--- title: Stancer blog | Nicolas description: Le blog qui vous aide à grandir --- [Skip to content](https://go.stancer.com/en/blog/author/nicolas#main-content) ![](https://go.stancer.com/hs-fs/hubfs/Logo%20stancer@2x.png?width=300&height=46&name=Logo%20stancer@2x.png) - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) Open main navigation Close main navigation - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) - - [English](https://go.stancer.com/en/blog/author/nicolas) - [French](https://go.stancer.com/blog/author/nicolas) - [Start now](https://signup.stancer.com/en/sign-up/) [Start now](https://signup.stancer.com/en/sign-up/) - [English](https://go.stancer.com/en/blog/author/nicolas) - [French](https://go.stancer.com/blog/author/nicolas) Stancer Blog # The blog that helps you grow Our blog is here to help and support you in your daily tasks and steps. Guide & News ### Understand everything The essentials for success ## Our selection for you Discover our flagship articles of the moment, designed and written to meet your daily challenges. ### [![How to Easily Refund a Card Payment](https://go.stancer.com/hubfs/article_comment-rembourser-un-paiement-par-carte-bancaire-1.avif) Payment 09 Nov 2026 4MIN How to Easily Refund a Card Payment In the day-to-day running of your business, you may sometimes need to cancel and refund payments for various reasons. To handle these situations quickly without complicating your store management, it's essential to have effective refund options. Why refund a payment? A payment refund may be necessary in case of an amount error, a customer's order cancellation, an order modification, or other unforeseen situations. At Stancer, we know how crucial it is for you, as merchants, to be able to refund transactions quickly and efficiently. Whether the payment was made through a payment terminal, online, or via a payment link by card, this article will guide you through the refund procedures. Refund options You have the choice between two types of refund: Full refund: the entire amount is returned to the customer. Partial refund: a specified portion of the amount is returned, as needed. Payments made via POS terminal When you made your payment using the POS terminal, the refund can only be made through the same terminal and with the customer's card. This procedure therefore requires direct interaction with the mobile payment terminal. Here's how to proceed: Insert your merchant card into the Stancer terminal's card reader. Enter the amount of the payment you want to refund. Insert your customer's payment card to process the refund. The customer must then enter their PIN code to validate it. Confirm the refund to update the transaction status in your system. Payments made via Tap to Pay on iPhone or Android You can process a refund for a Tap to Pay payment directly from the Stancer app. Simply go to the "Transactions" section, select the payment made via Tap to Pay, then choose the "Refund via Tap to Pay" option. A refund confirmation screen will appear. Please note that, at the moment, only refunds matching the original amount are allowed. Partial refunds are not currently available. In addition, the card used to process the refund must be the same as the one used for the original payment. The refund can be initiated from any compatible smartphone. Online payments To refund a card payment remotely, you have two methods available from your Customer Area. From the Payments section of the Customer Area: Find the payment to refund using the transaction date, the unique payment identifier, or the order reference associated with the transaction. Refund your customer by clicking "Refund". You can choose between a full or partial refund. Then enter the amount. Alternatively, from the Customers section of the Customer Area: Identify the customer in question, then view their customer profile to access their recent payments. Click "Refund" and choose between a full or partial refund, then specify the amount. How to track the status of your refunds? A refund is a banking transaction, just like a payment. It therefore has a lifecycle, and it can be important to track the proper execution of your refunds. After initiating a refund, you can follow its status in your Customer Area. Here are the possible statuses: Payment cancelled: the payment linked to the refund has been cancelled. Pending refund: the refund will be executed within the next 24 hours. Refund sent: the refund is being processed. Refunded: the refund has been executed; the payer has been refunded. Failed: the refund has failed. Not honored: the payer's bank has refused the refund. Note that refunds of large amounts can involve longer waiting times due to the bank's anti-fraud checks. By following these procedures, you can refund a payment easily and efficiently, whether for transactions made in store, through your online shop, or even remotely. To best support you, Stancer offers complete and secure payment solutions to accept and process payments with ease. Our systems are regularly updated to ensure the security of your banking data and smooth management of your transactions, including during refunds. For more details on using our services, refer to our documentation. Read more](https://go.stancer.com/en/blog/payment/how-to-easily-refund-a-card-payment) ### [![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) ### [![Selling at Markets: The Complete Guide](https://go.stancer.com/hubfs/article_vendre-sur-les-marches-guide-complet-1.avif) Business Management 09 Nov 2026 4MIN Selling at Markets: The Complete Guide A market trader must therefore formalize their business before occupying a spot at the market. From business registration to finding a location, selling at markets requires completing certain formalities. What formalities must be completed and which status should be adopted to sell at markets? This guide explains how to run a commercial activity outdoors. Selling at markets: Which status to choose? Before setting up a stall in a covered market hall or an open-air market, you must declare your activity. This involves obtaining a business status and registering with the Companies Register. As for the status, the sole trader (micro-entrepreneur) regime is the most suitable option for selling at markets. A simplified tax regime With several advantages, this status first of all lets you benefit from a simplified tax regime. Sole traders enjoy a VAT exemption threshold and great flexibility when paying social contributions. With no revenue, no social charges apply. On top of that, bookkeeping is reduced to keeping a revenue book. The sole trader status: who is it for? This status is open to anyone carrying out an activity for profit, with no requirement to contribute capital. It covers both service provision and the sale of goods. How to obtain this status Since 1 January 2023, it has been mandatory to submit your application for status and registration through the single counter (guichet unique). For a craftsperson, the Craft Chamber (CMA) is the competent body to carry out all the formalities. If you are a mobile trader, however, you must go through the Chamber of Commerce and Industry (CCI). Finding a location: which permits to obtain? Selling products in a market hall or open-air market always requires a permit for temporary occupation of public land. Whether you've had the luck of finding a fixed or occasional spot, this permit must be presented to the inspector. So, before renting a space, you must register with the local town hall or the market's delegated operator. Temporary and fixed locations Today, finding a spot has become a long, drawn-out process if you want to sell at markets. Almost every square metre is reserved for fixed stalls. As a result, merchants planning to sell at markets rent these spaces for periods of 3 to 12 months. Only the vacant areas are offered to mobile traders. These are made available in the absence of the tenant. In general, these spots are free for a half-day or a full day. How to obtain a location Before you can sell at markets, you must submit your location request to the municipal stall officer (receveur-placier). Allocation is often done by lottery. If that's not the case, first come, first served, subject to available space. Indeed, the stall officer processes requests in the order in which mobile traders arrive, according to the waiting list. Paying the stall fee Selling at markets can be more or less expensive. The rental price per square metre varies from one municipality to another. It can also vary depending on the time of year and the events held on site. For a fair or exhibition, the stall rental request is sent to the event organizer. Whatever the activity, the cost per linear metre occupied is always the same for all merchants. Essentials for a sustainable market business Besides registering your status and applying for temporary occupation, other steps help you sell at markets on a long-term basis. Very often, fair organizers ask participants for a certificate of professional liability insurance. This coverage protects the non-sedentary professional against theft, as well as damage to equipment and to third parties. Finally, you must also hold a mobile merchant card (carte commerçant ambulant) to carry out your activity in the long term. This application can be sent to the Business Formalities Center (CFE) by registered mail with acknowledgment of receipt. Discover Stancer, the mobile POS suited to small transactions A mobile trader can use a mobile payment solution, very practical for settling purchases by bank card. Offering a payment terminal plan suited to small amounts, Stancer favors transactions under €7 by not applying fixed fees. Even better, the merchant gets a payment terminal with no commitment and no subscription to sell at markets. The terminal is provided free of charge once 150 transactions are completed in a month! With Stancer, choose a mobile payment solution that improves your customers' shopping experience at a very competitive price. Tap to Pay, to accept all types of payment With Tap to Pay on iPhone and the Stancer app, you can accept all types of in-person and contactless payments directly on your smartphone, whether they come from bank cards, Apple Pay, or other digital wallets. No terminal or additional hardware is required. Read more](https://go.stancer.com/en/blog/business-management/selling-at-markets-the-complete-guide) ### [![VAT on Take-Away Sales: How to Calculate It?](https://go.stancer.com/hubfs/article_tva-sur-les-ventes-a-emporter-comment-la-calculer.avif) Business Management 09 Nov 2026 4MIN VAT on Take-Away Sales: How to Calculate It? Take-away sales have become a very popular mode of consumption, whether for fast food, take-out food, or products sold in stores. However, it is essential for businesses to understand how to calculate VAT (Value Added Tax) on these sales, as it has a direct impact on the company's finances and its legal obligations. What is VAT? VAT is an indirect tax applied to the value added at each stage of the production and distribution chain. Businesses that sell goods or services are required to collect VAT from their customers and remit it to the tax authorities. VAT varies from country to country, and often even within the same country, depending on the type of product or service. How to Calculate It? Step 1: Determine the Applicable VAT Rate The first step to calculating VAT on take-away sales is to determine the VAT rate applicable to your product or service. In France, for example, there are several VAT rates, ranging from 5.5% to 20%, depending on the nature of the products or services. Make sure to consult the applicable tax regulations to know the rate applicable to your business directly on the government's website. Step 2: Calculate the Taxable Base The taxable base is the amount on which VAT will be calculated. For take-away sales, it generally corresponds to the selling price of the product or service. For example, if you sell a take-away meal for €10, the taxable base is €10. Step 3: Calculate the VAT To calculate VAT, multiply the taxable base by the applicable VAT rate. If the VAT rate is 10%, the calculation will be as follows: €10 (taxable base) x 0.10 = €1. You must therefore collect €1 of VAT on this sale. Step 4: Calculate the TTC (Tax-Inclusive) Selling Price The tax-inclusive selling price (TTC) is the final price you charge your customers. To calculate it, add the VAT amount to the taxable base. In our example, the TTC selling price would be €10 (taxable base) + €1 (VAT) = €11. Step 5: Collect and Remit the VAT You must collect VAT from your customers at the time of sale. Make sure to keep accurate records of all your transactions, including the amounts of VAT collected. At regular intervals, generally every month or every quarter, you will need to remit these amounts to the tax authorities in accordance with applicable regulations. VAT and Take-Away Sales: Everything You Need to Know VAT Exemption and Reduction Some take-away sales may be exempt from VAT or benefit from reduced rates in certain circumstances. For example, take-away meals are often subject to a reduced VAT rate in France (10%) to encourage the restaurant industry, but the rules may vary for alcoholic beverages. Make sure to know the exemptions and reductions that apply to your business and your customer base. Recording and Tracking Transactions Keeping accurate records is essential for VAT management. Modern point-of-sale software is a valuable tool in this task, as they can automatically track sales, calculate VAT in real time, and generate tax reports. This simplifies the task of collecting and declaring VAT. VAT on Delivery Services If your business offers home delivery services, VAT also applies to these transactions. VAT may vary depending on the delivery location and the applicable VAT rate. Make sure to take these factors into account when invoicing your customers. Managing Legal Obligations It is essential to comply with all legal obligations regarding VAT. This includes submitting accurate tax declarations to the tax authorities at regular intervals. Tax audits can be conducted, so make sure to have comprehensive documentation to prove your tax compliance. Professional Tips VAT management can be complex, especially for growing businesses. A tax advisor or a specialized accountant can help you navigate the constantly evolving tax landscape. Their expertise can help you optimize VAT management, avoid costly errors, and maximize your profitability. Managing VAT on take-away sales is an essential aspect of your business accounting. Non-compliance with VAT tax obligations can result in financial sanctions, so it is crucial to master this process. You can simplify this task by using accounting and point-of-sale software that automate VAT calculation, generate tax reports, and help you remain compliant with tax regulations. Ultimately, proper VAT management contributes to the growth and prosperity of your take-away business. Read more](https://go.stancer.com/en/blog/business-management/vat-on-take-away-sales-how-to-calculate-it) ### [![Minimum Amount for Card Payment: What You Need to Know](https://go.stancer.com/hubfs/article_montant-minimum-pour-un-paiement-par-carte-ce-qu-il-faut-savoir.avif) Article 09 Nov 2026 5MIN Minimum Amount for Card Payment: What You Need to Know In the world of commerce, it is common for merchants to set a minimum amount for bank card payments. This practice, common in various sectors, often leaves the customer facing a dilemma: increase the amount of their purchases to reach the set threshold or choose another form of payment, or even give up on their purchase. This article explores the implications of this practice, both for consumers and for merchants, by analyzing its legal foundations and its impact on the shopping experience. 1. What Does the Law Say? In France, the regulatory framework regarding the minimum card payment amount is detailed and strict, aiming to ensure a balance between the interests of merchants and the protection of consumers. Setting the minimum amount: French law allows merchants to set a minimum amount for card payments, but this amount must be reasonable and non-discriminatory. It is important that the minimum amount does not unreasonably discourage the use of the bank card as a means of payment. Mandatory display: Merchants are required to clearly display the minimum card payment amount. This information must be visible and readable to the consumer before payment, generally near the cash register or the payment terminal. Non-discrimination between cards: Merchants are not allowed to discriminate between certain types of bank cards. If a merchant accepts bank cards, it must accept all cards issued by the major networks, unless specific agreements are in place. Compliance with agreements with payment service providers: Merchants must also comply with the conditions stipulated in their agreements with payment service providers. These agreements may include specific provisions on minimum transaction amounts. 2. Why Set a Minimum Card Payment Amount? To understand the reason for a minimum amount for card payments, it is crucial to look in detail at the costs associated with these transactions. These costs generally break down into three main categories: Payment Interchange Fees (PIF): These are the fees of the "issuer" of the payment, i.e., the issuing bank of the end customer's bank card. These fees allow the bank to cover the costs related to the transfer of money between the end customer's bank and the merchant's bank and to fund anti-fraud actions. This fee is a variable commission calculated based on the purchase amount and varies from market to market depending on the type of card, the type of customer, the location, or the amount. Card Scheme Fees: These are the fees paid to the "operators" of bank cards (such as Visa or Mastercard) for the use of their services. These organizations ensure the management of the transaction processing process until the financial settlement between the various participants. These fees are paid by the acquirer bank to the card brands to cover the maintenance costs necessary to provide their payment network (assessment fees, cross-border fees, compensation and settlement). "Acquirer" Fees: These are the fees charged by the merchant's bank to fund its services (authorization, settlement, reporting, and account management services). Payment provider fees: These are the fees paid to payment providers for the use of their services. Payment providers allow merchants to conduct financial transactions and accept payments from customers online or physically. Some merchants therefore choose to refuse bank card payments below a certain amount to avoid affecting their margin. Risks and Consequences for the Merchant Impact on Customer Loyalty and Satisfaction A poorly managed or poorly communicated minimum card payment policy can have a negative impact on customer loyalty and satisfaction. Customers may feel frustrated if they are unable to make low-value purchases by card, or if they are faced with unexpected fees when paying by card. This dissatisfaction can lead to a decrease in foot traffic and a loss of loyal customers, especially if customers find more flexible alternatives at competitors. For businesses that depend on repeat customers, this can have a significant impact on long-term revenue. Impact on Brand Image and Reputation The payment experience, including the acceptance of card payments and the management of minimum amounts, plays an important role in the perception of a business's brand image and reputation. A payment policy perceived as unfair or unaccommodating can damage the merchant's public image. In the era of social media and online reviews, a bad payment experience can quickly go viral, negatively affecting the merchant's reputation. On the other hand, a flexible and customer-centric approach can positively strengthen reputation and attract new customers. Small-Amount Payment Solution – Stancer With Stancer, no more minimum amounts for bank card payments. Stancer is a 100% French payment solution, adapted to small amounts. Stancer offers online payment services, as well as physical payment solutions with a mobile POS terminal and via smartphone with Tap to Pay or payment links. The Stancer mobile POS payment solution is specifically designed to facilitate small-amount transactions. Indeed, for payments under €7, the fixed commission is entirely removed. So no more need to choose between an optimal shopping experience or a maximized margin! Do you process small-amount payments? Sign up now! Read more](https://go.stancer.com/en/blog/payment/minimum-amount-for-card-payment-what-you-need-to-know) ### [![POS Terminal Fraud: How It Works and How to Protect Yourself](https://go.stancer.com/hubfs/article_article_fraude-tpe-comment-ca-marche-et-comment-s-en-premunir.avif) Payment 09 Nov 2026 4MIN POS Terminal Fraud: How It Works and How to Protect Yourself Transactions by electronic payment terminal (POS) have become common, offering a fast and convenient way to make payments. With the rise of this technology, POS-related frauds have also multiplied. In this article, explore the different forms of POS scams, their consequences for merchants, and practical tips to strengthen the security of your transactions. Understanding POS Fraud How to protect yourself from payment terminal fraud? To start, let's look at the most common frauds: 1. Identity Theft and POS Hacking Fraudsters can impersonate a legitimate merchant to exploit their POS information. Computer hacking is a common method where malicious software compromises the POS system to access sensitive data. 2. POS Replacement Some fraudsters go as far as replacing the merchant's POS with a compromised device. These forged devices record the payment card data of customers, exposing them to risks of fraud and money theft. 3. Impersonation of Technical Support Scammers can pose as maintenance technicians and install external hacking devices on the POS under the pretext of repairs. This can take the form of a reader, camera, keyboard, or other device. This method is used to obtain customers' bank card information through skimming or shimming. Skimming involves installing a device on the POS that records card data from its magnetic strip. Shimming, on the other hand, uses a more sophisticated device that records card data from its electronic chip. 4. Refunds Using Stolen Bank Cards Some individuals with bad intentions perform fraudulent refunds on POS terminals using the establishment's "merchant card." The merchant card authorizes sensitive operations such as refunds. This means that a person with access to the POS and the merchant card can refund amounts to any bank card. 5. Creation and Use of Fake POS Terminals Fraudsters can create fake POS terminals to collect bank card information. This type of scam is often used in environments where vigilance is lower. Consequences of POS Fraud for Merchants You may face several negative consequences in case of POS fraud: Direct financial losses: Fraudulent transactions result in direct monetary losses. Impact on business reputation: Customers may lose trust in a business that has been a victim of fraud, which can affect its long-term reputation. Legal risks and associated responsibilities: You may be held liable for fraudulent transactions, leading to legal complications if your payment system is not sufficiently secure. How to Protect Yourself: Tips and Best Practices 1. Customize and Regularly Update Your POS Customizing the POS settings and maintaining regular software updates are essential to strengthen security and counter vulnerabilities. 2. Use a Secure and Reliable Payment Server A secure payment server is crucial to protect transaction data. You must ensure that your IT infrastructure is constantly monitored. As a general rule, it is advisable to order a payment terminal from a payment service provider. Choose a secure payment service provider, such as Stancer, which allows you to order your payment terminal in a simple, fast, and secure way. 3. Never Allow an Unknown Person Access to Your POS It is imperative to restrict access to the POS to trusted persons only and not to allow customers or individuals external to the company to touch it. Ideally, always keep an eye on the payment terminal during a transaction and do not leave it unattended in your store or on the counter during your opening hours. Vigilance is the key to preventing impersonation attempts. 4. Physically Protect Your POS It is important to install your POS in a secure location to prevent any unauthorized access. Anti-skimming devices can also be used to prevent fraudulent data capture. 5. Train and Educate Your Staff It is important to regularly train staff on the different fraud techniques and the signs to watch for. It is essential to establish internal control procedures to regularly verify transactions and detect any anomalies. By following these tips, you can reduce the risk of fraud and protect your business, your reputation, and your customers. Preventing fraud requires constant vigilance and adaptation to the new techniques used by fraudsters. Secure Your Transactions with Stancer Choose Stancer, a 100% French payment solution, to accept payments from your customers securely, both in-store and online. At Stancer, your security is our top priority, which is why we have implemented robust protection systems to protect you from fraud attempts: Our payment terminals are compliant with the latest standards and certified PCI PTS 5.0. We verify that the payer is indeed the cardholder with strong authentication (3D Secure). We use algorithms to detect and block fraud attempts. Your data and that of your customers are hosted in France and subject to the strictest data retention standards. Not yet a customer? Sign up now on stancer.com. Read more](https://go.stancer.com/en/blog/business-management/pos-terminal-fraud-how-it-works-and-how-to-protect-yourself) ## A space to understand everything. Choose your starting point. 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