FAQs for SumUp
The terminal that you will be provided with needs to be connected by Bluetooth to a mobile phone (iPhone or Android) or tablet (iPad or Android). You’ll need to download an app to run the terminal. The card reader can connect to several people’s phones but only one at a time, so you can set up a rota for its use.
Yes. The terminal won’t work unless it can connect to the internet when the payment is
being processed.
A small percentage is taken from each payment. Please note that the rates have been specially negotiated for Parish Buying members. The table below shows a detailed breakdown.
No. Under the second Payment Services Directive it has been illegal since 13 January 2018 to pass the fee on to people using cards to pay.
Yes.
With SumUp please follow this link which will take you to a SumUp dashboard. Once logged in you will be redirected to the SumUp shop and able to order additional readers at £19+VAT.
With iZettle please follow this link, and once logged in please select settings - order card reader. You can purchase a second reader at £29+VAT (please note, the reduced price is limited to one additional reader only).
Gift Aid
Click here to watch a short video which explains how to claim Gift Aid on a card donation.
You will need to collect a Gift Aid declaration for donations not included in GASDS (Gift Aid Small Donations Scheme) much in the same way as when you receive a cash donation. You should then claim on the total amount given under Chip and Pin or for contactless payments which do not qualify for the small donation scheme. You don’t need to deduct the processing fee.
A simple way of getting a Gift Aid declaration is to use a one-off Gift Aid envelope and simply write “By Card” on the top, and then enter it into your declaration as usual, or use a single Gift Declaration. Click to open a Gift Declaration template.
Contactless donations of £20 or less can be included in your Gift Aid Small Donations Scheme (GASDS) allowance of £8,000 a year.
The card readers offer reporting. Reporting from the cards gives you more information if you set up “products” for sale, such as £5 donation or Banns Fee £13 or Room Hire £25.
These descriptions and amounts will feature in reports to the treasurer, who can then account for them easily and correctly, including claiming Gift Aid where appropriate. There are other capabilities to arrange these by ‘product line’ too.
Some other practicalities
This is for when you want to take payment for hall-hire, or a wedding, or concert tickets when the person paying is not present.
We suggest that best practice is to use the SMS (text) or email facility on the reader to charge people. The payer then clicks on the link they receive and makes a card payment online. If you use the VTT facility (a “virtual terminal” form on the internet) available from SumUp for payment over the phone, you should consider very carefully the security of the information you are custodian of.
Any lack of care (for instance, if you make a quick note of someone’s credit card details on paper) brings greater risk of fraud and theft. You should key in other people’s card numbers while they are on the phone.
The funds received will be paid to your bank account. It depends a little on the card-reader company and the card type, but you should get cleared funds to your bank account 3-5 working days after the transaction.
Yes, but not at the same time.
One person has to open and manage the account, and acts as administrator, but they can then create other users. The lead administrator should be the only person that has the ability to change the bank account to which funds are sent. If more than one person has the app downloaded onto their phone or iPad it is perfectly possibly to arrange a church rota to accept payments.
Yes, and it is good practice. Receipts can generally be issued as a text-message or by email, or the device can be connected to a special printer.
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Need these FAQs for your PCC?Download and print the PDF document which includes the full set of FAQs along with helpful hints on using the card readers. |
