Why Accepting Card Payments is Essential for Small Businesses, Sole Traders, and Self-Employed Professionals

Imagine this: A client is ready to pay you for your services but prefers to use their card. If you don’t offer card payments, you could leave them inconvenienced or risk losing the sale.

In a world where over 80% of UK customers prefer digital payments, adapting to this demand is key for small businesses, sole traders, and self-employed professionals.

Let’s explore why card payments matter, how they can benefit your business, and why Xiva makes it easier than ever to get started.

Why Customers Prefer Card Payments

Card payments have become the preferred method for most customers, and it’s not hard to see why:

• Convenience: Cards eliminate the need for cash or the hassle of a bank transfer. Clients can pay instantly, whether they’re in person or remote.
• Security: Card payments offer fraud protection and peace of mind for customers.
• Flexibility: Credit cards let clients manage their finances while earning rewards or cashback, making them an attractive option.

By offering card payments, you’re meeting your customers where they are, making the payment process smoother and more enjoyable.

How Card Payments Can Boost Your Business

1. Make Payments Easy for Clients:
   • Xiva enables you to accept payments through simple, modern methods like QR codes and payment links. Soon, Tap-to-Phone technology will make in-person transactions even easier.
   • These options eliminate barriers, ensuring clients can pay their way, instantly and securely.
2. Increase Your Sales Potential:
   • Customers are more likely to complete purchases or book services when paying is easy and convenient. Credit card options can also increase transaction amounts, as clients aren’t limited by immediate cash flow.
3. Simplify Your Processes:
   • Automated payment tracking and records make managing your business easier, saving time and reducing errors compared to handling cash or reconciling transfers.
4. Enhance Professionalism:
   • Accepting card payments sends a message to clients: your business is modern, trustworthy, and customer-focused.

Is Cost a Concern?

While some business owners hesitate to accept card payments due to transaction fees, the benefits far outweigh the costs. Xiva makes this decision even easier with transparent pricing:

• Domestic cards: 1.7% + £0.09 per transaction.
• Other cards: 2.7% + £0.09 per transaction.

There are no upfront costs, monthly fees, or hidden charges. You only pay when you make a sale, giving you a risk-free way to offer modern payment options to your clients.

Secure and Trusted Payment Solutions

1. Building Trust Through Security:
   • Customers know card payments are secure, thanks to encryption and fraud protection measures. Offering this option enhances their confidence in your business.
2. Xiva’s Commitment to Safety:
   • QR codes and payment links use advanced encryption to protect sensitive data.
   • With Tap-to-Phone technology launching soon, Xiva is staying at the forefront of secure payment innovation.

By prioritising secure payment options, you’re showing clients you care about their safety and convenience.

Staying Competitive in a Cashless World

As cash use continues to decline, card payments are becoming the standard. Offering this option helps your business keep pace with evolving customer expectations and ensures you remain competitive.

It’s not just about technology. It’s about making life easier for your clients. Businesses that adapt quickly can create a better experience, build trust, and stand out in a crowded marketplace.

Why Xiva is the Ideal Solution

Xiva is designed to make accepting card payments simple, cost-effective, and secure:

• Free and Easy Setup: No need for expensive devices. Just download the app and start accepting payments.
• Flexible Options: Offer QR codes and payment links now, with Tap-to-Phone technology coming soon.
• Transparent Pricing: Pay only per transaction, with competitive rates and no monthly fees.
• Reliable and Secure: Advanced encryption ensures every transaction is protected.

Next steps

Your customers are ready to pay by card, are you ready to accept it? With Xiva, you can offer seamless, secure, and professional payment options that enhance your service and grow your business.

Download the Xiva app for free today.