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Want to accept multiple forms of payment? We have put together a list of the best card machine options for MEI.
Offering all possible payment methods is something that always saves a Micro Entrepreneur from people who are bad payers.
Excuses like, I only have cash in the bank, my wallet is empty, I'll pay you later, etc.
They can be broken when you have a machine to offer other forms of payment.
Credit, debit and even QRCode reading are possible options to use with card machines for MEI.
With this in mind, in today's post, you will check out the best options and tips for making the right choice of model and brand of your machine, according to your needs.
Easy MEI
How does it work?
Let's start with the MEI Fácil card machine.
It is linked directly to your MEI Fácil account, allowing you to make payments much faster.
Plus, you don't have to pay any fees to make transfers and payments.
With the MEI Fácil machine you can also receive payments with Google Pay, Samsung Pay and Apple Pay.
Thus escaping from having only traditional options, such as debit and credit.
It is worth remembering that it accepts the main credit and debit cards, whether national or international: Visa, Mastercard, Elo, Hipercard, Hiper and American Express.
Another benefit is contactless payment, which is widely used today.
The MEI Fácil machine costs R$ 88.80 or 12x R$ 7.40.
What are the advantages?
- No rent;
- No membership fee;
- 8-hour battery life;
- Contactless payment;
- Accepts payments via Google Pay, Samsung Pay and Apple Pay;
- Accepts national and international cards;
- Payment received within 1 business day.
How do fees work?
The MEI Fácil machine has no rental or membership fee, making it easier to have new payment options to offer in your services.
Now, in relation to the fees per purchase, it works as follows:
- For purchases made using debit cards, the interest is 1.89%.
- For purchases made on credit, the interest is:
- 4.69% in sight;
- 4.69% in installments + 1.99% for each installment.
How to apply?
Just click on the website and request yours directly through the website.
Fill in your details, make the payment and it will soon arrive at your home or establishment.
Card machine for MEI Mercado Pago
How does it work?
The Mercado Pago machine comes from the company Mercado Livre, which has existed since 1999 and works with the sale and resale of various products.
Mercado Pago offers several models of machines.
And the most used by Individual Microentrepreneurs is the one that works with reading credit and debit cards using your cell phone.
This machine option is the most economical, both in terms of purchase price and fees.
since it has no rental or membership fee, in addition to not having to spend on replacing the coil and other materials, since the purchase receipts are sent by SMS.
Plus, you only pay when you sell and you're not charged for withdrawing money or making a transfer to a bank account.
What are the advantages?
- Contactless selling;
- 10 hours of battery life;
- Possible to make payments via QR code, pix or link;
- No rental and membership fee;
- No transfer fee;
- Proof by SMS;
- No membership.
How do fees work?
The Mercado Pago machine has one of the lowest rates on the market, charging 1.99% on debit purchases and 3.03% on purchases made with a credit card.
The money from your sales is available to you within one business day when made by debit and immediately in your account for sales made by credit, with a fee of 4.74% in this case.
However, if you choose to wait 30 days to withdraw this money, the rate will drop to the 3.03% previously mentioned.
With debit, you pay 1.99% of the amount to make the money available immediately.
To receive amounts transferred via cash credit:
- 4,47% – On time
- 3,79% – 14 days
- 3.03% – 30 days
How to apply?
To purchase a Mercado Pago machine, you need to have a current account at a bank in the country and make your request directly through the Mercado Pago website.
The company accepts both individuals and legal entities.
Card machine for MEI, Minizinha PagSeguro
How does it work?
It has a low price to purchase, ideal for those who don't have much to invest in a card machine.
The PagSeguro mini-bank accepts the main brands on the market and also has the advantage of accepting meal cards, Ticket, VR Benefícios, Alelo and Elo.
It is a great option for those who work with food, edible products or have a restaurant.
It is worth remembering that it is an ideal machine for those who have a smaller sales volume, for those who are starting out or who do not usually reach the maximum revenue ceiling that the MEI allows.
Just like in the case of Mercado Pago machines, PagSeguro also offers several other options and models of machines, leaving it up to you to decide which one suits you best.
However, the minizinha ends up being one of the most chosen when it comes to card machines for MEI.
What are the advantages?
- Delivery after purchase is free;
- 5 years warranty;
- Receipts are sent by SMS or email;
- No rent;
- Accepts meal vouchers;
- Compact.
How do fees work?
The cost to purchase the machine is 12x R$$3.30, on a credit card, or in cash for R$$39.60.
Being one of the most economical options on the market.
Plus, once you own it, you won't have to pay rent to keep using it.
As for sales fees, it works as follows: 1.99% for debit sales and 3.19% for credit sales.
How to apply?
You can order Minizinha Pag Seguro directly through their website. It's very quick and easy.
Sum UP Top
How does it work?
The Sum UP machine costs R$$58.80 and can be paid in up to 12 installments on your card.
With this, you can receive the amount that was paid in installments on credit after 1 business day. Ideal for those who make sales of higher tickets, where customers always choose to pay in installments.
This way, you won't have to wait too long for that money.
What are the advantages?
- Free shipping for shipping;
- Accepts the main brands on the market;
- Low value to acquire it;
- Receipt of installment amount in 1 business day.
How do fees work?
For each sale made on debit, the fee will be 1.90% per purchase and, for sales made on credit, there are 2 options:
- Advance plan, for those who want to receive in up to 1 business day, with a charge of 4.60% upfront and 1.50% for each installment;
- Economic plan, charged 3.10% in cash and 3.10% in installments (2x to 12x).
How to apply?
Order your machine directly from the website by clicking here.
Fill in the details, pay the amount for the machine and wait for it to be delivered to your home or establishment.
Card machine for MEI Mini POP
How does it work?
Mini Pop was created by Banco Itaú, being the simplest version of the Pop Credicard line, being widely chosen by MEIs.
To use it, you need to have a cell phone with you, as it is connected via Bluetooth.
With each new sale, your receipts arrive via the registered email address, and can also be sent to the customer's email address or via SMS, if they provide their cell phone number.
For these reasons, the Mini Pop is a very light, practical and easy to use machine.
In addition, it accepts cards with the main brands on the market and also accepts vouchers.
The mini POP can be purchased for R$$58.88 in cash, or divided into 12 installments of R$$4.90.
What are the advantages?
- No rent;
- Attractive, non-promotional rates;
- Lightness and practicality;
- Long battery life.
How do fees work?
With debit, it is possible to receive the amount in 1 business day, for which the interest is 1.99% per purchase.
In credit, the first installment will have interest of 4.98%, and above two installments, 7.97% of interest will be charged.
This amount transferred to credit is transferred within 2 business days.
How to apply?
To request your Mini POP, simply call the following numbers:
- 3003-1004, for all of Brazil (landline and mobile)
- 0800 757 1004, for locations outside capitals and metropolitan regions (landline only, Monday to Saturday, from 8 am to 8 pm)
- 0800 202 7333 to speak to the ombudsman.
TON T1
How does it work?
To use the T1 Mega machine, you need to have a cell phone with you, as it works with a Bluetooth connection.
When you have the machine with you, you must also create a Ton digital account, which is where the amounts relating to your sales will go.
With the money in your account, you can transfer the balance to another bank account or to your prepaid card.
The amount will be deposited within 1 business day.
You can also sell online, using social media or your website, without even needing to use a machine.
You can generate bills to share and sell through these means.
Receipts will be sent via SMS to the buyer's number.
What are the advantages?
- No rent;
- You don't need to have a bank account before getting the machine;
- Sales via bank slips, without needing a machine;
- Contactless payment.
How do fees work?
On Ton's machine, the rates are a little different from the others.
In it, you will pay interest according to the flag used.
For Mastercard and Visa cards, the debit fee is 1.48%, with receipt in 1 business day.
For cash credit, the charge is 2.96% (balance in 1 business day), 2.95% (balance in 14 days) and 2.94% (balance in 30 days).
For installment credit (12x), the rate is 9.44% (balance in 1 business day), 9.43% (balance in 14 days) and 9.42% (balance in 30 days).
For Elo, Amex and Hipercard cards, the debit fee is 2.48%, with receipt in 1 business day.
For cash credit, the charge is 4.15% (balance in 1 business day), 4.14% (balance in 14 days) and 4.13% (balance in 30 days).
How to apply?
Individuals and legal entities can make the request. To do so, simply access the Ton website.
Then, you will need to click on “Request T1 Mega”, in the “Mega Ton – I want the lowest rates” section.
Card machine for MEI STONE
How does it work?
Finally, we have the Stone Mais machine.
Stone offers two options, one with a chip and one without a chip.
Both are ideal for Individual Microentrepreneurs, as they were made for companies that make few sales, with up to R$15,000.00 per month in revenue overall.
These are pocket-friendly devices that are ideal for those who need mobility when selling.
Furthermore, the machines have a permanent warranty, you can always count on maintenance, which sets them apart from their competitors.
What are the advantages?
- Accepts pix;
- Main flags and voucher;
- Custom rates.
How do fees work?
The debit sales rate is 1.99%. For credit, with receipt in 1 day, the rate is 4.98%, with an increase of 1.99% for each installment.
Now, in case of waiting, it is possible to reduce the interest, with the rate being 3.98% for 14 days and 3.49% for 30 days.
How to apply?
Directly through the Stone website or by calling 3004 9681.
How to make a good choice?
Now comes the main question…
How to choose the best card machine option for MEI?
Well, only you can decide that, according to your income, services provided and daily routine.
Are you an Uber driver, do you work in delivery and need to be somewhere different all the time?
Perhaps the best option is a more compact machine that fits in your pocket, thus avoiding losing it or forgetting it somewhere.
Don't you always have your cell phone in your hands? Then opting for a device that only works with Bluetooth connection may not be the smartest choice.
Do you sell online, not in person?
A good choice would be a company that allows you to sell by credit or debit through online payment slips, without the mandatory use of a machine.
Evaluate each advantage and specification of each of the card machines for MEI, mentioned here, and you will be able to find the one that best suits your business.
