[committee] EFTPOS / Payment gateway options for UCC

[Felix von Perger]

An update on the pricings and information after doing more research and 
talking to Mint payments for an hour yesterday.

With regards to app integration, my main concern was whether it could be 
integrated seamlessly enough into another app that you do not need any 
user interaction (in other words, a setup with a raspberry pi wouldn't 
necessarily require a touchscreen nor direct user input). In this case 
it seems like Square would be non-ideal.

Essentially, Mint can't offer us any cheaper rates than the following:

  * Card reader is $300 to buy the device, no monthly fees thereafter
      o For every paypass (NFC/contactless) transaction, a flat rate of
        1% applies
      o For every EFTPOS (card + PIN and select "savings"), a fixed
        price of 16.5c per transaction applies
  * For online payments via their web payment gateway (ie. can be
    integrated into the website)
      o Costs $30/month to use
      o 25c per online transaction, irrespective of payment method
  * APIs
      o It is possible to seamlessly integrate the card reader API into
        a separate app (ie. to avoid having to see/touch their app when
        doing payments, good for dispense integration)
      o Web integration (online payments) is possible with a secure
        hosted payments page
      o No card details need to be stored by us

Supposing that the card reader is too expensive for this experiment, 
Paypal and Square offer more affordable solutions in the short term.

Square (see pricing here <https://squareup.com/au#section-b>):

  * Card reader costs $59
      o 1.9% on all card transactions involving the card reader (as far
        as I can tell)
      o Main downside to this is that the card reader has no keypad; for
        card+PIN transactions, you must enter the PIN code on the
        Android/iOS device rather than on the card reader
      o Theoretically most people who have cards also have paypass so it
        might not be necessary
  * Online payments, virtual terminal & manually entered card details in
    POS app
      o 2.2% flat rate
  * APIs
      o Card reader integration available (can write custom POS apps;
        again dispense integration)
          + However note that one must still enter PIN codes on the app,
            which is not ideal
          + Anyone have experience
      o Web integration possible using Square APIs (no out of the box
        solutions available from Square, it seems, so we must write that
        ourselves)
      o Unknown about card details, presumably we don't touch them

Paypal's pricing structure 
<https://www.paypal.com/au/webapps/mpp/paypal-seller-fees> is similar:

  * Paypal Here card reader costs $100 outright, no monthly fees
      o 1.95% flat rate on all transactions
      o Card reader has buttons, don't need to enter anything on app
  * Online payments (presumably applies for both payments with a paypal
    account and card payments)
      o 2.6% flat rate + 30c per transaction
  * APIs
      o Can write custom POS apps to use card reader
      o Web integration available using all kinds of existing frontends
        that redirect to a hosted payment gateway; we can also write our
        own frontend if we want.

[FVP]

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