Now everyone can accept credit cards

MrMatisse · 19-10-2012 8:48pm #1

Hey All,

Saw this at the web summit:

https://sumup.com/

No connection to the company, just thought it was really cool and a big help to sole traders and small shops.

Big in Berlin apparently.....

highlandseoghan · 19-10-2012 10:35pm

I have been looking into these recently. They seem to be getting very big in the states. I love the idea and the concept the only thing that keeps putting me off is I have a lot of older customers in my business and I have this worry that the older generation might think there card is being skimed or its a scam.

I think it will be a big thing in ireland i just think its going to take a while for trust between the customers and companies kicks in to get used to this.

MrMatisse · 19-10-2012 11:28pm

Cool thing is you can download it onto to an iPad and get much better performance and a nice big screen to see multiple purchases say from a grocery shop instead of lots of scrolling down a phone

The Apprentice · 19-10-2012 11:28pm

This was an actual idea i had maybe 3 years ago, i shared it with a few people and it was Ridiculed ..

sigh

MrMatisse · 19-10-2012 11:31pm

The Apprentice wrote: »

This was an actual idea i had maybe 3 years ago, i shared it with a few people and it was Ridiculed ..

sigh

Ohh what could have been......

Would love to hear how anyone gets on if they sign up for it

Theres also:

https://sumup.ie/

barneystinson · 19-10-2012 11:47pm

So who is the merchant acquirer, this Sumup crowd?

MrMatisse · 19-10-2012 11:51pm

Seems to be from the T&C's a private German bank called 1891 Bankverein Werther AG

http://www.privatbank1891.com/

Peterdalkey · 20-10-2012 4:43am

One nice bonus is that it acquires the customer's email address. That would be a real boon for many in building a CRM and marketing database.
A small point, older users will not be familiar with smartscreens and it might be an idea to have a pen sized stylus attached to the card reader for them to use.
The only other concern is what if the customer does not have an email address? Is there any wireless small printer on the market that could fit the bill, pun intended!

Cracking idea and product

MrMatisse · 20-10-2012 10:08am

use a non apple device with a USB port maybe and plug in one of those little printers taxi drivers have maybe

Ballyman · 20-10-2012 10:13am

I signed up for this a while back but it doesn't seem to work properly for me at the moment. I can accept credit cards alright but I have to manually enter customers details into my phone and it then sends them a text and they need to approve the transaction from their phone via a website they are sent to thru the text.

Three problems with this, one they need a smartphone, two they need an data connection and three it looks a little scammy to be honest.

For whatever reason I cant get the card scanner to work as it doesn't recognise any card that's swiped. Its not a big part of my business so I haven't' gotten onto them yet about it but it's pretty unusable for me at the moment.

PayPal also have a similar product but it's not available in Ireland at the moment but I have spoken to them and it will be launched here also next year sometime they hope.

OU812 · 20-10-2012 12:12pm

I was just about to post that I was surprised paypal hadn't entered this market yet

DubTony · 20-10-2012 2:22pm

The guy that started Twitter owns a chunk of Square. They're doing the same thing in the States.

www.squareup.com

I dont see anything on either of these sites about chip and pin technology though.

ir555 · 22-10-2012 11:14am

received mine a few weeks backs...

great idea but it will not work with VISA. here is the reply from SUMUP below. a little bit of a mis sell in my opinion but hoping they will sort it and it would be very useful for our business...

As for the VISa process, different card associations (such as Visa and MasterCard) have different rules regarding how transactions can be accepted through mobile devices. Because of Visa Europe’s rules, Visa card acceptance is currently not possible via the SumUp card reader, but can be completed by manually entering the Visa card’s details on your customer’s phone. Paying via a Visa card works as follows:

· When you want to accept a Visa card, simply select “Visa” from the choice of payment
methods and enter your customer’s mobile phone number.

· Your customer immediately receives a text message with a unique link to a secure
website that opens on the customer's mobile phone browser.

· On this website, your customer enters the Visa card’s details and completes the
transaction.

We are working together with Visa Europe to allow acceptance of Visa cards also through a card reader in the future.

Not really a solution for now.

Paypal Pro seems to tick all the boxes for this type of solution but unfortunately it is not available in Ireland (yet!)...

DM

macbookair · 22-10-2012 11:43pm

What percentage do these companies take of the transaction amount?

cgarrad · 22-10-2012 11:49pm

macbookair wrote: »

What percentage do these companies take of the transaction amount?

Its on the homepage.....

Axwell · 23-10-2012 9:39am

macbookair wrote: »

What percentage do these companies take of the transaction amount?

"Just 2.75 % per transaction. No further costs. "

Nuttzz · 23-10-2012 10:46am

ir555 wrote: »

received mine a few weeks backs...

great idea but it will not work with VISA. here is the reply from SUMUP below. a little bit of a mis sell in my opinion but hoping they will sort it and it would be very useful for our business...

As for the VISa process, different card associations (such as Visa and MasterCard) have different rules regarding how transactions can be accepted through mobile devices. Because of Visa Europe’s rules, Visa card acceptance is currently not possible via the SumUp card reader, but can be completed by manually entering the Visa card’s details on your customer’s phone. Paying via a Visa card works as follows:

· When you want to accept a Visa card, simply select “Visa” from the choice of payment
methods and enter your customer’s mobile phone number.

· Your customer immediately receives a text message with a unique link to a secure
website that opens on the customer's mobile phone browser.

· On this website, your customer enters the Visa card’s details and completes the
transaction.

We are working together with Visa Europe to allow acceptance of Visa cards also through a card reader in the future.

Not really a solution for now.

Paypal Pro seems to tick all the boxes for this type of solution but unfortunately it is not available in Ireland (yet!)...

DM

No visa is a big issue as it see it with the amount of visa debit cards now out there

OU812 · 23-10-2012 11:11am

Gonna register because its transaction fee based, but won't be using it until they get the visa issue sorted out

Seamus1964 · 25-12-2012 9:14pm

Hi

Is VISA issue sorted out yet?

Photoshop · 25-12-2012 9:19pm

Is it just iphone as well?

Never liked those over priced things.

Have an android 4.0 Huawei G300, will it work?

Or is it just ios?

Photoshop · 25-12-2012 9:23pm

Axwell wrote: »

"Just 2.75 % per transaction. No further costs. "

That's alot?

Seems like alot to me.

27.50 for every 1000 euro.

Ouch.

thecommander · 26-12-2012 1:31pm

Photoshop wrote: »

That's alot?

Seems like alot to me.

27.50 for every 1000 euro.

Ouch.

How does it compare to the other merchants you've researched?

sandin · 27-12-2012 12:07am

Photoshop wrote: »

That's alot?

Seems like alot to me.

27.50 for every 1000 euro.

Ouch.

a bank will chage you .45% for lodging cash

a credit card processor will charge you 1.5% - 2% + monthly fee + long term contract for credit cards + you have to be vetted.

Paypal will charge you 35c + up to 3.4%

so 2.75% is not bad.

ted1 · 27-12-2012 12:11am

PayPal have a version of this in a few countries

galwayjohn89 · 27-12-2012 9:43pm

Has anyone actually received their device? I have signed up a few months back but received nothing.

EIREHotspur · 28-12-2012 12:13am

Well it would be a great solution if they get the Visa part working.

Interesting to see when you get your device.....two months and no word sounds like huge startup backlog problems.

We shall see.

OU812 · 28-12-2012 12:17am

Vuzuggu wrote: »

Has anyone actually received their device? I have signed up a few months back but received nothing.

Got mine about a week after signing up. Haven't used it, because of the visa thing. Was hoping to use it for car boot sales etc.

MidlandsM · 03-01-2013 12:41am

I see they have the visa logo at the bottom of their .ie site, and they say they are accecpting visa in some of their blurb......I'm going to drop them an email to confirm.

MidlandsM · 03-01-2013 1:32pm

I emailed them, got this reply....

Thank you for contacting SumUp support.

Different card associations (such as Visa and MasterCard) have different rules regarding how transactions can be accepted through mobile devices. Because of Visa Europe’s rules, Visa card acceptance is currently not possible via the SumUp card reader, but can be completed by manually entering the Visa card’s details on your customer’s phone. Paying via a Visa card works as follows:

· When you want to accept a Visa card, simply select “Visa” from the choice of payment methods and enter your customer’s mobile phone number.

· Your customer immediately receives a text message with a unique link to a secure website that opens on the customer's mobile phone browser.

· On this website, your customer enters the Visa card’s details and completes the transaction.

We are working together with Visa Europe to allow acceptance of Visa cards also through a card reader in the future.

If you have any further questions please reply to this email.

Kind Regards,

Anita
SumUp Support
–––––––––––––––––––––––––––––––––––
SumUp - Card payments for everyone

support@sumup.ie
www.sumup.ie

Follow us on Facebook: facebook.com/sumup.ireland
Follow us on Twitter: twitter.com/SumUp_IE
–––––––––––––––––––––––––––––––––––
SumUp Ltd. Hospitality House,16/20 South Cumberland Street, Dublin 2, Ireland
Company ID 505893

LeinsterDub · 03-01-2013 2:39pm

Wouldn't trust this if I see this coming out . No chip and pin that I can see. Does it use SSL or other secure communications. Merchant hands the read to a scammer who does a quick switch and is now recording my details

galwayjohn89 · 03-01-2013 2:43pm

LeinsterDub wrote: »

Wouldn't trust this if I see this coming out . No chip and pin that I can see. Does it use SSL or other secure communications. Merchant hands the read to a scammer who does a quick switch and is now recording my details

They are very common over in America and Canada. When I was working over there I had an iPhone with a case and a swipe on the back of a case. Very neat unit and noone has any issues with it. I'd have no issues with using one

Now everyone can accept credit cards

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