On 2/12/2020 12:13 PM, Linda Feltner wrote:
[log in to unmask]"> Thank you Stephen!
This is very helpful. 

I do have a PayPal account, but not really satisfied with it, with my latest sales. Two customer service reps cannot give me the same answer to questions, and they just re-organized their FAQs, which is not as user-friendly as I would assume. 

Your experience in all retail conditions has been very helpful. What about the signal, what if the card won't "tap" (that happened in OZ) not all cards tap, but swiping is the option, but one loses "benefits". 

yes,  and unfortunately I don't have any overseas experience but I know everyone has a fee for converting currency...    If you are looking to pass on or incorporate card charges,  I am pretty sure that Square spells it out in percentages...

check here.....

I am sure that with a bit of looking you could find the currency conversion charge, too.... 

as for the TAP   I have yet to have to deal with tap sales....   but I believe that these refer to things like applepay. which do not involve cards, but are an app on a smartphone...   the customer "taps" the phone.  The Chip card reader I am referring to works by inserting the chip end of the card into the reader, which will transmit the card info to the square app on your device via bluetooth  . So basically your reader needs to be near the device, but the chip card use the customer/you encounters is the same as in a retail store.

the "signal"  is the cell phone signal which allows the app on your phone to deposit the CC sale instantly into your account, via wireless phone signal...    I have not had to resort to it, but I think it may also be possible to do the transaction end between the card, the reader and your device at time of sale, then upload the transaction to your account when you get in range of a cell phone signal , if your cell phone coverage is NG at the transaction site...   you could google this and probably find info about it....   then any  retaining fraud coverage, and the fee percentage would likely be  preserved because you used the chip reader instead of the swiper or manual number insert.

If I didn't mention you can also send credit card invoices with Square, although I am not sure if there is a fee difference (I think there is bet)  or fraud coverage....    . Email invoicing with fraud coverage seems like a thing to look for in overseas transactions.

I just checked my records (Square does a decent job of keeping accessible accounting records of all your transactions, too )   For Sales from my website (ecommerce) paid and for email invoices paid, the fee was 2.90% = $0.30...     for a "dipped"  (read) chip card direct in person sale, the fee was 2.75%.

An overseas customer paying by email invoice would not likely incur overseas phone charges for either of you, but those would likely be part of the transaction if you were processing a card sale while you were in Paris with your US phone service.

let me know if I can throw more at you (I Promise it'll likely not be made up.. ha ha)


PS  as for customer service...    I only dealt with Square up customer service once  from the airfield farmers market in the woods, and he helped me update(download) on my phone square app so it would function properly with the reader . Thankfully Verizon wireless had decent coverage in that part of the north country.  But the dude was really helpful.  It is unknown to me at this time if you might wind up talking to someone in Malaysia , but at the time ..
well all was good ...  I think I even got a sale that day.

[log in to unmask]"> I would prefer to know in advance of all the "likely" charges that I would receive, for I know the customer is A-OK with the price. .  Plus the overseas phone charges by using the phone comes in to play. 

Again, thank you for your thoughts,
Linda M. Feltner Artist LLC
P.O. Box 325, Hereford, AZ 85615
On 2/12/20 9:57 AM, Stephen DiCerbo wrote:
[log in to unmask]"> Hi  Linda

   I use both, but paypal mostly for purchasing.. it is pretty universally available at sites online, and offers some purchase protection when the "goods and services" option is chosen.  This results in a small fee to the seller, not the buyer.

If you are the buyer using paypal , you have this option sending money, buying goods and services.  Sending money to friends does not incur fees. The choice belongs to the sender/buyer.

You can also send invoices via email with paypal.   I do not know about any remote functionality for for accepting charges.

I use Square (Up)  primarily for sales.  The remote functions work very well,  but will also need to rely on your phone signal for iPhone/smart phone   or iPad  at the Farmer's Market out in an airfield somewhere. 
I am just amazed that this can be done at all... !

You can accept credit cards, including Amex and Discover (in case you were wondering)  ,  and for the customer it functions as just a normal card transactions.  Receipts are offered and sent via email to customer. The Customer doesn't have the added layer of buyer protection offered with a paypal transaction, but protection from their card companies are ample.

There are 3 ways to accept payment with Square..  the chip reader, the swiper, and direct number entry.   The chip reader offers protection for card fraud. You can still use the other methods, but in the way out chance of card fraud...   you will lose that money from that transaction if you use a chip card in a swiper. This comes from the card companies, and so, naturally, is part of square's processing Requirements...    With the advent of new, more secure chips on cards, the Card companies set a date like a year ago or so , after which they would  not to protect Card Fraud from swiped transactions on chip cards.

As for the swipe readers, the original ones were fitted with audio plug access to your phone, which is non existent in the newer phones . Then they came out with one that connects with the lightning charger of you iPhone .  I do not know if any swipe mechanisms ever existed  for iPads, as I am new to them. 

But the chip reader is the way to go, which works with all phones and iPad via bluetooth.  Mostly for fraud protection. But keep the swiper and number entry in your back pocket for just in cases.  Successful field sales will depend on  (and I have had some incidents to learn this) The charge on your phone or iPad. The cell phone signal signal strength to those devices.  The charge on your chip reader.  The bluetooth connection between the reader and the device. And ,lastly updated software... 

But this is all manageable just stay on top of charging everything , and being in a strong cell signal area...     In the very rare chance that you might accept a sale with no cell signal, to enter as soon as you get within range of one...   ask to shoot a photo of the customers card, front and back, and drivers license ...   you can enter that charge after the fact with a direct number entry. You won't have a signature,  but if you pack along and old school swiping machine with carbon copy receipts , you can capture a signature.. ( I am not sure of the amount of protection this would offer when not dealing directly with a bank, but it should)

There is an acceptable fee for transactions, much less than dealing directly with banks and CC companies, and it is a little more for a swipe than a chip read, I believe, and maybe a little more for a number entry.  Another reason to do all possible to rely on the chip reader...

In the end,  all very reasonable route to be able to accommodate customers in what most times is an impulse buy,  and sell your goods or services.

Heres what the Square swipe readers look like and the base model chip reader.. (there are fancier models , some that print receipts.

a bit of info from Square about the chip reader....   of course the "audio plug" swiper  is likely not applicable, as I assume you have an iPhone, you would need the one for lighting charger connection. A contactless + chip reader would allow you to accept charges from not only inserted chip cards, but a "touch charge" from a customers phone such as Applepay , etc. 

What is the difference between the chip card reader and the contactless + chip reader?

Great Question. Here are the key differences:

Square chip card reader

Square contactless and chip reader


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