What payment methods do you accept?

What payment methods do you accept?

Stripe Payment Gateway (Card Processor)
Our default payment gateway (Stripe) will accept card payment via a valid Debit/Credit card that has the Visa, Mastercard, American Express, Discover, China UnionPay, or Diners card logo on it.



Please Note:  Effective immediately, we no longer accept payments via EPS, Bancontact, Giropay, Multibanco, Przelwy24, Alipay and WeChat as the costs for accepting payments via these gateways are about to almost double, and I do not want to raise my prices to cover the far higher processing costs.

If you have Apple Pay, Google Pay or Microsoft Pay, etc. set up (with the relevant web browser), you will also see an option to use this to pay via the checkout page.


GPay will be shown as Browser Payments with the GPay logo next to it. As shown below:

Stripe is widely used and trusted by millions of companies, including Amazon, Google, Sony, Target, Zoom, and many more, you can find more examples here: https://stripe.com/gb/customers

*Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry.


Square Payment Gateway (Card Processor)
Our secondary payment gateway (Square) will accept card payment via a valid Debit/Credit card that has the Visa, MasterCard, American Express, Maestro, Visa Electron or Vpay logo on it.
JCB, Discover or China Union Pay cards are not accepted via Square (the cards supported are set by the card processors, not us). 

*Square complies with all required PCI standards.


Security
The payment gateways/services I use are secure and widely respected, and our sites do not capture or store any card data (all card data is actually entered on the card processors own payment gateway servers, securely protected via SSL/TLS and all payment gateways used (Stripe and Square) are fully PCI compliant*). The same is true for both Apple and Google Pay (payments are dealt with by the relevant payment app).

Please feel free to contact me via the contact page here if you have any questions.

Why Do You Not Accept PayPal?
I have been in computer security for over 35 years, and been creating and offering maps for almost 20 years now.

Talkytoaster used to accept and use PayPal (as one of the payment methods), but over the last two years I have found PayPal to be very poor, both in handling payments, dealing with issues, security, functionality, etc.
Here’s a more specific PayPal example (based on a real event):

I was recently contacted by a customer that had used PayPal to pay for a map order, the customer was charged the correct amount via PayPal by my site, for example £11.00, and after PayPal had taken their fees I was paid the balance, around £10.20 (or so).

However, in reality PayPal actually charged the customer’s credit/debit an amount that was over seven times the correct value; in this modified example of a real customer issue, PayPal actually charged the customers credit/debit card £82.00! 

PayPal refused to refund the customer the excess money that they (PayPal) charged to his debit card (over and above the actual cost of the goods from Talkytoaster), you have been warned!

If I had received the wrong amount (via PayPal), I would have contacted the customer and refunded any over payment, but in this case the error is down to PayPal’s own internal systems/processes and not our sites or services.

This is just one example of why we no longer accept PayPal, and why we no longer recommend customers use it at all.

If you don’t believe me, look at their trustPilot rating and reviews: https://uk.trustpilot.com/review/www.paypal.co.uk and https://uk.trustpilot.com/review/www.paypal.com

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