How to Take Card Payments Over the Phone

Whether it ’ s requesting a deposit or chasing an invoice, taking payments over the call ( a card-not-present transaction ) can save you valuable time. People are busy, but that doesn ’ triiodothyronine blockage you necessitate things to move fast .
Although the procedure is decades previous, there ’ s some disquiet surrounding how to accept credit cards via call. still, over-the-phone payments hold incredible potential for all businesses, thus get ’ randomness clear up some of the biggest questions and worries that merchants have .

Is it possible to take card payments over the phone?

Yes, and many people actually prefer it. Over-the-phone payments are specially dependable for business when :

  • You have a remote or delivery-based business where the customer doesn’t visit you or your store in-person.
  • You work on-the-go, leaving no time to take immediate payments or visit customers at a later date.
  • You and the customer would both prefer a quicker processing time than with check or bank transfer.
  • You don’t want to keep cash on your person or at your premises.
  • You want to create safeguards for your business by taking upfront deposits from customers.

For customers, many just prefer the human interaction before parting with their cash. If they ’ ve called up to ask about your products, it ’ s besides easier for them to fair pay there and then. Plus, if paying over the earphone means they ’ ll get their items faster, that ’ s a huge bonus.

Over-the-phone payments – done properly – require a virtual terminal. This have allows you to manage transactions without a card-reader wherever you are, any time of day .

Get Started with Virtual Terminal

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Is it safe to take payments over the phone?

Yes, when you follow the right process .
As a business, the biggest risks associated with telephone payment processing come from not following PCI DSS submission. In short, this refers to your consent to safely and securely accept, shop, process and convey cardholder data during card transactions .
Non-compliance can result in fines for your clientele, so it ’ sulfur always worth ensuring you ’ re doing things properly. The easy solution ? Choose a payment supplier, complete with virtual terminal, who will do the complaisance legwork for you. Square does it all, ensuring that elementary errors, honest mistakes and disputes are resolved equitably.

How to take payments over the phone

Taking payments over the phone is simple and impregnable when you follow these steps :

Square Virtual Terminal

  1. Sign in to your virtual terminal via Square Dashboard
  2. Hit ‘Take a Payment’ in the menu
  3. Call the customer and ask them to provide their card details
  4. Complete all payment fields
  5. Double check the information with the customer
  6. Hit ‘Charge’
  7. The sale is complete

The requital will then be transferred into your account the future clientele day .

Keyed in payments in POS App

If you ’ re using the Square POS App, you might receive an over-the-phone requital request while you ’ re at the till. You may besides be required to manually key in person ’ s card details whilst they ’ ra in-store, for example if they ’ ve left their card at home. The process is precisely arsenic easy as with Square Virtual Terminal :

  1. Key in the amount or add the items that the customer is purchasing
  2. Hit ‘Charge’ and select ‘Manual card entry’
  3. Key in the customer’s card details and hit ‘Charge’

How much does it cost to take card payments over the phone?

It ’ south worth noting that manually entered card transactions carry a higher risk than those when the cardholder is present to complete the information themselves. As a solution, credit circuit board networks put auspices measures in home, resulting in slightly higher fees from your requital provider.

At Square, we charge 3.5 % + 15¢ per transaction for payments made through our virtual Terminal or keyed in in the POS app. Learn more about Square payment serve fees .
Faster payments, on-the-go flexibility and flying deliveries for your customers are all great reasons to accept over-the-phone payments from your customers. Though it may feel a fiddling affected when you ’ re sol used to one-click rate on-line, the more flexible you can be as a business, the better. Rest assured, that with Square Virtual Terminal you can provide that flexibility safely and securely .
And remember, if your customers prefer not to pay over the call, Square Invoices or Square Online Checkout are great alternatives, allowing them to pay from their own device .

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Category : Finance

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