Revolutionise Your Point of Sale With iZettle

Whether you run a small business or are self-employed, being able to take credit card as a form of payment is usually a necessity as any of us rarely carry cash anymore and prefer the level of security that using plastic brings.

iZettle is a mobile payment service that combines an iOS app and credit card reader into a complete Point of Sale system. Using iZettle, anyone can set up an iPad to take payments for any goods and services quickly and easily. Whilst this sounds like an almost perfect solution, can you really replace your checkout counter with an iPad?

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Overview

Over in the USA and Canada, Square has been offering their own card readers since 2009 but, despite its popularity, it has remained very much confined to just the one continent. iZettle has since started their own service in a number of European countries, as well as Mexico, to provide a way of taking credit card payments.

iZettle provides mobile payment solutions for iOS using their own app and card reader.

iZettle provides mobile payment solutions for iOS using their own app and card reader.

At time of writing, iZettle is available in the following locations:

  • United Kingdom
  • Denmark
  • Finland
  • Germany
  • Mexico
  • Norway
  • Spain
  • Sweden

If you’ve ever been to an Apple Store in the last few years, you’ll likely have noticed that most of the Apple Specialists are always carrying an iOS device wrapped in a card reader. These EasyPay devices revolutionised how the company takes payment and most stores have even done away with dedicated checkout desks completely. Instead of dragging a customer across your store to pay, you can simply stand with them and take payment, making their experience much easier.

iZettle doesn’t charge any recurring fees, instead taking a small percentage of each transaction. You can find out more at iZettle‘s Pricing page.

The Hardware

Depending on your region and availability, you can purchase either a Chip & Signature reader which includes the ability to swipe a credit card’s magnetic stripe, or a Bluetooth Chip & PIN card reader.

Unlike the Chip & PIN reader, the Chip & Signature reader needs to be connected via the headphone socket.

Unlike the Chip & PIN reader, the Chip & Signature reader needs to be connected via the headphone socket.

The card reader I tested was their newer Chip & Signature reader that includes both a mechanism to read the chip on a credit card as well as a way to read the magnetic stripe. The device plugs into the headphone socket of the iPad and is instantly detected by the software. The Chip & Signature reader, although light, is rather large so it isn’t too difficult to accidentally catch it when moving around.

iZettle‘s Chip & PIN card reader doesn’t connect via the headphone socket, instead it communicates wirelessly via Bluetooth to your iPad. Keeping the card reader from needing to be physically connected has the benefit of avoiding any accidental damage to your iPad if the card reader is snagged when moved. The Chip & PIN reader is rechargeable via Micro-USB whilst the Chip & Signature reader relies upon a single AAA battery. It uses far less power so will last longer but you’ll occasionally need to replace the battery.

iZettle's Chip & PIN reader makes using an iPad even easier and allows for your iPad the freedom to be fixed to a stand.

iZettle’s Chip & PIN reader makes using an iPad even easier and allows for your iPad the freedom to be fixed to a stand.

The cost of the Chip & Signature reader is £20 (around $31) whilst the Chip & PIN device is £99 (around $150). That’s certainly a big jump in price, but as the device is Bluetooth and includes an LCD display and keypad, it’s more expensive to manufacture.

No matter which card reader you’re considering, the cost is far cheaper than a dedicated card terminal from a bank. Most card terminal systems you see in stores cost around £20-£30 per month to rent in addition to any transaction fees and likely requires its own dedicated phone line — adding another £15-£20 per month.

But before you decide to buy the cheaper Chip & Signature reader, be aware that due to various banking restrictions, you’re limited to the total daily transaction amount when using the Chip & Signature reader. Additionally, Chip & PIN (where available) is much simpler to process. Visa payments, for example, are actually processed via a mixture of the app and your customer’s phone due to restrictions that Visa EU puts in place in order to ensure Chip & PIN is the preferred option due to its increased security.

The App

The iPad app is really well designed and even takes on is deliberately laid out to be as simple as possible. To the left is your Product Library and it is here where we add products we will sell regularly. On the right is what you could call the customer’s “shopping cart” — the things they’re going to buy.

iZettle has little in the way of visual clutter and keeps everything you'll need to access within easy reach.

iZettle has little in the way of visual clutter and keeps everything you’ll need to access within easy reach.

The Product Library

As the app is tied to your iZettle account, any products you add are automatically synced so if you use multiple iOS devices, they’ll all have the correct product library.

Adding products is all too easy, just tap the New Product button and start adding it. You can name your product, add variables such as size or colour and even take a photo or add one from your Photo Library.

Adding a new product is really easy and even adding variables such as size and colour is made simple.

Adding a new product is really easy and even adding variables such as size and colour is made simple.

The Product Library doesn’t have any form of stock or inventory management, which isn’t an issue for businesses like coffee shops. For retail environments, though, you’ll need to make sure you physically have the stock before you sell it.

Photos are perhaps the best part of the Product Library as not only do they help you easily find a product but they’re also included with the receipt the customer receives via email — adding a level of detail that you just don’t currently get from traditional checkout systems.

Shopping Cart

Tapping on a product will automatically add it to the Payments column on the right, though should your product have any variables (again, such as size or colour) then a pop-up menu will appear to prompt you for the one you’d like to add.

You can then add further products to the Payments area or alter the quantities of items already within this column. Be careful of the clear button, however, as the app doesn’t ask for confirmation when you press it. As the quantity buttons for the first item are perilously close to the clear button, I’ve accidentally cleared the list a few times.

The Payments column is basically a "shopping cart" where you add the products your customer will purchase.

The Payments column is basically a “shopping cart” where you add the products your customer will purchase.

For those working in thrift or antique stores, the product library may not be useful since many products will be one-offs. You can add manual items using the dedicated option near the running total at the bottom of the column and can even add product details and a photo.

Finally, discounts can be specified in either a percentage or a fixed amount.

Taking Payment

A large Charge button sits at the bottom, waiting to take payment. iZettle can not only take card payments from most major providers but it can also handle cash payments as well. For cash payments, it is expected you have a separate cash drawer and, whilst iZettle doesn’t charge you, the transaction will still be stored within your iZettle account.

iZettle presents a number of ways to take a card payment as well as the ability to process cash transactions.

iZettle presents a number of ways to take a card payment as well as the ability to process cash transactions.

Because iZettle requires a separate card reader, there may be times you have forgotten it. Although you’re charged a higher costs and there are strict limits on maximum transaction amounts, you can take a manual payment by entering the card details yourself.

Manual card payments can be processed for times where your reader isn't available (subject to higher costs and limitations).

Manual card payments can be processed for times where your reader isn’t available (subject to higher costs and limitations).

Since the jewel in iZettle‘s crown is the card reader, you simply connect it to your iPad (either via the headphone jack or Bluetooth) whilst using the app and when you hit the Charge button, you’re prompted to enter or swipe the card. Chip & PIN customers will receive a prompt to enter their PIN number whilst Chip & Signature customers will be asked to sign on the iPad’s screen.

After that, you simply email a receipt to the customer which, thanks to iOS’ location services, includes all the details of the product and a map preview showing the customer exactly where they were when they made their purchase.

Receipts provided to customers are informative and include sharing to Facebook.

Receipts provided to customers are informative and include sharing to Facebook.

Receipts can even be printed and you’re not stuck with using traditional card printers, either. You can use any AirPrint-compatible printer to provide a receipt to the customer.

Beyond Selling

Your transaction history is available from within the app’s Account options, with the option to search for transactions by different criteria as well as the ability to configure any dedicated receipt printers. Should you experience any problems, you can easily access the FAQ and contact support.

Conclusion

At the beginning of this review, I asked if you could you really replace your checkout counter with an iPad. The answer to that is a resounding “yes”. iZettle focuses on two main areas: ease of use and the customer experience.

Setting up the app and adding products is as easy as taking a picture and being able to quickly take most forms of payment from your iPad within seconds removes the need for a dedicated card terminal and even checkout desk. The app even includes native support for certain cash drawers and dedicated receipt printers so if you’d like to run an entire Point of Sale system from an iPad, you can.

Furthermore, the customer’s experience when using iZettle is fantastic. Email receipts mean customers never have to worry about keeping a receipt and the information they’re provided with is exceptional, with location info and product photo. Customers can even share their purchase on Facebook directly from the email which can be a great way to attract new business.

For any small business that is looking to take payments with an iOS device, or even replace their existing Point of Sale system, iZettle is a fantastic way to do this. It’s far cheaper than a dedicated card terminal and far more versatile.


Summary

A fantastic way for small business owners to take customer payments with an iPad, providing a far cheaper and more versatile option than dedicated checkout terminals. You'll need to keep track of your stock levels if you're selling physical goods as there's no option to add a inventory count.

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