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There are a number of ways customers could pay for goods in your retail business. They include:

• Cash - cash is the most basic payment and usually used for very low-value transactions.
• Debit or credit card - offering card payments is convenient for customers and they will expect to be able to pay this way. You will need to have equipment and systems in place to take card payments.
• Mobile payments - mobile and smartphone payments have greatly increased over the last few years and include Google Pay, PayPal and Apple Pay.
• Cheques - Cheques are being used much less frequently in retail due to card payment technology.
• Bank transfer - direct bank transfers (also known as electronic funds transfers) such as Bacs, Faster Payments and CHAPS can be used for retail transactions over the phone or online. They are less secure than card payments and are used much less frequently.

Other potential forms of payment include gift cards, pre-paid cards, traveller cheques (not as common as they used to be), loyalty points and vouchers.

Offering credit

Some retail businesses choose to offer credit to their customers. This allows customers to purchase goods and pay for them at a later date. This may take the form of:

• store credit cards
• hire purchase and other kinds of leasing
• shopping accounts (buy now, pay off later in instalments)

If you do decide to offer consumer credit, there are a number of rules you must follow. You must provide certain information about credit agreements and carry out credit checks.

Choose the right payment options

When deciding which types of payment your business will accept, you should strike a balance between:

• what is convenient for your customers
• what is cost effective and manageable for your business

For example, if you run a market stall, you may choose to accept cash only. If you sell high-value items such as white goods or computer equipment, you might choose to offer some form of credit.