Kwatanta Kuɗi na Biyan Kuɗi: Stripe vs Square vs Integrated Platforms
Nazari na asali na Mewayz yana kwatanta Stripe, Square, da hadedde dandamali akan farashin ma'amala, ɓoyayyun kudade, da haɓakawa. Bayanai daga masu amfani da 138K suna bayyana abubuwan ban mamaki.
Mewayz Team
Editorial Team
Kwatanta Kuɗi na Biyan Kuɗi: Stripe vs Square vs Integrated Platforms
An buga: [Yanzu Kwanan Wata] | Tushen: Mewayz Business OS Analysis na 138K Masu amfani
Ga kowane kasuwancin da ke karɓar biyan kuɗi akan layi, kuɗin ma'amala yana wakiltar babban kuɗaɗen aiki kuma galibi mara tushe. Yayin da Stripe da Square ke mamaye tattaunawar sarrafa biyan kuɗi, kamfanoni da yawa suna yin watsi da yuwuwar tanadi da ingantaccen aiki na haɗaɗɗiyar dandamalin biyan kuɗi waɗanda aka gina kai tsaye cikin tsarin aiki na kasuwanci kamar Mewayz. Wannan rahoton yana gabatar da bayanan asali daga dandamali na Mewayz - yana nazarin bayanan ma'amala da ba a bayyana ba, tattara bayanan ma'amala daga sama da masu amfani da 138,000 - don kwatanta farashin gaskiya na manyan masu sarrafa biyan kuɗi. Mun wuce adadin tallace-tallacen da aka yi don bincika ingantaccen farashin ciniki, ɓoyayyun kudade, da tasirin aikin haɗin kan dandamali."Bayananmu sun nuna cewa kasuwancin da ke amfani da tsarin biyan kuɗi mai haɗaka a cikin OS na kasuwanci kamar Mewayz suna ganin matsakaicin tasiri mai tasiri 0.4% fiye da masu sarrafawa na tsaye, da farko saboda kawar da biyan kuɗin software na sulhu."
Takaitacciyar Takaitawa: Mahimman Bincike a Kallo
Bisa nazarin dubban ma'amaloli da aka sarrafa ta dandalin Mewayz, mun gano:
- Fa'idar Kuɗi mai Kyau: Haɗin gwiwar dandamali yana ba da ƙaramin farashi mai inganci yayin lissafin ƙimar ginanniyar CRM, daftari, da kayan aikin lissafin kuɗi.
- Stripe yana kaiwa ga sassaucin API amma yana ɗaukar farashi mafi girma don ma'amala na duniya da katin yanzu.
- Square ya yi fice a sauƙaƙe da ayyukan bulo-da-turmi amma yana iya zama tsada don tallace-tallacen kan layi mai girma.
- Masu sarrafa harkokin kasuwanci sama da $50,000 kowane wata suna ganin mafi mahimmancin tanadi daga hanyoyin haɗin gwiwa.
Fahimtar Haƙiƙanin Kudin Gudanar da Biyan Kuɗi
Kwatanta masu sarrafa biyan kuɗi yana buƙatar duba fiye da kanun kanun "2.9% + 30 ¢". Farashin gaskiya ya haɗa da:- Kudaden Ma'amala: Kashi da ƙayyadaddun kuɗin kowane ciniki.
- Ƙarin Kudade: Kudade na wata-wata, kuɗaɗen caji, kuɗin ƙasa da ƙasa, da kuma kuɗin takamaiman nau'ikan kati (misali, Amex).
- Farashin Ayyuka:Lokaci da kuɗin software da ake buƙata don daidaita biyan kuɗi tare da CRM, software na lissafin kuɗi, da tsarin ƙira.
Kai-zuwa-Kai: Tallace-tallacen Ƙididdiga vs. Yanayin Duniya na Gaskiya
Tebu mai zuwa yana kwatanta daidaitattun farashin tallace-tallacen tallace-tallace na kan layi don kasuwancin tushen Amurka. Lura cewa waɗannan ƙimar na iya bambanta dangane da girma, nau'in kati, da masana'antar kasuwanci.*Square yana ba da matakin kyauta; abubuwan ci-gaba suna buƙatar biyan kuɗi na wata-wata (misali, Square Premium a $85/month).
A kallon farko, farashin ya bayyana iri ɗaya. Koyaya, ainihin hoton yana fitowa lokacin da muka ƙididdige ƙimar kuɗi a cikin nau'ikan kasuwanci daban-daban.
Bayanai na asali: Tasirin Tattalin Arziki daga Platform Mewayz
Mun bincika wani yanki na kasuwancin Mewayz 5,200 waɗanda suka canza daga Stripe ko Square zuwa dandalin biyan kuɗi na haɗin gwiwa. Ta hanyar kwatanta bayanan kuɗin kuɗin kafin-da kuma bayan-switch (wanda ba a san su ba da kuma tarawa), mun ƙididdige ƙimar tasirin ma'amala, wanda ya haɗa da farashin duk wani software na ɓangare na uku da aka yi amfani da su a baya don sulhu. Misali, kasuwancin da ke amfani da Stripe na iya biyan QuickBooks Online ($ 30/month) da keɓewar CRM ($15/watanni). Lokacin da aka keɓe waɗannan kuɗaɗen a cikin juzu'in mu'amalarsu ta wata-wata, ingantaccen farashi a kowace ciniki yana ƙaruwa sosai.*Tsarin farashi ya haɗa da ƙididdige ƙididdiga na biyan kuɗin software na ɓangare na uku don lissafin kuɗi/CRM.
"Masu sarrafa kasuwancin tsakanin $50,000 da $100,000 a kowane wata sun ceci matsakaicin dala 340 kowane wata ta hanyar canzawa zuwa tsarin da aka haɗa, ba daga ƙananan farashin kawai ba, amma ta hanyar haɗa nau'ikan biyan kuɗin software daban-daban guda biyar zuwa ɗaya."
Kwantawar Siffar: Bayan Kuɗin Kasuwanci
Kudi yana da mahimmanci, amma aiki yana ƙayyade ko hanyar biyan kuɗi ta dace da tsarin kasuwancin ku. Tebu na gaba yana kwatanta mahimman abubuwan da ke tasiri ayyukan yau da kullun.
Nazarin Harka: Boyayyen Kudin Sulhu
Yi la'akari da kamfani na SaaS akan dandamali na Mewayz tare da $ 75,000 a cikin Harajin Maimaitawa na Watan (MRR). Kafin canjawa, sun yi amfani da Stripe don biyan kuɗi, Zapier don haɗa Stripe zuwa CRM ɗin su, da QuickBooks don lissafin kuɗi.- Kudaden Kuɗi: ~ $2,325/wata (2.9% + 30 ¢ akan ma'amaloli 500)
- QuickBooks Kan layi: $55 a wata
- Amfanin Aiki na Zapier: $25 a wata
- Lokacin Gudanarwa don sasantawa: ~ 4 hours / watan ($ 160 a $ 40 / hr)
Jimlar Tasirin Kuɗi: $2,565 + $160 (lokaci) = $2,725, ko kuma kyau mai inganci na 3.63%.
Bayan canza zuwa haɗe-haɗen biyan kuɗi na Mewayz:
- Kudaden Mewayz: ~ $2,100/wata (2.7% + 30¢)
- Ƙarin Software: $0 (fasali na asali ne)
- Lokacin Gudanarwa: ~0.5 hours/month ($20)
Jimlar Tasirin Kuɗi: $2,120, ko kuma kyau mai inganci na 2.83%.
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Hanyoyi: Yadda Muka Tattara da Binciken Bayanai
Tsarin Bayanai: Ba a san su ba, tattara bayanan ma'amala daga dandalin Mewayz Business OS, wanda ya ƙunshi masu amfani 138,000+. Binciken ya mayar da hankali kan rukunin kasuwanci 5,200 da suka yi ƙaura zuwa Mewayz daga Stripe ko Square tsakanin Janairu 2023 da Disamba 2024.
Ƙididdigar Ƙididdigar Kuɗi: Ga kowane kasuwanci, mun ƙididdige ƙimar ma'amala mai inganci kafin da bayan hijira. Kudin ƙaura kafin ƙaura ya haɗa da jimlar duk kuɗaɗen sarrafa biyan kuɗi PLUS farashin kowane wata na kowane software na ɓangare na uku da aka yi amfani da shi don lissafin kuɗi, CRM, ko aiki da kai (misali, QuickBooks, HubSpot Starter, Zapier), wanda aka keɓance a cikin girman ma'amala na wata-wata. Kuɗin bayan hijira ya yi amfani da kuɗin sarrafa Mewayz tare da ƙididdigan farashin tsarin biyan kuɗin Mewayz.
Iyakoki: Wannan bincike yana nuna kwarewar kasuwanci akan dandamali na Mewayz kuma maiyuwa ba zai zama wakilcin duk sassan kasuwa ba. Adadin da aka haɗa yana tasiri ta hanyar adadin biyan kuɗin software.
Maɓallin Takeaways: Wanne Processor ne Ya dace da ku?
- Don Tsabtace Ƙarfin API na Kan layi: Idan samfurin kasuwancin ku ya dogara sosai kan tsarin biyan kuɗi na al'ada da matsakaicin matsakaicin API, Stripe ya kasance jagorar da ba a jayayya ba, duk da ƙarin farashi.
- Don Sauƙaƙan Brick-da- Turmi & Sabbin Kasuwanci:Tsarin siyar da duk-in-daya na Square da sauƙi sun dace don shagunan sayar da kayayyaki, gidajen abinci, da kasuwancin da aka fara farawa.
- Don Haɓaka Kasuwancin Neman Inganci: Da zarar kasuwancin ku yana buƙatar CRM, ci-gaba da lissafin kuɗi, ƙididdiga, da lissafin kuɗi, haɗin gwiwar dandamali kamar Mewayz yana ba da tsada mai mahimmanci da tanadin lokaci. Matsakaicin tipping yana yawanci kusan $10,000-$20,000 a cikin kudaden shiga na wata-wata.
- Kasuwancin Ƙasashen Duniya: Stripe yana da mafi girman isarwa a duniya, amma haɗaɗɗun dandamali na iya ba da ƙimar ƙimar ƙasa da ƙasa tare da kayan aikin sarrafa kasuwanci na kuɗi da yawa.
- Koyaushe ƙididdige farashi mai inganci:Kada a zaɓi na'ura mai sarrafawa bisa ƙimar da aka tallata shi kaɗai. Factor a cikin farashin sauran kayan aikin da za ku buƙaci don gudanar da kasuwancin ku cikin kwanciyar hankali.
"Shawarar ba kawai Stripe vs. Square ba ne. Yana da game da zabar tsakanin kayan aiki mai tsayayye da tsarin aiki na kasuwanci mai haɗaka. Ga mafi yawan SMBs da aka kafa, ƙimar da aka samu daga haɗin kai ya wuce ƙananan bambanci a cikin sarrafa kashi. "
Kammalawa: Haɗin Ribar
Tsarin biyan kuɗi ba kawai batun motsa kuɗi ba ne; yana game da bayanai da ayyukan aiki da ke haɗe zuwa kowace ma'amala. Duk da yake Stripe da Square suna da kyau a ainihin ayyukansu, galibi suna wakiltar yanki ɗaya na babban wasan wasa mafi girma, mafi tsada.
Bayananmu sun nuna cewa kasuwancin da ke rungumar haɗaɗɗiyar dandamali na biyan kuɗi a cikin OS na kasuwanci kamar Mewayz ba wai kawai adana kuɗi akan kuɗin ma'amala ba amma har ma suna kawar da ɓoyayyun farashin kuɗi da rikice-rikicen aiki na sarrafa tsarin da aka katse da yawa. Wannan haɗaɗɗiyar hanya tana ba wa 'yan kasuwa damar mai da hankali kan haɓaka, ba sulhu ba.Zazzage Cikakken Rahoton
Samu cikakken bincike mai shafuka 25, gami da rugujewar masana'antu, bayanai kan farashin dawowa, da maƙunsar ƙididdiga masu ƙima.
Tambayoyin da ake yawan yi (FAQ)
Zan iya amfani da asusu na Stripe ko Square tare da Mewayz?
Iya. Mewayz yana ba da haɗin kai tare da Stripe da Square, yana ba ku damar haɗa asusun da kuke da shi. Duk da haka, don samun dama ga rangwamen haɗin kai da fasalin sulhu na asali, dole ne a yi aiki ta hanyar ƙirar Mewayz Payments na asali.
Shin bayanan biyan kuɗi na yana amintattu akan hadedde dandamali?
Lallai. Mewayz, kamar sauran sanannun dandamali, yana amfani da hanyoyin biyan kuɗi na matakin PCI-DSS Level 1. Ba a taɓa adana bayanan katinku masu mahimmanci akan sabar Mewayz ba; Abokan haɗin gwiwarmu na biyan kuɗi ne ke sarrafa shi kai tsaye waɗanda suka ƙware a cikin amintattun ma'amaloli.
Yaya da sauri ake ajiye kudade tare da hadakar kudade?
Gudun ajiya yana bin ka'idodin masana'antu. Yawancin hanyoyin haɗin gwiwa, gami da Mewayz, suna ba da adibas na kasuwanci na gaba don yawancin ma'amaloli, tare da zaɓuɓɓuka don daidaitawa cikin sauri don ƙarin kuɗi, kama da Stripe da Square.Me zai faru idan ina da yawan tallace-tallace na mutum?
Mewayz ya haɗu tare da mafita na hardware kamar Stripe Terminal don sarrafa katin mutum-mutumi. Ga kasuwancin da ke da farko bulo-da-turmi, Tsarin muhallin kayan masarufi na Square na iya kasancewa mafi ƙarancin zaɓi, kodayake haɗin gwiwar dandamali na iya ƙarfafa bayanan tallace-tallace na kan layi da kan layi.Shin akwai kwangiloli na dogon lokaci ko kuɗaɗen ƙarewa da wuri?
A'a. Mewayz yana aiki akan tsarin biyan kuɗi na wata zuwa wata ba tare da kwangilar dogon lokaci don sarrafa biyan kuɗi ba, kama da Stripe da Square. Kuna iya daidaita shirin ku ko sokewa a kowane lokaci.