Which credit card reader is best for your craft business? (2024)

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If you plan on selling your handmade items, you’ll need to be able to accept payments. When selling through an online marketplace (like Etsy or Artfire), the marketplace collects the payment from the customer on your behalf. The marketplace then takes a portion of the sale (their processing fees) and deposits the rest into your account. But, if you are selling in person, you’ll need a method of collecting payments.

How to Collect Payments in Person

1) Cash or checks. Cash or checks are the easiest way to collect funds from local customers. Remember to allow checks to clear before giving the customer their item.

2) Credit card readers. There are a number of small business credit card readers available. The credit card readers use your smartphone or tablet and process the customer payment on your behalf. The company then takes a portion of the sale for processing the payment and deposits the remaining funds into your account. The needs of each small business vary, so compare your options to figure out which reader suits your small business best. For example, if you primarily take orders over the phone, make sure you choose a credit card reader with lower fees for keyed in transactions. To help you decide which will work best for your needs, I’ve summarized some main points about each in thechart below. Links to each credit card reader can be found at the end of the article.

Information below updated 4/11/16.

ReaderCostFeesDeposit AvailabilityOther Notes
SquareFree. Order online. $10 in office or electronic stores that is credited back to your account after use.Swiped: 2.75%, Keyed in: 3.5% + $0.151 business day, includes all business processed before 8pm ET the preceding day.Additional features likes a register app, Square store, and more available. Email only customer service.
PayAnywhereFree. Order online. $15 in office or electronic stores that can be credited back to your account after use.Swiped: 2.69%, Keyed: 3.49% + $0.191 business day, includes all business processed before 5pm ET the preceding day.Storefronts available for larger vendors. Rates for storefronts from 1.69% (and up) per swipe.
Quickbooks
GoPayment by Intuit
Free. Order online.Two plans available. 1) $0 monthly, Swiped: 2.40% + $0.25, Keyed in: 3.40% + $0.25 2) $19.95 monthly, Swiped: 1.75% + $0.25, Keyed in: 3.15% + $0.252-3 business daysAutomatically imports information into Quickbooks for easy accounting.
Etsy Card ReaderFree. Order online.Swiped: 2.75%, Keyed in: 3% + $0.25Money goes to your Etsy shop account and is deposited each Monday. Earlier deposits are available.No Etsy transaction fees from items listed in your shop and paid via the card reader. No listing fees for items sold via the Quick Listing (not listed in your Etsy shop).
Paypal Here by PaypalFree. Order online.Swiped: 2.7%, Keyed in: 3.5% + $0.15Money goes to your Paypal account for you to transfer to your bank when ready. Money is instantly available with the Paypal debit card.Can also accept payment from your customer’s Paypal account.
Amazon Local Register

No longer accepting customers.

$10, but receive a credit for transaction fees once you use reader. Order online.Swiped: 2.5%, Keyed in: 2.75%Capable of next business day deposits, just need to set it up.Amazon states that they have stabilized the card reader to make swiping easier. Card reader is larger than other brands.
FlintNo reader needed. App is free from Google Play or App Store.Processes through Stripe. 2.9% + $0.30.Within 2 business days.Simply take a photo of the card and it is securely processed. Image is not stored on your device. Optional integration with Quickbooks. Mixed reviews online.

Update 10/26/15: The USA has recently switched to EMV credit card readers. Learn more about them in this post.

Always Collect Payment First

A quick (but important) note for newer sellers: Always collect payment before you begin working on any item for any customer. No seller ever wants to put the supplies and time into an item, especially a custom item that you might not be able to resell, and then have the customer not follow through with the sale.

Having customers pay in person is great for fairs and local sales, but what if you need to collect payment for items that you aren’t selling through an online marketplace, and the customer is not local? Online invoicing is a great way to easily do so. Read on to part two of this article, which covers online invoicing.

But first, save this post to Pinterest:

Which credit card reader is best for your craft business? (1)

Links to credit card reader websites

Square
PayAnywhere
Quickbooks GoPayment by Intuit
Etsy Card Reader
Paypal Here
Flint

Which credit card reader is best for your craft business? (2)

Christine Schinagl, Cutting for Business

Since 2015, Christine Schinagl has been helping crafters start and run craft businesses through her blog, Cutting for Business. As a Silhouette and Cricut crafter herself, she has a unique take on what works and what doesn’t work in the craft business world. She also teaches a course on creating digital SVG designs, available at How to Design SVGs.

cuttingforbusiness.com

Which credit card reader is best for your craft business? (2024)

FAQs

What is the best credit card reader for craft fairs? ›

Square, our pick for top overall credit card reader, is the easiest credit card reader for craft shows. If you don't want to spend any money upfront, use the free magstripe reader and collect your payments. You can set up an online store with the free POS.

What is the best way to accept payment at a craft fair? ›

Merchants need a certain level of mobility to process payments efficiently at craft shows, so the ideal options are those that are wireless—battery-powered credit card terminals with Wi-Fi, Bluetooth connection, and offline payment features.

What is the best card reader for small business? ›

The 7 best card readers for small businesses
  • Shopify POS: Best for a unified retail experience.
  • Square: Best for basic functionality.
  • Clover Flex: Best for tableside transactions.
  • PayPal Zettle: Best for no contracts.
  • Toast: Best for restaurant transactions.
  • Stripe Terminal: Best for Stripe online users.
May 8, 2024

Is Square good for craft shows? ›

And the best thing known to craft fairs is Square payments. If you don't currently use it, you should, it totally makes credit card payments a jiffy and allows for email receipts for cash payments if you so choose! Here's a little step-by-step guide I created.

How can I take credit cards at a craft fair? ›

Types of Card Readers You Can Use at a Craft Fair

There are mobile GPRS and PIN terminals that look a lot like the ones you see in stores and restaurants. But those terminals connect to the network through a landline or WiFi. So you would need a terminal that connects to a mobile phone network.

Does Etsy have a card reader? ›

If you have an Etsy business and sell in-person through craft shows, holiday shows or other in-person events, this Sell on Etsy Reader and App is a great way to manage your Etsy inventory while still having the option to accept cash, credit, and debit cards at those events.

Can I use Venmo for craft fairs? ›

Business profiles allow Venmo users to accept payments for the sale of goods and services from customers on Venmo. Whether you're selling homemade planters at a craft fair, serving up one-of-a-kind haircuts, or mowing lawns, a business profile makes it easy for your customers to find and pay you on Venmo.

How much money should I have for a craft fair? ›

Many people pay with cash, so come prepared to make lots and lots of change. Depending on the anticipated size of the crowd, $200 should probably be sufficient to start with. Be sure to have coins with your startup cash, even if your products are priced evenly on the dollar ($6, $22, $35, whatever).

How much cash should I bring to a craft fair as a vendor? ›

Good Ole' Cash

Depending on the size of the anticipated crowd, you should have about $200 in your box to get started. Make sure you have coins and lots of lower denominations to give change to your customers. Remember, sales tax needs to be added to your total price. That's why you need to be sure to bring coins!

What credit score is needed for the Carnival Mastercard? ›

The Carnival Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Carnival Credit Card.

What brand of card readers is the best? ›

The best memory card readers in 2024
  1. SanDisk ImageMate Pro Multi-Card Reader. ...
  2. ProGrade Digital CFexpress Type B & SD Reader. ...
  3. Kingston Workflow Station Dock. ...
  4. Kingston Nucleum USB Type C Hub. ...
  5. Anker USB 3.0 Card Reader. ...
  6. SanDisk Extreme Pro CFexpress Card Reader. ...
  7. Sony MRW-G2 CFexpress Type A / SD Card Reader.
Apr 7, 2024

Can I use Venmo at a craft fair? ›

Business profiles allow Venmo users to accept payments for the sale of goods and services from customers on Venmo. Whether you're selling homemade planters at a craft fair, serving up one-of-a-kind haircuts, or mowing lawns, a business profile makes it easy for your customers to find and pay you on Venmo.

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