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### [![Complete Guide to Using Odoo](https://go.stancer.com/hubfs/article_guide-complet-d-utilisation-odoo-1.avif) Online Sales 12 Nov 2026 4MIN Complete Guide to Using Odoo Are you considering launching your online store on Odoo? This practical guide explains step by step how to set up your online store with Odoo and equip it with everything needed for ideal operation. What is Odoo? Odoo is a business management software that brings together several applications to help you manage your day-to-day operations. With Odoo, you can centralize the management of your sales, purchases, inventory, accounting, and much more, all in one place. Setting up your store in Odoo Creating an online store in Odoo is simple and intuitive. Follow these steps to set up your store: 1. Create your store: Log in to your Odoo interface. Go to the Apps tab and click on the eCommerce module. Follow the instructions provided by Odoo to configure your store. 2. Optimize your store: Add your products with detailed descriptions and attractive images. Configure shipping and payment options. Customize your store's appearance to reflect your brand. Use the necessary modules such as the Inventory module for product sales, Marketing modules for customer conversion optimization, and others. Refer to the full list of Odoo modules. For more details on creating and optimizing your Odoo store, you can refer to the documentation available on the official Odoo website. Why choose Stancer for your Odoo store? For an online store, having a reliable and secure payment solution is essential. Once your store is created in Odoo, you'll need an efficient payment method. Stancer is perfectly suited to this need, offering a smooth and secure payment experience for your customers. How to use the Stancer payment module in Odoo? 1. Create a Stancer account To start using the Stancer payment module, you must first create a Stancer account. Once your account is created and validated by our team, you can start using our solutions and install our payment module on your Odoo store. 2. Install the Stancer module in Odoo Log in to your Odoo interface. Go to the Apps tab. Search for the Stancer module and click on Activate. You have just downloaded the Stancer module. Follow the steps below to configure it for your store. 3. Configure the Stancer module Go to Sales then Configuration. Select Payment Provider and choose Stancer. Activate the Stancer module. To accept real payments, choose Enabled. To run tests, choose Test Mode. It is always best to start with Test Mode to test your store before making it public. By testing it, you minimize the risk of errors and optimize the experience for your future customers. Log in to your Customer Area on Stancer and go to the "Developers" tab to get your test or production API keys. In Odoo, enter the API keys you obtained in the appropriate fields in the API Keys section. Make sure to correctly fill in the fields for the payment page and API URLs. This information is essential for Stancer to communicate correctly with your online store. If you wish, enable iframe integration for a smoother user experience. For more information on iframe integration, refer to our documentation. 4. Accept card payments Once the module is configured, your customers will be able to pay by bank card directly on your site via the Stancer payment page. The module is compatible with the 3D Secure protocol, offering additional security for all your transactions. By following this guide, you are now ready to launch your online store on Odoo. By integrating the Stancer payment module into your store, you can start and grow your online sales business with ease, while offering your customers a secure and smooth payment experience. To go further in equipping your store, discover our selection of must-have tools for e-commerce. For more information, refer to our documentation. Read more](https://go.stancer.com/en/blog/online-sales/complete-guide-to-using-odoo)

### [![Say Goodbye to Minimum Card Payment Amounts with Stancer](https://go.stancer.com/hubfs/article_adieu-montants-minimum-par-cb-1.avif) Payment 12 Nov 2026 3MIN Say Goodbye to Minimum Card Payment Amounts with Stancer The minimum bank card amount sometimes required by certain stores excludes purchases of less than around ten euros. This practice often encourages customers to increase their basket in order to be able to pay by card. Is it legal to do this? What solution should be put in place to promote a better shopping experience? An overview. Can a merchant impose a minimum card payment amount? Subject to informing the buyer, the merchant has the right to require a minimum card payment amount. This mention must be visible at the store entrance and in front of the till. Depending on the establishment, the minimum card amount varies. To date, there is no legal minimum for card payment or defining a maximum payment limit by card. Why is the card refused for small amounts in some establishments? Unlike cash payment, card payment involves other actors. Thus, several deductions are made with each card payment operation and billed to the merchant. These include, among others, bank network fees, interchange commissions, and fixed deductions from intermediaries. It must be acknowledged that this payment method is far from being free. This is why some establishments apply a minimum card amount to encourage the customer to spend more. To accept the card, the merchant then sets a minimum threshold to compensate for the volume of commissions. What business impacts for a merchant who refuses the card? Of course, imposing a minimum card payment amount negatively impacts a business. Customers prefer to spend just as much as their needs rather than making additional purchases solely in order to be able to pay by bank card. The minimum card payment amount can also force them to withdraw cash from the nearest ATM. If the store is far from an ATM, it can then rule out the potential customer. Discover the payment terminal suited to small amounts Make card payment your competitive edge by choosing the Stancer payment terminal. Restaurateurs, tobacco shop owners, or mobile traders, say goodbye to the minimum card amount! Stancer significantly reduces transaction fees on small-amount bank card payments and allows you to accept bank card payment without restriction. Buyers can use their cards without having to inflate their bills to reach the minimum card payment amount. At 0.7% commission per transaction under €7, Stancer offers an affordable POS solution for merchants. This service is available without subscription and without commitment! Offer your customers a secure payment experience at a lower cost. Read more](https://go.stancer.com/en/blog/payment/say-goodbye-to-minimum-card-payment-amounts-with-stancer)

### [![Card Payment Without a Terminal: It's Possible with Stancer](https://go.stancer.com/hubfs/article_paiement-cb-sans-terminal.avif) Payment 12 Nov 2026 3MIN Card Payment Without a Terminal: It's Possible with Stancer Card payment without a terminal is a remote payment method that can be performed without having to install an electronic payment terminal. Businesses can easily accept online payments by providing customers with a payment link. Customers can then make a remote payment using their bank card. Businesses thus accept remote payments with payment methods similar to those used for in-store payments, thanks to a secure payment system. Why collect payments from your customers remotely? The benefits for customers paying remotely (card payment without a terminal) with Stancer are numerous. Customers can choose from a variety of payment options, including bank transfers, bank cards, electronic wallets (or wallets), and mobile payments. Moreover, the payment process is fast and secure, and their information is protected. Customers can also benefit from additional features such as payment notifications and refund options. The benefits of card payment without a terminal for businesses are equally numerous. Businesses can receive payments in real time and easily track remote sales transactions, including those coming from mobile payment terminals, for their follow-up. They can also benefit from rates tailored to their specific needs and additional features, such as payment management tools, additional security processes, and integration options. Businesses also benefit from 24/7 customer support and a fast and efficient problem-resolution process. Using payment links Using payment links is a terminal-free payment feature offered by Stancer that allows businesses to create unique payment links that can be shared with their customers. Customers can use these links to make online payments securely. Payment links can be sent by email or SMS, or integrated into websites or mobile applications. Payment links are secure and guarantee the confidentiality of customers' payment information. Creating a website with an online payment solution Creating a website with an online payment solution means integrating an online payment platform into your website so that your customers can make their online purchases securely. An online payment solution allows you to accept payments by credit card, bank transfer, electronic wallet, or mobile payment. Online payment solutions, such as card payment without a terminal, also offer payment management tools and security features to protect customers' payment information. Offering QR code payment QR code payment is an online payment method where you generate a QR code that allows customers to pay by scanning a QR code with their mobile phone. This payment method is secure and practical. This method is easy to set up and can be integrated into a variety of payment platforms, including Stancer. It is also very convenient, as it allows customers to pay instantly by scanning a QR code via a smartphone or tablet. Don't neglect the importance of Google Pay and Apple Pay Google Pay and Apple Pay are two contactless payment systems that allow users to pay securely with their mobile devices or via card payment without a terminal. They can be used to make contactless payments with debit or credit cards using a mobile device. These card payment without a terminal systems offer an additional level of security, as they require additional authentication to confirm payments. These systems are very convenient and can be used in many places, including physical stores. Businesses that want to offer a convenient and secure payment method for their customers in order to make card payments without a terminal should consider adding Google Pay and Apple Pay to their payment options. Read more](https://go.stancer.com/en/blog/payment/card-payment-without-a-terminal-it-is-possible-with-stancer)

### [![Choosing the Right Payment Terminal for Your Non-Profit Organization](https://go.stancer.com/hubfs/article_bien-choisir-son-terminal-de-paiement-pour-association-1.avif) Payment 12 Nov 2026 4MIN Choosing the Right Payment Terminal for Your Non-Profit Organization A non-profit organization needs money to operate, even if it is non-profit under the law of July 1901. Indeed, it collects membership fees, grants, etc. The essential solution is using a payment terminal for non-profit organizations. There are many on the market today, and the key will be to make a good choice of POS to suit your organization's needs. Why should your non-profit organization have a payment terminal? A payment terminal for a non-profit organization is a secure and practical tool that makes it easy to collect money by bank card. A non-profit organization can indeed receive membership fees, and these may be limited if you don't offer any bank card payment solution. Few people carry a lot of cash these days, which is why offering another secure payment solution will be appreciated during a transaction. With a POS, you simply insert the card and enter the confidential codes to validate a transaction. The criteria for choosing a terminal for your non-profit organization There are many payment terminals, and they don't all have the same features and therefore the same advantages. Here are a few points to watch out for before choosing your payment terminal: Choose a mobile terminal: We strongly recommend choosing a mobile payment terminal that lets you accept payments anywhere. This type of terminal runs on battery. Its use is particularly relevant for outdoor events, market sales, or non-profit organizations. The importance of contactless: Especially since the Covid crisis, the ability to pay via contactless has become a requirement for merchants. Consumers use it more and more, and recent studies prove it. Many solutions have recently appeared and quickly become mainstream, testifying to this new payment trend. Notably Apple Pay and Google Pay. Offering a secure payment experience: Look for a terminal that supports data encryption, tokenization, and is compliant with the Payment Card Industry Data Security Standard (PCI DSS). Watch the connectivity: Depending on your needs, check whether the terminal works on a wired network (Ethernet), wireless (Wi-Fi), or mobile (4G). How to choose your payment terminal for your non-profit organization? The choice of payment terminal should be made according to your non-profit organization's needs. The goal is in particular to have a device that incurs the fewest fees and helps simplify your organization's management! Choosing a payment terminal for a non-profit organization is an important decision that must be made by considering several factors. First, it's important to determine the type of activities the organization carries out and the volume of transactions it processes. Next, you need to assess the budget available for buying or renting a terminal, as well as the fees associated with its use. It's also important to consider the security and reliability of the payment terminal, as well as its ease of use for the organization's members and donors. Finally, it's recommended to inquire with several payment terminal suppliers and compare offers before making a decision. By following these tips, a non-profit organization can choose a payment terminal suited to its needs and offer its members and donors a secure and practical payment experience. Discover the Stancer subscription-free payment terminal suited to non-profit organizations' needs Stancer is a payment institution that offers payment terminals and other payment solutions suited to non-profit organizations! With its turnkey, subscription-free, commitment-free offer, Stancer provides a payment terminal for free from 150 transactions per month, otherwise it is billed at €15 for the month. You also get ready-to-use equipment, mobile 4G or Wi-Fi connectivity, and support when needed. Our mobile payment terminal runs on battery, which lets you make transactions anywhere and at any time. Anyone using a mobile phone can easily use the device thanks to the available contactless payment. You simply need to enter the amount, hand the POS to the user, and confirm the transaction. Discover our payment terminal for non-profit organizations. Read more](https://go.stancer.com/en/blog/payment/choosing-the-right-payment-terminal-for-your-non-profit-organization)

### [![Requesting a Payment Reminder: Tips and Letter Template](https://go.stancer.com/hubfs/article_demander-une-relance-de-paiement-conseils-et-modele-de-lettre-1.avif) Payment 12 Nov 2026 4MIN Requesting a Payment Reminder: Tips and Letter Template This amicable reminder plan is a good tool for settling unpaid invoices. This guide gives you useful tips to carry out this process successfully, with a sample reminder letter. What is a payment reminder letter? A payment reminder letter is a letter sent to a customer to inform them of an outstanding debt. The purpose of this debt collection letter is to encourage the debtor to settle their invoice as soon as possible. After contacting the customer with this amicable payment request, the customer may respond and share their difficulties. In the absence of a payment promise or actual payment, you can send them a formal demand letter. Under Article 1344 of the Civil Code, a formal demand is a legally binding letter requiring the debtor to act without delay. How to request a reminder effectively? Proceed skillfully by sending your customer a courteous reminder letter. In order to preserve your commercial relationship, it is customary to write payment reminders with diplomacy. Sometimes, non-payment is the result of an accounting error or a lost invoice. Contact them directly by phone. In the absence of a response, you can initiate the debt collection process by writing a registered letter with acknowledgment of receipt containing a payment order. If you still get no response, you can initiate forced recovery of the debt by going to court. Above all, avoid rushing into a formal demand or legal recovery without first contacting the customer for an amicable collection. A copy of the invoice will provide traceability of your claim. You should always keep this document safe if you want to obtain payment. Also make sure to keep the receipt of the registered letter. In any case, the payment reminder letter must include: The name of the creditor The name of the debtor The invoice number and date The subject of the letter with the mention "payment reminder" The goods or services related to the invoice Example of a payment reminder request While it's possible to write a payment reminder email spontaneously, a standard example remains a source of inspiration. Here is a sample reminder letter for an unpaid invoice, written in a cordial tone: - - Your company Company name SIRET Address Postal code and city Contact Name of debtor customer Address Postal code and city Done at…, on… Subject: Payment reminder for invoice No. … pending collection Enclosure: Scanned copy of the original invoice Madam, Sir, Unless it is an error on our part, your invoice dated … remains unpaid. To date, the accounting department has not been able to settle the payment of the amounts due corresponding to the invoice amount. The payment deadline having passed, we kindly ask you to settle it as soon as you receive this email. However, we ask you to disregard this reminder if you have since settled the payment. The copy of the invoice being authoritative, we look forward to hearing from you and are at your disposal for any inquiries. Thanking you in advance for your kind understanding, we kindly ask you to consider this amicable collection request. Yours faithfully, First name, Last name Accounting Department Signature - - Payment links in service of your payment requests A customer facing cash flow difficulties may feel real discomfort in the face of a payment reminder. This makes settling their debt even more complicated, as they will be less inclined to meet your finance team. The existence of a simple and instant payment solution can help defuse these situations. Stancer offers the payment link, which lets you send your customers a payment request including a link to a secure payment page. The request can be sent by email, SMS, or via your channel of choice. Read more](https://go.stancer.com/en/blog/payment/requesting-a-payment-reminder-tips-and-letter-template)

### [![Bank Card Commission Rates for Merchants: An Overview](https://go.stancer.com/hubfs/article_taux-de-commission-de-carte-bancaire-pour-commercant-tour-d-horizon-1.avif) Payment 12 Nov 2026 3MIN Bank Card Commission Rates for Merchants: An Overview What are the collection fees for a merchant? With each card transaction, the merchant must pay fees for the acceptance and processing of payments on the collected amount. Hence the term collection fees, commonly called the bank card commission. Its value depends on several factors, including the volume of transactions, the payment amount, the type of bank card used, and the chosen payment service provider. What makes up the collection fees? The payment interchange commission or CIP/MIF (Multilateral Interchange Fee): generally fixed and common to all banks. This term refers to a fee paid by the merchant's bank to the customer's bank to cover the use of the payment network. However, the CIP does not apply if both parties are with the same bank. Network fees: Less significant than the CIP, card networks such as CB, Visa, and MasterCard bill the merchant to ensure the collection of the transaction amount. The chosen payment provider's margin: your bank or payment provider can freely set its own commissions. These may include transaction commissions, monthly subscription fees, or rental or purchase fees for the electronic payment terminal. Card payments can be expensive Due to the bank card commissions mentioned above, this payment method can indeed be costly for merchants. However, the benefits associated with accepting card payments can offset these collection fees. That said, it is possible to limit these card commissions by selecting the right payment provider. Is it possible to reduce your commission rate? Several solutions are within reach for merchants and businesses to reduce their bank card commission rate. To benefit from a more favorable commission rate, consider choosing a cheaper payment service provider (PSP), such as Stancer. Discover the payment terminal suited to small amounts At Stancer, our mission is to provide practical and affordable payment solutions for small businesses. We offer a range of payment products, including payment terminals, online payments, and payment links, which allow merchants to easily accept card payments, whether in their physical store or through secure online payments. Our payment terminal is designed to be perfectly suited to small transactions. You don't pay the fixed commission for transactions under €7, which makes our payment terminal ideal for small businesses accustomed to receiving small-amount collections. In addition, our subscription-free POS is provided for free with a minimum of 150 transactions. One last thing? It's easy to use, secure, fast, and features advanced functionality (dashboard) to simplify payment management. Read more](https://go.stancer.com/en/blog/payment/bank-card-commission-rates-for-merchants-an-overview)

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### [![Complete Guide to Using Odoo](https://go.stancer.com/hubfs/article_guide-complet-d-utilisation-odoo-1.avif) Online Sales 12 Nov 2026 4MIN Complete Guide to Using Odoo Are you considering launching your online store on Odoo? This practical guide explains step by step how to set up your online store with Odoo and equip it with everything needed for ideal operation. What is Odoo? Odoo is a business management software that brings together several applications to help you manage your day-to-day operations. With Odoo, you can centralize the management of your sales, purchases, inventory, accounting, and much more, all in one place. Setting up your store in Odoo Creating an online store in Odoo is simple and intuitive. Follow these steps to set up your store: 1. Create your store: Log in to your Odoo interface. Go to the Apps tab and click on the eCommerce module. Follow the instructions provided by Odoo to configure your store. 2. Optimize your store: Add your products with detailed descriptions and attractive images. Configure shipping and payment options. Customize your store's appearance to reflect your brand. Use the necessary modules such as the Inventory module for product sales, Marketing modules for customer conversion optimization, and others. Refer to the full list of Odoo modules. For more details on creating and optimizing your Odoo store, you can refer to the documentation available on the official Odoo website. Why choose Stancer for your Odoo store? For an online store, having a reliable and secure payment solution is essential. Once your store is created in Odoo, you'll need an efficient payment method. Stancer is perfectly suited to this need, offering a smooth and secure payment experience for your customers. How to use the Stancer payment module in Odoo? 1. Create a Stancer account To start using the Stancer payment module, you must first create a Stancer account. Once your account is created and validated by our team, you can start using our solutions and install our payment module on your Odoo store. 2. Install the Stancer module in Odoo Log in to your Odoo interface. Go to the Apps tab. Search for the Stancer module and click on Activate. You have just downloaded the Stancer module. Follow the steps below to configure it for your store. 3. Configure the Stancer module Go to Sales then Configuration. Select Payment Provider and choose Stancer. Activate the Stancer module. To accept real payments, choose Enabled. To run tests, choose Test Mode. It is always best to start with Test Mode to test your store before making it public. By testing it, you minimize the risk of errors and optimize the experience for your future customers. Log in to your Customer Area on Stancer and go to the "Developers" tab to get your test or production API keys. In Odoo, enter the API keys you obtained in the appropriate fields in the API Keys section. Make sure to correctly fill in the fields for the payment page and API URLs. This information is essential for Stancer to communicate correctly with your online store. If you wish, enable iframe integration for a smoother user experience. For more information on iframe integration, refer to our documentation. 4. Accept card payments Once the module is configured, your customers will be able to pay by bank card directly on your site via the Stancer payment page. The module is compatible with the 3D Secure protocol, offering additional security for all your transactions. By following this guide, you are now ready to launch your online store on Odoo. By integrating the Stancer payment module into your store, you can start and grow your online sales business with ease, while offering your customers a secure and smooth payment experience. To go further in equipping your store, discover our selection of must-have tools for e-commerce. For more information, refer to our documentation. Read more](https://go.stancer.com/en/blog/online-sales/complete-guide-to-using-odoo)

### [![Choosing the Right Payment Terminal for Your Non-Profit Organization](https://go.stancer.com/hubfs/article_bien-choisir-son-terminal-de-paiement-pour-association-1.avif) Payment 12 Nov 2026 4MIN Choosing the Right Payment Terminal for Your Non-Profit Organization A non-profit organization needs money to operate, even if it is non-profit under the law of July 1901. Indeed, it collects membership fees, grants, etc. The essential solution is using a payment terminal for non-profit organizations. There are many on the market today, and the key will be to make a good choice of POS to suit your organization's needs. Why should your non-profit organization have a payment terminal? A payment terminal for a non-profit organization is a secure and practical tool that makes it easy to collect money by bank card. A non-profit organization can indeed receive membership fees, and these may be limited if you don't offer any bank card payment solution. Few people carry a lot of cash these days, which is why offering another secure payment solution will be appreciated during a transaction. With a POS, you simply insert the card and enter the confidential codes to validate a transaction. The criteria for choosing a terminal for your non-profit organization There are many payment terminals, and they don't all have the same features and therefore the same advantages. Here are a few points to watch out for before choosing your payment terminal: Choose a mobile terminal: We strongly recommend choosing a mobile payment terminal that lets you accept payments anywhere. This type of terminal runs on battery. Its use is particularly relevant for outdoor events, market sales, or non-profit organizations. The importance of contactless: Especially since the Covid crisis, the ability to pay via contactless has become a requirement for merchants. Consumers use it more and more, and recent studies prove it. Many solutions have recently appeared and quickly become mainstream, testifying to this new payment trend. Notably Apple Pay and Google Pay. Offering a secure payment experience: Look for a terminal that supports data encryption, tokenization, and is compliant with the Payment Card Industry Data Security Standard (PCI DSS). Watch the connectivity: Depending on your needs, check whether the terminal works on a wired network (Ethernet), wireless (Wi-Fi), or mobile (4G). How to choose your payment terminal for your non-profit organization? The choice of payment terminal should be made according to your non-profit organization's needs. The goal is in particular to have a device that incurs the fewest fees and helps simplify your organization's management! Choosing a payment terminal for a non-profit organization is an important decision that must be made by considering several factors. First, it's important to determine the type of activities the organization carries out and the volume of transactions it processes. Next, you need to assess the budget available for buying or renting a terminal, as well as the fees associated with its use. It's also important to consider the security and reliability of the payment terminal, as well as its ease of use for the organization's members and donors. Finally, it's recommended to inquire with several payment terminal suppliers and compare offers before making a decision. By following these tips, a non-profit organization can choose a payment terminal suited to its needs and offer its members and donors a secure and practical payment experience. Discover the Stancer subscription-free payment terminal suited to non-profit organizations' needs Stancer is a payment institution that offers payment terminals and other payment solutions suited to non-profit organizations! With its turnkey, subscription-free, commitment-free offer, Stancer provides a payment terminal for free from 150 transactions per month, otherwise it is billed at €15 for the month. You also get ready-to-use equipment, mobile 4G or Wi-Fi connectivity, and support when needed. Our mobile payment terminal runs on battery, which lets you make transactions anywhere and at any time. Anyone using a mobile phone can easily use the device thanks to the available contactless payment. You simply need to enter the amount, hand the POS to the user, and confirm the transaction. Discover our payment terminal for non-profit organizations. Read more](https://go.stancer.com/en/blog/payment/choosing-the-right-payment-terminal-for-your-non-profit-organization)

### [![Requesting a Payment Reminder: Tips and Letter Template](https://go.stancer.com/hubfs/article_demander-une-relance-de-paiement-conseils-et-modele-de-lettre-1.avif) Payment 12 Nov 2026 4MIN Requesting a Payment Reminder: Tips and Letter Template This amicable reminder plan is a good tool for settling unpaid invoices. This guide gives you useful tips to carry out this process successfully, with a sample reminder letter. What is a payment reminder letter? A payment reminder letter is a letter sent to a customer to inform them of an outstanding debt. The purpose of this debt collection letter is to encourage the debtor to settle their invoice as soon as possible. After contacting the customer with this amicable payment request, the customer may respond and share their difficulties. In the absence of a payment promise or actual payment, you can send them a formal demand letter. Under Article 1344 of the Civil Code, a formal demand is a legally binding letter requiring the debtor to act without delay. How to request a reminder effectively? Proceed skillfully by sending your customer a courteous reminder letter. In order to preserve your commercial relationship, it is customary to write payment reminders with diplomacy. Sometimes, non-payment is the result of an accounting error or a lost invoice. Contact them directly by phone. In the absence of a response, you can initiate the debt collection process by writing a registered letter with acknowledgment of receipt containing a payment order. If you still get no response, you can initiate forced recovery of the debt by going to court. Above all, avoid rushing into a formal demand or legal recovery without first contacting the customer for an amicable collection. A copy of the invoice will provide traceability of your claim. You should always keep this document safe if you want to obtain payment. Also make sure to keep the receipt of the registered letter. In any case, the payment reminder letter must include: The name of the creditor The name of the debtor The invoice number and date The subject of the letter with the mention "payment reminder" The goods or services related to the invoice Example of a payment reminder request While it's possible to write a payment reminder email spontaneously, a standard example remains a source of inspiration. Here is a sample reminder letter for an unpaid invoice, written in a cordial tone: - - Your company Company name SIRET Address Postal code and city Contact Name of debtor customer Address Postal code and city Done at…, on… Subject: Payment reminder for invoice No. … pending collection Enclosure: Scanned copy of the original invoice Madam, Sir, Unless it is an error on our part, your invoice dated … remains unpaid. To date, the accounting department has not been able to settle the payment of the amounts due corresponding to the invoice amount. The payment deadline having passed, we kindly ask you to settle it as soon as you receive this email. However, we ask you to disregard this reminder if you have since settled the payment. The copy of the invoice being authoritative, we look forward to hearing from you and are at your disposal for any inquiries. Thanking you in advance for your kind understanding, we kindly ask you to consider this amicable collection request. Yours faithfully, First name, Last name Accounting Department Signature - - Payment links in service of your payment requests A customer facing cash flow difficulties may feel real discomfort in the face of a payment reminder. This makes settling their debt even more complicated, as they will be less inclined to meet your finance team. The existence of a simple and instant payment solution can help defuse these situations. Stancer offers the payment link, which lets you send your customers a payment request including a link to a secure payment page. The request can be sent by email, SMS, or via your channel of choice. Read more](https://go.stancer.com/en/blog/payment/requesting-a-payment-reminder-tips-and-letter-template)

### [![Bank Card Commission Rates for Merchants: An Overview](https://go.stancer.com/hubfs/article_taux-de-commission-de-carte-bancaire-pour-commercant-tour-d-horizon-1.avif) Payment 12 Nov 2026 3MIN Bank Card Commission Rates for Merchants: An Overview What are the collection fees for a merchant? With each card transaction, the merchant must pay fees for the acceptance and processing of payments on the collected amount. Hence the term collection fees, commonly called the bank card commission. Its value depends on several factors, including the volume of transactions, the payment amount, the type of bank card used, and the chosen payment service provider. What makes up the collection fees? The payment interchange commission or CIP/MIF (Multilateral Interchange Fee): generally fixed and common to all banks. This term refers to a fee paid by the merchant's bank to the customer's bank to cover the use of the payment network. However, the CIP does not apply if both parties are with the same bank. Network fees: Less significant than the CIP, card networks such as CB, Visa, and MasterCard bill the merchant to ensure the collection of the transaction amount. The chosen payment provider's margin: your bank or payment provider can freely set its own commissions. These may include transaction commissions, monthly subscription fees, or rental or purchase fees for the electronic payment terminal. Card payments can be expensive Due to the bank card commissions mentioned above, this payment method can indeed be costly for merchants. However, the benefits associated with accepting card payments can offset these collection fees. That said, it is possible to limit these card commissions by selecting the right payment provider. Is it possible to reduce your commission rate? Several solutions are within reach for merchants and businesses to reduce their bank card commission rate. To benefit from a more favorable commission rate, consider choosing a cheaper payment service provider (PSP), such as Stancer. Discover the payment terminal suited to small amounts At Stancer, our mission is to provide practical and affordable payment solutions for small businesses. We offer a range of payment products, including payment terminals, online payments, and payment links, which allow merchants to easily accept card payments, whether in their physical store or through secure online payments. Our payment terminal is designed to be perfectly suited to small transactions. You don't pay the fixed commission for transactions under €7, which makes our payment terminal ideal for small businesses accustomed to receiving small-amount collections. In addition, our subscription-free POS is provided for free with a minimum of 150 transactions. One last thing? It's easy to use, secure, fast, and features advanced functionality (dashboard) to simplify payment management. Read more](https://go.stancer.com/en/blog/payment/bank-card-commission-rates-for-merchants-an-overview)

### [![How Our Verifone Payment Terminal Works](https://go.stancer.com/hubfs/article_comment-fonctionne-notre-terminal-de-paiement-verifone-1.avif) Payment 12 Nov 2026 4MIN How Our Verifone Payment Terminal Works When you're a merchant, whether it's a local shop or a mobile business, choosing the right payment solution is essential to guarantee your customers' satisfaction and the smoothness of your transactions. At Stancer, we understand the importance of providing simple, affordable, and innovative payment solutions to meet our customers' varied needs. That's why we chose to partner with Verifone and integrate their payment terminal into our range of in-person payment services. In this article, we'll dive into how our Verifone payment terminal works to explain how it helps deliver an optimal shopping experience to your customers. Understanding the electronic payment terminal Before getting into the details of the Verifone payment terminal, it's important to understand what a POS is. A POS, or electronic payment terminal, is a device designed to accept card payments, offering a practical alternative to cash or check payments. Payment terminals allow merchants to process their customers' transactions quickly and securely. They have become an essential part of the shopping experience, whether in retail stores, restaurants, gas stations, and many more. The Verifone V210m payment terminal: an overview This POS is a cutting-edge device combining performance and security. By integrating this terminal into our range of payment services, we offer our customers a complete payment solution suited to a wide variety of industries. Key features of the V210m This terminal is equipped with several essential components to ensure fast and secure transactions. Intuitive touchscreen: The V210m features an intuitive color touchscreen that allows friendly interaction with the terminal, facilitating the user experience for both merchants and customers. The screen clearly displays the details of the ongoing transaction and guides the user throughout the process. Standalone mobile terminal: This POS is designed for both sedentary and mobile merchants, allowing it to meet different needs. It offers the necessary flexibility to accept payments in various environments. High connectivity: The V210m can connect to the internet via Wi-Fi and 4G. This secure connection is essential to establish a link with payment systems and card networks in real time, ensuring the security and reliability of transactions. Whether it's a fixed location or mobile use, this terminal is ready to process payments. Built-in thermal printer: This terminal is also equipped with a built-in printer that allows you to quickly print receipts for customers. Payment process Card insertion: The customer inserts their card into the reader or makes a contactless payment with their bank card, Google Pay, or Apple Pay. Card reading: The terminal reads the card information, including the card number, expiration date, and chip. Data encryption: This step secures the payment against any unauthorized access. Transaction authorization: The card information and transaction amount are sent to the card's issuing bank to obtain payment authorization. Bank response: The issuing bank verifies the card's validity and whether the balance is sufficient. If all is in order, it sends an authorization back to the terminal. Transaction confirmation: The payment is validated. The merchant can choose whether or not to print a receipt for the customer. Settlement: The transaction amount is deducted from the customer's account and transferred to the merchant's account a few days later by Stancer. The advantages with Stancer At Stancer, our mission is to make the payment process as simple and accessible as possible for merchants. By choosing our mobile payment terminal, you can benefit from several advantages: Favorable pricing: We understand that profitability is essential for businesses, which is why we offer favorable rates starting from 0.7% + €0.07 in commission per transaction. For transactions under €7, no fixed commission is applied, allowing you to accept small-amount payments without excessive fees. Finally, the terminal is subscription-free and commitment-free, allowing you to benefit from our payment services with total flexibility, without any long-term constraint. POS provided for free: We believe that access to quality payment solutions should not be a financial burden. That's why we provide our payment terminal for free to customers who make a minimum of 150 transactions per month; otherwise, it is billed at €15 per month. Complete dashboard: Managing your transactions is simplified thanks to your Stancer Customer Area. You can access your entire payment history and manage it directly from this intuitive space. This feature gives you full visibility over your transactions, allowing you to easily track your activity and make informed decisions. Read more](https://go.stancer.com/en/blog/payment/how-our-verifone-payment-terminal-works)

### [![Accept Contactless Payments with Tap to Pay on iPhone and Stancer](https://go.stancer.com/hubfs/article_nouvelle-solution-disponible-tap-to-pay-sur-iphone-pour-accepter-les-paiements-sans-contact.webp) Payment 09 Nov 2026 2MIN Accept Contactless Payments with Tap to Pay on iPhone and Stancer With Tap to Pay on iPhone and Stancer, you can accept all types of in-person and contactless payments directly on your iPhone, whether they come from bank cards, Apple Pay, or other digital wallets. No terminal or additional hardware is required. This technology is revolutionizing the way you, as merchants, interact with your customers, offering more simplicity, security, and efficiency throughout the shopping experience. What is Tap to Pay on iPhone? Tap to Pay on iPhone is a feature that lets you accept contactless and in-person payments using simply your iPhone, with no payment terminal needed. You can now accept payments by bank card, Apple Pay, and other digital wallets simply by holding your iPhone near your customer's payment method. Tap to Pay on iPhone leverages the security and privacy features built into the iPhone to protect your customers' data. When a payment is being processed, the code and card numbers are never stored on the device or on Apple's servers. While Tap to Pay on iPhone is in use, all photo, video, and screenshot recording capabilities are disabled on your iPhone, guaranteeing the security of your customers' banking data. How to set up Tap to Pay on iPhone with Stancer? Using Tap to Pay on iPhone is as simple as this: Create your Stancer account if you haven't already. Download the Stancer mobile app. Open the Stancer app on your iPhone and enter the purchase amount. Select "Tap to Pay on iPhone" as the payment method and hold your iPhone out to the person who wants to pay. They should place their card horizontally on the top of your iPhone, above the contactless symbol. Once the card is read and the transaction is initiated, a checkmark with the "OK" label appears on the screen. And that's it! You've just accepted your first payment with Tap to Pay on iPhone. Des questions ? Contactez-nous dès maintenant. Questions? Contact us now. Read more](https://go.stancer.com/en/blog/payment/accept-contactless-payments-with-tap-to-pay-on-iphone-and-stancer)

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