9 questions and answers on the theme

Whatever the size of the company, granting payment flexibility to customers is always a great differential. In this context, the cardboard It takes on an important role, and can be one of the biggest allies of a business.

This equipment is nothing more than a device by which the entrepreneur receives his sales. And you don’t have to have a company consisting to work with this equipment. This is because individuals who provide services can also use the machine to facilitate their receipts, as we will see later.

If you have a company or have a self -employed professional and are looking for information on how to receive your installment and safe sales, continue reading and check out 9 more frequent questions and answers on the topic that Infomoney has separated in this guide!

1 – How does the card machine work?

The operation of the card machines is quite simple and intuitive.

To pay a purchase, the customer approaches or inserts your credit or debit card into the equipment. The device reads the payment method and sends the information to the card operator, which, in turn, passes on the information to the financial institution in which the customer has an account. Eventually, for safety reasons, password will be requested from the user to finalize the transaction, even in payment by approach.

If the financial institution approves the operation, the machine issues proof of payment (which may be printed or not) to prove that the sale has been successfully completed.

It is important to note that the whole process usually occurs in seconds. This agility is reflected in a positive experience for the customer and in security of receipt for the seller.

2 – Do you have to have CNPJ to get a machine?

It depends on the machine. Although the equipment is more used by companies – such as and all other legal formats – some brands are also available to those who are autonomous, or even those who have not opened their CNPJ but has already started selling.

The requirement is that the person has a financial institution to receive sales money. This account may be in individuals or legal entity – in the latter case, It is important to evaluate which institution offers the services that best meet the needs of each business.

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3 – What fees charged by the machines?

When using the machine, the entrepreneur has basically Four types of fees: pix, debit sale (cash), direct credit for 30 days and sale in installment credit.

But beware: each machine maker – such as Cielo, Getnet, InfinitePay, Stone, among others – has its own rules on rates. These costs may vary according to the type of machine (if simpler or more sophisticated), business revenue, whether the machine is own or rented (usually rented machines have higher rates), and some companies exempt certain types of transactions – such as Pix, for example.

4 – How is the process of receiving the money?

The deadline for receiving sales money will depend on the type of transaction that was made and the rules of each carrier.

In the case of Pix, receipt is standard for all types of equipment, and usually occurs a few seconds after the transaction is completed.

In the debit function, the default is for money to fall into the seller’s account up to a business day. Some companies offer the possibility of receipt on the same day, but usually by collecting an additional fee.

Credit sales take 30 days to be released into the account. But if there is installment payment, this period may increase, depending on the amount of installments chosen.

Just as it happens with debt sales, it is possible to anticipate the receivables of credit sales, upon payment of additional fee. Even many companies resort to this type of operation to maintain their positive.

5 – Is it worth buying or renting a machine?

The best decision will depend on the characteristics and phase of each business.

For those who are starting a venture and do not yet have a constant sales flow, it may be more advantageous to rent a card machine than buying the equipment. In this case, there is no initial investment in the purchase, and the technical support of the equipment (maintenance and updates) are often within the rent price.

On the other hand, the rent can become expensive over time, as the cost can exceed the acquisition of the machine. In addition, those who buy have the autonomy to choose the model they prefer (best suited to the business, simpler to use, etc.).

And those who already have a reasonable and relatively stable sales volume can benefit from the purchase of the machine. In this case, it will be faster to dilute the initial cost of the equipment.

6 – Which card flags are accepted by the machines?

This will also depend on each type of machine.

Names like Visa, Mastercard, Elo and Amex are among the main credit and debit flags of the Brazilian market. In addition, there are also food and meal benefits vouchers that operate through machines, such as allele, ticket, vr benefits, pluxee, up voucher, among others.

7 – Card machines work without internet?

Yes. Although the most usual form of card machines is via the internet, they can also work without Wi-Fi connection. In this case, a chip with data plan will be required.

Some establishments still use the telephone line to integrate machine payments. However, this option may not be the most practical today, as a wire connection ends up limiting the mobility of the equipment, and are usually not as fast as those that have 5G technology.

8 – Is card machine a good deal for the company?

Using the machine in sales can bring several advantages to the business.

Offering payments flexibility is an efficient way to increase sales and build customer loyalty. And even cash payments through equipment bring benefits as they reduce the circulation of physical money, which makes the operation more practical (the trader doesn’t have to worry so much about change) and safe.

Another positive point of machines is the possibility that the company has to anticipate the receivables of sales. Depending on the business profile (if receiving deadlines are often long), this can greatly help in financial management, as the anticipation of receivables can reduce or eliminate the dwarf of deadlines in the financial cycle.

And it’s not just sales that benefit from the use of machines. The equipment also facilitates financial management, as it holds the records of all sales made, canceled and not approved of the establishment. These data are fundamental to the accounting and financial control of the operation and the calculation of the.

9 – What is the best card machine for my business?

There are several aspects to consider to make the best choice, which go through the needs of the business and the facilities offered by the equipment.

We can find various types of machines on the market, from the simplest and most basic to the most sophisticated. The best option will depend on what is priority for each operation.

For example, establishments that have a high turnover of customers a day, need speed in transactions and good technical support. In this case, slow machines or susceptible to connection failures can impair sales.

Tariffs are another important aspect to consider when choosing. As we have seen, costs depend on various variables – sales volume, whether the machine is own or rented, if additional resources are required (such as printer or functionality for financial management), and so on.

Finally, you need to understand the characteristics of each equipment well. For example, a restaurant needs mobility machines so that they can be taken to customer tables without prejudice to the connection. For those who participate in fairs or have customers in more distant locations, the autonomy of the equipment is a differential factor.

Finally, for all cases, it is important to check the warranty conditions, the technical support offered by the manufacturer and the security system. Overall, machines technology offers protection against fraud, but some have additional security systems.