This was posted 1 year 2 months 20 days ago, and might be an out-dated deal.

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Square Reader $39 Delivered @ Amazon AU

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Square Reader $39 Delivered @ Amazon AUAffiliate
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gamemaster on 08/02/2023 - 14:52 amazon.com.au (1603 clicks)
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Times are getting tough, upward pressure on interest rates, inflation depleting the power of your dollar, Maccas no longer offering decent deals…

No better time make some extra money and invest in your side-hustle with a Square Reader. Accept payments electronically and avoid handling manky notes and coins, or buyers who say they “only have a $20 note” for your $25 item. Yeah nah pay up mate, tap right here.

Usually selling for $59, but now discounted $20 to $39

$39 with Amazon with free delivery otherwise $38 at Officeworks in-store.

Transaction cost is 1.9% so probably suits low volume sellers eg weekend markets or garage sales that don’t want to spend up for the reader.

Description:

  • Accept EMV chip cards, contactless NFC cards, Apple Pay, and Google Pay from anywhere.
  • Pay just 1.9% for every tap or insert. No long-term contracts, no monthly fees.
  • Connect wirelessly to your phone or tablet with Bluetooth LE to take payments on the go or at your counter.
  • Use with the Square Point of Sale app to manage items, inventory, reporting and more—all in one free app.

More info

Price History at C CamelCamelCamel.
Electrical & Electronics EFTPOS Terminal Memory Card Reader Payment System Square

Related Stores

Amazon AU
Amazon AU
Marketplace
Square
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closed Comments

  • JSONBourne on 08/02/2023 - 15:00
    +22

    Be aware that squares payment processing fees can be quite high depending on your scale.

    • justtoreply on 08/02/2023 - 15:08
      +7

      "1.9%"

      ?

      • Nedkellyinthebush on 08/02/2023 - 17:00
        +13

        That’s quite high

        • buffalo bill on 08/02/2023 - 20:18
          +3

          Maybe somebody who gets payment systems and economics a bit better can answer this:

          Say for argument's sake there is a 2% fee on each transaction, and we all transact $50 to each other 50 times; wouldn't another $50 (a total of $100) need to be in circulation and be spent because of the fees?

          If we used these payment methods on a grand scale, how could it not add to already high inflation?

          Same could be said for other Tap-and-Go payments, but it seems like we should all be aiming for payments methods that attract the lowest possible cost?

          • TheFlyingCoder on 08/02/2023 - 20:28
            +1

            @buffalo bill: You are just paying the banks 2% for the service of moving your money, making life easy and quick, it's not hard to figure out

            This sounds like you saw the "cash is king" Facebook rant that went viral a whole ago. It was so fundamentally wrong but so vague that it tricked a lot of people into questioning credit card fees 😅

            • TheFlyingCoder on 08/02/2023 - 20:30

              @TheFlyingCoder: You can either pay 2% extra on the $50 as the customer, or the business takes 2% out of their $50 depending on the setup

              Each time the bank gets a bit in their pocket but:

              1. You don't have to carry cash and coins

              2. Business doesn't have to balance tolls and handle large sums of cash / coin daily

              It's well worth it

              • Nedkellyinthebush on 08/02/2023 - 20:35
                +8

                @TheFlyingCoder: It’s very convenient but 2% on each bloody transaction is way too much

                • TheFlyingCoder on 08/02/2023 - 20:40
                  +2

                  @Nedkellyinthebush: Well yeh the preference is free but that's not viable 😅

                  It can only be as low as the credit card network fees regardless, unless mastercard or visa decide to drop their rates for no reason haha

            • buffalo bill on 08/02/2023 - 20:53
              +2

              @TheFlyingCoder:

              This sounds like you saw the "cash is king" Facebook rant

              I don't have Facebook so didn't see it, but I can't see how people questioning credit card fees is a bad thing. There does seem to come a time though where the value of the fees paid is equal to the transaction amount if that payment system is continually used for a transaction of the same value…

              • Nom on 08/02/2023 - 21:05

                @buffalo bill: Credit cards are a business - without the fees, they wouldn't exist. The banks only run cards to make money, just like every other product they offer.

                Credit cards have some excellent features for us as consumers, I don't think anyone is begrudging the fees built into all pricing to cover the costs 🤷🏼‍♂️

                Imagine no credit cards and we all had to use Debit cards for online shopping ! Every time your card gets compromised then your actual money would be taken from your bank account rather than the bank's money that gets taken from your compromised credit card.

                • buffalo bill on 08/02/2023 - 21:12
                  +4

                  @Nom: I think you are talking fraud protection/insurance etc. as additional features, which are services that obviously cost money.

                  2% for a payment method alone seems like poor value at the very least.

            • frugalftw on 08/02/2023 - 21:16
              +3

              @TheFlyingCoder: That post was so uneducated and misleading. It's like, 'Hey banks, be the middle man and safekeep my money for free, oh and while you are at it, spend your money to build the infrastructure and relationships so I have instant access to my money 24/7 too. I'm entitled to it.'

          • Nom on 08/02/2023 - 20:50
            +3

            @buffalo bill:

            Say for argument's sake there is a 2% fee on each transaction, and we all transact $50 to each other 50 times; wouldn't another $50 (a total of $100) need to be in circulation and be spent because of the fees?

            What ?
            The 2% fee means the business only gets $49. The bank keeps the other $1 as their fee.

            It's as simple as that - there's nothing else in play.

            • TheFlyingCoder on 08/02/2023 - 21:01
              +2

              @Nom: Yeh that's the thing people glaze over, it's super simple 😅

              Same as paying extra for any service that makes your life easier

              • illusion99 on 09/02/2023 - 09:33
                +1

                @TheFlyingCoder: There are a few bank products that offer 2% cashback on tap transactions such as HSBC. So using that will usually cover any transaction fees

                • denserham on 09/02/2023 - 10:10

                  @illusion99: Could you use HSBC to pay yourself and earn 0.1% each transaction? making yourself 5 cents a month?

                  • illusion99 on 09/02/2023 - 10:12

                    @denserham: Sure but I think there is a cap of $50 or $100 a month on cashback earned. So might not be worth the effort

  • Carbon Door on 08/02/2023 - 15:04
    +51

    NAB offers tap and pay directly from your phone at a lower rate so you dont have carry this one around, no ongoing fees other than the transcation fee. Android only

    • NigelTufnel on 08/02/2023 - 15:21
      +17

      Do you mean NAB offers the option to get paid directly using the phone NFC? Like if you have a stall someone can tap their card to your phone and you get paid (i.e. replacing this)?

      Never seen that, but that's pretty cool.
      [edit: There you go. Impressive - hope other banks get on board and increase competition…]

      • Aussie89 on 08/02/2023 - 15:26
        +14

        Apparently they do. Looks good from my quick read about it.
        1.4% transaction fee

        https://www.nab.com.au/business/payments-and-merchants/accep…

        • DingoBlue on 08/02/2023 - 18:05

          Looks good. Only Android though it seems?

          • b3au on 08/02/2023 - 18:12
            +2

            @DingoBlue: Yes, while you can do basic NFC stuff on iOS, the bits you need for actually reading contactless cards and processing payments is off limits to third party developers to use with their apps - so NAB can't do it.

            In the US, Apple does have "Tap to Pay on iPhone" - https://www.apple.com/newsroom/2022/02/apple-unveils-contact…

            In theory NAB makes an app and processes the payment still, but using the APIs Apple provides. (Just like Square, Stripe do. Apple doesn't process the payment, your payment network still does)

            But not available in Australia.

        • nicholasv on 08/02/2023 - 18:44
          +2

          HSBC give 2% Cashback on purchases under $100. Could you just make a purchase for $99.99 and then make a free 60c? Lmao

          • furyou on 08/02/2023 - 19:49
            +1

            @nicholasv: No, but do that 10 million times and make $6mil - YES.

            • nicholasv on 08/02/2023 - 19:56

              @furyou: Think it's capped at $50 a month, damn 😂

              • Franc-T on 09/02/2023 - 05:09

                @nicholasv: You just have to be patient. In 10,000 years you too could have your 6 million!

          • zealmax on 09/02/2023 - 09:36

            @nicholasv: Monthly cap of $50.

      • unity1 on 08/02/2023 - 17:13

        NAB mentions small business customers. Is this only compatible with certain account types?

    • tellhimhesdreaming on 08/02/2023 - 15:23
      +1

      Square ecosystem offers some other perks depending on your business such as invoice generation and basic reporting etc for no additional fees.

      • HomeAlone on 08/02/2023 - 15:43
        +8

        NAB also offers those same perks for no additional fees.

      • Forgot69 on 08/02/2023 - 21:36

        If memory serves, the Square POS system is actually free to use. You can produce reciepts and invoices without owning a Square reader.

    • bamzero on 08/02/2023 - 15:37
      +6

      https://www.nab.com.au/business/payments-and-merchants/accep…

      1.4%. Hadn't heard if it before, looks like a good option.

      Though to be honest, from a customer point of view I'd feel wary of typing my PIN into another persons phone.

      • Carbon Door on 08/02/2023 - 15:50
        +5

        well you still have to type your pin into the other person's phone on square anyway… I have both

        • bamzero on 08/02/2023 - 16:29

          Yeh I guess. I think anytime I've used it it's been under $100 anyway so haven't had to enter PIN.

          Generally use Google Pay now anyway. I don't know what the PINless limit is if any but definitely higher than $100. Paid something over $500 the other day without it asking (plus it's a virtual card too). The only time I can remember it needing a PIN was getting a refund once.

          • nigel deborah on 08/02/2023 - 17:52

            @bamzero: I've done 2k+ transactions with cards and gpay using tap and pay, seems to go through fine without a pin. I'm sure it depends on the bank. Can't see any option in my bank's app to even set a $ amount requiring pin. Certainly not like it used to be where there was that hard 100 dollar limit.

            • b3au on 08/02/2023 - 18:09
              +4

              @nigel deborah: It's called CDCVM (or Consumer Device Cardholder Verification Method) - http://web.archive.org/web/20201108133245/https://support.ap…

              Rather than 'verifying' yourself with your PIN when you insert/tap card, you verify yourself on your own device (be it fingerprint, Face ID, phone PIN) for the payment.

              As you've already verified yourself before tapping, there's no need for PIN.

              But the device (card reader) and network (Amex/Mastercard/Visa - eftpos doesn't support CDCVM) must support it for it to work.

      • od810 on 08/02/2023 - 18:56

        I heard it is not usually easy to set up merchant account. Square is pretty easy to be onboard

    • mmcs on 08/02/2023 - 17:26
      +1

      Nab easy tap. Great option if you have an Android phone.

    • furyou on 08/02/2023 - 19:51

      Does nab have the same android limitations of square - no custom roms, no dev mode turned on?

      • bamzero on 08/02/2023 - 19:56

        Magisk, LSPosed, Universal Safetynet Fix, Shamiko, Hide My Apps (and GPS Setter for helicopter flights).

        Quite a list but at least you can use your phone how you like. Some apps are just over the top though. Even LG ThinQ wont run if you've got Magisk Manager installed.

        • furyou on 08/02/2023 - 19:58

          I just had dev mode to stop animations, make things feel snappier, and square spewed every time. I didn't really do other stuff and didn't even root.
          But thinking put it on an old android that has custom rom so it's faster.

    • squeeb on 08/02/2023 - 22:38

      Does NAB offer the option to process payment manually (eg whilst on the phone) or via a link sent to the customer?

    • Jugganautx on 09/02/2023 - 05:20
      -1

      No nab does not offer this. they removed the paywave option from their app at least 6 months ago.

      Everything is GPAY now. Which is stupid.

      • b3au on 09/02/2023 - 06:03

        This is talking about accepting payments - ie people pay you.
        Not about making payments - ie you pay them

    • denserham on 09/02/2023 - 10:17

      1.4% is a pretty good rate for a small business

    • Jinxinferno on 09/02/2023 - 13:32

      I have a business account with them and had no idea ahout this. The only card processing option I had was through Stripe at 1.8% fee.

      This could be a game changer.

  • hopper on 08/02/2023 - 15:31

    So i can activate this, put it in pocket, stand inside a busy tram and start walking forward and backward 😂

    • xcez on 08/02/2023 - 15:35
      +33

      Of course you can, but you won't be paid for it :)

    • nobro25 on 08/02/2023 - 16:58
      +1

      Tell me where you gonna do it. I'm gonna reverse hack it so the money comes to me.

  • Larsson on 08/02/2023 - 15:39
    +5

    I believe this might have to do with recent rumors apple is about to enable iPhones to be capable of receiving payments

  • cute as duck on 08/02/2023 - 16:17
    +4

    “only have a $20 note” for your $25 item. Yeah nah pay up mate, tap right here

    For higher valued items, still would push for cash personally otherwise opening yourself up to potential chargebacks.

    • liongalahad on 08/02/2023 - 16:34
      -6

      aaah the good old myth of the chargebacks. As if I could go to a restaurant, pay and then ask for a chargeback lol

      • cute as duck on 08/02/2023 - 17:02
        +11

        You clearly have no clue what a chargeback is or misunderstood my earlier comment.

        Not sure what exactly you are disputing by calling it a myth lol because even I was successful in chargebacks at restaurants when my card was used to make fraudulent transactions or another time when I was overcharged.

        Let me put it clearer for you:

        What exactly is stopping someone using a stolen card to purchase something from you using your Square reader and the real card holder disputing the transaction through a chargeback?

        Look forward to your reply.

        • liongalahad on 08/02/2023 - 17:06
          +7

          you got me there. I wasnt picturing using a stolen card - I thought you meant someone paying you and then deliberately disputing the payment to get the money back. This is what people fear when getting paid with payID on gumtree or marketplace - however it's a myth you can get the moeny back in that case.
          2 different things, my bad for mixing them up

        • Nom on 08/02/2023 - 17:14
          -1

          What exactly is stopping someone using a stolen card to purchase something from you using your Square reader and the real card holder disputing the transaction through a chargeback?

          As the vendor though, you have no way of knowing that card was stolen - you can't check even if you wanted to.
          For this reason, I suspect the refund comes out of the 1.9% fees that Square is collecting - it doesn't make any sense to leave the seller footing the bill 🤷🏼‍♂️ That places the risk entirely on them, with nothing in return.

          • Daabido on 08/02/2023 - 18:07
            +2

            @Nom: Yep, that's the way it works I believe, as in the seller is hung out to dry.

          • Trance N Dance on 08/02/2023 - 19:17

            @Nom: You can confirm by asking for ID.

            In the event of a successful chargeback the seller eats it.

            • Nom on 08/02/2023 - 20:56

              @Trance N Dance: Damn, so for a low margin store like MSY, they're going to be totally screwed if a few people with stolen cards walk in and buy some computers - each loss would probably erase days of profit !!

              • bejahi on 09/02/2023 - 05:16

                @Nom: Margin has nothing to do with it. If they are making 1% on $1m daily turnover then a couple of fraudulent transactions will not erase days of profit.

  • liongalahad on 08/02/2023 - 16:33
    +5

    +1 for the description

  • Kidaway on 08/02/2023 - 16:43

    Can I use this to generate credit card points and “cash advance”? 😂

    • bongo007 on 08/02/2023 - 16:59

      at 1.9% fee it might not be worth it…

      • leiiv on 09/02/2023 - 00:49

        cash advance "fees" are usually more than 1.9%, so might be worth it.

    • frugalftw on 08/02/2023 - 21:22

      You can use it to cash out certain discounted gift card that has gained a rather poor reputation here (for not being secure). Just need to take into account of the processing fee plus maybe taxable income.

      • leiiv on 09/02/2023 - 00:43

        How? It only supports tap and insert, not swipe.

  • plentifoo on 08/02/2023 - 16:53

    yah, nah i'll take cash in this high inflation environment.

    • askbargain on 08/02/2023 - 21:10
      +3

      which school taught you economics?

      • plentifoo on 08/02/2023 - 23:50

        why would you not for a side business? take the cash, avoid the transaction fee (gets inflated in line with the cost of 'service' in the economy you speak of) and put it in your savings account to maximise returns with the ever increasing cash rate. before you go on about GST, unless your side hustle is turning over $75,000, which I doubt if you're buying it on a whim because of an ozbargain post, you're not liable to register and pay.
        https://business.gov.au/registrations/register-for-taxes/reg…

        • bejahi on 09/02/2023 - 05:20

          Put it in your savings account. So in other words, not cash.

          • plentifoo on 09/02/2023 - 15:10

            @bejahi: transact in cash, avoid the square fee, put cash in bank subsequently. My point being you bypass the use of square to avoid inflated transaction fees. People just read things on face value and make their own assumptions.

  • havebeerbelywillsumo on 08/02/2023 - 17:05

    Errr, from an oldie…what is the point to this thingie? Ahhah is this for vendors?

    • AkiraSaito on 08/02/2023 - 17:08
      +4

      It’s like you personal eftpos machine if you are running a business

  • Typical16-bitEnjoyer on 08/02/2023 - 17:29
    +3

    “only have a $20 note”

    My auto response "Oh well, I'll see to the next peep" start closing door
    *money magically appears along with sus excuse"

    • Miss B on 08/02/2023 - 17:36
      +2

      *money magically appears along with sus excuse"

      "Sorry mate, just went up to $30"

      If it's something you know will sell anyway.

    • Jimbuscus on 08/02/2023 - 17:43
      +4

      This is what selling on Gumtree is like, they haggle beforehand and you agree to a price and they arrive saying they only have 80% of it in cash.

      You say that's too bad and suddenly they can pay what they agreed to. It's especially frustrating if you agreed to go somewhere like a train station to meet.

      • Typical16-bitEnjoyer on 08/02/2023 - 18:38

        Yeah never agree to a station or halfway meet. Part of their ploy to be short on cash or find an "imperfection" and try and lowball you.

        • Jimbuscus on 08/02/2023 - 18:41
          +4

          Sometimes it's preferable to not give out my address or meet alone, feels safer at a major station for both of us.

          It's annoying but I'd rather the inconvenience of a wasted walk, but I've never had anyone back out as they made the trip as well.

          • SmoothCactus on 08/02/2023 - 20:54
            +2

            @Jimbuscus: This.

            Id much rather meet halfway or at stations than meet in dodgy neighbourhoods or areas.

            Nothing wrong with meeting at a nearby cafe, train station or other public place if its possible.

  • claud0902 on 08/02/2023 - 18:20
    +4

    Use Alipay or Wechat pay for free transaction and do not get ripped off by these evil service providers.

    OR code has been there and mature enough for quick payment & transaction without hardware requirement (or camera vs nfc chip). We really need decentralised solutions for our own money so these intermediated agents/players do not get a single share in any kind of transactions when we use/receive our money.

    • frugalftw on 08/02/2023 - 21:33

      If 'these intermediated agents/players' do not get paid, they would go away, good luck finding someone else to do it for free. Do you know it costs money to get people to write the program to settle transactions, audit the accounts and negotiate inter-bank interests? Do you want the govt to fund it instead? Oh right. Who owns Alipay and Wechat?

      • buffalo bill on 09/02/2023 - 06:51
        +1

        Just a reminder that PayID was launched by the Reserve Bank.

        https://www.rba.gov.au/payments-and-infrastructure/new-payme…

        • frugalftw on 09/02/2023 - 09:04

          Interesting read, I can’t find any info on rba owning the data or not, which is the most important part.

          In 2014, twelve Authorised Deposit Taking Institutions committed to funding of the build and operation of the NPP and became the founding members of NPP Australia Limited.

          That means NPP is still private.

          The Reserve Bank played a significant role in establishing the broad direction of the industry's efforts. It also built the settlement component of the NPP, known as the Fast Settlement Service, which allows transactions to be settled individually on a 24/7 basis, in close to real time.

          Feels like Fast Settlement Service was part of their internal system, they just polished it up to share.

          The Bank is also a participant in the project, with its Banking Department using the NPP infrastructure.

          Sounds like they made NPP to build infrastructure, so they don’t have to. It’s still a good deed, yet someone is always paying for it is the bottom line. I’d always prefer that someone not being the govt.

      • claud0902 on 09/02/2023 - 19:01
        -1

        Find other ways to make money, just like how alipay and wechat do. You can't do it, you cannot survive from the competition.

        Or, hope the blockchain keep maturing so decentralisation eventually take over the traditional centralised transaction method so we can finally get rid of these intermediated agents who does nothing but claims to be important. Yes, I want them not get paid, so they can go away. We do not need luck to keep the economy as the technology has matured, just regular people do not get to see the new free world.

        • Trance N Dance on 09/02/2023 - 20:38

          You do realise that blockchain payments take a processing fee as well right? The processors require an incentive to host the servers to process and verify the transactions, or do you expect everyone to just give up a piece of their computer processing power and electricity bill so you can have a fee free service on someone else dime?

          Wechat and alipay have merchant fees too…. and are probably subsidised by the parent company's main products wechat and alibaba. (In otherwords paid for elsewhere and not directly). Not to mention the government involvement…

          • claud0902 on 10/02/2023 - 14:16

            @Trance N Dance: Sure, but if you do business directly from the seller they have already charge you their service so you do not need to pay extra for the transaction. That is what blockchain and decentralised transaction can offer. You remove unnecessary middleman in the process so you do not need to pay them.

            Wechat and alipay ask merchant fees from the seller, not customers. The sellers may actually add this cost into their products/service, but they cannot do whatever they want as they face strong competition in the market if they cannot stay competitive. As a customer, you do not need to pay for the addtional transaction fee to the platform. This whole process can be determined by the market itself and do not need the government at the back.

            • Trance N Dance on 10/02/2023 - 14:41

              @claud0902: So you basically agree that Visa's and Mastercard's merchant fees are no different to alipay's or wechatpay. The fees are charged to the seller and it's up to them to choose to pass it on as an extra percentage fee on top of the item's price or to include it into the charged price.

              You also do realise that blockchain payments charge the sender of the funds for the processing fee, ie the buyer. The seller has no input into this fee other than "payment must clear by x time" and it would be up to you as the purchaser to pick how much of a fee you pay for your payment to be processed at what speed.

              Sounds like you have no idea what you're talking about and just jumping onto hype wagons.

              • claud0902 on 10/02/2023 - 14:44

                @Trance N Dance: I do not realise blockchain charges processing fee. As I didnot pay extra when I bought NFTs, or sell.

                • Trance N Dance on 10/02/2023 - 16:39
                  +1

                  @claud0902: You should look into ETH and BTC fees. If you don't offer a processing fee your transaction gets tossed to the back of the line and might not even get processed.

            • Nom on 10/02/2023 - 17:56
              +1

              @claud0902:

              Wechat and alipay ask merchant fees from the seller, not customers. The sellers may actually add this cost into their products/service, but they cannot do whatever they want as they face strong competition in the market if they cannot stay competitive. As a customer, you do not need to pay for the addtional transaction fee to the platform.

              That is exactly the same as the way credit card charges work.

              This whole process can be determined by the market itself

              You mean just like credit cards, which are offered in the competitive market to make a profit, and the market controls how expensive they are as a service ?

              we can finally get rid of these intermediated agents who does nothing but claims to be important.

              "does nothing" ? They're processing the payment and giving you "free" credit so the vendor gets paid and you can buy stuff 🤷🏼‍♂️

              • claud0902 on 10/02/2023 - 18:12

                @Nom: What is the problem though?

                Get rid of these intermediated agents who does nothing not the service provider who does something and makes it free on their customers. The credit card service process the payment for you as a buyer and in general, do not charge you service fee. Some do, obviously they are also the target I am against and personally avoid to use as we can use alternatives thanks to the market competition.

                • Trance N Dance on 10/02/2023 - 19:07

                  @claud0902: Because Visa and Mastercard ARE doing something. They're doing the exact same thing as wechatpay and alipay and any cryptocurrency. They're processing and facilitating money movement.

                  Who gets billed is semantics, in all of these scenarios someone gets billed for the service; it's just a matter of how are these fees passed onto the end payer, via increased item pricing or as an additional surcharge.

                  • claud0902 on 13/02/2023 - 16:59

                    @Trance N Dance: Again, what is the problem though? Keep stating fact does not help in the discussion.

                    The arguement here is, if the cost is passed to the seller, because of the competition from the market, sellers are forced to work on their pricing to make sure they are competitive. One service provider can choose to pass the cost to the customer, however if the competitior doesn't, the service provide may not be able to survive. If wechat pay decided to charge customer a transaction fee, they will not be able to stay in the market in China. Alipay will take every customer like they did before wechat pay entered as a competitor.

                    Same goes to apple pay, intially when they entered into Australia, there were news they planned to take a percentage of the item cost on each transaction. But the plan never made it, due to the competition from the market.

                    The above is the whole point of the discussion. And I strongly do not welcome any service providers make surcharge to their customers.

                    • Trance N Dance on 13/02/2023 - 17:25

                      @claud0902: That wasn't the whole point of the discussion, you basically implied that visa and mastercard did nothing but charge a surcharge. I pointed out that what visa and mastercard are doing are exactly the same as wechatpay and alipay. The only difference between the two for the sake of this argument is what each company charges to provide their service.

                      And I strongly do not welcome any service providers make surcharge to their customers

                      So you basically want someone to provide you a service for free? Do all the work and have no compensation?

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