Worldpay is a global behemoth of payment processing, Payleven a plucky newcomer. But who really knows what their customers want and more importantly who is delivering it?
Firstly it is worth pointing out what these solutions have in common:
- Wireless chip and PIN reader that works with an app on your phone or tablet
- No contract.
Now let the games begin!
The big (and little) differences:
|Sign Up||Sign Up|
|Card Reader Price||£69.99 inc VAT with code FR535817 (£10 discount)||£39.99 + VAT with code PAYUKTRIAL when you go through link|
|Transaction limit||£5K||£10K business/ £500 individual|
|Payments over the phone||Yes||No (coming soon)|
|Cards accepted||Visa, Mastercard, Maestro||Visa, Mastercard, Maestro, American Express|
|Receipts||SMS or bluetooth printer||email or portable/ desktop printer|
|Transaction Charges||Pay as you go: 2.75%/ transaction|
monthly: £5.99 + 1.95%/ transaction
|2.75% per transaction (decreases after £2.5K)|
|Multiple machines per account||No||Yes|
|Use abroad||No||Yes (if you notify Payleven)|
|Payments||4 days||4-7 days|
The card machines are pretty similar. Both are small black plastic boxes that fit in the palm of your hand. They connect to your phone through bluetooth and both process payments quickly. Both manufactured by Miura systems.
- OLED display
- 12-month warranty.
- Black acrylic, 3.5cm display
- Battery lasts around 150 transactions. To give the unit a full charge takes 45 mins.
There are few differences in terms of the app. Both are very straightforward and have payments processed in a flash. You can access more info through the Payleven app and also access other account holders information through the master account if you are operating multiple Payleven devices.
- iOS and Android
- Simple app, input payment value and description
- Payment and refund history available
- Receipts, refunds, cash payments.
- iOS and Android versions
- Save items in iOS version
- Access your account from the app including printer settings
- Searchable sales history
- manage staff lists
- The master account holder sees information about all the accounts, sub accounts only see information about their account.
Worldpay’s account is better, offering card not present payments (over the phone).
Here there’s a big difference. You might be persuaded to go with an established company and in the world of payment processing few companies are more established than WorldPay.
- Search for, review and produce reports on all the payments you’ve taken
- Refund or void payments
- Re-issue and customise receipts
- Take card payments manually over the phone
- Make sure payments have reached your bank account.
- Access and download reports
- Change bank details and company info
- Order additional hardware.
- Established 1989
- Operate in 40+ countries
- Provide online, mail order, face-to-face and regular payments
- WorldPay is one of Europe’s top card payment processors, handling almost half of all UK face to face transactions.
- Established 2012
- 70 employees
When it comes to choosing a machine for me its pretty straightforward. If you are a small business owner who needs one mobile chip and PIN machine your best bet is probably WorldPay Zinc. WorldPay is a trusted and long established payment processor. You might also want to consider WorldPay Zinc if you want to take payments over the phone.
If you’re looking for multiple machines operated under one account you’ll need Payleven. If you want to take payments abroad again you’ll need Payleven. Payleven also have a great looking contactless card reader in the pipeline.
For other options be sure to check out the other reviews. Also its worth noting that you can currently pick up a WorldPay machine at Curry’s for less than on the main WorldPay Zinc site so shop around!