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Also, what is OZ???

( I  really am in the woods.. ha ha)

Stephen

On 2/12/2020 12:13 PM, Linda Feltner wrote:
> 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".
>
> 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,
> Cheers,
> Linda
> ____________________________
> Linda M. Feltner Artist LLC
> P.O. Box 325, Hereford, AZ 85615
> 520.803.0538
> https://urldefense.proofpoint.com/v2/url?u=http-3A__www.lindafeltner.com&d=DwIDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=aDzeqMAgmu-NM8b0mtar88FEXxQ51y6MBNGGnPUwqHc&s=YlFSWhWu6UpapcLiQU3kLFz5bedYAmFE8NGWQHcR0q0&e= 
> On 2/12/20 9:57 AM, Stephen DiCerbo wrote:
>> 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.
>>
>> https://urldefense.proofpoint.com/v2/url?u=https-3A__www.flickr.com_photos_stephendicerbo_49526142411_in_dateposted-2Dpublic_&d=DwIDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=aDzeqMAgmu-NM8b0mtar88FEXxQ51y6MBNGGnPUwqHc&s=93HunryjwQ2vhIgyZNrhh7twTudMSeR4vUZ8fumakfY&e=  
>> <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.flickr.com_photos_stephendicerbo_49526142411_in_dateposted-2Dpublic_&d=DwMDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=gsuL2pJdH-cRbAOZomH6HOZJH5L_bw02_L3ZEdltkpE&s=zUX97vXlRUnxKIi_nMgWNwAyMhviAPvJ7J5DEqCl2Kc&e=>
>>
>> You can also send invoices via email with paypal.   I do not know 
>> about any remote functionality for paypal.com 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.
>>
>> https://urldefense.proofpoint.com/v2/url?u=https-3A__www.flickr.com_photos_stephendicerbo_49526142426_in_dateposted-2Dpublic_&d=DwIDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=aDzeqMAgmu-NM8b0mtar88FEXxQ51y6MBNGGnPUwqHc&s=TKW6LqYcAsKNGnWjrD0BC561hu0vG2dyUyeyHhg_Uvk&e=  
>> <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.flickr.com_photos_stephendicerbo_49526142426_in_dateposted-2Dpublic_&d=DwMDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=gsuL2pJdH-cRbAOZomH6HOZJH5L_bw02_L3ZEdltkpE&s=yw5zuLp3-JM8OyfhGxN1UCSJdMg8irX_BFa-MhI0GGs&e=>
>>
>> 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*
>>
>>   * Accepts both magstripe and chip cards
>>   * Does not accept contactless (NFC) payments like Apple Pay
>>   * Plugs into the headset jack of your mobile device to accept payments
>>
>> *Square contactless and chip reader*
>>
>>   * Costs $49
>>   * Accepts chip cards and contactless (NFC) payments like Apple Pay
>>   * Works with the magstripe reader (included in your order) to
>>     accept magstripe cards
>>   * Works with Square Stand – plug it into the USB hardware hub for
>>     instant setup
>>   * Connects to your supported device wirelessly with Bluetooth LE
>>
>>     read more here
>>
>>     https://urldefense.proofpoint.com/v2/url?u=https-3A__squareup.com_help_us_en_article_5582-2Dsquare-2Dcontactless-2Dand-2Dchip-2Dcard-2Dreader-2Dfaqs&d=DwIDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=aDzeqMAgmu-NM8b0mtar88FEXxQ51y6MBNGGnPUwqHc&s=X4o3CPAAANXv3CckUejLWL8uEmsfBNgQkbk7pHznN9s&e= 
>>     <https://urldefense.proofpoint.com/v2/url?u=https-3A__squareup.com_help_us_en_article_5582-2Dsquare-2Dcontactless-2Dand-2Dchip-2Dcard-2Dreader-2Dfaqs&d=DwMDaQ&c=Cu5g146wZdoqVuKpTNsYHeFX_rg6kWhlkLF8Eft-wwo&r=AGYZ7-AeerjxzYnIwL-lBLFI3SPYN3BDmku4qGQB4Tg&m=gsuL2pJdH-cRbAOZomH6HOZJH5L_bw02_L3ZEdltkpE&s=QdVPQl3y27kIPj7zQGVC2rd25Cnhhw1PfQlgYBGAce0&e=>
>>
>>
>>     I probably rambled off course , but I hoped some of that helped...
>>
>>     P.S.  I would set up a paypay account in addition to Square,
>>     neither costs just to have, and paypal may come in handy
>>     depending on your customer's needs and type of transactions. Also
>>     for yout purchasing needs.
>>
>>
>>      Cheers form hopelessly mired in chasing retail,  Stephen, !!!
>>
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