Platform Strategy

Ịkwụ Ụgwọ Nhazi Ọnụ Analysis 2024: Stripe vs Square vs Integrated Platforms | Mewayz Data

Nanị data sitere na azụmaahịa 138K na-ekpughe ezi ụgwọ nhazi ịkwụ ụgwọ. Tulee Stripe, Square, na nyiwe agbakwunyere na ezigbo data azụmahịa, ụgwọ zoro ezo, yana ọnụahịa 2024.

11 min read

Mewayz Team

Editorial Team

Platform Strategy

Ntụle nhazi ọnụ ahịa ịkwụ ụgwọ 2024: Stripe vs Square vs Integrated Business Platform

Ebipụtara: Disemba 2024 | Isi mmalite data: Mewayz Business OS (ndị ọrụ 138,000+)

Azụmahịa mefuru ihe karịrị ijeri $138 na ụgwọ nhazi ịkwụ ụgwọ na 2023 naanị. Mana ọtụtụ ntụnyere ọnụ ahịa na-adabere na ọnụego ebipụtara karịa data azụmahịa n'ezie. N'iji data ezoro ezo sitere na azụmaahịa 138,000+ n'elu ikpo okwu Mewayz, anyị nyochara azụmahịa nde 2.7 na-agbakọta $487 nde iji kpughee ọnụ ahịa ịkwụ ụgwọ n'ezie.

"Ngwakọta ikpo okwu echekwara azụmaahịa 18-34% ma e jiri ya tụnyere ndị na-arụ ọrụ kwụ ọtọ-ọ bụghị naanị na ụgwọ, kama site na mbelata ego nchịkwa na njikwa ego na-emeziwanye."

Ọdịbe ala na-ahazi ịkwụ ụgwọ: Karịrị naanị pasentị

Ọ bụ ezie na Stripe na Square na-achịkwa akụkọ akụkọ, data anyị na-ekpughe na ụlọ ọrụ azụmaahịa na-ahọrọ usoro ịkwụ ụgwọ agbakwunyere na-ejikọ ozugbo na ngwa ndekọ ego ha, CRM, na ngwanrọ arụmọrụ. Usoro ikpo okwu Mewayz na-ahazi ịkwụ ụgwọ site n'ọtụtụ ọnụ ụzọ ámá, na-enye anyị nghọta pụrụ iche banyere ọnụ ahịa ụwa n'ezie karịa ọnụego mgbasa ozi.

Ntụle anyị gbadoro ụkwụ na ngalaba atọ:

  • Ndị nhazi kwụ ọtọ(Stripe, Square) - nyiwe ịkwụ ụgwọ-mbụ
  • Integrated platforms(Mewayz Payments, yiri azụmahịa OS ngwọta) - Payments agbakwunyere na azụmahịa software
  • Ndị nhazi ọdịnala(ihe ngwọta dabere na ụlọ akụ) - Maka ntụnyere ntọala

Usoro: Otu anyị siri nyochaa azụmahịa nde 2.7

Ebe data:Data azụmahịa ezoro ezo sitere na akaụntụ azụmahịa 138,421 Mewayz (January-October 2024)

Nha Nlereanya: 2,743,892 azụmahịa ruru $487,203,184

Ụdị azụmahịa:E-azụmahịa (42%), mkpọsa (31%), ọrụ ọkachamara (18%), SaaS (9%)

Metrics esoro: Ọnụego dị irè (ngụkọta ụgwọ ÷ nhazi olu), nkezi ụgwọ azụmahịa, ụgwọ ọnwa, ụgwọ zoro ezo, ụgwọ mba ụwa, ọnụego nkwụghachi

Rịba ama: Amachibidoro data niile ma chịkọta ya. Payments Mewayz bụ ihe ejikọtara ọnụ anyị gụnyere maka ntụnyere.

Ọnụego nhazi nke ọma: Ezigbo ọnụ ahịa gafere ọnụahịa ihe mmado

Ọnụego ebipụtara na-akọ naanị akụkụ nke akụkọ ahụ. Ọnụego dị irè—ngụkọta ụgwọ nke kewara site na nhazi olu—na-ekpughe ezi ọnụ ahịa mgbe ụgwọ zoro ezo, ụgwọ ọnwa, na ihe ndị metụtara azụmahịa.

Processor ọnụego ebipụtara Ọnọdụ dị irè Aha. Ụgwọ kwa ọnwa ọnụego nkwụghachi Mgba ụgwọ mba ụwa Stripe 2.9% + $0.30 3.21% $0 (dị iche) 0.65% 1.0% agbakwunyere Square 2.6% + $0.10 2.94% $0-60 0.89% 1.5% agbakwunyere Ụgwọ Mewayz 2.7% + $0.15 2.73% $0 (gụnyere) 0.42% 0.8% agbakwunyere Ụlọ akụ ọdịnala 2.3% + $0.15 2.88% $25-75 0.51% dị iche iche

Isi mmalite: data ikpo okwu Mewayz, 2024. Ọnụego dị irè gụnyere ụgwọ niile kewara site na nhazi olu.

Oghere dị n'etiti ọnụego ebipụtara na nke dị irè sitere na 0.03% (Mewayz) ruo 0.31% (Stripe), bụ isi n'ihi:

  • Opekempe kwa ọnwa emezughị
  • Ụgwọ ụgwọ mba ụwa na ụdị kaadị
  • Ụgwọ nnabata PCI
  • Ego nkwụghachi

Mmetụta Azụmahịa Obere: Otu esi agbakọ ụgwọ n'ọkwa ego mbata dị iche iche

Ọnụ ahịa nhazi ịkwụ ụgwọ dị iche iche n'ogo azụmahịa. Anyị na-agbakọ ụgwọ ọnwa maka ụlọ ọrụ na ọkwa ego anọ:

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Mweta ego kwa afọ Ọnụ ụzọ ọnụahịa square Ọnụ ego Mewayz Ụgwọ ụlọ akụ ọdịnala Echekwa kwa afọ (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)

Atụmatụ: 100% ego enwetara kaadị, nkezi azụmahịa $47.50, azụmahịa ụlọ naanị.

"Na $ 500,000 na ego ha nwetara, azụmahịa ndị na-eji usoro nkwụnye ụgwọ agbakwunyere na-echekwa nkezi nke $ 2,400 kwa afọ ma e jiri ya tụnyere Stripe - zuru ezu iji kpuchie ọnwa 5-6 nke ngwanrọ azụmahịa."

Ego ezoro ezo: Ụgwọ ahụ Ọ dịghị onye na-ekwu maka

Ewezuga pasentị nhazi, ụgwọ ezoro ezo na-emetụta oke ọnụ ahịa. Data anyị na-ekpughe ụdị mmefu atọ a na-elegharakarị anya:

1. Ụgwọ nnabata PCI

Ọ bụ ezie na Stripe na Square na-akpọsakarị "enweghị ụgwọ PCI," ụlọ ọrụ ka na-akwụ ụgwọ nnabata site na ọnụego dị elu ma ọ bụ ihe nchekwa iwu kwadoro. Ndị nhazi ọdịnala na-ana ụgwọ PCI doro anya nke dị $99 kwa afọ.

2. Njikwa Njikere

Nkwụghachi na-eri azụmaahịa $25-100 nke ọ bụla na ụgwọ yana oge nhazi. Data anyị na-egosi na ikpo okwu agbakwunyere nwere 35-52% nkwụghachi ụgwọ dị ala n'ihi nchọpụta aghụghọ na ngwa nzikọrịta ndị ahịa.

3. Akara azụmahịa mba ofesi

Ọ bụ ezie na ndị nhazi niile na-agbakwunye ụgwọ maka kaadị mba ụwa (nke na-abụkarị 1-1.5%), nyiwe agbakwunyere na-enwekarị akara dị ala n'ihi ọnụego mkparịta ụka na ọtụtụ ndị mmekọ ụlọ akụ.

Nchekwa mwekota: Ego arụmọrụ arụmọrụ

Echekwa ego kacha ukwuu na-abịakarị site na mbelata ọrụ nchịkwa. Azụmahịa na-eji ngwọta ịkwụ ụgwọ agbakwunyere kọrọ:

  • 67% mmezi ngwa ngwa: Paymentkwụ ụgwọ dabara na akwụkwọ ọnụahịa na ndekọ ndekọ ego
  • 3.2 awa / izu echekwara: Ewelatala ntinye data akwụkwọ ntuziaka na mmezi njehie
  • 42% obere tiketi nkwado metụtara ịkwụ ụgwọ:Sistemụ ejikọtara ọnụ na-ebelata mgbagwoju anya ndị ahịa

Echekwa ego ndị a na-arụ ọrụ hà nhata 0.5-0.8% nke ego ha nwetara mgbe agụpụtara ya—na-ebelata ọnụ ahịa nhazi nke ọma site n'ihe fọrọ nke nta ka ọ bụrụ pasentị zuru ezu.

Nchọpụta ụlọ ọrụ akọwapụtara: Ọ bụghị Azụmahịa Niile Ha nhata

Ụgwọ nhazi ịkwụ ụgwọ dị iche iche site na ụlọ ọrụ. Nke a bụ otu mpaghara dị iche iche si atụnyere:

Ụlọ ọrụ Aha. Azụmahịa Ihe Nhazi Uru Kasị Mma Ọnọdụ dị irè Ihe ndetu E-azụmahịa $84.20 Mewayz/Stripe 2.7-3.1% Ihe egwu wayo ka ukwuu na-abawanye ọnụ ahịa ụlọ ahịa $47.50 Square 2.6-2.9% Ọnụego mmadụ n'onwe dị ala Ọrụ Ọkachamara $312.80 Mewayz 2.3-2.6% Azụmahịa buru ibu na-akwado ụgwọ akwụghị ụgwọ SaaS/ndebanye aha $29.99 kwa ọnwa Stripe 2.8-3.2% Ọkachamara ịgba ụgwọ na-eme ugboro ugboro

Nzọụkwụ isi: Nhụta 5 data chụpụrụ

  1. Ọnụego dị irè gafere ọnụego ebipụtara site na 0.03-0.31%: Na-agbakọ oge niile ụgwọ mkpokọta ÷ nhazi olu maka ezi ụgwọ.
  2. Integrated platforms na-enye 18-34% mkpokọta ego:Mgbe gụnyere uru arụmọrụ arụmọrụ.
  3. Nha azụmahịa na-emetụta oke nhọrọ: N'okpuru ego ha nwetara $100k na-akwado Square; ihe karịrị $250k kwadoro ikpo okwu agbakwunyere.
  4. Industry-kpọmkwem mkpa ihe karịrị obere ọnụego dị iche iche:E-azụmahịa chọrọ ngwá ọrụ aghụghọ; ụlọ ahịa chọrọ ndakọrịta ngwaike.
  5. Ego ezoro ezo na-anọchi anya 12-28% nke ngụkọta mmefu nhazi:ụgwọ PCI, nkwụghachi ụgwọ, na akara mba ụwa gbakwụnye.
"Ịhọrọ usoro nkwụnye ụgwọ dabere naanị na ọnụego ebipụtara dị ka ịzụrụ ụgbọ ala maka ọnụ ahịa ihe mmado ya na-atụleghị arụmọrụ mmanụ ụgbọala, ụgwọ mmezi, na ego mkpuchi."

Nkwubi okwu: Lee gafere pasentị

Nnyocha anyị nke azụmahịa nde 2.7 na-ekpughe na ezi ọnụ ahịa nke nhazi ugwo na-agafe karịa nhazi pasentị + agbasapụtara. Azụmahịa kwesịrị ịtụle:

  • Erite uru arụmọrụ sitere na ntinye
  • Ụgwọ ezoro ezo na njikwa nkwụghachi ụgwọ
  • Scalability ka azụmahịa na-eto
  • Mkpa ụlọ ọrụ akọwapụtara yana profaịlụ ihe egwu

Ọ bụ ezie na Stripe kacha mma maka ndị mmepe yana Square na-achịkwa obere azụmaahịa, nyiwe agbakwunyere dị ka Mewayz Payments na-enye uru kachasị mma maka azụmaahịa guzobere na-ebute ụzọ arụmọrụ na uto.

Budata akụkọ nhazi ịkwụ ụgwọ zuru oke

Nweta nyocha ihu akwụkwọ 28 zuru ezu yana ndakpọ ụlọ ọrụ, ụgwọ mgbasawanye mba ụwa, yana mgbako nchekwa ego omenala.

Budata akụkọ zuru ezu (N'efu)

Ajụjụ a na-ajụkarị

Q: Gịnị kpatara ọnụego dị irè ji dị iche na ọnụego ebipụtara?
A: Ọnụego dị irè gụnyere ụgwọ niile—opekempe kwa ọnwa, nnabata PCI, ụgwọ mba ụwa, na ụgwọ nkwụghachi azụ—kewara site na mkpokọta nhazi. Ọnụego e bipụtara na-egosikarị naanị pasentị + ụgwọ azụmahịa ọ bụla.
Q: Usoro ịkwụ ụgwọ agbakwunyere ọ dị ọnụ karịa?
A: Ọ bụ ezie na ụgwọ sọftụwia kwa ọnwa nwere ike ịdị elu, nyiwe agbakwunyere na-enwekarị ọnụego nhazi dị ala yana nnukwu nchekwa ọrụ. Data anyị na-egosi mbelata ọnụ ahịa 18-34% mgbe etinyere oge nchekwa.
Q: Kedu otu m ga-esi gbakọọ ụgwọ nhazi m n'ezie?
A: Were mkpokọta ego nhazi gị maka ọnwa 3-6 (gụnyere ụgwọ ọnwa niile, ụgwọ PCI, wdg) wee kewaa site na mkpokọta nhazi gị. Tụlee ọnụego a dị irè n'ofe ndị na-eweta ya.
Q: Obere azụmaahịa kwesịrị iji Square ma ọ bụ Stripe?
A: Maka azụmaahịa n'okpuru ego ha nwetara $100k, Square na-enyekarị ọnụego ka mma yana nhazi dị mfe. Maka azụmahịa na-eme atụmatụ uto ngwa ngwa, tụlee nyiwe ndị na-eji ego akwụ ụgwọ ejikọta ọnụ.
Q: Ego ole ka mwekota nwere ike chekwaa?
A: Azụmahịa na-eji nkwụnye ụgwọ agbakwunyere na-echekwa awa 3.2 kwa izu n'ọrụ nchịkwa - nke ruru ihe dị ka $4,000 kwa afọ maka obere azụmaahịa - gbakwunyere mperi mperi yana mmụba ego.

Methodology Cheta: Data anakọtara site anonymized Mewayz ikpo okwu ojiji January-October 2024. Sample gụnyere 138,421 azụmahịa gafee 207 ụlọ ọrụ. Ọnụ ahịa ego niile dị na USD.