A faulty card machine is a source of frustration for all involved.
Customers these days expect to be able to pay with card (47% of all payments in 2018 were made by debit/credit card according to UK Finance) wherever they go - and they’re likely to be frustrated if their demands can’t be met there and then.
That said, there are a few things you can do to ease the situation, and get your business back up and running in no time.
In the event of card machine breakdown, the first question you should ask yourself is the following…
Take a deep breath, calm down - and try and get to the root of the issue.
There are a number of reasons why a card machine could be experiencing problems.
In most cases, you’ll usually find these are isolated incidents. However, if you’re finding any of the above to be a recurring problem, you’ll need to get in touch with your merchant provider to try and figure out a long-term solution.
Many merchant accounts come with their own help and support packages, but if you feel like your business is not getting the service and reliability you need, you might need to look towards switching provider.
With a merchant account, your business can start accepting a range of different types of card payments, including:
Face to face payments: the traditional card payment using a card terminal. This applies to both Chip & PIN and contactless payments.
Online payments: especially important if you’re an e-commerce business. This enables you to start taking customer not present (CNP) transactions via your website through a payment gateway.
Mail order and phone payments: self-explanatory, but again, applies to similar types of CNP transactions using a virtual terminal.
With all these different ways to accept card payments available to your business, the chance for growth is enhanced - and your customers will always appreciate the extra flexibility and accessibility when it comes to paying for your products and services.
We appreciate that stopping what you’re doing to try and fix a card machine isn’t simple when you’re rushed off your feet and time is of the essence.
That said, it’s still the first step towards working out a solution - and we would always recommend keeping the five points above in mind when investigating the issue.
This is just basic customer service. Whenever there is a delay - communication is key.
Let them know what’s going on, and more often than not, people will understand. Most customers will sympathise with technical difficulties - and if your staff can keep them smiling in the interim period while you’re working out a solution, it takes a lot of the pressure off your shoulders.
If you’re convinced that there isn’t a problem with the actual card terminal, or connectivity in the building - it’s likely that there might be a concern with the customer’s payment card.
Damage to the card is usually a result of general wear and tear. For instance, the Chip could be in poor condition. This isn’t always a visible issue - but in this situation, it’s always worth suggesting that the customer tries to pay again with a different card (if they have one available).
Any reputable merchant services provider will offer a good level of support for when these things happen. Again, card terminals are made to be reliable - and particularly with modern innovations in technology, the likelihood of a breakdown is slim.
That being said, you’ll usually find that most merchant service providers across the board generally appreciate that issues can happen - and offer a support element within their package as standard. So, it’s always worth picking up the phone if you’re out of options.
If you do opt for assistance from your provider, there’s usually a technical helpdesk you can call. Whether this is available 24/7, or limited hours only, will depend on your merchant services provider.
The majority of providers offer a dedicated technical support helpline. In most cases, they can diagnose and solve your problem over the phone.
If this isn’t successful, your provider will then either send out a replacement terminal or arrange for a dedicated support engineer to visit your business. Bear in mind, there might be a call-out charge!
Some companies will charge you a monthly fee to cover terminal replacement - almost like a type of ‘insurance’.
This isn’t the case for every provider - but since your card machines are rented, the provider is likely to make you pay if the damage/breakdown is your fault.
Handepay offers UK-based helpdesk support on accepting card payments from a single phone number (you can call 0871 871 3888, or 0333 005 0999 if you are Worldpay acquired).
We’re available 24/7 to perform troubleshooting on your terminal if you need us.
If we’re unable to resolve your technical issues over the phone, a replacement terminal will be arranged. It’s as simple as that!