Automatic Driving Lessons Basingstoke
Driving School Website

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#7 Monday 5th November 2018 19:57:34

Jakey
Verified Member
From: Penarth
Registered: Thursday 16th June 2005
Posts: 97

Re: In Car Card Payment system

Hi

I Use the Paypal card reader.

As above, it's great. it sits, always on in the car and the pupil just taps their card or phone and its in my paypal account instantly.


The Paypal Here app is great as you can create lesson prices/types so only have to tap the item and it's ready for the card.


Part 1 98%
Part 2 Clean sheet
Part 3 2nd attempt
First check test grade 4
Second check test grade 5

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