Platform Strategy

Ƙididdiga Tsarin Biyan Kuɗi 2024: Stripe vs Square vs Integrated Platforms | Mewayz Data

Keɓaɓɓen bayanai daga kasuwancin 138K suna bayyana ƙimar sarrafa biyan kuɗi na gaskiya. Kwatanta Stripe, Square, da hadedde dandamali tare da bayanan ma'amala na gaske, ɓoye kudade, da farashin 2024.

11 min read

Mewayz Team

Editorial Team

Platform Strategy

Biyan Tattalin Arzikin Kuɗi 2024: Stripe vs Square vs Haɗin Kan dandamali na Kasuwanci

An buga: Disamba 2024 | Tushen Bayanai: Mewayz Business OS (masu amfani da 138,000+)

Kasuwanci sun kashe sama da dala biliyan 138 akan kuɗaɗen biyan kuɗi a cikin 2023 kaɗai. Amma duk da haka yawancin kwatancen farashi sun dogara da ƙimar da aka buga maimakon ainihin bayanan ciniki. Yin amfani da bayanan da ba a san su ba daga kasuwancin 138,000+ akan dandalin Mewayz, mun yi nazari kan hada-hadar kasuwanci miliyan 2.7 da suka kai dala miliyan 487 don gano ainihin farashin sarrafa biyan kuɗi.

"Tsarin haɗin gwiwar sun ceci kasuwancin 18-34% idan aka kwatanta da masu sarrafawa masu zaman kansu-ba kawai akan kudade ba, amma ta hanyar rage yawan kudaden gudanarwa da kuma inganta tsarin tafiyar da tsabar kudi."

Filayen Tsarin Biyan Kuɗi: Fiye da Makin Kashi kawai

Yayin da Stripe da Square ke mamaye kanun labarai, bayananmu sun nuna cewa kasuwancin sun fi son haɗakar hanyoyin biyan kuɗi waɗanda ke haɗa kai tsaye tare da lissafin su, CRM, da software na aiki. Dandalin Mewayz yana aiwatar da biyan kuɗi ta ƙofofin da yawa, yana ba mu haske na musamman game da tsadar rayuwa fiye da ƙimar talla.

Binciken mu ya mayar da hankali ne a kan rukunai uku:

  • Masu sarrafawa na tsaye (Stripe, Square) - dandamali na farko na biyan kuɗi
  • Integrated platforms(Mewayz Payments, makamancin hanyoyin OS na kasuwanci) - Biyan kuɗi da aka saka a cikin software na kasuwanci
  • Masu sarrafawa na gargajiya (Maganin tushen banki) - Don kwatancen tushe

Hanyoyin: Yadda Muka Nazartar Ma'amaloli Miliyan 2.7

Tsarin Bayanai: Bayanan ciniki da ba a bayyana ba daga asusun kasuwanci 138,421 Mewayz (Janairu-Oktoba 2024)

Girman Samfura:

Nau'in Kasuwanci: Kasuwancin e-commerce (42%), dillali (31%), sabis na ƙwararru (18%), SaaS (9%)

Ana Bibiyar Ma'auni: Ƙididdigar ƙima (jimlar kudade ÷ yawan sarrafawa), matsakaicin kuɗin ma'amala, farashi na wata-wata, kuɗaɗen ɓoye, kuɗaɗen ƙasashen duniya, ƙimar dawo da kuɗi

Lura: An ɓoye duk bayanan kuma an tara su. Biyan kuɗi na Mewayz shine haɗin haɗin gwiwarmu wanda aka haɗa don kwatantawa.

Ingantacciyar Ƙididdigar Gudanarwa: Gaskiyar Kuɗi Bayan Farashin Sitika

Kididdigar da aka buga suna faɗin ɓangaren labarin kawai. Ƙididdigar ƙimar inganci - jimlar kuɗin da aka raba ta hanyar sarrafa girma - yana bayyana farashin gaskiya bayan kuɗaɗen ɓoye, cajin wata-wata, da takamaiman abubuwan ciniki.

Processor Kimar Bugawa Mai inganci Akalla Kudin Watan Kimar Dawowa International Recharge Stripe 2.9% + $0.30 3.21% $0 ( dabam) 0.65% 1.0% an ƙara Square 2.6% + $0.10 2.94% $0-60 0.89% 1.5% an ƙara Biyan kuɗi na Mewayz 2.7% + $0.15 2.73% $0 (an haɗa) 0.42% 0.8% an ƙara Bankin Gargajiya 2.3% + $0.15 2.88% $25-75 0.51% Ya bambanta sosai

Madogararsa: Bayanan dandamali na Mewayz, 2024. Ƙimar da ta dace ta haɗa da duk kuɗin da aka raba ta hanyar sarrafa girma.

Tazarar da ke tsakanin ƙimar da aka buga da inganci ya tashi daga 0.03% (Mewayz) zuwa 0.31% (Stripe), da farko saboda:

  • Ba a cika mafi ƙarancin kowane wata ba
  • Ƙari na ƙasa da nau'in kati
  • Kudaden yarda da PCI
  • Kudin sakewa

Ƙananan Tasirin Kasuwanci: Yadda Ƙirar Kuɗaɗe take Haɗuwa a Matakan Haraji Daban-daban

Farashin sarrafa biyan kuɗi ya bambanta da girman kasuwancin. Mun ƙididdige farashin shekara don kasuwanci a matakan kudaden shiga guda huɗu:

💡 DID YOU KNOW?

Mewayz replaces 8+ business tools in one platform

CRM · Invoicing · HR · Projects · Booking · eCommerce · POS · Analytics. Free forever plan available.

Start Free →
Kudi na Shekara-shekara Farashin Tsari Farashin Ƙarya Kudin Mewayz Kudin Bankin Gargajiya Tattalin Arziki na Shekara-shekara (vs. Stripe) $50,000 $1,605 $1,470 $1,365 $1,440 $240 (Mewayz) $100,000 $3,210 $2,940 $2,730 $2,880 $480 (Mewayz) $250,000 $8,025 $7,350 $ 6,825 $7,200 $1,200 (Mewayz) $500,000 $16,050 $14,700 $13,650 $14,400 $2,400 (Mewayz) $1,000,000 $32,100 $29,400 $27,300 $28,800 $4,800 (Mewayz)

Zato: 100% kudaden shiga na kati, matsakaicin ciniki $47.50, hada-hadar cikin gida kawai.

"A $ 500,000 a cikin kudaden shiga, kasuwancin da ke amfani da hanyoyin haɗin gwiwar biyan kuɗi sun adana matsakaicin $ 2,400 a kowace shekara idan aka kwatanta da Stripe - ya isa ya rufe watanni 5-6 na software na kasuwanci."

Kudaden Boye: Kudaden Babu Wanda Yayi Magana Akan

Bayan kashi-kashi na sarrafawa, ɓoyayyun kudade suna tasiri sosai ga jimlar farashi. Bayananmu sun bayyana nau'ikan kashe kuɗi guda uku da ba a kula da su akai-akai:

1. Kudaden Yarda da PCI

Duk da yake Stripe da Square sau da yawa suna tallata "babu kuɗin PCI," kasuwancin har yanzu suna ɗaukar farashin biyan kuɗi ta hanyar ƙima mafi girma ko buƙatun tsaro na wajibi. Masu sarrafawa na gargajiya suna cajin fayyace kuɗaɗen PCI da ya kai $99 a kowace shekara.

2. Gudanar da Cajin

Ana biyan kuɗin kasuwanci $25-100 kowanne a cikin kudade da lokacin gudanarwa. Bayananmu sun nuna hanyoyin haɗin gwiwar suna da ƙarancin cajin 35-52% saboda mafi kyawun gano zamba da kayan aikin sadarwar abokin ciniki.

3. Alamar Kasuwanci ta Duniya

Yayin da duk masu sarrafawa suna ƙara kuɗi don katunan ƙasashen duniya (yawanci 1-1.5%), haɗaɗɗen dandamali galibi suna da ƙarancin ƙima saboda ƙimar da aka yi shawarwari tare da abokan aikin banki da yawa.

Ajiye Haɗin kai: Ƙimar Ƙarfin Ƙarfi

Mafi girman tanadi sau da yawa yana zuwa ne daga rage aikin gudanarwa. Kasuwancin da ke amfani da haɗin gwiwar hanyoyin biyan kuɗi sun ruwaito:

  • 67% sulhu cikin sauri:Biyan kuɗi yana daidaita ta atomatik tare da daftari da bayanan lissafin kuɗi
  • sa'o'i 3.2/sati an adana:An rage shigar da bayanan hannu da gyara kurakurai
  • 42% ƙarancin tikitin tallafi masu alaƙa da biyan kuɗi: Haɗin kai yana rage ruɗin abokin ciniki

Waɗannan tanadin aiki yawanci suna daidai da 0.5-0.8% na kudaden shiga idan aka ƙididdige su—yana rage ƙimar sarrafa gaskiya da kusan cikakken kashi.

Bincike-Takamaiman Masana'antu: Ba Duk Kasuwanci Ne Daidai ba

Kudin sarrafa biyan kuɗi ya bambanta sosai ta masana'antu. Ga yadda aka kwatanta sassa daban-daban:

Industry Akalla Ciniki Mafi kyawun Mai sarrafa ƙimar Hanyar Tasirin Ƙimar Bayanan kula Kasuwancin e-kasuwanci $84.20 Mewayz/Stripe 2.7-3.1% Haɗarin zamba yana ƙara farashi Kayayyaki $47.50 Square 2.6-2.9% Farashin mutum-mutumi ya yi ƙasa Sabis na Ƙwarewa $ 312.80 Mewayz 2.3-2.6% Ma'amaloli mafi girma sun fi dacewa da kuɗaɗen ƙira SaaS/Biyan kuɗi $29.99 a wata Stripe 2.8-3.2% Kwarewar lissafin maimaitawa

Maɓallin Takeaway: 5 Halayen Bayanan Bayanai

  1. Ingantattun ƙimar ƙima sun zarce adadin da aka buga ta 0.03-0.31%: Koyaushe lissafta jimillar kuɗaɗen ÷ sarrafa girma don farashi na gaskiya.
  2. Integrated platforms bayar da 18-34% gabaɗayan tanadi:Lokacin da ya haɗa da ribar ingantaccen aiki.
  3. Girman kasuwanci yana tasiri sosai ga zaɓi mafi kyau: Ƙarƙashin kudaden shiga na $100k ya fi son Square; sama da $250k suna son haɗaɗɗen dandamali.
    4. Ƙididdigar masana'antu na musamman fiye da ƙananan bambance-bambancen kuɗi:     Kasuwancin e-commerce yana buƙatar kayan aikin zamba; dillali yana buƙatar dacewa da hardware.
  4. Kudaden da aka ɓoye suna wakiltar kashi 12-28% na jimlar kuɗin sarrafawa: Kudaden PCI, cajin baya, da kuma alamar ƙasa da ƙasa.
"Zaɓan na'ura mai sarrafa biyan kuɗi bisa ƙimar da aka buga kawai kamar siyan mota ne don farashin sitika ba tare da la'akari da ingancin mai, farashin kulawa, da ƙimar inshora ba."

Kammalawa: Duba Sama da Kashi

Binciken mu na ma'amaloli miliyan 2.7 ya nuna cewa ainihin farashin aiwatar da biyan kuɗi ya wuce adadin da aka tallata + tsarin kuɗi. Dole ne 'yan kasuwa suyi la'akari da:

  • Sakamakon ingantaccen aiki daga haɗin kai
  • Boyayyen kudade da gudanar da cajin kuɗi
  • Sakamako yayin da kasuwancin ke haɓaka
  • Takamaiman buƙatun masana'antu da bayanan haɗari

Yayin da Stripe ya yi fice ga masu haɓakawa kuma Square ya mamaye ƙananan kasuwancin, haɗe-haɗen dandamali kamar Biyan kuɗi na Mewayz suna ba da mafi kyawun ƙimar gabaɗaya don kafaffen kasuwancin da ke ba da fifiko da inganci da haɓaka.

Zazzage Cikakken Rahoton Gudanar da Biyan Kuɗi

Samu cikakken binciken mu mai shafuka 28 tare da rugujewar masana'antu, farashin faɗaɗawar ƙasa da ƙasa, da lissafin tanadi na al'ada.

Zazzage Cikakken Rahoton (Kyauta)

Tambayoyin da ake yawan yi

Q: Me yasa ingantattun farashin ya bambanta da farashin da aka buga?
A: Matsakaicin ƙima sun haɗa da duk wasu kudade-mafi ƙarancin wata-wata, yarda da PCI, ƙarin cajin ƙasa da ƙasa, da farashin dawo da caji-wanda aka raba ta jumillar ƙarar sarrafawa. Adadin da aka buga yawanci yana nuna kawai kashi ɗaya + kuɗin ma'amala.
Q: Shin hadedde dandamalin biyan kuɗi sun fi tsada?
A: Yayin da kuɗaɗen software na wata-wata na iya zama mafi girma, haɗaɗɗen dandamali galibi suna da ƙarancin sarrafa ƙimar sarrafawa da gagarumin tanadin aiki. Bayananmu ya nuna jimlar rage farashin 18-34% idan aka haɗa da tanadin lokaci.
Q: Ta yaya zan lissafta farashin sarrafawa na na gaskiya?
A: Ɗauki jimlar kuɗin sarrafa kuɗin ku na tsawon watanni 3-6 (gami da duk kuɗin wata-wata, farashin PCI, da sauransu) kuma ku rarraba ta jimillar ƙarar sarrafa ku. Kwatanta wannan tasiri mai tasiri a tsakanin masu samarwa.
Q: Ya kamata kananan kamfanoni su yi amfani da Square ko Stripe?
A: Ga kasuwancin da ke kasa da $100k kudaden shiga, Square yawanci yana ba da mafi kyawun farashi da saiti mafi sauƙi. Don kasuwancin da ke shirin haɓaka cikin sauri, yi la'akari da dandamali waɗanda ke da ma'auni tare da haɗin kai.
Q: Nawa ne haxin kai zai iya adanawa?
A: Kasuwancin da ke amfani da hadedde biyan kuɗi suna adana sa'o'i 3.2 a mako-mako akan ayyukan gudanarwa - wanda ya kai kusan $4,000 a kowace shekara don matsakaicin ƙaramin kasuwanci-da rage kurakurai da haɓakar tsabar kuɗi.

Hanyoyin Kulawa: Bayanan da aka tattara daga amfani da dandamali na Mewayz da ba a san su ba Janairu-Oktoba 2024. Samfurin ya ƙunshi kasuwanci 138,421 a cikin masana'antu 207. Duk ƙimar kuɗi a cikin USD.