Three of the most popular machines in the sphere of mobile chip and PIN are WorldPay Zinc, iZettle and Payleven. Here the three go head to head. Which is the best for your business?
What do these solutions all offer?
- No contract
- Mobile chip and PIN machine that works with your phone or tablet
And here’s a handy table with the main differences:
 |  |  |
|
|---|---|---|---|
| Sign Up | Sign Up | Sign Up | |
| Card reader price | £69.99 inc VAT with code FR535817 | £39 inc VAT (through link on this website) | £39.99 + VAT with code CHIPIN13 |
| Transaction limit | £5K | £5K business/ £1,500 individual | £10K business/ £500 individual |
| Payments over the phone | Yes | No | No (coming soon) |
| Cards accepted | Visa, Mastercard, Maestro | MasterCard, Visa, American Express, Diners Club, JCB | Visa, Mastercard, Maestro, American Express |
| Receipts | SMS or bluetooth printer | Email or portable/ desktop 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 £2K) | 2.75% per transaction (decreases after £2.5K) |
| Multiple machines per account | No | No | Yes |
| Use abroad | No | Possible (ask iZettle) | Yes (if you notify Payleven) |
| Refunds | 75p | Free | Free |
| Payments | 4 days | 3 days | 4-7 days |
Lets delve a little deeper…
Card Machines
There is little to choose from between the machines. All the machines are manufactured by Muira Ststems, they use wifi, 3G or 4G. The Worldpay Zinc machine is a different model and all 3 have different software. It’s not a deal breaker. However, Payleven are set to release a contactless machine soon. Watch this space as a contactless reader will make for more seamless and quicker transactions.
Company Profiles
Payleven were the first to market with a mobile chip and PIN reader for the UK. Like iZettle they are a relatively recent startup. By contrast Worldpay are one of the foremost payment processors globally.
WorldPay
- Est 1989
- Operate in 40+ countries
iZettle
- Est 2010
- HQ in Stockholm
Payleven
- Est 2012
- 70 employees
App
You should pay attention to the differences in the apps. With the iZettle App you can pre save items. In the Payleven iOS app items are saved once they have been paid for once. Pre saving items is not possible with WorldPay Zinc and you have to input info each time. With a database of items saved it is easier to process orders, itemise receipts and make refunds so if those are important you should favour iZettle.
Worldpay
- iOS and Android
- Simple app, input payment value and description
- Receipts, refunds, cash payments.
iZettle
- Android and iOS
- Store where you can save products
- refunds done from the app.
Payleven
- iOS and Android versions
- Access your account from the app including printer settings
- Searchable sales history
- manage staff lists
Account
The best account is WorldPay Zinc for the simple reason you can take payments over the phone and input the details into the account. All offer access to statistics, reports etc. Because the iZettle app is superior you have more info available.
WorldPay Zinc
- 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.
iZettle
- Access in depth statistics
Payleven
- Access and download reports
- Change bank details and company info
- Order additional hardware.
Summary
These three popular payment processors all offer solutions which are broadly similar. However, there are key points of difference. If you want to keep a close track of your stock, itemised receipts and less hassle with refunds iZettle offer the best solution. WorldPay Zinc allows you to take payments over the phone so if that’s important WorldPay are your best bet. The exciting possibility with Payleven is the prospect of the first contactless mobile chip and PIN reader. They also offer the most comprehensive customer service and multi accounts. I have reviewed each of these machines and apps individually, for more info follow the links below. If you have any questions please don’t hesitate to contact me.
WorldPay Zinc vs iZettle vs Payleven is a post from: Chip And PIN Machines
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