Posts Tagged: mobile payment

got craft? :: swag bag giveaway

GotCraft_Swag_Apr_3GotCraft_Swag_Apr_2GotCraft_Swag_April_6GotCraft_Swag_April_5The first 50 people (paid attendees) through the doors at Got Craft? on both Saturday, April 27th and Sunday, April 28th, 2013 in the gym at Templeton Secondary School – 727 Templeton Drive, Vancouver (corner of Turner and Templeton) – will receive a FREE swag bag! Each bag includes a selection of goodies from our vendors and our sponsors including SUPER CUTE washi tape from MailChimp. We’re also changing up the swag bags this year. Gone are the “regular” totes with the Got Craft? bubble and here are the limited edition totes designed by The Beautiful Project and hand printed by Locomotive Clothing. Each year will feature a new design, so once these are gone, they will be reprinted!

Got Craft - SquareIf that wasn’t special enough, we are pleased to welcome Square back to the spring show! Three lucky winners each day will also win 3 gift certificates with a combined value of up to $300.00* in their swag bags courtesy of Square! Interested in signing up for an account? Meet the Square team and pick up your free reader at the event!

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3 ways to enter:

Visit the Got Craft? vendor page here and leave a comment below with the name of the vendor you are most excited to see! = 1 entry

Retweet “Retweet to enter to win a #GotCraft swag bag filled with handmade goodness courtesy of @lotusevents – http://bit.ly/YxPf4V = 1 entry

Like the Locomotive Clothing facebook page here. Like the Got Craft? facebook page here and share this post on your news feed = 1 entry

Prize will be available for pick up at Got Craft? (front desk). Winner will be notified by email. Contest closes Friday, April 26th, 2013 at noon(PST)

square image by [stu-di-o] by jeanie | * one $75, one $50, and one $25 gift certificate to be used at the Got Craft? event on April 27 + April 28, 2013.

square

For those in the craft fair circuit, we are super excited to announce that Square, a mobile payment system for small businesses, has officially launched in Canada! The small square shaped device attaches to the top of your smart phone / iPad (iOS + Android) transforming it into a POS (point of sale) system.

  1. no application fees
  2. no monthly minimums
  3. no set contract

If you haven’t already signed up, check out their website here for more details including information on how to get a free card reader shipped to you!

Come meet the folks from Square at Got Craft? on Saturday, December 8th and Sunday, December 9th, 2012 at the Croatian Cultural Centre from 10-5pm. Three lucky winners each day will also win 3 gift certificates with a combined valued up to $300.00* in their swag bags courtesy of Square!

* one $75, one $50, and one $25 gift certificate to be used at Got Craft? will be randomly placed in three swag bags each day. first 50 people through the doors each day will receive a swag bag filled with goodies from our vendors and sponsors.

biz notes :: mobile payments part two

photo credit: hellojenuine.

Thank you for everybody’s fantastic comments from my mobile payments part one blog post! As promised, here’s the second part where we talk briefly about credit card processing systems: Beanstream and PayPal Virtual Terminal. As always, this is an open discussion and I don’t have personal experience with all of these systems. If you wish to share your own experiences or have any questions, please leave a comment!

Beanstream: Innerfence has partnered up with Victoria, BC based Beanstream to provide a mobile payment option. Providing clients with a free credit card reader, costs include $0.99 for the app (compatible with iPhone, iPad, Mac, Android, etc.), $35.00 monthly fee, and $0.25 + 2.95% per swipe.

Based on their website they promise no contract term, no hidden one-time fees, no hidden recurring fees and no hidden transaction fees. While the service is more expensive than other options, I have heard many positive things about this company, so it may be worth looking into if you need a stable system with customer service support.

PayPal Virtual Terminal: If you already use a PayPal account for your online shop, then you should already be familiar with this system. As the name suggests, this is a virtual terminal and does not include a credit card reader. Using your computer or mobile device to enter the credit card information, there is no setup fees, minimum transaction volumn fees, or cancellation charges.

Charges for the virtual terminal include a $35.00 per month fee and transaction fees ranging from 2.4% to 3.1% plus a $0.30 charge per transaction. No setup fee and no early termination fee means that you can add it to your account during the times that benefit you, plus many people are already familiar with using PayPal. However, one drawback (in addition to the fact that the percentages charged are higher than other companies) is the lack of proof that you handled the credit card and in the worst case scenario, a customer could contact their credit card company and dispute a charge. If you decide to use this sytem, avoid this issue by purchasing credit card slips and take the extra time to make a card imprint.

I also know that some of you out there use IPOS Pay, but I couldn’t find any information about this system. If anybody is a client or have any details they wish to share, please leave a comment or send us an email, and I will update this post!

{ this is not a sponsored post + is geared towards Canadian users :: also keep in mind that all mobile payment options are not 100% PCI compliant, so you may run the risk of accepting cards which may be fraudulent + you are not able to take full advantage of the pin & chip technology }

biz notes :: mobile payments part one

photo credit: oh, hello friend: you are loved.

As makers, and essentially retailers, most of us started selling our handmade products on websites such as Etsy, Cargoh, Big Cartel, Folksy, and Dawanda to name a few. With the help of PayPal, we were in a position to connect with buyers from all over the world and process credit card payments at anytime of the day. From online sales, we naturally move to selling at local craft fairs where we only accepted cash of course! I mean, we are just “small” businesses and surely couldn’t afford one of those fancy machines!

Well, times are a changing and I’m here to talk about mobile payment processing options. In 2009, I started increasing the number of markets I participated in and wanted to provide my customers with a credit card option. I signed up for a system with Moneris which worked well, but they had a high initial set up costs, regular monthly fees, strict cancellation fees, and contracts (fee heavy!). That being said, they provided great customer service, their mobile credit card machines always worked and provided me with a professional appearance. In the end, the overall cost was just too high and did make it feasible as I moved to only participating in fairs during the holiday season. (see other traditional providers: Chase)

Over the past few years, the field of credit card processing has seen a huge growth with the use of smartphones and tablet computers. Five systems that we are going to talk briefly about include Square, Kudos, ProPay (part one), Beanstream and Virtual PayPal Terminal (part two).

Square: Developed by the team at Twitter, it is currently only available in the US, but there are rumours that they are preparing to launch in Canada. Fingers crossed!

Kudos: This is the system i am currently using. Using Pivotal Payments to process the transactions, they are an US company with offices in Canada. The reader ($100 -> there is a 50% off sale now) attaches to your smartphone and fees are 2.7% + $0.20 per swipe with no monthly fees. You will need to complete a form for a merchant account with Pivotal Payments and provide a void cheque to show your banking details. Once you are approved, download the smartphone app and upload your details!

I used this for OOAK Vancouver and some issues that I run into included:

  • Kudos released a new version of the app which did not operate properly, so I was struggling to use this during one of my busiest times.
  • Customers that do not have smartphones struggled to sign their names on the screen and enter their information (can be avoided by purchasing a tablet stylus and will be moving to an iPad).
  • Fear of people dropping the device, damage or worst case scenario, running off with it.

ProPay: With this system, you can process credit cards by using your mobile phone or computer. Funds are deposited into your ProPay account which can then be transferred to a chequing account. Two plans are available: premium plus ($59.95) + platinum ($79.95 annual fee) – no monthly fees + no contract. There is a reactivation fee of $50 though and you can view their transaction fees here depending on which credit cards you accept.

{ this is not a sponsored post + is geared towards Canadian users :: also keep in mind that all mobile payment options are not 100% PCI compliant, so you may run the risk of accepting cards which may be fraudulent + you are not able to take full advantage of the pin & chip technology }

As always, this is an open discussion and I don’t have personal experience with all of these systems. If you wish to share your own experiences or have any questions, please leave a comment! Stay tuned for part two where we coverBeanstream and Virtual PayPal Terminal!