SumUp Credit Card Processing

cormie · 22-10-2014 3:42pm

I text my brother and waiting for a reply with the €59 deal, still haven't heard back, if you have it handy, please post

cormie · 22-10-2014 3:51pm

I just rang their support number and it doesn't look like customer not present payments will be possible for phone/internet payments

I also asked is it possible to have the 1.95% fee charged to the customer instead of the retailer and they said this is against visa/mastercard policy, but I guess if the retailer had a clause where they charge an additional 1.95% for card payments this wouldn't be an issue?

jimmii · 28-10-2014 5:38pm

Just ordered mine the offer price is still available. Ironically I wasn't able to pay by card for some reason had to do it via bank transfer! At that price even if its just a back up machine its a great offer. We were thinking of having an extra cash only till for Christmas but with this its made it nice and each to have an additional terminal on that till.

cormie · 28-10-2014 5:42pm

Does anyone have a link to where I can buy at the offer price? I'm not even sure I'll ever need this now since you can't do remote payments, but at the offer price it might be hard not to just buy it "just in case".

elastico · 28-10-2014 6:16pm

I find stripe fine for phone payments, just click on create payment button on their website and enter the details. You can also do it with the customer present although I would be concerned about chargebacks as I don't get a signature or chance for them to enter their pin, so tend to avoid this.

Anybody think its a good idea to use stripe with customer present?

jimmii · 28-10-2014 6:23pm

cormie wrote: »

Does anyone have a link to where I can buy at the offer price? I'm not even sure I'll ever need this now since you can't do remote payments, but at the offer price it might be hard not to just buy it "just in case".

When you check out it asks if you have a voucher just enter PINPLUSIE and it discounts it.

jimmii · 28-10-2014 6:26pm

elastico wrote: »

I find stripe fine for phone payments, just click on create payment button on their website and enter the details. You can also do it with the customer present although I would be concerned about chargebacks as I don't get a signature or chance for them to enter their pin, so tend to avoid this.

Anybody think its a good idea to use stripe with customer present?

In the long term stripe works out more expensive especially if you do a lot of low value transactions. People also tend to feel safer having the payment processed via chip & pin. For customer present payments would definitely look at getting a device.

niallb · 28-10-2014 6:50pm

jimmii wrote: »

... Ironically I wasn't able to pay by card for some reason....

Me neither, and the same for a friend who tried earlier this afternoon.
I remember having difficulty when I originally subscribed to Sumup before getting the original non pin device too.
I'll give bank transfer a go!

jimmii · 28-10-2014 6:57pm

niallb wrote: »

Me neither, and the same for a friend who tried earlier this afternoon.
I remember having difficulty when I originally subscribed to Sumup before getting the original non pin device too.
I'll give bank transfer a go!

Was wondering what was going on! Have had problems with my card in the past but has been working on other sites today so didn't think much of it. The way they have the bank transfer option set up is pretty handy guessing its a problem they have seen before!

cormie · 28-10-2014 8:19pm

Thanks a lot for the code, just tried to order.. but.. transaction declined too

niallb · 28-10-2014 8:57pm

If you have online banking, just click "I don't have a credit card" and you'll get a BIC & IBAN with a customer code for the narrative.
I had to do that too, and it worked for €59.

I'd be interested in hearing from anyone who has actually managed to pay with an Irish credit card. I got transaction declined three times, with my existing sum up account and a new one.

cormie wrote: »

Thanks a lot for the code, just tried to order.. but.. transaction declined too

Cianos · 28-10-2014 9:04pm

niallb wrote: »

I'd be interested in hearing from anyone who has actually managed to pay with an Irish credit card. I got transaction declined three times, with my existing sum up account and a new one.

I paid for mine a few days back using card and it went through fine.

Got a mail today saying I should have it in 2-3 business days.

cormie · 28-10-2014 9:30pm

Let's hope the actual terminal itself doesn't suffer the same issues

Sent it through bank transfer anyway. Will probably hardly use it myself, but if a €59 once off fee will mean the difference in securing and getting paid for a few jobs, it's definitely worth it.

Would anyone else contemplate charging 1.95% extra on the sale if it was being paid for through CC?

jimmii · 28-10-2014 9:56pm

cormie wrote: »

Let's hope the actual terminal itself doesn't suffer the same issues Sent it through bank transfer anyway. Will probably hardly use it myself, but if a €59 once off fee will mean the difference in securing and getting paid for a few jobs, it's definitely worth it.

Would anyone else contemplate charging 1.95% extra on the sale if it was being paid for through CC?

Its definitely great value seems almost too good to have no monthly. Lots of places charge a card fee but I think a lot of the time people will grudgingly pay it. It would definitely be better to build it into your existing price structure instead of having it as an additional charge. Having said that there was a thread on boards not so long ago and the general consensus seemed to be people wouldn't mind the cost being passed on especially on small transactions were card charges have historically made up a large % of the overall transaction value.

cormie · 28-10-2014 10:42pm

You mean consumers were saying they wouldn't mind paying a bit extra to pay by card? That's good to know. I've had to do it myself before too and although I would have preferred not to, it's understandable why some businesses would request it. Personally, there's no real need to pay me by card so if anyone was to pay me by card, it would be out of urgency to book something, or if they had no alternative and in these cases I'd have no problem asking for the fee to be paid by them. I can wait for an alternative if there's enough time to wait and I don't give the option of card payment ever, but it's nice to know I'll have it now if I learn that I'm going to lose a job because of not being able to accept card payment.

Cianos · 30-10-2014 12:54pm

Got the card reader today and have tested it out - seems to work quite nicely. It's nice and neat, and with Bluetooth it's handy to not have wires going everywhere.

My only gripe would be that it's a bit of an odd shape - I'd like to be able to mount it so that it looks like it's supposed to be on the counter. Currently with its odd shape it would look like someone just left it there.

But overall it looks professional, the touch sensitivity is impressive and makes it feel quite sophisticated.

I've put a test charge through and it appears to have worked just fine.

cormie wrote: »

You mean consumers were saying they wouldn't mind paying a bit extra to pay by card? That's good to know. I've had to do it myself before too and although I would have preferred not to, it's understandable why some businesses would request it. Personally, there's no real need to pay me by card so if anyone was to pay me by card, it would be out of urgency to book something, or if they had no alternative and in these cases I'd have no problem asking for the fee to be paid by them. I can wait for an alternative if there's enough time to wait and I don't give the option of card payment ever, but it's nice to know I'll have it now if I learn that I'm going to lose a job because of not being able to accept card payment.

I think he was saying that customers aren't happy to pay - they grudgingly pay when they have to. I agree, I think it comes across badly to pass these charges on to the customer, where they could/should just be worked in to the overall price.

jimmii · 30-10-2014 1:41pm

cormie wrote: »

You mean consumers were saying they wouldn't mind paying a bit extra to pay by card? That's good to know. I've had to do it myself before too and although I would have preferred not to, it's understandable why some businesses would request it. Personally, there's no real need to pay me by card so if anyone was to pay me by card, it would be out of urgency to book something, or if they had no alternative and in these cases I'd have no problem asking for the fee to be paid by them. I can wait for an alternative if there's enough time to wait and I don't give the option of card payment ever, but it's nice to know I'll have it now if I learn that I'm going to lose a job because of not being able to accept card payment.

Yeh people seemed to not mind. I think its fair enough to charge on low value transactions I mean if its costing 40c-50c to take card and people are looking to pay for something that is €2-€3 etc then thats just a ridiculous cost to take the payment I think people would be a little less willing to pay the extra if they were buying something for €50 though. It would also depend on the industry I would imagine the shops that charge for phone top ups see a good bit less business done on those than the nearby shops that don't charge.

jimmii · 30-10-2014 1:44pm

Cianos wrote: »

Got the card reader today and have tested it out - seems to work quite nicely. It's nice and neat, and with Bluetooth it's handy to not have wires going everywhere.

My only gripe would be that it's a bit of an odd shape - I'd like to be able to mount it so that it looks like it's supposed to be on the counter. Currently with its odd shape it would look like someone just left it there.

But overall it looks professional, the touch sensitivity is impressive and makes it feel quite sophisticated.

I've put a test charge through and it appears to have worked just fine.

On Facebook a couple of people have said its actually too sensitive and that they are finding people are pressing buttons when they are being handed the device and therefor entering the pin wrong. Will hopefully be getting mine soon the device I have currently is already pretty small (about 4/5ths the dimensions of my phone just a good bit thicker!) and people already comment about how small and light it is it'll be interesting to see what people make of a device that is smaller than the card they are using!

Cianos · 30-10-2014 2:30pm

jimmii wrote: »

On Facebook a couple of people have said its actually too sensitive and that they are finding people are pressing buttons when they are being handed the device and therefor entering the pin wrong. Will hopefully be getting mine soon the device I have currently is already pretty small (about 4/5ths the dimensions of my phone just a good bit thicker!) and people already comment about how small and light it is it'll be interesting to see what people make of a device that is smaller than the card they are using!

Interesting. Another reason to get a mount for it so, so that they don't have to handle the device directly itself and accidentally touch buttons from wrapping their fingers around it, which they'd inevitably do because of its small size.

jimmii · 30-10-2014 4:00pm

Cianos wrote: »

Interesting. Another reason to get a mount for it so, so that they don't have to handle the device directly itself and accidentally touch buttons from wrapping their fingers around it, which they'd inevitably do because of its small size.

Definitely would be handy to have a mount the main person saying it was a taxi driver though so not really an option for them! The unit we currently have I was thinking about making a mount for it but never really got round to it! For the sum up device it seems it might be tricky to make a DIY mount as there looks to be very little space between the edge of the device and where the card slots in. I guess you could have an arm that just sticks to the back and holds it in place charging it might then prove a little difficult though.

cormie · 30-10-2014 4:44pm

Something like this could be good for anyone wanting a mount: http://www.amazon.co.uk/gp/product/B00I58VAZS?psc=1&redirect=true&ref_=oh_aui_detailpage_o02_s00

I got a few and they are pretty solid. They should be able to be secured well to any flat surface like a table top too.

Cianos · 01-11-2014 11:19am

cormie wrote: »

Something like this could be good for anyone wanting a mount: http://www.amazon.co.uk/gp/product/B00I58VAZS?psc=1&redirect=true&ref_=oh_aui_detailpage_o02_s00

I got a few and they are pretty solid. They should be able to be secured well to any flat surface like a table top too.

A bit ugly, grand for a car but wouldn't look very well in a shop.

This might do the job; http://designmi.co.uk/product/mistand-mini-space-grey/

jimmii · 01-11-2014 12:15pm

Cianos wrote: »

A bit ugly, grand for a car but wouldn't look very well in a shop.

This might do the job; http://designmi.co.uk/product/mistand-mini-space-grey/

Oooh that looks good!

cormie · 01-11-2014 12:47pm

https://www.youtube.com/watch?v=C6d462Ecsd4

Cianos · 05-11-2014 10:44pm

I've ordered one of those mounts so I'll report back on how it suits when it arrives.

Cianos · 07-11-2014 12:44pm

Got the mount today and really happy with it. It's surprisingly sturdy, that micro-suction stuff is amazing.

It looks great, would definitely recommend.

jimmii · 07-11-2014 12:55pm

That looks really good. Expecting my card unit to arrive soon so will definitely order one of those to go with it!

cormac1982 · 11-11-2014 11:18pm

Received mine today, had no problem buying it (used Visa card with the €59 promo code). Looks nice, works right out of the box. Would love to have keyed/customer not present ability, fingers crossed for the future. Comes with a cable too incase your device is older and doesn't support bluetooth 4.0/Smart Bluetooth. Handy if you wanted to pickup an old iPad to use with it as a permanent terminal.

cormie · 11-11-2014 11:32pm

I got mine today too. I see on the letter that came with the unit not to use it on metal as it may interfere with some magnets, maybe worth an email to sumup to check that aluminium stand won't mess it up after a while?

niallb · 11-11-2014 11:48pm

Aluminium is not magnetic.
Should be fine.

cormie · 11-11-2014 11:57pm

Yeah, cianos processed a payment fine today he said, but not sure he had it on the holder at the time?

It says don't use on metal OR magnetic surfaces.

I can't use mine, my device isn't compatible, damn. I bought a new phone about 2 weeks ago but haven't gotten around to setting it up, it was in the list of compatible devices but my current phone isn't.

jimmii · 13-11-2014 5:21pm

Anyone had a problem with a "Geo-location" error? It confirms a bluetooth connection between the phone and pin+ but when I click charge it comes up with the error GPS is on and other Apps are able to pick up a location fine. Have contacted them but thought someone here might have come across it!

cormac1982 · 13-11-2014 9:33pm

jimmii wrote: »

Anyone had a problem with a "Geo-location" error? It confirms a bluetooth connection between the phone and pin+ but when I click charge it comes up with the error GPS is on and other Apps are able to pick up a location fine. Have contacted them but thought someone here might have come across it!

Jimmi, only problem I had was when I tried it with my old iPad... Said server error, can't determine my location... Updated the App from app store and it worked fine then. GPS/location services must be active and the SumUp App needs to have access to same.

jimmii · 14-11-2014 12:12am

cormac1982 wrote: »

Jimmi, only problem I had was when I tried it with my old iPad... Said server error, can't determine my location... Updated the App from app store and it worked fine then. GPS/location services must be active and the SumUp App needs to have access to same.

Only just downloaded the app you would hope it would be the latest version!! Will check the permissions tomorrow cheers.

cormie · 21-11-2014 6:34am

Gah! My first real need for this and I was just about to send an email saying credit card payment was no problem, but then remembered I can't do customer not present sales with it

It would have been totally ok to ask for the 1.95% on top as most of the funds are for IKEA goods and if I was to take the hit, it would eat into a much higher % of my actual earnings.

Now, did somebody mention it's still possible to do the old "SMS" routine for customer not present sales as a workaround?

Dave! · 21-11-2014 11:07am

cormie wrote: »

Now, did somebody mention it's still possible to do the old "SMS" routine for customer not present sales as a workaround?

I've been told that they're getting rid of it, but yeah if you go to Settings>Payment Methods you can switch on the Mobile Payment option.

cormie · 21-11-2014 2:54pm

Cool thanks for that. Their website is currently down at the moment. Between that and the card payment problem when ordering the device, I hope we don't run into too many problem processing payments from customers when needed!

jimmii · 21-11-2014 2:57pm

Anyone ever had to contact them? Haven't had a response yet the pin+ is just sitting in a draw.

cormie · 21-11-2014 2:59pm

I rang them, got through to them without any problems.

cormie · 24-11-2014 2:47am

Damn, I was checking out that mobile payment option and it doesn't seem like I have it available on my app? Have they gotten rid of it now?

I see it in a screenshot on google play: https://lh4.ggpht.com/3ZK8UoS87i0s-1xVbo-8XR_Hu2fGqAH3D2fOiAs499URkgo0Ko1RIvbGxLRyaFK3cg=h900

niallb · 24-11-2014 3:39pm

There's a checkbox in settings to turn it back on, but it doesn't seem to have an immediate effect for me anyway.

cormie · 24-11-2014 4:26pm

I can't see it anywhere

What version of the app are you running do you know? iPhone or Android? All I see on the menu is:

Sales History
Card reader
Printer
Advanced Mode > on
Product management
taxes
support

Log out

niallb · 24-11-2014 4:43pm

Android, 1.50.3

The toggle is at the top of the page called Payment Methods which on my app is where you have Card Reader between Sales History and Printer.
I wonder is this because I also have the original card reader with SumUP from last year that didn't do VISA.

cormie · 24-11-2014 6:20pm

Ok, I don't know where I found the number last time, but I think maybe they have removed their contact number. I can't see the mobile payment option anywhere, I've tried all options and it doesn't look like it's there at all

thanks for your help!

cormie · 27-11-2014 7:13am

Still no reply to my mail to sumup support sent on Monday at 09:30, with that kind of response time and no contact number on site anymore and their site being down the other day and the error with taking card payment for the pin+ order, I hope I won't need to contact them again

jimmii · 27-11-2014 9:44am

cormie wrote: »

Still no reply to my mail to sumup support sent on Monday at 09:30, with that kind of response time and no contact number on site anymore and their site being down the other day and the error with taking card payment for the pin+ order, I hope I won't need to contact them again

I emailed on the 13th and got a reply yesterday don't hold your breath. The response was ridiculous too.

jimmii · 27-11-2014 12:04pm

Just used it for the first time there very quick processing I must say! How do you get the authorisation number nothing popped up when the payment went through?

cormie · 02-12-2014 5:11pm

Finally heard back, doesn't look like customer not present payment is on the cards at all, infact the complete opposite

I wonder what the reasoning behind it is?

jimmii · 02-12-2014 5:17pm

cormie wrote: »

Finally heard back, doesn't look like customer not present payment is on the cards at all, infact the complete opposite I wonder what the reasoning behind it is?

I guess its the increased risk involved. A lot easier to commit fraud if you don't need the card or the pin number! When I run the app it still has the mobile payment option is that not going to be there soon?

cormie · 02-12-2014 6:45pm

I guess not according to their reply. Pity about that, would have been a great system!

SumUp Credit Card Processing

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