POS System

[jrockfl]

Does anyone have a POS system in addition to an online store?
One of these days we may consider opening "brick and mortar" retail store.

Currently, we use Authorize.net with card not present. We have to pass the billing address, ccv code, etc.

How does it work with card present?

[Marshall]

Any bank should be able to provide you with a card swipe machine, and some even offer gifts card with them. I believe PayPal has a feature now that allows you to accept credit cards, and then there is Square (https://squareup.com/) which utilizes a smart phone.

The one factor to consider is the fee. There is usually a "rental" fee subject to volume, plus the processing fee. As for ones that also offer the gift card option, I honestly do not know what that entails. I know some friends of mine have it and it has proved beneficial, but they own a restaurant where gift cards come in handy.

Marshall

[JackieBlue]

We just use Paypal's virtual terminal for credit card transactions in our store. You do have to enter the number. If you really want the "swipe" thing, you can buy USB card readers, realtively inexpensive ($50?) that read the card number and put it on the screen so you don't have to swipe it.

[jrockfl]

@JackieBlue,
What do you use for a receipt printer?
You have to login to PayPal each time, correct?
If so, does PayPal have any user permissions access? If I had employees, I would not feel comfortable with them having full access to our PayPal account.

Yes, that is correct about the USB card reader. I purchased a MagTek MSR and it arrived this weak. I was playing around with it and was able to swipe a credit card and access the data associated with the card.

How many orders do you do a day in your store on average?

[topr8]

We have a seperate merchant account for my b&m shop - at better rates i might add.

you need a machine to swipe the card which you rent off the card processor.
these days in europe you don't swipe card you insert them (so to speak) as we are almost entirely chip and pin now for face to face sales - which is much better as there are NO chargebacks like you get with a signature.

chip and pin is also coming to the USA however you are way behind us!

[jrockfl]

I just found out that authorize.net has a card present api, so i'm starting to read that now. i have already purchased a msr to read the card.

what is this chip and pin?
how do you not get chargebacks with it?

[topr8]

>>what is this chip and pin?
how do you not get chargebacks with it?

if a customer pays using chip and pin, eg the terminal reads the chip on the card and the customer enters a pin number - then the payment is guaranteed even if the card is stolen. with a signature there is always a chance of a chargeback.

[jrockfl]

that sounds like our debit card transaction

[topr8]

all pos transactions in the uk and most of the rest of europe are like that now.