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Thursday, December 1, 2011

Swipe Credit Cards on Your Smart Phone

More and more people are starting to ask if I will accept a credit card for Zumbawear purchases. The answer is YES! I can process payments on my smartphone using an app or with a card reader. There are a few companies to choose from, but for the occasional sale, I recommend Square. See https://squareup.com/.

There is a 2.75% swipe fee per transaction, but there is always a fee to accept credit cards no matter what service you use. If you type in the card number instead of swiping, the fee is 3.5% + 15 cents. Why? Because swiping proves the physical presence of the card, lowering the risk of fraudulent charges that the credit card company would be responsible for.

One downside to this technology is that it makes people nervous. The card reader doesn't always pick up the card information on the first try, so the customer needs to trust that if you swipe her card 10 times, she will only be charged once. After you swipe successfully, your customer signs the screen and will receive an email receipt.

1 comment:

Davinna Artibey said...

This is exciting! So many aspects of the business side of teaching Zumba intimidate me. This, however, doesn't seem so scary and is a relief to know about. Thank you, again, Kim, for another great idea!