Are you having doubts about accepting payments with your cell phone or a bank terminal? Here you will find the differences between the Clip terminal and other traditional terminals, to help you see which is the best choice for your business.
Resource use
Clip
Bank terminals
The battery can be charged from the Micro USB port by plugging the device into the mains power supply in all models.
Certain models are charged by plugging them into the mains power supply for a couple of hours, while others require permanent connection.
Plus, Plus 2 and Pro models are not able to print receipts. E-vouches can be sent by message or email to minimize waste.
Paper rolls are used and two receipts are printed for each transaction: one for the customer and one for the business. Usually, these rolls have an extra cost.
What are you allowed to do?
Clip
Bank terminals
To accept credit cards, debit cards, vouchers and points from Visa, Mastercard and American Express.
Fixed terminals need to be connected to a telephone line.
To receive payments from any location and from any bank, allowing for continuous transactions or home deliveries.
Payments are received at a fixed location.
Suitable for small businesses, business owners with a small storefront, and businesses with large operations or multiple stores.
They are adapted to medium and large businesses or companies, as well as chain stores.
Offer interest-free months with more than 18 banks and commercial partners.
They offer interest-free months at selected banks.
Commissions
Clip
Bank terminals
Clip has a fixed commission of 3.6% per transaction plus VAT for cash sales.
The average commission is 2.37% according to Banxico data.
For interest-free monthly payments, the commissions are as follows: 3 MSI: 4.5% + VAT 6 MSI: 7.5% + VAT 9 MSI: 9.9% + VAT 12 MSI: 11.95% + VAT
Average is 2.8%, but all commissions are sensitive depending on the business type.
No monthly payments.
Some banks charge monthly contracting costs and rents.
No penalties or fines.
Some banks may penalize you for not having a minimum amount in your account.
No minimum billing amounts required.
Most banks require a minimum monthly billing or you could be penalized.
Consult your movements at any time.
Often transactions are sent in account statement every few months.
No annual fee or extra payment, you just buy your terminal and that is all.
Certain terminal packages charge an annuity that can be as high as 3 thousand pesos.
Procedures
Clip
Bank terminals
Please, purchase the terminal that best suits your needs and open an account in the app or in clip.mx, you only need these data:
The hiring process varies in each bank but all ask at least the following:
E-mail address
Password
Last Name
Cell phone number
Business name
Category and rating
Copy of the official ID
Copy of proof of address where the equipment is to be installed.
Copy of registration with the tax authorities
Copy of the tax ID
Signed affiliation contract
Copy of bank account statement that is at least 6 months old
Active business account
Sales report
Clip
Bank terminals
You can log in to clip.mx and review all your sales from the control panel.
Online banking system access to the contracted bank.
You receive a monthly report of all the transactions made. Including the ones made for purchases, recharges or remote payments.
Receive account statement reports where you can consult the sales made in your business.
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