Paypal currently have £30 off their chip and pin card reader, down from £75 to £45
But if you use code PAYPAL20 it will knock a further £20 off making it just £25.
Great way to take card payments for small sole traders, trades people, carboot sellers, trade fairs etc
Even kept as a backup for a normal terminal it's a great price to take card payments.
Yes fees are slightly higher than a traditional terminal. But you get instant access to the money, and there's no long terminal rental fees and the like.
Ordered mine last night and it's just been sent.
Top comments
Gonz
6 Mar 1710#39
I got me one. I get fed up of people telling me they got no spare change so I can get something to eat.
doesnt work for me, entered code and wont let me log in to pay. lets me log in to pay at full price though!
eset12345 to chetsp
6 Mar 171#3
Works here.
admirable to chetsp
6 Mar 171#4
You need to sign in first and don't copy the 'code', type it in and it'll work!
admirable
6 Mar 17#5
Worked for me thanks!
superpanda
6 Mar 17#6
Worked for me. Thanks.
AlexBleubolt
6 Mar 17#7
how do you set it up
ssjinzo
6 Mar 17#8
How does the reader work? Does it need a Internet connection? What about power is it battery powered?
ssjinzo to ssjinzo
6 Mar 171#9
Found my own answer apparently it connects via Bluetooth and requires a smarts phone with paypal here app installed. Regarding batteries It has a recharged battery which can be recharged when it goes down. Don't know how long it will last untill a recharge at the moment tho.
djlondon22
6 Mar 171#10
works a treat thanks.
Just.Wondering
6 Mar 171#11
Is this, the WiFi one?
classygear
6 Mar 172#12
'Sum Up' card reader is only £29 at the moment and the fees are much cheaper
Well I suppose some might argue that PayPal is a more recognisable brand....not that I personally trust them though...too many issues. Also the £29 is plus VAT is that matters but you'd save that in the first few transactions. Other than that...No
Change_Me
6 Mar 171#16
Nice will jump on the tube and start taking wireless payments without people knowing
dijital
6 Mar 17#17
Am I missing something? its £59 on the sumup site.
Gotta
6 Mar 17#18
Are paypal cards commonly used? I've not seen anyone with one.
Fogg1969 to Gotta
6 Mar 17#22
Paypal just processes the payment, the buyer uses Visa / Mastercard / Amex / contactless.
eset12345 to Gotta
6 Mar 17#23
It processes all visa, Mastercard, also Apple and Android pay etc
Just like a card terminal in a shop
mtuk1 to Gotta
6 Mar 17#29
Lol. :smile:
classygear
6 Mar 17#19
no its £29 until 31/3. says so on front page in yellow circle
dijital
6 Mar 17#20
Not in a Ad/Cookie blocked browser it doesn't, disabling the ad/privacy stuff made it come up.
chetsp
6 Mar 17#21
Ordered on mobile, cheers
plewis00
6 Mar 171#24
Just wanted to say that if you call PayPal and already have a moderate-high volume account, they will give it to you free - we got this. So you pay upfront and then when you have done more than the cost of the reader in transactions (e.g. £50 or 75) they will credit it back to you - while you do pay upfront you get it back later.
Good little machines, and this new one is better as the displayless one was hard to explain to customers but we found on both they run out of power within about a week when turned off so you basically need to charge them in advance before use or leave them on charge (as they take 15 minutes to regain enough charge to turn on, very annoying).
Faba1993
6 Mar 17#25
yep. that worked for me thanks.
cruisecars
6 Mar 171#26
ordered cheers op
only1shaks
6 Mar 171#27
won't work. I've signed in....entered code not copied. it then accepts code and show total of £25 I press next/continue then it's throws the screen back to £45......help :disappointed:
eset12345 to only1shaks
6 Mar 172#28
Try on mobile
ned_solanki
6 Mar 17#30
Hi. Worked for me off my phone. Thanks this will help my Mrs's company
robthetog
6 Mar 17#31
Sum up for the win :wink: Used both. SU is much better. No connection issues like Paypal
only1shaks
6 Mar 17#32
your lucky...Apparently they've removed code as it's already heavily discounted. so it's hit and miss who gets it from here on. for me it's a no no. still a great deal OP
nwressell
6 Mar 17#33
keeps reverting back to £45 when I click to pay!
pontprennau
6 Mar 17#34
Many thanks OP !! :smiley:
marcindziurdz
6 Mar 17#35
Great deal. Everything works. Just ordered mine. Thanks for sharing.
rumuk
6 Mar 17#36
thanks op ordered mine :-)
only1shaks
6 Mar 171#37
just when you think your outta luck.....I went and tried on the ipad and it finally worked. still haven't got my usual message from paypal seconds later confirming....starting to think if they'll even send them out now. fingers x
spannerzone
6 Mar 171#38
wow what you all using these things for? I thought cash was still king on the street corners and through car windows when making transactions of a dubious nature :smile:
Gonz
6 Mar 1710#39
I got me one. I get fed up of people telling me they got no spare change so I can get something to eat.
Ladies and Gentlemen.... I now accept cards!
Chrrye
6 Mar 17#40
So your ad blocker blocked an ad? Interesting... :man:
Rob_B
6 Mar 17#41
So for uk only sales is the blended fee or IC option better? I'm not sure what card fees are so IC + 2% may or may not be better than 2.75 flat rate
eset12345 to Rob_B
6 Mar 171#42
ic+2% should be minimally cheaper, depending on the type of card used.
For standard consumer visa / Mastercard credit and debit card it'll be about 2.3% per transaction, commercial cards its about 3.4% per transaction.
sleth
6 Mar 17#43
says expired
geoffbadgerface
6 Mar 17#44
Thanks for this, but getting "Sorry, this code has expired". Tried when logged in and on mobile.
pattern
6 Mar 17#45
Will buy one to collect money from everyone who owes me :stuck_out_tongue:
sellsmart123
6 Mar 17#46
Code expired
erinarenauk
6 Mar 17#47
Yep...code expired...doh!
sellsmart123
6 Mar 17#48
Code expired while I was checking out! It said I would be charged the cheaper price but confirmation said £45 each!!!!!
s2_ytb
6 Mar 17#49
Damn missed it :disappointed:
cogent75
6 Mar 17#50
Expired
admirable
6 Mar 17#51
Paypal invoice came through, even better, £25 includes £4.17 vat so makes it £20.83p .............result! :smiley:
Njgallier
6 Mar 17#52
Purchased. Thanks
erinarenauk
6 Mar 17#53
@ Njgallier Purchased at £25 or £45
fazerman39
6 Mar 17#54
Discount Code now expired.........
moneysm
6 Mar 17#55
please include some detail I'm torn between the 2
londonguy
7 Mar 17#56
does it worked with cloned cards :laughing:
Darkraiser
7 Mar 17#57
Does this work with contactless?
SUMMONER to Darkraiser
7 Mar 17#58
Yes, it does.
Jonb133
7 Mar 17#59
Ordered and forgot to put code in, tried to order one with code and it had expired,
Can't see how to cancel, have to send it back which is a headache.
artnada
7 Mar 17#60
Takes over a week to get your money
artnada
7 Mar 17#61
I have SumUp reader and iZettle reader. IZettle wins over every time. The SumUp reader is in the glove box as a last resort back up.
Newbold
7 Mar 17#62
Worse still - you may not get the money at all. PayPal have quite a reputation for withholding payments, and all it's going to take is a stolen card, or a chargeback claim, and that's your money gone.
eset12345
7 Mar 17#63
Nonsense.
Chargeback claims for chip and pin payments are next to non existent.
And the very few that do happen the liability falls on the side of the bank.
Contactless, they are 100% guaranteed by the banks / card issuers, the retailer bares no liability and will get paid, even if the card / transaction is from a stolen or lost card
Newbold
7 Mar 17#64
From the PayPal T&C:
"Can PayPal help me with chargebacks?
A chargeback happens when a buyer asks their credit card issuer to reverse a transaction that has already cleared. This can mean that a payment you’ve received in your PayPal account could be reversed, even if you’ve already posted the goods.
PayPal will help you as much as possible if you wish to dispute a chargeback, although the final decision lies with the credit card company."
woohoomeee
7 Mar 17#65
superfamiking
7 Mar 17#66
paid £75 last month for this so a little gutted!, but i've used it loads already!
Great find op
eset12345
7 Mar 17#67
You're quoting from paypal e-money and customer not present terms, but I'll play along.
In reality for chip and pin transactions chargebacks aren't entertained by card companies, other than for defective goods, cases where someone has used a card and pin without your authorization, the bank will cover the refund, if they entertain the claim, which they shouldn't because there is liability on the part of the customer by disclosing their pin to a 3rd party.
And contactless payments won't ever be reversed from the retailer, the bank will cover the cost of any charge backs / fraud etc
For a retailer chip and pin and contactless are pretty much as good as cash, contactless much more so, because the refund can't be refunded from the retailer even or defective goods.
Newbold
7 Mar 17#68
I'm quoting from the T&C applicable to this device actually - that's where this condition came from. I think we have to agree to disagree about the extent to which PayPal might apply it. PayPal operates very differently from mainstream banks and chargebacks are perfectly feasible.
eset12345
7 Mar 17#69
Yes, and the bit you're quoting applies to customer not present transactions, ie typing the card number in to the device itself.
Newbold
7 Mar 17#70
OK - since you want chapter and verse:
PayPal Here™ Agreement [this applies to the readers]
This PayPal Here™ Agreement (“PayPal Here Terms”) is a contract between you (“you”) and PayPal (Europe) S.à r.l et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg (“PayPal”, “we” or “us”) and applies to your use of the Services to accept payments from PayPal Accounts, credit cards and debit cards into your PayPal Account using the PayPal Here Card Reader and software (“PayPal Here”). You must read, agree with and accept all of the terms and conditions contained in these PayPal Here Terms. By purchasing the PayPal Here Card Reader and/or using PayPal Here, you acknowledge that you have agreed to these PayPal Here Terms. Capitalised terms that are not defined in these PayPal Here Terms, including Section 15 (Definitions), are defined in the PayPal User Agreement.
14. PayPal seller protection. [from the PayPal Here™ Agreement]
PayPal Here transactions are not eligible for PayPal seller protection. Please also read section 4.3 (Risk of Reversals, Chargebacks and Claims) of the PayPal User Agreement to understand the risk of Chargebacks arising when you receive a payment.
*4.3 [PayPal User Agreement] Risk of Reversals, Chargebacks and Claims. The receipt of a payment into your PayPal Account does not equate to the receipt of cleared funds. A notification that E-money has been sent to you, does not amount to a receipt of E-money in your Account unless you have accepted the payment. You acknowledge and agree that a payment transaction is completed and received by you even if it becomes subject to a Reversal, Chargeback. Claim, Reserve or hold. When you receive a payment, you are liable to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if you lose a Chargeback or Claim and you are not entitled to a payment under the Seller Protection Programme, you will owe PayPal an amount equal to the Reversal, Chargeback or Claim and our Fees per Schedule 1 (including a Chargeback Fee if applicable) and PayPal will debit your Balance to recover such an amount. If a sender of a payment files a Chargeback, the credit card company, not PayPal, will determine who wins the Chargeback. You can find out more about Chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Centre and the section called: “Selling Safely”. The PayPal Security Centre is accessed via the PayPal website.
eset12345
7 Mar 17#71
So shall will just ignore that it even says e-money, that the credit card company will dictate if a chargeback is settled, and a whole host of regulations surrounding card payments and chargebacks and the like.
Paypal has no say in credit / debit card chargebacks in face to face transactions, and a credit card company will not entertain a chargeback other than for defective goods,and yet your initial claim was that paypal had a history of this.
A chargeback where a pin is used, even if it is a stolen card won't be reclaimed from the retailer, using a pin and having it authorized, indemnified the retailer, and the payment is as good as cash
"When an authorisation has been given, the merchant is protected from cardholders claiming they did not take part in the transaction and the card issuer charging back the transaction. However, this is not a defence against a chargeback if the goods or services supplied are not as described or are faulty.In addition, when merchants accepts a chip & PIN transactions that have been correctly processed, as advised by their acquirer using a compliant chip & PIN terminal, a merchant may benefit from a liability shift should a chargeback be raised because the card is lost or stolen"
Newbold
7 Mar 17#72
As I said, we'll just have to disagree on how PayPal will use their T&C. :neutral_face:
artnada
9 Mar 17#73
I was referring to sumUp question asked :wink:
Yardbird
9 Mar 17#74
What are the advantages of iZettle? Ive got SumUp card reader and You have to pair the card reader with your mobile for every single transaction...annoying Is that the case with iZettle? Thanks
artnada
9 Mar 17#75
The new iZettle reader (the white one) is very fast at connecting to my mobile. No problems.
Opening post
But if you use code PAYPAL20 it will knock a further £20 off making it just £25.
Great way to take card payments for small sole traders, trades people, carboot sellers, trade fairs etc
Even kept as a backup for a normal terminal it's a great price to take card payments.
Yes fees are slightly higher than a traditional terminal. But you get instant access to the money, and there's no long terminal rental fees and the like.
Ordered mine last night and it's just been sent.
Top comments
Ladies and Gentlemen.... I now accept cards!
All comments (76)
Just like a card terminal in a shop
Good little machines, and this new one is better as the displayless one was hard to explain to customers but we found on both they run out of power within about a week when turned off so you basically need to charge them in advance before use or leave them on charge (as they take 15 minutes to regain enough charge to turn on, very annoying).
Ladies and Gentlemen.... I now accept cards!
For standard consumer visa / Mastercard credit and debit card it'll be about 2.3% per transaction, commercial cards its about 3.4% per transaction.
Can't see how to cancel, have to send it back which is a headache.
Chargeback claims for chip and pin payments are next to non existent.
And the very few that do happen the liability falls on the side of the bank.
Contactless, they are 100% guaranteed by the banks / card issuers, the retailer bares no liability and will get paid, even if the card / transaction is from a stolen or lost card
"Can PayPal help me with chargebacks?
A chargeback happens when a buyer asks their credit card issuer to reverse a transaction that has already cleared. This can mean that a payment you’ve received in your PayPal account could be reversed, even if you’ve already posted the goods.
PayPal will help you as much as possible if you wish to dispute a chargeback, although the final decision lies with the credit card company."
Great find op
In reality for chip and pin transactions chargebacks aren't entertained by card companies, other than for defective goods, cases where someone has used a card and pin without your authorization, the bank will cover the refund, if they entertain the claim, which they shouldn't because there is liability on the part of the customer by disclosing their pin to a 3rd party.
And contactless payments won't ever be reversed from the retailer, the bank will cover the cost of any charge backs / fraud etc
For a retailer chip and pin and contactless are pretty much as good as cash, contactless much more so, because the refund can't be refunded from the retailer even or defective goods.
PayPal Here™ Agreement [this applies to the readers]
This PayPal Here™ Agreement (“PayPal Here Terms”) is a contract between you (“you”) and PayPal (Europe) S.à r.l et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg (“PayPal”, “we” or “us”) and applies to your use of the Services to accept payments from PayPal Accounts, credit cards and debit cards into your PayPal Account using the PayPal Here Card Reader and software (“PayPal Here”). You must read, agree with and accept all of the terms and conditions contained in these PayPal Here Terms. By purchasing the PayPal Here Card Reader and/or using PayPal Here, you acknowledge that you have agreed to these PayPal Here Terms. Capitalised terms that are not defined in these PayPal Here Terms, including Section 15 (Definitions), are defined in the PayPal User Agreement.
14. PayPal seller protection. [from the PayPal Here™ Agreement]
PayPal Here transactions are not eligible for PayPal seller protection. Please also read section 4.3 (Risk of Reversals, Chargebacks and Claims) of the PayPal User Agreement to understand the risk of Chargebacks arising when you receive a payment.
*4.3 [PayPal User Agreement] Risk of Reversals, Chargebacks and Claims. The receipt of a payment into your PayPal Account does not equate to the receipt of cleared funds. A notification that E-money has been sent to you, does not amount to a receipt of E-money in your Account unless you have accepted the payment. You acknowledge and agree that a payment transaction is completed and received by you even if it becomes subject to a Reversal, Chargeback. Claim, Reserve or hold. When you receive a payment, you are liable to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if you lose a Chargeback or Claim and you are not entitled to a payment under the Seller Protection Programme, you will owe PayPal an amount equal to the Reversal, Chargeback or Claim and our Fees per Schedule 1 (including a Chargeback Fee if applicable) and PayPal will debit your Balance to recover such an amount. If a sender of a payment files a Chargeback, the credit card company, not PayPal, will determine who wins the Chargeback. You can find out more about Chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Centre and the section called: “Selling Safely”. The PayPal Security Centre is accessed via the PayPal website.
Paypal has no say in credit / debit card chargebacks in face to face transactions, and a credit card company will not entertain a chargeback other than for defective goods,and yet your initial claim was that paypal had a history of this.
A chargeback where a pin is used, even if it is a stolen card won't be reclaimed from the retailer, using a pin and having it authorized, indemnified the retailer, and the payment is as good as cash
http://www.theukcardsassociation.org.uk/cards-transactions/card-present-transactions.asp
"When an authorisation has been given, the merchant is protected from cardholders claiming they did not take part in the transaction and the card issuer charging back the transaction. However, this is not a defence against a chargeback if the goods or services supplied are not as described or are faulty.In addition, when merchants accepts a chip & PIN transactions that have been correctly processed, as advised by their acquirer using a compliant chip & PIN terminal, a merchant may benefit from a liability shift should a chargeback be raised because the card is lost or stolen"