Your B & B Business and SCA

New Payment Security Measures that WILL Affect Your Business

SCA (Strong Customer Authentication) measures have now come into force as part of the Payment Services Directive II (PSD 2), a European law that all UK banks will be using (and yes this will remain in effect despite Brexit) to prevent fraud.

What does this mean? Overall these measures will significantly improve the security of payments. Sadly Some of the OTAs have misrepresented the situation for their own gain. It is important to note that SCA ONLY applies to cards typed in online by the customer, all other card transactions are exempt so you can continue payments in exactly the same way you did prior to SCA.

What’s ’strong’ about it?
The ’strong’ in ’Strong Customer Authentication’ means that the person using the card online has passed at least two of three ’proof points’ confirming they’re the owner of the account.

Those three points are:
Knowledge (knowing Password or PIN)
Possession (having their card or phone with them)
Inherence (being able to prove their identity through fingerprint or facial recognition).

Direct bookings via your website’s booking engine:
These are relatively straightforward, at the point of booking online the card issuing bank will now ask your guest for 2 of the 3 security points so you will be certain the payment was made by the owner of the card. Stripe and FabPay will take SCA details and confirm the identity of the card holder for you.

Channel bookings from Online Travel Agents (OTAs):
Where you get the customer’s card from the OTA this will be exempt from SCA. Any payments you take from the card will be Card Not Present (CNP) or Mail Order Telephone Order (MOTO). These transactions are treated by the banks in the same way as they were before SCA so there is no change at all.

In the same way as channel bookings, payments where you type the card into a terminal or virtual terminal don’t fall under the new SCA measures as they are a Card Not Present (CNP) or Mail Order Telephone Order (MOTO) payments, that is to say they are exempt from SCA. These transactions are treated by the banks in the same way as they were before so there is no change.

Here at freetobook we offer property owners a number of secure payment options including Stripe and FabPay all of which are 100% SCA compliant for all types of payment.

 

 

Card payments : fast, secure, and easy with Stripe

Stripe: online payments made easier, faster and more secure. Freetobook’s integration with Stripe makes payments possible at the click of a button, keeping things simple for you – and your customer. 

 

Thousands of freetobook customers use Stripe as their credit card payment system – this is one bandwagon you want to hop on!

 

Top 5 reasons to use Stripe for card payments:

1. Quick and easy to setup

Just head over to the PAY tab in your freetobook account to get started!

2. Low Cost

In Europe, Stripe charges 1.4% for European cards (2.9% for International cards) and a mere 20p transaction fee!

3. No monthly charges 

Stripe charge per transaction, a simple pay-as-you-go system so you’re not out of pocket!

4. Secure 

PCI compliance fitted as standard, no lengthy forms to complete

5. 92% approval rating

Thousands of freetobook customers using Stripe love it! We introduced Stripe in 2015 and have since had overwhelmingly positive feedback about the service. In fact, we are so sure it will be good for your business that we offer a 30 day money back guarantee on the freetobook integration charge.

 

 

Still not convinced that Stripe will work for your business? Take a look at what your fellow freetobookers are saying…. A staggering 92% of freetobook Stripe users are very happy with the service! Check out some of their feedback below:

“Absolutely love it (Stripe). It has changed my life. It is so easy, great when people cancel, works fantastic… Much less admin for me. It’s a win, win all the way”

Holly Tree Cottage

“Love it – all automatic, and you know if cards securing reservations are valid cards, you can also charge guest stays using the system. Well done freetobook! It so easy to set up and maintain even older users like me have mastered it simply like all freetobook products we use…”

– Avlon House B&B

“It has reduced our costs and offers peace of mind.”

– The Cardinal’s Hat

 

We’re positive that you’ll love using Stripe for your accommodation payments! But just in case, we offer a full refund within 30 days of paying your subscription. Freetobook charges an annual integration fee of £89 for providing you with this great payment functionality, which can be accessed quickly and easily through your freetobook account.

So what are you waiting for?! Join thousands of freetobook users and improve the speed and ease of your payments today by adding freetobook Stripe integration! Click the PAY tab when logged in to your freetobook account.

Easy low cost way to accept credit cards with Stripe

Having access to an easy to use credit card system has been a great bonus to so many of our customers. Being able to accept credit cards for your online and telephone bookings makes payment simple for you and your customer. It’s easy to take balance payments and make any refunds if you need to all at the click of a button. No more chasing cheques or waiting for bank transfers Stripe does it all for you, click, click….

5 Reasons to use Stripe for card payments

  1. Quick and easy to setup – Go to the PAY tab in your freetobook account
  2. Low Cost – In Europe Stripe charges 1.4% for European cards
  3. Secure – PCI compliance fitted as standard, no lengthy forms to complete
  4. No monthly charges – Stripe charge per transaction, simple pay-as-you-go
  5. 92% approval rating – freetobook customers using Stripe love it

Stripe is a faster and a more secure online payment system which enables you to take card payments without the need for a merchant account or a payment gateway.

Freetobook introduced Stripe in 2015 and since then we have had astonishingly high feedback about the service. In fact we are so sure it will be good for your business that we offer a 30 day money back guarantee on the freetobook integration charge.

Still not convinced that Stripe will work for your business ? Take a look at what fellow freetobookers are saying. In Nov 2016 we asked those of you using Stripe to rate the service, results below…. A staggering 92% of the users are very happy with the service.

Here is some of the amazing feedback we received:

“Absolutely love it (Stripe). It has changed my life. It is so easy, great when people cancel, works fantastic… Much less admin for me. It’s a win, win all the way.” – Holly Tree Cottage

 

“Easy to use, keeps card numbers without being exposed to them and can rebill for balances and deposits. Easy to send payment links for people to make deposits and have a card on file.” – Zen Yard Guest House

“Fantastic! It (Stripe) has turned my business around. No need to chase for a deposit and no need to ask guests for payment in cash. Without being able to take a card payment, I previously lost out on business, as many companies book my accommodation for their employees.” – Home Farm Barn

“So easy to set up…seamlessly integrated with freetobook and offers all of  the functionality and features that our bank offered for less cost. 5-stars!” – Terragong 1858

 

 

“Using it about 4 months now love it all automatic, and you know if cards securing reservations are valid cards, you can also charge guest stays using the system. Well done freetobook! It so easy to set up and maintain even older users like me have mastered it simply like all freetobook products we use…” – Avlon House B&B

There is nothing more that we can say after those testimonials from freetobookers, other than giving you our guarantee that you will love using Stripe.  If not, we offer a full refund within 30 days of paying your subscription. Freetobook charges an annual integration fee of £89 for providing you with this great payment functionality, all of which can be accessed through your freetobook account.

Get your freetobook Stripe integration today !! Click the PAY tab when logged in to your freetobook account.

 

FabPay – Payment Gateway for accommodation providers

Low cost pay as you go credit card payments

At freetobook we have created a low cost, pay as you go credit card handling system for UK accommodation owners.

Low Cost Card Payment
Credit Card Payment

FabPay offers full integration with your freetobook booking system, saving time and money when you switch to FabPay.

With FabPay, taking payments is no longer a complicated drawn out task. Just click the button and the payment is on it’s way to your bank !

Key Benefits:

1) Simple and quick – card payments made in seconds.

2) Secure and PCI compliant, all transactions are made on the SagePay gateway.

3) Simple to setup – You can run FabPay alongside your existing card payment system, no need to change.

4) NO monthly costs and NO tie in period, simply pay as you go.

5) Cost neutral, you can make a small charge to your customer for card handling so it costs you nothing.

6) It’s all connected, your online and phone payments are shown in each booking.

FabPay vs PayPal
FabPay vs PayPal

Many smaller properties use PayPal for card transactions, this could be very expensive compared to FabPay. If you are paying PayPal 3.4% on a debit card this could cost you £10.20 on a £300 booking. With FabPay a debit card transaction costs only 22 pence + a max gateway fee of 75 pence, a total of no more than 97 pence using FabPay. Massive saving !

The same £300 payment from a personal credit card with FabPay would be 1.35% + gateway fee i.e. £4.05 + 75 pence = £4.80 still less than half the price of PayPal. Click here for full cost comparison of FabPay vs PayPal

With FabPay there is a one off setup fee of £69. Credits are then bought to pay for each transaction (gateway fee). The more credits you buy the cheaper each transaction is (payment).

The most you ever pay is 75 pence but it you are using a larger number of transactions you could be paying as little as 24 pence per payment (gateway fee).

Find out more about FabPay at www.fabpay.com

Existing customers of freetobook can easily register for FabPay low cost payment system in Tab”Plus” and SubTab”FabPay” – start saving today !

If you do not yet use the freetobook Internet Booking Engine find out more at www.freetobook.com

Your Online Bookings payment Icons – Update on system functionality

Payments against bookings – New Icons on your Diary page

We continue to upgrade and improve the freetobook online booking system. Many of you have asked for an easy way to see if bookings have been paid, we think we have achieved that for you. When you next login you will notice the new coloured icons showing on your “Diary” page. These can be used as a quick glance indication of payment against bookings. Red means no payment made against the booking, Amber shows that the booking is part-paid and Green is fully paid.

Online Booking System Payments
easy to read payment icons

As you can see each booking has a little coloured icon showing you the payment status. When you enter payments against the booking it will automatically change colour to tell you the new payment status.

Icons for payments against bookings on your online booking dairy
Each booking has an icon which will change colour as payments are allocated

 

 

 

 

 

The full page of your online booking diary shows like this. If you want to add a payment to any booking all you need to do is click on the booking and hit the payment button.

Online booking system with an easy to manage online diary
Online Booking Diary with easy access to your booking details

Freetobook is already a leader in online bookings systems, we are confident that online booking with us is already the best available, that said we continue to make it even better. Upgrades are usually a result of listening to “you” our customers. If you would like to engage and share with us check out our facebook or twitter pages.

“LOVE the new payments feature!!!  Everything you need to know at a glance on your diary….perfect!”

Heather at Craigend Bed and Breakfast http://www.craigendbandb.co.uk/

“We’re liking the coloured payments, part payments, non payments feature in the diary!”

Thorney How Hostel Grasmere http://www.thorneyhow.co.uk/