Taking payments online: cards, Direct Debit and what the fees really are
Getting paid online is easier than ever and the options are more confusing than ever. The right answer depends on how you charge.
One-off payments
Cards, through a provider such as Stripe. Expect a small percentage plus a fixed fee per transaction. Good for shops, deposits and single sessions.
Recurring payments
Direct Debit, through a provider such as GoCardless, is cheaper per transaction and far fewer payments fail than with cards, because cards expire and Direct Debit mandates do not. Good for memberships, subscriptions, monthly fees and clubs.
How to read the fees
Look at three numbers: the percentage, the fixed fee, and the payout timing. A low percentage with a high fixed fee punishes small transactions. Slow payouts hurt cash flow more than fees do.
What we do
We connect the provider to your site so money goes straight to your bank account, not through ours. The site takes the booking or order; the provider handles the money. It keeps you in control and keeps us out of your finances.
Want a hand with this?
Send a few lines and you get a plain answer within two working days.
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