You do not take a percentage of my sales. What does that actually save me?+
A card machine provider that bundles free POS software pays for it out of your transaction rate. At 2.95% per card sale, R100,000 of monthly card turnover costs R2,950 a month in fees. With BAG you keep your own merchant deal — at 2.20% that same turnover costs R2,200, plus R449 to us, so R2,649. The crossover is around R60,000 of monthly card turnover: below it the bundled-software route is cheaper, above it we are, and the gap widens the more you sell. Your own rate is the number to check — ask your acquirer what you are actually paying.
Is the free plan really free?+
Yes. One trading location, the owner plus one staff member, one till and 100 active products, for as long as you like. No card needed to sign up. We do not cap how many sales you ring up, and you can export your own records at any time — including from the free plan.
What exactly does R449 cover?+
Everything we have built, for one active trading location, per month, billed monthly in rand. If you run three locations, that is three times R449. There is no annual contract, no setup fee, and no higher tier to be upsold to later — Business is the top of the product.
Is VAT added to that?+
R449 is the total you pay. Whether your invoice shows a VAT line depends on our own VAT registration status at the time, and it is stated plainly on every invoice. We do not add VAT on top of the advertised price.
Can I keep the card machine I already have?+
Yes, alongside BAG, though not yet connected to it. Any standalone machine works next to the till: the cashier reads the total off the screen, enters it on the machine, and records on the till that the payment was by card. Those sales are clearly marked as manually confirmed until you match them, and are never shown as approved by a bank. FNB, for example, does not publish a way for a till system to talk to a Speedpoint, so a connected integration there is not something we can offer.
How do card payments work?+
Through BagPay, the payments engine inside BAG. A sale rung up on BAG Till hands the amount to the payment device, the device returns the authoritative result, and the sale is only marked paid on that result — never on a hopeful screen. Every payment carries an idempotency key, so a double-tapped Pay button or a retried request replays the original outcome instead of charging twice. Refunds, reversals and settlement are recorded against the same payment.
What happens if my payment fails?+
Nothing, at first. We retry automatically over about a week and tell you what is happening. After that there is a further week of grace in which you can still trade and everything you have set up keeps working. Even after that, you can always sell, cash up, refund an earlier sale, read your full history and export every record you have.
What if I downgrade?+
You never lose access to your history, your exports or your ability to refund an earlier sale. If your setup is bigger than the smaller plan allows, we show you exactly what to resolve — and the change takes effect at your next renewal, not mid-month.
Whose branding is on the card machine?+
BAG Terminal carries the BAG finish, and your own shop name and logo appear on the receipt, in the till and across the back office. The device artwork on this site shows the intended finish; the hardware you receive matches the certified device we ship.
Does it work if the internet drops?+
Not yet — the till needs a connection, and we would rather say so than have you find out during a service. Offline selling is being built; nothing on this site will claim it until it works. Card payments will always need a connection regardless, because a card cannot be authorised without one.