Payments
4 min read
What a card payment actually costs you, per sale
mada, credit cards and the cap that changes everything at high basket values. Here is how to work out your real cost per sale, and the questions to ask your provider.
Articles
Payments
mada, tap-to-phone, buy-now-pay-later and what each one actually costs you per sale.
- Payments
4 min read
Tap to phone: taking a card payment with no card machine
SoftPOS turns an NFC phone into a contactless card terminal. Here is what it is genuinely good for, what it is not, and how it changes a market stall, a delivery driver and a busy floor.
- Payments
4 min read
Buy now, pay later at the counter: the arithmetic before you switch it on
BNPL raises basket size and costs more than a card. Here is when the trade is worth it, when it is not, and what changes at the counter when you offer it.
- Payments
4 min read
Reconciling payments: making the bank agree with the till
Card money arrives later, in batches, net of fees, and sometimes not at all. Here is a weekly routine that finds the missing ones while they can still be chased.
- Payments
3 min read
Cash still costs you something — here is how much
Cards charge a visible percentage; cash charges an invisible one. Counting, banking, shrinkage, variance investigation and the float all cost real money, and most shops have never added them up.
- Payments
4 min read
Settlement timing: why your bank balance lags your sales
A strong Thursday does not become money until Sunday. For a business paying suppliers weekly, that gap is the difference between comfortable and tight, and it is manageable once you can see it.
- Payments
4 min read
Digital receipts: faster at the counter, and a customer list by accident
Sending the invoice over WhatsApp is quicker than printing it, solves the faded-receipt return problem, and builds the customer list you have never had. Here is how to do it properly.
- Payments
4 min read
Chargebacks: what they are, and the evidence that wins them
A customer disputes a charge and the money is taken back from you, often months later. Most disputes are won or lost on whether you kept the right records at the time of sale.
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