![]() ![]() When a customer calls your shop or service, they will read their credit card information aloud to you or one of your associates. Taking an over-the-phone payment is a relatively straightforward process. Consider choosing a card reader that has a mobile payment option built-in, such as Clover® Go. How to Accept Mobile and Over-The-Phone Payments Mobile PaymentsĪs mobile payment systems, such as Apple Pay and Samsung Pay, become more popular, offering a mobile payment option is important for businesses. Just like in-person payment processors, be aware of the fees that come with an online payment processor option. Take payments online, any time, without hardware. ![]() Whether you already have a website in place, or you’re still building it, the Clover® Virtual Terminal is an excellent option for online-only shops. To create a digital storefront, you’ll need a secure, online card payment processor. If you own an e-commerce shop, restaurant, or any business that accepts online orders, having a digital storefront is a must in order to accept online card payments. How to Accept Online Credit Card Payments Interested in choosing Clover® as your point-of-sale system terminal provider? Visit a Landmark National Bank location near you and learn more about your options today. Clover® Station: Recommended for high-volume businesses, such as bars and restaurants, and allows you to create dynamic floor plans, manage your wait staff, and more.Clover® Flex: Allows medium-volume businesses to track cash payments, send paperless receipts, and export basic reports.Clover® Go: Makes it simple for you to accept card payments while on the go, and can be paired with the Clover® mobile app to set discount rates, tip rates, and tax rates.Clover’s payment technology offerings include: With Clover’s POS systems, you can make your transition to accepting cards easier. Landmark National Bank is partnered with Clover®, a convenient payment technology provider. Once you’ve opened a merchant account or chosen a payment service provider, you’ll need a card reader and point-of-sale (POS) system to accept payments. If you haven’t already, you’ll also want to open a business bank account for money to be deposited into. Both merchant accounts and payment service providers are excellent choices for small businesses. While payment service providers tend to have lower processing and transaction fees, they may have difficulty handling a larger volume of transactions. Common payment service providers include PayPal, Apple Pay, and Stripe. Payment service providers are companies that allow you to accept card payments without having to go through the bank. A merchant account is an account that is directly connected to a bank and authorized to accept card payments for your business. There are two ways to accept in-person card payments: with a merchant account, or with a payment service provider. How to Accept In-Person Card Payments Choose a Merchant Account or Payment Service Provider Regardless of what kind of card payment option you choose, you can learn more about each type below. Restaurants, for example, may require over-the-phone card payments for deliveries or pick-up orders, while in-person and online payments may work better for boutiques and shops. The type of card payment option you choose may vary depending on your business type. Over-the-phone payments: Take card payments verbally over the phone without a physical card in person.Mobile payments: An add-on option that can be used for both in-person and online payments.Online card payments: Can accompany in-person payments or be used alone through online stores.In-person card payments: Most common when you own a brick-and-mortar shop.There are three ways to accept card payments Determine How You’ll Accept Card Paymentsīefore you begin the actual process of adopting card payment options for your business, you should determine exactly how you want to accept card payments. In this guide from Landmark National Bank, you can learn how to start accepting card payments for your small business. However, if your small business has yet to add the option of card payments, it can be an intimidating transition. From giving your customers more ways to pay to streamlining your overall payment process, card payment can be a busy business owner’s best friend. When you allow your customers to pay with credit and debit cards, you can reap the benefits in a number of ways. ![]()
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