Pay. and Ponto integration
Pay. and Ponto at your driving school: how payments work and what they cost
Pay. handles what your customers pay by card or smartphone, in the car, online and at the front desk. Ponto brings the bank transfers on your account into BIQSDRIVE. Payment Radar matches each payment to the right customer, file or order, for a 0.15% platform fee per payment, on top of the Pay. transaction costs.
Which payment method to use when
You can combine them. For each student, file and order you see whether payment was made, how much, when and how.
| When | Payment method | Good to know |
|---|---|---|
| In the car, at the start of the lesson | Tap-to-pay on the instructor's smartphone | With a bank card or smartphone, no extra device |
| At home, after enrolling | Payment link by email | Valid for 14 days by default |
| When your customer logs in | Student portal or business portal | Pay open orders, also with credit |
| At the front desk | PAX A960 payment terminal | A deposit or partial payment is possible too |
| Whenever it suits your customer | Bank transfer with structured payment reference | Comes in automatically if you link your account through Ponto |
How tap-to-pay works in the car
With tap-to-pay, your instructor's smartphone becomes a payment terminal. It works on a recent smartphone with NFC, so you don't buy an extra device.
Get ready
You open your Pay. account from BIQSDRIVE. Your instructor installs the Pay. payment app on their smartphone. You register that device in BIQSDRIVE for that instructor and add a product for a single lesson to your catalogue.
Start the lesson
From Start lesson, the instructor charges the lesson on their smartphone.
Pay
Your student holds their bank card or smartphone against the instructor's smartphone.
Recorded
The payment goes straight to the right order, and the hours to their enrolment.
If the payment fails, the instructor decides whether to try again or start the lesson anyway. The order then stays open and your office follows it up.
Following up bank transfers through Ponto
Through Ponto, the account information service of Isabel NV, you link the account your customers pay into. You sign your own agreement with Isabel NV for this, grant access yourself at your bank and confirm it again every 180 days. BIQSDRIVE only stores incoming customer payments and never initiates a payment from that account.
Payment Radar allocates a transfer with the structured payment reference of a confirmed order to that order automatically. Otherwise it proposes an order based on the order number, or on the amount and the payer's name. Anything that isn't allocated automatically, you link with one click or put aside.
Payment Radar matches to customers, files and orders, not to invoices. Those are made in your accounting software.
What a payment costs
Pay. charges transaction costs per payment method directly, under your own agreement with Pay. Payments through Pay. always run through Payment Radar: a 0.15% platform fee on the full amount, including VAT. The same percentage applies to every matched bank transfer.
This is what a €100 payment with a consumer card costs, excl. VAT:
| €100 payment | Pay. | Payment Radar | Total |
|---|---|---|---|
| Bancontact, online, terminal or tap-to-pay | €0.25 | €0.15 | €0.40 |
| Mastercard debit card, tap-to-pay | €0.31 | €0.15 | €0.46 |
| VISA credit card, tap-to-pay | €1.31 | €0.15 | €1.46 |
| Bank transfer, matched through Ponto | None | €0.15 | €0.15 |
| Cash | None | None | €0.00 |
BIQSDRIVE charges no fixed cost for Ponto or Pay. Only a payment terminal has a service fee of €22.95 per terminal per month, on top of the purchase price of €665. All rates are under Payments and tap-to-pay.
FAQ
Questions about payments at your driving school
Do I need to buy a payment terminal for tap-to-pay?
No. Tap-to-pay works on your instructor's smartphone. You only need a terminal if you want to take payments at the front desk.
Can I use Pay. without Payment Radar?
No. If you receive payments through Pay. in BIQSDRIVE, Payment Radar works automatically, at 0.15% per payment.
Does the money go through BIQSDRIVE first?
No. Pay. pays your receipts straight into your account. BIQSDRIVE doesn't receive or hold any money.
Further reading
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