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Card payments, by trade.
How you take money decides what you should be paying for it. A coffee shop and a tattoo studio have almost nothing in common at the card machine.
Cafes and coffee shops
Low average transaction value, very high volume. Per-transaction authorisation fees matter more here than the headline percentage, and contactless speed at the counter matters most of all.
Pubs and restaurants
Table service means taking payment away from the till without losing the connection, tipping handled properly at the point of payment, and split bills that do not slow the floor down.
Salons and barbers
Payment taken at the chair, deposits to cut no-shows, and a booking system that is often already processing cards at a rate nobody has checked.
Tattoo and piercing studios
Large single transactions and deposits taken well in advance. Chargeback exposure is the thing to get right, not the last hundredth of a percent.
Gyms and studios
Recurring monthly billing is the whole business model. Failed-payment handling and the cost of collecting a membership matter far more than counter hardware.
Mobile and appointment trades
Groomers, therapists and tradespeople taking payment at the customer's door need a terminal on a mobile network, or a payment link and no hardware at all.
Takeaways
Short, fast transactions at the counter and a phone ringing at the same time. Authorisation fees per order and a terminal that never holds the queue up are what count here.
Cash and carry
Large baskets, business customers and a mix of debit, commercial and credit cards. Commercial card rates are where the money quietly goes on this one.
Building trade
Payment taken on site rather than at a counter, deposits before materials, and staged payments on bigger jobs. A terminal on a mobile network, or a link sent from the van.
Trade not listed?
The principle does not change. Tell us how and where you take payment and we will work out what suits it.