50 replies [Last post]
Anon Inn's picture
Offline
Joined:
09/26/2011

Some very late arriving guests triggered the " I will now charge the card, and send the "We have charged your one night deposit, per the policy you agreed to at booking " response, only when I went to retrieve the card information in order to do the 'card not present' charge, I found I could not access the three digit security code the guest had entered into the online booking system.  With Square, that code is needed.  I contacted the online booking representative who told me I would not be able to retrieve that number as it is illegal for them to keep it.  This is not really a Square hitch, but an incompatibility with our online booking system, which is set up to use with Authorize dot net. 

I will have to find a way to work around this,  or phone each guest with an "In order to complete your reservation, may I have the three digit code from the back of the card you used to book?". 

I was loving Square, and loving my online booking company.  Now I have a potential problem.  I've only had to charge a no-show once, and the late arrivals did make it, so no harm this time, but I need that security.  Any ideas?

 

Proud Texan's picture
Offline
Joined:
05/30/2008

Anon Inn wrote:

Some very late arriving guests triggered the " I will now charge the card, and send the "We have charged your one night deposit, per the policy you agreed to at booking " response, only when I went to retrieve the card information in order to do the 'card not present' charge, I found I could not access the three digit security code the guest had entered into the online booking system.  With Square, that code is needed.  I contacted the online booking representative who told me I would not be able to retrieve that number as it is illegal for them to keep it.  This is not really a Square hitch, but an incompatibility with our online booking system, which is set up to use with Authorize dot net. 

I will have to find a way to work around this,  or phone each guest with an "In order to complete your reservation, may I have the three digit code from the back of the card you used to book?". 

I was loving Square, and loving my online booking company.  Now I have a potential problem.  I've only had to charge a no-show once, and the late arrivals did make it, so no harm this time, but I need that security.  Any ideas?

 Don't use Square.   ReservationKey stores the information, including the CVV, at least until the reservation has been completed and for a few days after in case you need to run additional charges.

If you're using Authorize.net,  then you can run the charge on their virtual terminal.  All that is required there is the zip code that is associated with the card's billing address.

 

Anon Inn's picture
Offline
Joined:
09/26/2011

At some point I will likely switch to ResKey, but my current company is giving me a deal that would be crazy to walk away from.  For now, I'm good.

Breakfast Diva's picture
Offline
Joined:
05/26/2009

I just started using Auth.net yesterday with ResKey. Got my first reservation and was great to not have to hassle with inputting the cc info. I also chose to use the CIM which allows me to just click a button and charge the balance when I'm ready.

Arks's picture
Offline
Joined:
05/22/2010

Breakfast Diva wrote:

I just started using Auth.net yesterday with ResKey. Got my first reservation and was great to not have to hassle with inputting the cc info. I also chose to use the CIM which allows me to just click a button and charge the balance when I'm ready.

Yep, it's great. Not cheap by any means, but a worthwhile expenditure for the business.

__________________

All saints can do miracles, but few of them can keep hotel. ~ Mark Twain

 

Hillbilly's picture
Offline
Joined:
10/22/2011

It's cheaper than using square. They also have an app you can use to swipe cards on a smart phone just like square if you like that! It's free to use. I have been using them for almost a year. It works great. Most credit cards charge well below 2% to the consumer. People think its a lot more. A few rewards cards charge above 3%. This is where people think they are saving with square. When you put them all together it's below 2%. This is how square makes there money. If your an innkeeper and run more than $7000 a month on avg, you should not be using square. Unless someone is using a rewards card.

__________________

Hillbilly

 

Arks's picture
Offline
Joined:
05/22/2010

Bob wrote:

They also have an app you can use to swipe cards on a smart phone just like square if you like that! It's free to use.

Bob, can you tell me where to find this? I've looked all over the auth.net website and can't find any mention of it. I know it must be there somewhere!

Hillbilly's picture
Offline
Joined:
10/22/2011

Oh sorry! It's a free App you can download if you have an iPad or iPhone! Just go to the App store.

gillumhouse's picture
Offline
Joined:
05/22/2008

If your an innkeeper and run more than $7000 a month on avg, you should not be using square. Unless someone is using a rewards card.

Bob, Almost every credit card I get is a rewards card. Probably the only ones that are not are Amex and that had higher fees than anyone, which is why I did not take them. I do now....

 

OnTheShore's picture
Offline
Joined:
08/28/2011

Does anyone offer a stylus to sign with, rather than a finger tip? Guests might find that easier to use.

__________________

"where even time relaxes...."

 

gillumhouse's picture
Offline
Joined:
05/22/2008

Harborfields wrote:

Does anyone offer a stylus to sign with, rather than a finger tip? Guests might find that easier to use.

I went to good ol' Am a zon and got a pkg of 3 styli (is that the plural?) for $2.51 total (1 cent for the item and 2.50 shipping). Came in less than a week. Guest used one this morning - worked like a charm.

Anon Inn's picture
Offline
Joined:
09/26/2011

We provide a stylus.  Works well.

Arks's picture
Offline
Joined:
05/22/2010

Harborfields wrote:

Does anyone offer a stylus to sign with, rather than a finger tip? Guests might find that easier to use.

Most Palm-style styli don't work with the iPhone since the capacitive screen reacts, not to being pressed, but to the conductivity of skin. That's why the screen doesn't like fingernails. Nails don't conduct electricity.

But there are some styli that do work with iPhone. You just have to get the right kind.

http://lifehacker.com/5277112/make-a-diy-iphone-stylus-for-precision-greasy-fingers

Offline
Joined:
10/07/2008

Harborfields wrote:

Does anyone offer a stylus to sign with, rather than a finger tip? Guests might find that easier to use.

I use an ipad so it is a larger screen than an iphone or android. I hand it to them and say "Finger paint your signature here" and most try to get right on the line, but the ENTIRE BOX is the area to sign. I might use a stylus if I had to use a phone, DH uses square on his phone if I am not here.

I ask if they want a credit card recpt, if they do I let them enter their email address while they have it in their hand still.

__________________

Gluten free is never free. - Joey Bloggs

 

Offline
Joined:
08/07/2008

I have figured out the problem with signing the screen.  Guests were trying to sign and nothing was showing up and it is because the screen does not like fingernails.  Even if the fingernails are short.  The guest needs to not use the tip of the finger but the flat part right under the tip.  It just needs to be angled right and it always works.

I don't sent the receipts right away unless they want it text messaged to them.  I usually have their email on file from the reservation so after they check in I go back and put the email address in and send it.  Trying to type in the email address correctly while they are standing there was hard and I didn't want to make an error so I just do it later.  You can also just go into the main square website and pull up the charge and enter their email address there.

Offline
Joined:
06/24/2008

Received my Square reader late last week and have now used it for 2 transactions.  First one was done on Sat, without any issues and the money was in my account first thing Monday am.  I told the couple (elderly) bare with me this is new, she looked and said 'oh, that is Square isn't it!'  She had seen the ads on TV!

The second one done yesterday morning with a German couple.  A couple of hick-ups.  Swipe took 3 attempts, I guess I held my mouth wrong with the first 2 attempts.  Then the guy had trouble signing with his finger, nothing but one loop appeared and he attempted to redo but nothing worked.  Then he had several errors before his email address was in correctly.  He blamed it on his large fingers, which he had, but since this is on my phone it did not help matters.  A tablet would be nicer - now added to my wish list.

For the time being I am keeping my traditional merchant account as well.  Since I take deposits with card not present, the fact that Square may retain some of that $ for a month has me questioning going fully with it.  I do understand their reasoning as they issue these readers to any Joe wanting one and keyed in sales are red flags. 

Offline
Joined:
05/30/2008

Before you invest a bunch of money in a tablet, got to a store like Bes t Bu y and buy a stylus for your smartphone.  Might work better for you....

__________________

People don't notice whether it's winter or summer when they're happy.
~ Anton Chekhov

 

Offline
Joined:
06/24/2008

Picked one up at wallyw orld for $14 bucks.  Got home and tested it with the next guest.  Still not perfect but I think it is much easier than signing with finger. 

Now off to ama zon to buy some more for a price that is not outrageous!

gillumhouse's picture
Offline
Joined:
05/22/2008

I just ordered some on Am a zon for $2.51 for a 3 pack. Will let you know how they work when they get here.

Offline
Joined:
06/24/2008

Samster wrote:

Before you invest a bunch of money in a tablet, got to a store like Bes t Bu y and buy a stylus for your smartphone.  Might work better for you....

I'll try this.  I thought they would not work with the phones, thought the phone needed a heat touch  of a finger. 

Offline
Joined:
10/07/2008

copperhead wrote:

Samster wrote:

Before you invest a bunch of money in a tablet, got to a store like Bes t Bu y and buy a stylus for your smartphone.  Might work better for you....

I'll try this.  I thought they would not work with the phones, thought the phone needed a heat touch  of a finger. 

You mean sign with your fingerprint? Yeah that's coming... devil

Offline
Joined:
06/24/2008

Nope, but you are right it may be next. 

Offline
Joined:
08/04/2008

Samster wrote:

Before you invest a bunch of money in a tablet, got to a store like Bes t Bu y and buy a stylus for your smartphone.  Might work better for you....

Got three gel styluses (styli?) for 87 cents from Amazondotcom.

Offline
Joined:
10/07/2008

copperhead wrote:

  Since I take deposits with card not present, the fact that Square may retain some of that $ for a month has me questioning going fully with it. 

What money for a month? Square doesn't retain money, it is a processor and it is in your account within 48 hours.

Offline
Joined:
06/24/2008

Joey Bloggs wrote:

copperhead wrote:

  Since I take deposits with card not present, the fact that Square may retain some of that $ for a month has me questioning going fully with it. 

What money for a month? Square doesn't retain money, it is a processor and it is in your account within 48 hours.

The following is copied from Square website once you are signed in.  I did miss read it and there is a limit of ~ $2000 for each 7 day period (not each 30 day period as I thought) and you can ask for an limit increase if need be.  But if you do go over the limit, it is held for 30 days!  I don't think this will be much of an issue for me after all as I would rarely get over this in a given week (crying)

From the website:  (under the Deposit tab, right colum, then hit learn more under the How much money will Square deposit? section:

When businesses accept payments by swiping cards with the Square card reader, we deposit all funds to your linked bank account each evening, except for Saturdays. Learn more about specific deposit times.

For manually-entered payments (payments for which the card is not swiped), there is a $2,002 weekly deposit limit. This limit does not affect the amount you can accept by manually-entering transactions and does not apply to swiped payments. To request an increase to your payout amount, please begin the application process here.

Manual entry (card not present) 

How much will Square deposit for businesses?

$2,002 deposit limit*
(During any trailing 7 day period) 

Deposit initiated within

36 hours (first $2,002)
30 days (remainder of payment deferred)
 

* You can accept more than $2,002 in manually-entered payments during any trailing seven day period, though Square will defer depositing the amount in excess of $2,002 for 30 days. To request an increase to your payout amount, please begin the application process here.

* This limit does not apply to swiped payments.

Note: Your $2,002 limit for manually-entered transactions is cumulative across any mobile staff accounts you have associated with your Square account.

If you foresee yourself or your staff primarily processing manually-entered transactions, please begin the application process here.

Please note that if you are subscribed to Square monthly pricing, your subscription applies to swiped transactions less than or equal to $400 and $250,000 annually. If you swipe a transaction larger than $400 or above the annualized limit, you will be charged the 2.75% fee. Also, manually-entered transactions are still charged a 3.5% + 15¢ fee per transaction with Square monthly.

gillumhouse's picture
Offline
Joined:
05/22/2008

Thursday morning's guest had a problem with signing the screen - but none of the others have. Any ideas anyone? I key in the e-mail addresses they give me so I get that right OK.

Offline
Joined:
05/30/2008

The October 2012 issue of PC World reviews and ranks the 4 top mobile payment systems. 

Offline
Joined:
06/24/2008

Samster wrote:

The October 2012 issue of PC World reviews and ranks the 4 top mobile payment systems. 

Could not find the 10/12 article online but this one was done in May 2012 and updated in July. 

gillumhouse's picture
Offline
Joined:
05/22/2008

How did they rank Square? Or did they?

Offline
Joined:
05/22/2008

I looked all around and could not find the article: Maybe you can:

http://www.pcworld.com/  

Offline
Joined:
05/30/2008

It's not online yet...you have to get the actual print magazine.  Whowoodathunkit?  smiley

Hillbilly's picture
Offline
Joined:
10/22/2011

For all the extra work you are having to do to use square is it worth it? You like taking the time to call and ask for the 3 digit code for every reservation? My time is so short I would pay an extra $100 bucks a month to not deal with it! I love the fact that when someone makes a reservation, it charges the card automatically! Square is good for having a garage sale! But all the extra work you are doing is it worth it?

gillumhouse's picture
Offline
Joined:
05/22/2008

I do not DO any extra work. I am extremely happy with the ease of use, did not have to tell a guest I do not take Amex, and the speed of it hitting my checking account - all wonderful!! I have so few no-shows that if it becomes a problem, I will skip the little numbers.

Offline
Joined:
10/07/2008

Bob wrote:
For all the extra work you are having to do to use square is it worth it? You like taking the time to call and ask for the 3 digit code for every reservation? My time is so short I would pay an extra $100 bucks a month to not deal with it! I love the fact that when someone makes a reservation, it charges the card automatically! Square is good for having a garage sale! But all the extra work you are doing is it worth it?

Don't blame square, it is the reservation prgrm they are using. I get the v-code on mine.  I have to admit swiping an intl card with no additional fees made me do the happy dance.

Anon Inn's picture
Offline
Joined:
09/26/2011

I will put up with having to make that extra call until switching to a new reservation program or until I find another work aroundsmiley  Our fees and such put our overall charges in the five percent range.  And I hated the surprise-what-the-heck-is-that-fee.  When the last mystery and ridiculous fee was $99, that was enough.  "Oh, we'll waive that fee for a year to keep your business".  Thanks for waiver.  It gave me time to find a better and more predictable way to take the plastic.

Hillbilly's picture
Offline
Joined:
10/22/2011

I understand the concept and from the outside it looks like a great deal! I almost feel for it! I took all of my charges cc, aut.net and so on. I totaled them all up and found I was paying less than 2% for the month! Am I missing the boat here? I don't understand where the savings is with Square! I would be losing .5% more by going with Square!

gillumhouse's picture
Offline
Joined:
05/22/2008

Bob, Last month I had NO transactions with the cc processor - everyone paid with cash, check, and 3 charged with me using Square. I waited to cancel so they could take any fees still owed because I could not remember If I had used the machine. On zero transactions, I was charged $22.90. Considering the fact there are several months in the year that I may HAVE no charges (either no reservations or they pay in cash - love those horse people). that is a heck of a lot more than 2.75%. I prefer to pay only for services rendered.

Winter in my location is dead. I am too far from the ski areas, do not get enough snow usually for cross-country skiing, it is to cold for walking on the rail-trail but not cold enough for brisk activity (making you too hot in your coat), and the attractions that would draw people in are closed. It is Legislative Session Season and I am making trips to the Capital so it is just as well that it is so slow to dead.

Hillbilly's picture
Offline
Joined:
10/22/2011

I gotcha! That makes sense! I never thought about seasonal properties! Probably will save you some money!

Offline
Joined:
10/07/2008

Bob wrote:
I understand the concept and from the outside it looks like a great deal! I almost feel for it! I took all of my charges cc, aut.net and so on. I totaled them all up and found I was paying less than 2% for the month! Am I missing the boat here? I don't understand where the savings is with Square! I would be losing .5% more by going with Square!

Then don't switch, most of us are not using auth.net

It takes a lot to change processing methods, and getting fed up seems to be the one way to get our rear in gear!

We are all diff, not everyone has high occupancy, or more than 3 rooms, so for some this is the better way to go on this. Each innkeeper needs to assess their needs and requirements.

Offline
Joined:
10/18/2008

Just a reminder that the new cc regulations do not permit the "notation" of the CID code in any form unless it is encrypted so please be careful about making statements that you note it on the res forms because you can get fined major buckeroos by VI\MC etc. The problem with Square is the same as when online cc processing was introduced... They are not designed for hospitality where we have unique needs like advance processing, card not present, no shows etc. They are designed for retail operation. One day, if there is enough demand, ...or if they land  contract with a major hospitality or similar operation (car rental, airlines tc) you will see them starting to take into account all our specific needs.

Offline
Joined:
08/18/2011

Yep.  The reason these security codes were introduced is to have a way to verify that someone has the card in their possession.  They are not allowed to be stored, period (not even encrypted).  If they were stored it would defeat the purpose of the code. 

They are an added layer of protection in case a database with credit card info is compromised.  It is more difficult to use stolen credit card numbers without having the code.

Offline
Joined:
10/18/2008

SJI yes, as long as the systems are CCI compliant and the 3 digit code is encrypted the CID code is being stored... WE may not be able to read it / see it / retrieve it but the same way you can log in to authorize.net and get the info, there are companies that can read / pull / see the info

they put on these restrictions and regulations but they forget we are trying to run businesses that may not fit in with how they modeled these regs and may not be workable for non standard / other than retail ops

 

Offline
Joined:
08/07/2008

agoodman wrote:

Just a reminder that the new cc regulations do not permit the "notation" of the CID code in any form unless it is encrypted .

I wouldn't put it in the notes but there is an area in the credit card field for the code and then it goes hidden unless I click on the card information.  If it is illegal then the reservation system company should just not allow it.  Maybe someday they will have to change it.

Offline
Joined:
08/07/2008

I had the same thing happen when using Square.  Guest was a no show so I went to charge the card and didn't have the 3 digit code. I am using Superinn to take my reservations so I am now asking for the code on the phone and on the online reservation form so this doesn't happen again.  I'm also having a lot of problems with that darn plug in swiper.  I have to stand there and swipe the card sometimes 5 times before it takes the number.  Just a poor design in my opinion and I have two plug in swipers and they both do the same thing.

Arks's picture
Offline
Joined:
05/22/2010

Do you have the Authorize.net CIM (Customer Information Manager)? If you do, it saves all their info so you can just log on to your Authorize.net account, click to use the "virtual terminal" and charge their card directly through Authorize.net. No Square needed.

Anon Inn's picture
Offline
Joined:
09/26/2011

No, we don't use Authorize net.  Too pricey.  Our online booking system is made to be compatible with them.  we don't use that, or many of their more advanced features.  When I come up with an acceptable work-around, I'll post.

gillumhouse's picture
Offline
Joined:
05/22/2008

Thank you to whomever made the first post about the 3 digit. I now ask for it as a just in case. I did not used to. Thanks to this Forum, I am able to "cover my bases".

Anon Inn's picture
Offline
Joined:
09/26/2011

Do you ask via phone conversation? 

gillumhouse's picture
Offline
Joined:
05/22/2008

Anon Inn wrote:

Do you ask via phone conversation? 

Yes. I do not like entering my cc# online so I have my RezKey set up for no cc#. I call for cc# and get dietary info that they do not bother to enter on the online form. It also gives me a chance to find out if they are coming for something special or where they are coming from (sometimes we are the homeward bound) so I can give directions.

The response they get with the reservation is they will be called within 24 hours for the cc#. So far, it is working well for me. After they leave, I cut the number off the bottom of the rez card and put it in the shredder.

Re the swiping of the card, it so far usually takes me 2 tries. I am getting better at it. Just have to hold the card straight and swipe quickly.

Adding to anon - I put the 3 digits in a different place so they are not tied to the card except by me.

Anon Inn's picture
Offline
Joined:
09/26/2011

Thanks.  I'll change our automatic confirmation letter to include 'a follow-up call will be made', or something to that effect. 

I used to have to swipe several times for the card to 'take', but recently I've been doing it in one.smiley If there's a hesitation after the swipe, an 'authorizing' will soon follow.

Madeleine's picture
Offline
Joined:
09/29/2011

Interesting. This would make it impossible to do a deposit using Square because my rez system is not even set up to ask for the security code.

__________________

Everyday, for good or ill, we intersect with some else's story and become a part of it.

 

Comment viewing options

Select your preferred way to display the comments and click "Save settings" to activate your changes.