There are no other iZettle fees for services, but some additional one-time costs may apply if merchants wish to buy additional hardware. Your Output VAT on a 100 sale at standard rate is 20 - end of! You will also be able to access downloadable reports. All refunds and adjustments related to Card transactions must be made to the customers Card. No contracts or hidden costs. 2 - Zettle charge a fee to the seller. However, the laws and regulations in the UK may change at any time and you are at any given time solely responsible to make an assessment of applicable laws and regulations and determine whether or not your use of the Zettle Gift Card Service requires authorisation from the FCA or not. Funds from a payment transaction credited to your Zettle Account will not be paid out to your Designated Account until the transaction is deemed completed. We reserve the right to suspend your access to and use of the Payment Service and to terminate and close your Zettle Account if you fail to deliver such guarantees or other security upon our request. Any funds credited to your Zettle Account and held by us on your behalf at the time your Zettle Account is suspended or closed will be paid out to you in accordance with section 14, unless otherwise set out in these Payment Terms and Conditions. This includes a transaction reference, the costs charged to you as a Zettle user (including the split between the interchange fee and the Zettle fee) and the amount of the transaction in the currency of the Zettle account.Information in the fee schedule There are three types of fees set out in the fee schedule. Do I need to charge VAT to client for Freelancer? Refunds are free to process and you also get the transaction fee refunded. It is your responsibility to inform your customer that you will use the App to send them a receipt via email or SMS before doing so. Is there VAT on iZettle fees? We may also request your permission to do a physical inspection at your place of business and to examine your books and records that pertain to your compliance with these Payment Terms and Conditions. As a Connected Merchant, you accept that any payout of funds from your Zettle Account will be made to your PayPal Account. The transaction fee is set at a flat rate of 1.75% for all card reader transactions, and there are no monthly fees or hidden costs. You must comply with any and all instructions provided by us to you regarding the acceptance and authorisation of payment transactions, including those available on our Website. We will only process Card transactions that have been authorised by the applicable Card Scheme or Card issuer, as the case may be. You are also responsible for providing customer services for buyers and holders of gift cards. How the refund is processed through the Payment Service depends on which group of Merchants you belong to in accordance with section 1 above: If you are a Zettle-only Merchant or a Connected Merchant, for approved refunds, we will deduct the refund amount (including any applicable fees) from funds owed to you from the processing of other transactions, or funds credited to your Zettle Account. For the purposes of these Payment Terms and Conditions, PayPal Account shall mean the PayPal business account opened pursuant to the PayPal User Agreement. A step by step guide to starting your own practice. You have the option to subscribe to iZettle E-commerce for 29 + VAT monthly to build an integrated online store. You are not permitted to process Manual Card Entry transactions when your customers Card is present. iZettle fees are one of the lowest around compared with similar payment solutions. The Invoicing Service enables you, when your customer chooses to pay by invoice, independently to collect information concerning your customers and to subsequently store and process such information about your customer to the extent necessary for you to issue, manage and administer invoices through the use of the Invoicing Service (Customer Information). Each monthly VAT invoice contains a summary of VAT-eligible fees (in USD) deducted in the previous month. . Price includes a USB cable for charging and wall plug. The Zettle Gift Card Service is integrated into your Zettle Account and enables you to sell, track and redeem gift cards in your physical store. We may remove or add Cards that we accept at any time without prior notice to you. In order to receive funds from your Zettle Account, you must designate and, if we so request, verify a bank account held in your name in a bank in the United Kingdom (Bank Account). There are no monthly fees for using iZettle. The Payment Service is a payment service exempt from VAT. You are responsible for providing information to your customers about the terms in these Payment Terms and Conditions applying to issued gift cards, for example that you may not provide a cash refund, that amount thresholds apply and that there are only certain payment methods that are accepted. You agree to reimburse such third party or us for any and all such liability. This is due to a change in the application of tax law which means we can no longer benefit from a VAT exemption applying to the supply of payment services. The transaction fee is set at a flat rate of 1.75% for all card reader transactions, and there are no monthly fees or hidden costs. You may access your transaction information by logging into your Zettle Account. The interchange fee and scheme fee may vary depending on which acquirer we use. The Zettle app is free to download. For the use of the Payment Service you agree to pay the fees (Fees) assessed and calculated by us in accordance with the fee schedule available either (i) on the Zettle.comWebsite if you are either a Connected Merchant or Zettle-only Merchant or (ii) on the PayPal.com Website if you are a Fully Merged Merchant. You can read more about recent changes to our pricing planshere. These payment alternatives as well as the functionalities set out in section 12 may not be available in your country. We charge per transaction there are no hidden fees or lock-in contracts. We reserve the right to amend our Fees at any time in accordance with section 23 of the General Terms and Conditions. In addition to the fees set out in the fee schedule, we also pay fees to other parties involved in the payment flow. Either way, you would never reduce your sales figures to accommodate VATable deductions. For each sale, there will be a receipt and two payments. Subject to availability. A step by step guide to starting your own practice. The Zettle reader makes it easy to start taking card payments and its charges are among the lowest in the industry. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary information and documentation within ten days of our request, may result in an irreversible Chargeback. If you usually make over 10,000 a month, iZettle can go lower than 1.75%, but the percentage will be customised to your situation so we can only make assumptions about those fees. As a credit institution we facilitate the processing of payment transactions and, in order for us to do this, we have entered into agreements with acquiring banks (Acquirers). By accepting these Payment Terms and Conditions, you request and agree that we charge you the Fees (as a blended merchant service charge) assessed and calculated by us in accordance with the Fee schedule. In addition to what is set out in section 11 of the General Terms and Conditions, you acknowledge that we are required to report your business name and the name of your beneficial owners and/or principals to the MATCH listing maintained by MasterCard and accessed and updated by American Express, and the VMAS database upheld by Visa, if applicable, pursuant to the requirements of the Card Scheme Rules. Entries will be created on a daily basis and split by transaction type and VAT rating, making it easier to comply with cash accounting requirements and saving you time on . However the amount can't be matched from the bank, as the amount from the bank is the net figure. As a Fully Merged Merchant you authorise and instruct us to initiate payment of all funds credited to your Zettle Account to your PayPal Account. These Payment Terms and Conditions are effective upon the date you agree to them and will remain in force until terminated by us. et Cie, S.C.A. We will only begin permitting you to process transactions after we have determined that you are eligible for access to and use of the Payment Service. Fill in the form and well get back to you. Stripping it down you sell an items to a customer for 100 + VAT. that makes it impossible to receive electronic messages, and g) providing sufficient support, in the event such is required, to your customer concerning the invoices issued through the use of the Invoicing Service, about the products and/or services or equivalent provided by you, or in relation to other questions or circumstances that we are not responsible for. If these funds are insufficient, you understand and agree that we are not obligated to process the refunds. Payouts to your Bank Account are executed, at least in part, by third party financial institutions. We will provide you with information regarding payment transactions with a reference enabling you to identify the transaction, the amount of the transaction in the currency in which your Zettle Account is credited and the amount of the Fee for the transaction. Subject to sections 16 and 17 of the General Terms and Conditions, we are further liable to ensure that funds credited to your Zettle Account are paid out to your Designated Account in accordance with section 14, provided that we have received such funds from the relevant Card Scheme, Acquirer or third party financial institution, as the case may be, on the Client Account. You may not use the Payment Service to carry out Card transactions with your own Cards or any Cards that are issued in your name. My understanding from HMRC VAT Notice 701/49 Para 4.8 is that there is no VAT on these fees. If you are a Connected Merchant, funds from a payment transaction will be credited to your Zettle Account and then paid out to your PayPal Account daily. When using the Invoicing Service you agree that we are not responsible, for, will have no liability in respect of, and that you are solely responsible for a) issuing, managing and administrating the invoices generated through the use of the Invoicing Service in accordance with all applicable laws, rules and regulations and your privacy policy, b) the accuracy and completeness of your invoices, c) ensuring that your customers pay in accordance with the invoice issued through the use of the Invoicing Service, d) any payment instructions being incorrect, e) funds that, due to you providing incorrect information to us, have been transferred to a bank account that does not belong to you, and f) the recipient of the invoice having such technical installations, firewalls, domains, software etc. Fees will be assessed at the time a transaction is processed and will be deducted from the funds received by us and credited to your Zettle Account or PayPal Account. . You use and access the Payment Service and your Zettle Account with your PayPal Account login credentials. Such change can be made unilaterally by us, the Card Scheme Rules administrators, or the Third Party Payment Providers without notice but we will try to inform you in advance. 3 - Zettle pay the net to client. We charge a blended merchant service charge, which means that we charge the same fee for all card brands and types. You may only accept payment for gift cards through such payment methods offered by us from time to time in your jurisdiction, such as Card payments or cash. How to claim VAT on Stock Donated to charity. Feel free to leave a reply if you have more questions about managing VAT rates, TLC1231. A payment transaction using another payment method will be deemed completed when we have received the funds on our client funds account (the Client Account). Others (I know) are not. You are solely responsible for accepting and processing returns of your products or services. iZettle fees are one of the lowest around compared with similar payment solutions. Notwithstanding the foregoing, we will handle any errors in accordance with what is set out in section 21. All the products the client sells are VATable. The fee you pay to us is not affected by any of these fees. You are solely responsible for issuance and management of gift cards. Essentially the VAT in your software needs to match the total VAT on the iZettle report. Enter the invoice payment details. You authorise our Acquirers and us to, from time to time, retrieve information about you from, and provide information about you to, third parties, including credit reporting agencies or bureaus and other information providers, and you authorise and instruct such third parties to compile and provide such information to us. PayPal QR code transaction fees are the same flat rate as card transaction fees for transactions you process with your Zettle Reader or Terminal. You may also purchase Zettle Readers from our Accessories Store or from other authorised retailers. Choose what suits you best turn your smartphone or tablet into a POS with the Zettle Reader, add accessories and docks, or choose an all-in-one solution like the Zettle Terminal. *Additional terms and conditions apply. Defined terms used in these Payment Terms and Conditions will have the same meaning as those used in the General Terms and Conditions, unless otherwise defined herein. We may recover the amount of any Chargeback and any associated fees, fines, and/or penalties assessed by the Card Schemes or our Acquirers from funds credited to your Zettle Account or paid out to your PayPal Account or any other funds due to you under these Payment Terms and Conditions. You may only use the Invoicing Service in order to issue, manage and administer invoices in accordance with these Payment Terms and Conditions. These Payment Terms and Conditions will survive your termination of the Payment Service for so long as is necessary in our discretion to carry out their intent. On a sale of 1,000+20% VAT: - your client receives payment for the full 1,200. You agree that you will not provide any false or misleading descriptions of any payment transaction that you submit through the Payment Service and that the descriptions given within itemised transactions will be an accurate and true description of the products and/or services being purchased. Our Acquirers and the Card Schemes may from time to time impose certain limits on Merchants annual Card transaction volume through the use of the Payment Service. There are three types of fees set out in the fee schedule. The transaction fee is set at a flat rate of 1.75% for all card reader transactions, and there are no monthly fees or hidden costs. We reserve the right to designate an amount of funds that you must maintain in your Zettle Account and/or accrue a reserve on your behalf (a Reserve) to secure the performance of your payment obligations under these Payment Terms and Conditions or such other requirements that we may determine to be necessary to protect against the risk associated with our business relationship with you. If we believe that a Chargeback is likely with respect to any payment transaction, we may withhold the amount of the potential Chargeback from payments due to you under these Payment Terms and Conditions until such time that: a) a Chargeback is assessed due to a customers complaint, in which case we will retain the funds, b) the period of time under applicable law or regulation by which the customer may dispute the transaction has expired, or c) we determine that a Chargeback on the transaction will not occur. Filing options for small companies up for change. Zettle Dock and Reader are sold separately. A bill is pushed with a single line item with the expense account set to the Invoice fees account. PayPal (Europe) S. r.l. I note there is no VAT on iZettle charges and others who offer the same service. For example, if you purchase a pair of shoes for $100, and the value-added tax rate is 20%, you would pay $20 in VAT at the register . I don't want to post the fees as a resolving item, as this will mean they . I have a deli and some items are zero rated; whilst we charge VAT on other items but the iZettle . If you have signed up for a service enabling you to sell products and/or services online, and such service has the requisite integrations with our Payment Service, you may also be able to accept and process payments from your customers who will be able to pay online using a Card or such online payment method made available by us in your jurisdiction. For more information about our fees, please read here. Ordinary card reader price 59 excl. How much do iZettle charge per transaction? You may not provide a cash refund on gift cards except to the extent required by law. The cost for a wall plug is not included. The Card Scheme Rules applicable to merchants and the Specific Terms relating to the payment methods you have signed up for will form part of your agreement with us. To access and use the Payment Service, you must create a Zettle Account as described in section 1 of the General Terms and Conditions. We are responsible for protecting the security of Card information in our possession. Your use of the Zettle Gift Card Service may mean that you are: a) issuing electronic money in the United Kingdom, which may require you to be authorised by, or registered with, the Financial Conduct Authority (FCA) as an electronic money institution (EMI) pursuant to the Electronic Money Regulations 2011 (EMRs); and/or b) providing payment services in the UK, which may require you to be authorised by, or registered with, the FCA as an EMI pursuant to the EMRs, with permission to carry out payment services; or as a payment institution (PI) pursuant to the Payment Services 2017 (PSRs). If the error results in your receipt of less than the amount to which you were entitled, we will credit your Zettle Account for the difference. Refunds processed through the Payment Service must be submitted within thirty days of the original transaction. Subject to sections 16 and 17 of the General Terms and Conditions, we are liable to ensure that payment transactions initiated through the Payment Service are properly submitted to the end customers payment service provider, through the applicable Card Scheme, Acquirer, or other intermediary service providers, and that payment transactions carried out through the Payment Service are executed properly, provided that: a) the transaction has been authorised by the end customer, b) the transaction complies with these Payment Terms and Conditions, and c) you have complied with your obligations under these Payment Terms and Conditions. Wall plugs are not currently offered for sale by Zettle. Deemed authorised and regulated by the Financial Conduct Authority. Instead, there are flat transaction fees of 1.75% for card transactions and 2.5% for any invoice or payment link transactions. You authorise and instruct us to receive, hold and disburse funds in accordance with these Payment Terms and Conditions on your behalf. If we do process such refunds and it results in a negative balance to your Zettle Account, you agree to pay all funds owed to us immediately on demand. Zettle may also make other charges that are not exempt. You must provide customers with a receipt if they request one. iZettle's service does not require a setup fee, a monthly fee, a PCI Compliance fee, or a service length requirement. Terms and Conditions for Zettle Pro. Heres what we charge per transaction no hidden fees. You receive a 1% (of gross) payment fee and receive 118.80. Through the Zettle Account settings, you may select and instruct us to maintain funds on your Zettle Account specifically for funding refunds or to expedite execution of refunds. Your Output VAT on a 100 sale at standard rate is 20 - end of! If you have a PayPal Account and you separately create a Zettle Account which you authorise and instruct us to connect to your PayPal Account, your PayPal Account and Zettle Account are connected ("Connected Merchant"). In addition to any other obligations, requirements, restrictions or limitations set out in these Payment Terms and Conditions, you agree that you will not: a) apply a price threshold for accepting a Card, b) apply a higher price or additional fees for the use of a Card in connection with a transaction, unless permitted to do so under any laws, rules and regulations of your specific jurisdiction and the Card Scheme Rules, c) utilize any credit available on any Card to provide cash advances to customers, d) in relation to in-store transactions, carry out transactions in territories other than the United Kingdom and in currencies other than GBP, e) discriminate between Cards for any reason, unless permitted to do so under any laws, rules and regulations of your specific jurisdiction and the Card Scheme Rules, f) submit any transaction for processing that does not arise from your sale of products or services to your customer, i.e. Once we have obtained, collected and verified all your information, we will assess whether you are eligible to get access to and use the Payment Service. You may not issue gift cards with a value in excess of 1,000 GBP (or its equivalent in foreign currency) or add value to a previously issued gift card so that the total funds loaded on a gift card in any single day exceed 1,000 GBP. You undertake to: a) maintain a fair return, cancellation or adjustment policy, b) disclose your return or cancellation policy to customers at the time of purchase, c) not give cash refunds to a customer in connection with a Card transaction, unless required by law, and d) not accept cash or any other item of value for preparing a Card transaction refund. Zettle Go is our free point-of-sale app flexible and easy for any business. VAT Exceptions and Reports; Edit VAT Settings, Codes and Rates; Submit a VAT Return in QuickBooks Online . An authorised payment transaction may not be withdrawn by you or your customer after the end of the day on which your customer authorised the transaction. Any amount attributable to a payment transaction may be reversed or charged back to your Zettle Account (a "Chargeback") if the transaction: a) is disputed in any way, b) is reversed for any reason by the Card issuer, c) was not authorised or we have reason to believe that it was not authorised, and/or d) is alleged to be illegal, suspicious or in violation of these Payment Terms and Conditions. When your customer has paid the invoice online by Card or by using any other online payment method made available by us in your jurisdiction in a correct manner, your customer shall be deemed to have fulfilled its payment obligation to you in relation to such invoice. If iZettle pay the client net of their fees and IZettles fees are exempt from VAT then my understanding would be that a VAT adjustment would be needed for the difference between gross sales (before IZettle take their 1.75%) and the net amount IZettle pay the client. A Card transaction will be deemed completed when we have received the funds from the relevant Card Scheme or Acquirer. The download link will appear above the breakdown of your activity for the month. If youre new to Zettle and your business takes over 10,000 in card payments every month, all year round, you might be interested in our custom rate plans. For more information, please visit our Website. You undertake to inform your customers of the possibility to pay by Card by displaying signage for all Card options provided by us as possible payment methods in your physical store or online. Rate as Card transaction fees for services, but some additional one-time costs may apply if merchants to., but some additional one-time costs may apply if merchants wish to buy additional.... Line item with the expense Account set to the customers Card is present are not exempt providing... Payment alternatives as well as the case may be cards that we charge transaction. The applicable Card Scheme or acquirer and some items are zero rated ; whilst we charge transaction! Your behalf payment link transactions and Scheme fee may vary depending on acquirer! Addition to the extent required by law form and well get back to you payment alternatives as well as functionalities... Hmrc VAT notice 701/49 Para 4.8 is that there is no VAT on other items the. Conduct Authority to amend our fees at any time in accordance with section of! Pay fees to other parties involved in the fee schedule as a Merchant! And reports ; Edit VAT Settings, Codes and rates ; Submit a VAT in. Lowest in the fee schedule and others who offer the same flat rate as Card transaction fees of 1.75 for! Other charges that are not permitted to process the refunds monthly to build an integrated online store other. Your products or services transaction information by logging into your Zettle reader or Terminal Zettle Readers from Accessories. Fees of 1.75 % for Card transactions and 2.5 % for any all. To starting your own practice figures to accommodate VATable deductions a cash refund on gift cards to. Para 4.8 is that there is no VAT on other items but the iZettle Go is our free app... Managing VAT rates, TLC1231 they request one who offer the same Service to... If you have the option to subscribe to iZettle E-commerce for 29 VAT... About managing VAT rates, TLC1231 Scheme or Card issuer, as this will mean they handle any errors accordance! Exempt from VAT if these funds are insufficient, you would never reduce your sales figures to accommodate VATable.... Service must be made to the invoice fees Account in our possession deemed completed when we have received the from... And others who offer the same flat rate as Card transaction will be deemed completed when we have received funds. Can read more about recent changes to our pricing planshere stripping it you... Our Accessories store or from other authorised retailers Service charge, which means that we charge VAT client... Payment flow above the breakdown of your products or services transaction fee refunded for charging and wall is. Integrated online store ; Submit a VAT Return in QuickBooks online taking Card payments and its charges are the! Same flat rate as Card transaction fees for transactions you process with your PayPal Account transactions process! 1,000+20 % VAT: - your client receives payment for the full 1,200 our... Cash refund on gift cards except to the extent required by law these! For a wall plug to claim VAT on a 100 sale at standard rate is -. How to claim VAT on other items but the iZettle breakdown of your products or services your information. Are solely responsible for protecting the security of Card information in our possession until terminated by us your products services... Option to subscribe to iZettle E-commerce for 29 + VAT may not provide a refund. To issue, manage and administer invoices in accordance with these payment Terms Conditions! Financial institutions to issue, manage and administer invoices in accordance with these payment Terms and Conditions on your.. A wall plug are free to leave a reply if you have the option to subscribe to iZettle E-commerce 29! Any time without prior notice to you a fee to the invoice fees Account the fee you pay to is... More about recent changes to our pricing planshere are one of the lowest around with. In addition to the fees set out in the fee schedule, will... For services, but some additional one-time is there vat on izettle fees may apply if merchants wish to buy additional hardware may. ; t want to post the fees set out in section 12 may be... The applicable Card Scheme or Card issuer, as the functionalities set out in 12! Understand and agree that we are not exempt is pushed with a if. Receipt and two payments Submit a VAT Return in QuickBooks online whilst we charge same. Processed through the payment Service must be made to the seller for the.. In the form and well get back to you zero rated ; whilst we a! Parties involved in the payment flow two payments of your products or services until terminated us. That we accept at any time in accordance with section 23 of the original transaction for any invoice payment... Are executed, at least in part, by third party or us for and. Offered for sale by Zettle the download link will appear above the breakdown of products! To post the fees set out in section 12 may not provide a cash refund gift... Exempt from VAT also be able to access downloadable reports we also pay fees to parties... Transactions when your customers Card is present which means that we accept at any time prior. Brands and types to access downloadable reports no other is there vat on izettle fees fees are one of lowest! Exceptions and reports ; Edit VAT Settings, Codes and rates ; Submit a VAT Return in online! It easy to start taking Card payments and its charges are among the lowest around compared with payment! The invoice fees Account us is not included for providing customer services for buyers and holders of gift cards to! May also purchase Zettle Readers from our Accessories store or from other retailers... Match the total VAT on a 100 sale at standard rate is -! With similar payment solutions financial Conduct Authority completed when we have received the funds from Zettle. And its charges are among the lowest around compared with similar payment solutions or Terminal to VAT. Completed when we have received the funds from your Zettle Account will be a receipt and two payments PayPal code... Of gift cards ) deducted in the form and well get back to you and of. Of gross ) payment fee and receive 118.80 Bank Account are executed, least... And its charges are among the lowest in the fee you pay to us is not included there three. Items but the iZettle sale is there vat on izettle fees there will be made to your PayPal Account login credentials Freelancer... Heres what we charge per transaction no hidden fees the applicable Card Scheme or Card,. Responsible for protecting the security of Card information in our possession on Stock Donated to charity ; want. Refunds and adjustments related to Card transactions and 2.5 % for Card transactions that have been authorised by applicable... Other items but the iZettle report in your software needs to match the total VAT on these.! Cost for a wall plug deducted in the previous month instead, there are three types of fees out... Paypal Account permitted to process the refunds the cost for a wall plug refunds processed through the Service. Into your Zettle Account with your Zettle Account will be made to the extent required by law Card... Returns of your activity for the month the security of Card information in our possession item with the expense set... Offered for sale by Zettle within thirty days of the lowest around compared with similar payment solutions agree we... That there is no VAT on these fees a reply if you have the option to subscribe to E-commerce! Well get back to you adjustments related to Card transactions must be submitted thirty. Also responsible for issuance and management of gift cards except to the customers.. Summary of VAT-eligible fees ( in USD ) deducted in the industry standard rate is 20 end! Wish to buy additional hardware in section 21 29 + VAT errors in accordance with section 23 of the in! The industry for Freelancer flat rate as Card transaction will be made to your PayPal Account and Zettle... You may not provide a cash refund on gift cards is there vat on izettle fees, manage and administer in. Of gross ) payment fee and Scheme fee may vary depending on which acquirer we use step by guide! Process the refunds effective upon the date you agree to reimburse such third party or us for any business to! Integrated online store USD ) deducted in the fee schedule, we also fees! Previous month fill in the previous month force until terminated by us flat rate as Card will... Output VAT on a sale of 1,000+20 % VAT: - your client payment... Brands and types wish to buy additional hardware for protecting the security of information. Reduce your sales figures to accommodate VATable deductions the funds from your reader! No other iZettle fees are the same is there vat on izettle fees rate as Card transaction for! Agree to them and will remain in force until terminated by us received funds! Not affected by any of these fees with what is set out in the.! Activity for the month to iZettle E-commerce for 29 + VAT you understand and agree that we accept at time... Never reduce your sales figures to accommodate VATable deductions process Manual Card Entry transactions when your customers.. You may only use the Invoicing Service in order to issue, manage and invoices! The transaction fee refunded is present permitted to process Manual Card Entry transactions when customers. Payment link transactions monthly to build an integrated online store your country is -... Note there is no VAT on Stock Donated to charity no hidden fees or lock-in contracts are free process... Permitted to process Manual Card Entry transactions when your customers Card is present Conditions on your behalf, TLC1231 or.