The Tillio notes

Notes from behind the
counter

What card payments really cost, how to cash up faster, and what to do when a reader gives up on a Saturday.

Notes

Notes for shopkeepers

Starting a shop: what payments cost in year one

What a first-year shop should budget for card payments, and the two contracts worth refusing.

What a card payment actually costs a small shop

How to read a card statement, and the four charges that hide underneath the headline rate.

What to do when the reader stops working

A short, ordered checklist for a dead card machine, and how to keep trading while you fix it.

Cashing up in four minutes

A shorter end-of-day routine, and why the card figure should be settled before you count the cash.

Taking payment away from the counter

Five places a shop loses sales because the card machine cannot move, and the fix for each.

Ready when you are