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  1. #1
    Join Date
    Jul 2012
    Posts
    491

    Default Website Payments.

    Just wondering if anyone had any ideas about this.
    I have a purely online business & I ended up building the site myself (cause it was cheap that way!) I didn't add a "web shop" as I couldn't find a way to make it workable - I sell basic pendants or charms, but then people can add stones / engraving charged by the letter, etc.

    At the moment people pay me by Paypal, but a lot of people are put off because this is the only payment method I can accept

    Barclays said that I could install a payment system on my site via them that would allow me to take other card payments. I was really pleased until they announced that they would hold my customers money for 90 days!!!!
    I can't exactly pay my casters, etc if haven't got access to my money.

    Can anyone recommend another way of doing this? Thank you. x

  2. #2
    Join Date
    Feb 2013
    Location
    Finland
    Posts
    724

    Default

    I thought it was possible for people to pay via PayPal (with a card) without having an account

  3. #3
    Join Date
    Jul 2012
    Posts
    491

    Default

    Thanks for the quick response!

    As far as I know it is - it just seems to put a lot of people off not having any other options. Particularly older folk who would perhaps prefer to pay me over the phone.

    I think I might have to go back & try to put together some kind of official webshop, but I can see it being really confusing & causing more of a headache and still doesn't solve the problem of taking phone payments.

  4. #4
    Join Date
    Sep 2011
    Posts
    956

    Default

    My merchant account (the account you have which handles the credit and debit and american express payments) is with worldpay. They hand over the money much more quickly (within about 5-10 days once a week). Charges aren't too bad
    Having a merchant account will help your business. It makes a huge difference. People keep saying that you can pay through paypal without an account etc etc but they don't say that once they have a merchant account. You can also take orders over the phone with worldpay because some people don't trust the web with their info, or they've phoned with a query and now want to place an order.
    www.Pearlescence.co.uk
    @pearlescenceltd
    instagram: pearlescenceltd1

  5. #5
    Join Date
    Jul 2012
    Posts
    491

    Default

    Wow, thanks. That's much better.
    You've hit the nail on the head - these are the exact problems I've come up against. My own father-in-law won't touch paypal, as he seems to think it is powered by evil magics

    The Barclay's merchant account wanted to hold my money for 90 days, unless I have a "insurance account" set up with 5000 in it (pigs are more likely to fly).

    Is it quite straight forward to use?
    Thanks so much
    Last edited by Lucie; 19-08-2013 at 04:35 PM.

  6. #6
    Join Date
    Sep 2011
    Posts
    956

    Default

    Worldpay is pretty straightforward, you don't have much to do, it pretty much does itself. They do tend to speak bank or computer so you might need someone to set up your shop interface

    You need to be vigilant about fraud of course.I thought the EU had stopped banks holding money for 90 days - it's in case of fraud because some frauds/chargebacks don't show up for months. The bank takes the money back off you of couse and you are also out the goods. I've only been caught once and that was when I was naive and - to be honest - a bit greedy for the sale and that blinded me to the obvious incongruity of the sale pattern which was all wrong.
    www.Pearlescence.co.uk
    @pearlescenceltd
    instagram: pearlescenceltd1

  7. #7
    Join Date
    Feb 2013
    Location
    Finland
    Posts
    724

    Default

    If you have to pay a monthly fee, so be it..just split & bury the cost across your items..It's all tax deductable expense.
    Or as I used to do, had my account number onsite or given via email..all customers did was do a transfer to it.

  8. #8
    Join Date
    Jul 2010
    Location
    The Netherlands
    Posts
    405

    Default

    Quote Originally Posted by Gemsetterchris View Post
    If you have to pay a monthly fee, so be it..just split & bury the cost across your items..It's all tax deductable expense.
    Or as I used to do, had my account number onsite or given via email..all customers did was do a transfer to it.
    This is what I do Chris; I process the order and email out the invoice to be paid prior to postage, the invoice contains my bank details and they use the invoice number as reference for the bank payment. Even at an art fair, when a customer has insufficient cash, I take their details, provide them my bank details and when the transfer is complete, I post the item.
    Poor old Les

  9. #9
    Join Date
    Jul 2012
    Posts
    491

    Default

    It's a fair point - I think i'll wait to see how Lydia gets on with Worldpay Zinc (just the telephone payments) first. I already pay out 10 a month on hosting and 30 on my "address", so i'm trying to stop the monthly payments getting out of hand.

  10. #10
    Join Date
    Jun 2010
    Location
    Cardiff
    Posts
    988

    Default

    well new posh phone is here, and now chip and pin is here.
    All really stupidly easy to set up.
    Works great, even in my house which has the worst signal strength ever.
    The customer not present payment couldn't be simpler (you do it online, just enter their details and card number and amount - they can choose to have receipt by email or sms).
    Payment takes 4 working days to go into your account, billing takes place around the 18th of the month.
    I am really, really pleased. Looking forward to the end of the month when I've got an open studio to see if the chip and pin makes a difference to people purchasing!

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