Had a phone call today from a company called iZettle, they make a little card reader that connects to your phone so you can take card payments from customers there and then on the spot. it has it advantages in that you don't have to chase up payment after a job and saves the risk of dodgy cheques or customer having no cash. I hesitated about the cost of the card chip and pin reader so they will let you have it for £25 quid if you play hard ball. They charge 2.75% per transaction below around £1.5k per month. Above this the rates come down quite a bit. Its an added expense but at least you have instant payment and no chasing up invoices. so it s a time / cost balance really. could the time spent chasing invoices be better spent earning the money you pay for the card platform and making further profit on top? Anybody else out there take card payments from customers? If so can you recommend a good solution or provider? I am waiting to hear back from PayPal as well but it seems the fees are pretty standard across the board. I feel especially, with domestic customers a lot of them would happily pull out a debit card and pay on the spot, that way its done. no logging into online banking entering passwords and stuff or me having to out invoices.