Foreign Perspectives

Archive for the ‘Business’ Category

Amazingly many B&Bs still don’t accept credit cards and thereby end up losing business as many people prefer to pay directly with a card than to have to pay extra charges to lift cash abroad.

But, how do you do it?

Well, there are basically two ways that a B&B or self-catering complex can operate with a credit card.

1. Accept cards solely for deposits; and
2. Accept cards for all payments.

Naturally, it’s possible to start off just taking card payments for deposits and move onto accepting them for all payments. In fact, it’s useful to do exactly this to try out card payments for your business.

If you’re only taking card payments for deposits then you don’t need to sign up with a bank. The simplest way is to sign up with paypal for a business account. Payments received will cost you 3.4% plus 20p so if you take £10 will cost you about 54p (5.4%), £100 will cost £3.60 (3.6%) and £1000 will cost £34.20 (3.42%). These charges are similar to those that a small business would pay were they to do credit card processing via their bank in the UK but somewhat higher than the typical 0.75% for banks in France.

From these figures you’ll see that it’s best to use paypal for deposits. That way a typical 25% deposit will effectively cost you under 1% of the total bill for paypal processing.

You could use paypal to accept all payments but you would need your bookings to be paid 100% in advance to do that as you can’t easily use the paypal system to make on the spot payments (if you really have to you can do it by having the guest logging in using your Internet access and making the payment). So, if you want to accept all payments by card, then you need to get the little credit card machine.

To get a credit card machine setup you need to have a business bank account and, in most cases, have had it for six months although for B&B and self-catering properties the bank will normally waive the six months requirement. In France, you’ll need to be registered and provide your KBIS.

Costs for this vary a lot. You can buy your own machine but they’re rather expensive (typically £300/‚€500) and therefore most people rent them from the bank (around £20/‚€30 per month). In most cases you’re better to opt for a fixed installation as the portable terminals can cost 50% more. Other things to consider are which cards you’ll accept. Normally Visa/Mastercard are sufficient (and will include Visa Electron and Maestro). American Express is becoming more popular but is usually more expensive than other cards. If you get a lot of Japanese then it’s probably worthwhile taking JCB. You can even accept various storecards but unless you’re in a shopping centre it’s probably not going to be worth the extra expense.

How do you do it? Open a business bank account then apply for the credit card facility at your bank.

One thing to watch is that you will need Customer Not Present enabled. This lets you charge cards without having the credit card in your hand. You’ll need this to take deposits.

Is it worthwhile doing though? Yes, it is. Sure it will cost you more but you can take that into account in your pricing. If you assume that a credit card payment will cost you 4% then adding as little as 2% to your prices will pay for it all in that not everyone will pay by card and many of those that do will use a debit card which’ll cost you less. So, if you’re charging £50/night that equates to adding £1 to your charges. Incidently, don’t try adding that £1 only to credit card customers as you’ll just end up driving them away.

Google’s widespread dropping to zero of the pagerank of sites that accepted payment for links has kicked off quite a debate on the issue on various sites including their own webmaster blog.

For technical reasons, they would much prefer that all links between sites on the Internet are purely for altruistic reasons with no payment or other persuasion used. That was, to some extent, the case when Google Inc started up and when the initial university research project that led to the creation of Google Inc began but that’s eons ago in Internet time.

As we all know, the Internet is full of commercial sites these days with numerous sites selling everything from books to bookings for holidays. With this in mind many personal sites are approached by commercial ones asking for a link and offering money for it. Sure, there are commercial sites that ask for a link with no money on offer, but they don’t usually get too far unless they particularly stand out from the crowd in some way.

And then there are various types of directories that abound these days. I have a particular interest in the accommodation directories in that I run several of them myself. Much as I never considered these as selling links (and my sites don’t) it would seem that in Google’s eyes even the likes of Gites de France is selling links. After all, they charge something like EUR 1000 per year for a listing and isn’t that just selling a link?

Sure, GdF and the many other accommodation listings sites have a lot of text around that link but at the end of the day, how is that different from a blog that accepts sponsored posts?

As usual when there’s a Spanish holiday, we were pretty much completely full over the last couple of days and yet nobody took a breakfast!

In some ways that suits us as it gives us a bit of a break from the need to get up very early to do the breakfasts.

But why don’t they take them though? They certainly take breakfasts in hotels in Spain so why don’t they take them in France? Although it’s hard to give a definitive answer I suspect that it has a lot to do with the absolutely pathetic excuse for a breakfast that you get in most French establishments although funnily enough the price is the same or even higher than for breakfasts in the Spanish equivalent and in Spain you get a very full breakfast for that money.

So, it’s probably down to the French not really “doing” breakfast as a proper meal.

1and1 have something of a reputation of making it difficult to transfer domains away from them and rightly so as no matter how much you look around their website, you’ll not find how to do it.

It’s actually fairly easy once you find the site that you need to do it from.

1. login to your 1and1 account and unlock the domains that you want to transfer (you’ll find the unlock option on clicking the info tab on your domain management screen);
2. it’s a good idea to change the name servers at this point to point to those of your new hosting service and, of course, to upload your site to it’s new location if you’ve not done that already;
3. if you’re using whois privacy you’ll need to disable that before proceeding; 
4. register the domain with your new registrar and acknowlodge the request when you receive the e-mail (this is sent to the e-mail address recorded for your domain so check that it’s correct by looking up the domain on whois);
5. go to the 1and1 contracts site and cancel the parts of the contract referring to the domains that you want to transfer (set the cancellation options to “as soon as possible” and “on “change provider”;
6. acknowledge the e-mail that 1and1 will now send you.

OK, so it’s a bit convuluted but once you know the address of the 1and1 contracts site at least you can do it.

How long does it take? It’ll take you about 15 minutes to work through all that plus a few minutes per additional domain. The transfer itself can take anything from a few hours to several days.

In common with all Spanish holidays, we’re completely full with Spanish guests this evening thanks to the Spanish holidays on December 6th (Constitution Day) and December 8th (Immaculate Conception).

Or, rather, we’re full of people from Spain but going by those that arrived last night not all of them will be Spanish. Thanks to the rising nationalism in Catalonia, the Spanish language isn’t actually taught in the schools just south of the border and it’s becoming increasingly common to have “Spanish” guests arrive who can’t speak Spanish. Unfortunately, the emphasis on Catalan means that it’s the only language that they can speak truly fluently and we’ve been reduced to hand signals on a couple of occasions in the recent past.

In fact, the introduction of Catalan only schools from around 1983 looks like it will have the effect of cutting off Catalona not only from Spain but from the rest of the world too. That date of introduction means that the first generation of workers who only speak Catalan have been coming into the workforce over the last couple of years and with that it’s becoming more and more difficult to deal with shop assistants who are, of course, at the younger end of the workforce.

Although, it’s nice to see that a local language is on the rise, the concentration on Catalán to the exclusion of other languages seems likely merely to alienate all the non-Catalans. Whereas elsewhere in Spain it’s expected that the locals will speak English, in fact most of the younger guests that we’ve had over recent months couldn’t speak English well and for that matter couldn’t speak French well and Spanish not at all.