Katua a Wɔde Di Dwuma Ho Ntotoho: Stripe vs Square vs Integrated Platforms
Mfitiaseɛ Mewayz data nhwehwɛmu de Stripe, Square, ne integrated platforms toto ayɔnkofa ho ka, sika a wɔde asie, ne scalability ho. Data a efi 138K users da nhumu a ɛyɛ nwonwa adi.
Mewayz Team
Editorial Team
Atua ho dwumadie ho ka a wɔde toto ho: Stripe vs Square vs Integrated Platforms
Wɔatintim: [Mprempren Da] | Fibea: Mewayz Adwumayɛ OS Nhwehwɛmu a wɔyɛe wɔ 138K a wɔde di dwuma
Wɔ adwuma biara a egye sikatua wɔ intanɛt so no, atɔ ho ka gyina hɔ ma adwumayɛ ho ka a ɛho hia na ɛtaa yɛ nea ɛnyɛ nea ɛda adi pefee. Bere a Stripe ne Square di sikatua ho nhyehyɛe ho nkɔmmɔbɔ so no, nnwuma pii bu wɔn ani gu sikakorabea a ebetumi aba ne adwumayɛ mu mmɔdenbɔ a ɛwɔ sikatua nhyehyɛe a wɔaka abom a wɔasisi tẽẽ wɔ adwumayɛ nhyehyɛe te sɛ Mewayz mu no so.
| Yɛkɔ akyiri sen sika a wɔabɔ ho dawuru de hwehwɛ nkitahodi ho ka a etu mpɔn, ɛka a wɔde asie, ne adwumayɛ mu nkɛntɛnso a ɛwɔ platform nkabom so.a wɔde ahyɛ mu "Yɛn data da no adi sɛ nnwuma a wɔde sikatua akwan a wɔaka abom di dwuma wɔ adwumayɛ OS te sɛ Mewayz mu no hu sɛ sɛ wɔkyekyem pɛpɛɛpɛ a, asɛm a etu mpɔn ho ka a ɛba fam 0.4% sen standalone processors, titiriw esiane mpata softwea nkrataa a wɔayi afi hɔ nti."na ɛkyerɛ sɛ woayɛ
Adwumayɛfo Nsɛm a Wɔaboaboa Ano: Nneɛma Titiriw a Wɔahu wɔ Ahwɛyiye mu
Yɛgyina yɛn nhwehwɛmu a yɛyɛe wɔ nnwuma mpempem pii a wɔfaa Mewayz platform no so di ho dwuma no so hui sɛ:
- Mfasoɔ a ɛwɔ ɛka a wɔbɔ mu yie: platforms a wɔaka abom ma ɛka ɛtu mpɔn a ɛba fam berɛ a wɔrebu boɔ a ɛwɔ CRM, invoicing, ne akontabuo nnwinnadeɛ a wɔasisi mu no ho akontaa.
- Stripe di anim ma API a ɛyɛ mmerɛw nanso ɛde ɛka a ɛkɔ soro ma amanaman ntam ne kaad-a wɔde di dwuma.
- Square di mu wɔ nneɛma a ɛnyɛ den ne birikisi ne atɛkyɛ adwumayɛ mu nanso ebetumi ayɛ nea ne bo yɛ den ma intanɛt so adetɔn a ɛkɔ soro.
- Nnwuma a wɔyɛ bɛboro $50,000 ho adwuma ɔsram biara no hu sikakorabea a ɛho hia sen biara fi nhyiam ahorow a wɔaka abom mu.
Nokware Ka a Wɔbɔ wɔ Katua Ho Dwumadi Ho Ntease
Sɛ wode toto payment processors ho a, ɛhwehwɛ sɛ wohwɛ kɔ akyiri sen asɛmti "2.9% + 30¢" rate. Nokware ka no bi ne:
- Adwumayɛ ho Ka: Ɔha mu nkyekyɛmu ne sika a wɔahyɛ ato hɔ wɔ asɛm biara mu.
- Nka a Wɔde Ka Ho: Ɔsram biara ka, sika a wɔbɔ wɔ sika a wɔde tua ho ka, amanaman ntam sika a wɔbɔ, ne sika a wɔbɔ wɔ kaad ahorow pɔtee bi ho (e.g., Amex).
- Adwumayɛ ho Ka: Bere ne softwea ho ka a ɛhia na wode asiesie sikatua ne wo CRM, akontabuo softwea, ne nneɛma a wɔde asie nhyehyɛeɛ.
Ɛyɛ saa asɛm a etwa to yi—adwumayɛ ho ka—beae a platforms a wɔaka abom no yɛ soronko titiriw wɔ standalone processors te sɛ Stripe ne Square.
Ti-ne-Ti: Nneɛma a Wɔabɔ ho Dawuru vs. Wiase Ankasa Nsɛm
Pon a ɛdidi soɔ yi de toto gyinapɛn a wɔbɔ ho dawuru wɔ intanɛt so kaad so nkitahodiɛ ho ma nnwuma a ɛwɔ U.S. Hyɛ no nsow sɛ saa sika yi betumi ayɛ soronko a egyina dodow, kaad su, ne adwumayɛ adwumayɛbea so.
| Processor | Standard Online Rate | Keyed/Manual Entry Rate | Amanaman Ntam Ka a Wɔde Ka Ho | Ɔsram Biara Ka | Ka a Wɔsan Ka |
|---|---|---|---|---|---|
| Ntrɛwmu | 2.9% + 30¢ | 3.5% + 30¢ | 1.5% foforo | $0 | $15 |
| Ahinanan | 2.9% + 30¢ | 3.5% + 15¢ | 1.5% foforo | $0* | $0** |
| Mewayz Integrated | 2.7% + 30¢ | 3.2% + 15¢ | 1.0% foforo | Wɔde ka nhyehyɛe | $10 |
*Square de tier a wontua hwee ma; nneɛma a ɛkɔ anim hwehwɛ sɛ wɔkra ɔsram biara (e.g., Square Premium wɔ $85/ɔsram).
**Square gyae chargeback fees sɛ wɔsiesie akasakasa no wɔ aguadifoɔ no anim a.
Sɛ wohwɛ a, ɛte sɛ nea dodow no yɛ pɛ. Nanso, mfonini ankasa no da adi bere a yɛyɛ ɛka ho nhwɛso wɔ adwumayɛ dodow ne ahorow ahorow mu.
Mfitiaseɛ Nsɛm: Ɛka ho Nhwehwɛmu a Etu mpɔn a ɛfiri Mewayz Platform
Yɛyɛɛ Mewayz nnwuma 5,200 a wɔdanee fii Stripe anaa Square kɔɔ yɛn sikatua nhyehyɛe a wɔaka abom no so. Ɛdenam wɔn sikasɛm ho nsɛm a wɔde totoo ho ansa na wɔresesa ne nea wɔaboaboa ano (a wɔammɔ din ne nea wɔaboaboa ano) so no, yebuu adwuma a etu mpɔn ho ka, a ɛka softwea biara a ɛto so abiɛsa a na wɔadi kan de adi dwuma de apata ho ka ka ho.
Sɛ nhwɛsoɔ no, adwuma bi a ɛde Stripe di dwuma nso betumi atua QuickBooks Online ($30/ɔsram) ne CRM a wɔatu ho ama ($15/ɔsram). Sɛ wɔkyekyɛ saa ɛka yi mu wɔ wɔn ɔsram biara aguadi dodow nyinaa mu a, ɛka a etu mpɔn a wɔbɔ wɔ asɛm biara ho no kɔ soro kɛse.
| Adwumayɛ Ɔsram Biara Volume | Stripe Effective Cost* | Square Effective Cost* | Mewayz Integrated Cost | Ɔsram biara Sikakorabea a ɛne Nkabom |
|---|---|---|---|---|
| < $10,000 | 3.41% | 3.38% | 3.15% | $26 |
| $10,000 - $50,000 | 3.12% | 3.10% | 2.79% | $165 |
| $50,000 - $100,000 | 2.95% | 2.93% | 2.61% | $340 |
| > $100,000 | 2.87% | 2.85% | 2.52% | $350+ |
*Ɛka a etu mpɔn no bi ne sɛ wɔbɛkyekyɛ softwea a wɔkra no mufoɔ a wɔto so abiɛsa ama akontabuo/CRM.
a wɔde ahyɛ mu "Nnwumakuw a wɔyɛ adwuma wɔ $50,000 kosi $100,000 ɔsram biara no siee dɔla 340 ɔsram biara denam dan a wɔdan kɔɔ platform a wɔaka abom so, ɛnyɛ nea efi bo a ɛba fam nkutoo mu, na mmom denam software nkrataahyɛde ahorow anum a ɛsono emu biara a wɔboaboaa ano yɛɛ no biako so."na ɛkyerɛ sɛ woayɛ
Nneɛma a Wɔde Toto Ho: Ɛboro Adwuma no Ho Ka
Ɛka ho hia, nanso dwumadie na ɛkyerɛ sɛ ebia sikatua ano aduru bi fata wo adwumayɛ kwan no anaa. Table a edi hɔ no de nneɛma atitiriw a ɛka da biara da dwumadi toto ho.
| Adeɛ | Ntrɛwmu | Ahinanan | Mewayz Integrated |
|---|---|---|---|
| CRM a wɔde ahyɛ mu | Dabi (API nkutoo) | Mfitiaseɛ (Square Appointments) | Yiw (module 208) |
| Invoicing a wɔde ahyɛ mu | Mfitiaseɛ | Yiw | Yiw (Akɔ anim) |
| Nneɛma a Wɔakora so Ho Dwumadie | Dabi | Yiw | Yiw |
| Nneɛma a Wɔbɔ ne Nkrasɛm a Wɔsan Tua | Yiw (Ɛkɔ anim) | Yiw (Anohyeto) | Yiw (Ɛkɔ anim) |
| Honam fam Kaad Akenkanfoɔ | Ahokafoɔ a Wɔwɔ Anohyeto | Yiw (Ɛtrɛw) | Ɛnam Stripe Terminal |
| Developer API Nsakraeɛ | Nnwuma Kannifoɔ | Eye | Ɛyɛ ne nyinaa |
| Automatic Bank Reconciliation | Dabi (Ɛhwehwɛ sɛ obi yɛ 3rd Party) | Fa bi | Yiw (Ɔmanfo) |
Nsɛm a Wɔayɛ no Ho Nhwehwɛmu: Mpata ho ka a Ahintaw
Susuw SaaS adwumakuw bi a ɛwɔ Mewayz platform no so a $75,000 wɔ Ɔsram biara Sika a Ɛsan Ba (MRR) mu. Ansa na wɔresakra no, wɔde Stripe dii dwuma de tua sika, Zapier de bataa Stripe ho wɔ wɔn CRM ho, ne QuickBooks de yɛɛ akontaabu.
- Stripe Fees: ~$2,325/ɔsram (2.9% + 30¢ wɔ nnwuma 500 so)
- Nwoma a Wɔyɛ Ntɛmntɛm wɔ Intanɛt so: $55/ɔsram
- Zapier Adwuma a Wɔde Di Dwuma: $25/ɔsram
- Admin Bere a Wɔde Mpata: ~Nnɔnhwerew 4/ɔsram ($160 wɔ $40/hr)
Ɛka a Ɛtu mpɔn Nyinaa: $2,565 + $160 (bere) = $2,725, anaa ɛyɛ adwuma yie dodoɔ a ɛyɛ 3.63%.
Bere a woadan akɔ Mewayz akatua a wɔaka abom no so akyi:
- Mewayz Ka: ~$2,100/ɔsram (2.7% + 30¢)
- Software foforo: $0 (nneɛma no yɛ nea ɛwɔ hɔ ankasa)
- Admin Bere: ~Nnɔnhwerew 0.5/ɔsram ($20)
Ɛka a Ɛtu mpɔn Nyinaa: $2,120, anaasɛ ɛyɛ adwuma yie dodoɔ a ɛyɛ 2.83%.
💡 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 →Ɔsram biara Sikakorabea: $605 (ɛka a ɛfa sikatua ho no so tew 22%).
Ɔkwan: Sɛnea Yɛboaboaa Nsɛm ano na Yɛhwehwɛɛ mu
Data Fibea: Nsɛm a wɔammɔ din, a wɔaboaboa ano a ɛfa nkitahodi ho data a efi Mewayz Business OS platform so, a ɛka nnipa 138,000+ a wɔde di dwuma ho. Nhwehwɛmu no twee adwene sii nnwumakuo 5,200 a wɔtu firii Stripe anaa Square kɔɔ Mewayz wɔ Ɔpɛpɔn 2023 ne Ɔpɛpɔn 2024 ntam.
Ɛka a Wɔbɔ no Ho Nkontaabu a Etu mpɔn: Wɔ adwuma biara mu no, yɛbuu nkitahodi ho ka a etu mpɔn ansa na wɔatu akɔtra baabi foforo ne akyi. Na ɛka a wɔbɔ ansa na wɔatu akɔ baabi foforo no ka sikatua ho dwumadie ho ka nyinaa a wɔaka abom NE ɔsram biara ka a wɔbɔ wɔ softwea biara a wɔde di dwuma ma akontabuo, CRM, anaa automation (e.g., QuickBooks, HubSpot Starter, Zapier), a wɔkyekyɛ wɔ bosome biara ayɔnkofa dodoɔ no nyinaa mu. Ka a wɔbɔ wɔ atutra akyi no de Mewayz dwumadie ho ka a wɔde kaa Mewayz nkrataahyɛ nhyehyɛeɛ no ho ka a wɔakyekyɛ mu no ho.
Anohyeto: Saa nhwehwɛmu yi da osuahu a nnwuma a ɛwɔ Mewayz platform no so adi na ebia ɛnyɛ gua so afã horow nyinaa ananmusifo. Sikakorabea no nya nkɛntɛnso fi softwea nkrataahyɛ dodow a wɔaboaboa ano.
Key Takeaways: Processor bɛn na Ɛfata Wo?
- Ma Pure Online API Power: Sɛ wo adwumayɛ kwan no de ne ho to sikatua a wɔahyɛ da ayɛ ne API a ɛyɛ mmerɛw kɛse so kɛse a, Stripe da so ara yɛ ɔkannifo a wonnye ho akyinnye, ɛmfa ho sɛ ɛka a ɛkɔ soro kakra.
- Ma Brick-and-Mortar & Nnwuma Foforo a Ɛnyɛ Den: Square nhyehyɛe a ɛwɔ baabi a wɔtɔn nneɛma nyinaa ne nea ɛyɛ mmerɛw no ye ma sotɔɔ ahorow a wɔtɔn nneɛma wom, adidibea ahorow, ne nnwuma a wɔafi ase nkyɛe.
- Ma Nnwuma a Ɛrenya Nkɔsoɔ a Wɔhwehwɛ sɛ Wɔyɛ Yie: Sɛ w’adwuma no hwehwɛ CRM, sikatua a ɛkɔ anim, nneɛma a wɔakora so, ne akontabuo pɛ a, atenaeɛ a wɔaka abom te sɛ Mewayz ma wɔkora ɛka ne berɛ so kɛseɛ. Tipping point no taa yɛ bɛyɛ $10,000-$20,000 wɔ sika a wonya ɔsram biara mu.
- Amanaman Ntam Nnwuma: Stripe wɔ wiase nyinaa a ɛtrɛw sen biara, nanso nhyiam ahorow a wɔaka abom no betumi ama amanaman ntam sika a wɔde si akan a wɔde sika pii adwumayɛ ho nhyehyɛe nnwinnade abɔ mu.
- Bɔ Bu Ka a Etu mpɔn Bere Nyinaa: Mpaw processor a egyina rate a wɔabɔ ho dawuru nkutoo so. Fa nnwinnade afoforo a wubehia na ama w’adwuma no akɔ so yiye no ho ka.
a wɔde ahyɛ mu "Gyinaesi no nyɛ Stripe vs. Square nko. Ɛfa paw a wobɛpaw adwinnade a egyina hɔ ma ne adwumayɛ nhyehyɛe a wɔaka abom ho. Wɔ SMB dodow no ara a wɔatew wɔn ho no fam no, mfaso a wonya fi adwumayɛ mu yiyedi fi nkabom mu no boro nsonsonoe ketewaa bi a ɛwɔ ɔha biara mu nkyem a wɔde di dwuma mu koraa."na ɛkyerɛ sɛ woayɛ
Awieeɛ: Mfasoɔ a Wɔaka abom
Atua ho dwumadie nyɛ sika a wɔde tu kɔ baabi foforɔ kɛkɛ bio; ɛfa data ne adwumayɛ nhyehyɛe a ɛbata asɛm biara ho. Bere a Stripe ne Square ye yiye wɔ wɔn dwumadi atitiriw mu no, wɔtaa gyina hɔ ma ahodwiriwde a ɛsõ sen biara a ne bo yɛ den no fã biako.
Yɛn data kyerɛ sɛ nnwuma a wɔgye sikatua akwan a wɔaka abom wɔ adwumayɛ OS te sɛ Mewayz mu no nsɛe sika wɔ nkitahodi ho ka nko na mmom woyi ɛka a ahintaw ne adwumayɛ mu akasakasa a ɛwɔ nhyehyɛe ahorow pii a wɔatwa mu a wɔhwɛ so no nso fi hɔ. Saa kwan a wɔaka abom yi ma nnwumakuo tumi de wɔn adwene si nkɔsoɔ so, na ɛnyɛ mpata.
Twe Amanneɛbɔ a Edi Mu
Nya nkratafa 25 nhwehwɛmu a edi mũ, a nea ɛka ho ne mpaapaemu a ɛfa nnwuma ahorow ho, data a ɛfa sika a wɔsan tua ho, ne ɛka ho akontaabu krataa a wotumi sesa.
Nsɛmmisa a Wɔtaa Bisa (FAQ)
So metumi de me Stripe anaa Square akonta a ɛwɔ hɔ dedaw no adi dwuma wɔ Mewayz?
Yiw. Mewayz de nkabom ne Stripe ne Square nyinaa ma, na ɛma wo kwan ma wotumi de wo akontaabu a ɛwɔ hɔ dedaw no bom. Nanso, sɛ wobɛnya sika a wɔatew so a wɔaka abom ne native reconciliation features no a, ɛsɛ sɛ wɔyɛ dwumadie no denam native Mewayz Payments module no so.
So me sikatua data yɛ ahobanbɔ wɔ platform a wɔaka abom so?
Ɛyɛ saa koraa. Mewayz, te sɛ platform afoforo a agye din no, de sikatua apon a ɛne PCI-DSS Level 1 hyia di dwuma. Wɔmfa wo kaad data a ɛho hia no nsie wɔ Mewayz server ahorow so da; yɛn sikatua ahokafoɔ a wɔyɛ adwuma titire wɔ nnwuma a ahobanbɔ wom mu na wɔdi ho dwuma tẽẽ.
Wɔde sika a wɔde tua a wɔaka abom no sie ntɛmntɛm dɛn?
Ahoɔhare a wɔde sie no di nnwuma gyinapɛn ahorow akyi. Platform dodow no ara a wɔaka abom, a Mewayz ka ho, de sika a wɔde bɛto adwuma da a edi hɔ no ma wɔ nnwuma dodow no ara ho, a akwan horow a wɔfa so siesie sika ntɛmntɛm de tua sika foforo, a ɛte sɛ Stripe ne Square.
Na sɛ mewɔ adetɔn a ɛkɔ soro wɔ ankorankoro mu nso ɛ?
Mewayz ne hardware ano aduru te sɛ Stripe Terminal bom ma ankorankoro kaad dwumadie. Wɔ nnwuma a wɔyɛ birikisi-ne-atɛkyɛ titire no, ebia Square abɔdeɛ a nkwa wom nhyehyɛeɛ a ɛfa hardware ho no da so ara yɛ ɔkwan a ɛnyɛ den koraa, ɛwom sɛ platform a wɔaka abom bɛtumi ahyɛ wo intanɛt ne offline adetɔn data abom.
So apam a ɛkyɛ anaasɛ ɛka a wɔbɔ wɔ bere a wɔde gyae adwuma no ho wɔ hɔ?
Dabi. Mewayz yɛ adwuma wɔ ɔsram biara nkrataahyɛ nhyehyɛe a enni bere tenten apam biara wɔ ne sikatua ho nhyehyɛe ho, te sɛ Stripe ne Square. Wubetumi asiesie wo nhyehyɛe no anaasɛ wobɛtwa mu bere biara.