Customers in Vancouver pay in more ways than ever. They tap a card or a phone at the counter, check out on a website, or pay an invoice from an email. Each payment channel needs something different from your setup, and the more channels you run, the more it matters that they all reach your books the same way.
At the counter
Interac debit is one of the most common ways Canadians pay in person, inserted with a PIN or tapped. Credit cards and phone wallets are usually tapped. Each card has a tap limit set by the bank that issued it. Above that limit the terminal asks for the card to be inserted, so keep chip and PIN working and make sure your staff know the steps.
Online
A hosted checkout page or embedded payment fields keep card details with the payment provider instead of on your own server, which reduces your PCI compliance scope. Before building, decide who owns the checkout page, who holds the account credentials and what happens when a payment result arrives late.
By invoice or payment link
Service businesses, trades and wholesalers often get paid by invoice. An invoice or a text message with a payment link lets the customer pay right away instead of mailing a cheque, and each payment can be matched to its invoice.
Keep one picture of the money
- Decide where payments are reconciled: in your accounting software or in your provider's reports.
- Make sure fees, refunds and chargebacks are visible, not hidden inside the deposit total.
- Name the person who checks the totals each day or each week.
Plan each channel with OmniPay
OmniPay compares counter, online and invoice payments: the customer experience, the connected systems, the provider setup and the reconciliation behind each one. See how each payment channel works, or tell us how you take payments today. You can also call 1 (855) 757-6604.