PayPal vs. Stripe: Yiyiphi ipropati yokuhlawula iLungcono kwiShishini lakho?

Yiyiphi inkqubo yokuhlawula ifanelekileyo shishini lakho, PayPal okanye Stripe? Indlela kuphela yokuphendula lo mbuzo kukuhlalutya ukufaneleka kwazo kwiindidi ezibalulekileyo kwaye wenze isigqibo. Kule nqaku, siza kugxininisa kwimirhumo yokuthengisa ngoba iyona nto ibonakalayo kwinkqubo yokuhlawula intlawulo kubanini bezoshishino zangoku kunye nabo baqala iblogi entsha okanye bakha indawo ye-e-yorhwebo .

Okokuqala, okokuqala, i-primer esheshayo kwiinkampani ezimbini (2) ...

PayPal vs. Strip: Ulwazi olusemva

Xa kuziwa kwiinkampani zentlawulo ye-Intanethi, ngokukhawuleza i-PayPal igxila kwingqondo kubanini banini-shishini be-intanethi, abantu abaqala iblogi entsha, kunye nabathengi abaqhelekileyo ngokufanayo. Eyasungulwa ngo-1998, iSan Jose, i-PayPal yaseCalifornia eyayisekelwe eCalifornia isebenza kwiimarike ezingama-203 (amazwe) kwaye yayinee-akhawunti ezibhalisiweyo ezili-152 eziphakathi kwe-2014, eyenza ibe ngumholi weemarike ocacileyo kwintengo yomthengi. Inkqubo yokuhlawula iimeko eziguquguqukayo, enikezelwa ukuba ithatha iipesenti ezingama-26 (26) zeengingqi.

I-Stripe eseSan Francisco esekelwe kwi-Stripe ingaqwalaselwa njengendawo yokupakisha kwintsimi yokuhlawula imali, kodwa ngokuqinisekileyo umncintiswano omkhulu we-PayPal. Eyasungulwa ngo-2010 kwaye ixhaswa ngemali eninzi enzima njenge-Sequoia Capital kunye nabaxhamli be-PayPal abathathu (u-Peter Thiel, uElon Musk, uMax R Levchin) injongo yalo ichazwe ukuba "yindlela yokuphucula indlela yokwamkela iintlawulo kwi-Intanethi nakwiifowuni zokusebenza. "Ngexesha elincinci, iStripe iye yaba yintengiso yee-dollar yezigidigidi zabantu abafuna iindlela zokuhlawula ngaphandle kwe-PayPal.

PayPal vs. Stripe: Imali yokuThengiswa

Zombini iinkampani zinomlinganiselo wesiseko se-2.9% kunye neentente ezingama-30 ngokuthengiselana, kodwa kukho ezinye iinkcukacha ezimbalwa ukuba ziphawule. I-Stripe iya kunika izinga elingcono xa ukwenza ngaphezulu kwama-80,000 wamawaka ngenyanga (i-$ 1 yezigidi zedola ngonyaka), kodwa uya kufuneka udibanise nabo nge-imeyile ukuqalisa intetho.

Akukho mali yenyanga, ayikho iindleko zokubuyiselwa kwembuyekezo, kwaye akukho mrhumo efihliweyo (umzekelo, iimali zokumisela, iimali zokugcina ikhadi) eziza kudlala.

I-Stripe idlulisela imali yakho kwi-roll-day day basis.

I-PayPal inezinga eligqityiweyo lokuthengiswa kwexabiso eliqala kwi-$ 3,000 yeenyanga ngenyanga (2.5% kunye neentente ezingama-30), emva kwe-$ 10,000 ngenyanga (2.2% kunye neentente ezingama-30) kwaye ekugqibeleni ibe yi-$ 100,000 ngenyanga (engachazwanga).

I-slam dunk ngokubhekiselele kwi-PayPal, kunene? Ewe, kungekudala uze ube neyona ntlawulo kwiintlawulo zeenkonzo ezahlukeneyo. Umzekelo:

1. Ukuhlawula amakhadi kwiiwebhusayithi: $ 10 ngenyanga (Paypal Advanced); $ 35 ngenyanga (PayPal Pro)
2. Iintlawulo: $ 20
3. I-American Express Credit Card: 3.5%
4. Ukubuyiselwa kwemali: I-Standard Transaction Fee
5. Amakhadi aMazwe ngamazwe: 1% ngaphezulu nangaphezulu kwezinga lokuthengiswa rhoqo
6. Ugunyazisile iKhadi: iisenti ezingama-30 zokugunyazwa ezingagqitywanga kunye nokuthengiswa kwekhadi lokuqinisekisa.

I-Stripe icela kuphela i-$ 15 ngenxa yokuhlawulwa kwayo kwaye ine-2% yentlawulo yokuguqulwa kwemali xa kuyimfuneko. Ngaphandle koko, ezinye iinkonzo azihlawuli-mali.

Ngaba Ulungelelwano olungcono kunePaypal?

Zonke iirhwebo zineenkcukacha ezikhethekileyo zokuthengiselana, kodwa zithatha ukuthengwa kwemali engama-20 USD, ukuthengiselana kwe-PayPal ephantsi kuya kuba kubi ngaphezu kwe-Stripe xa unama-dollar amahlanu okanye ngaphezulu kwenyanga. Oku kuthatha ukuthengiselana kwamanye amazwe, kunye nokusetyenziswa kwekhadi lokuthenga ngetyala le-American Express kumakhasimende.

Nangona kunjalo, ukuba ishishini lakho lijoliswe kumhlaba kwaye lifuna i-PayPal Pro, kunethuba elihle lokuba ukugcinwa okubonakalayo usebenzisa i-PayPal kuya kuba yintlonelo. Ezinye izinto kuya kufuneka ziqwalaselwe.

Njengoko sinciphisa umyinge we-transaction, iiprotransaction ze- microtransaction zentengo yemigaqo-nkqubo i- kickPal iyaphula ngokukhawuleza. I-PayPal ye- micropayment rate ye-0.5% + 5 ¢ ngokuthengiselana inika inzuzo ngoku ngoku. (Phawula: I-Stripe ayinayo umgaqo-nkqubo omncinci njengangoku.) Qinisekisa ukuba fumana xa ubhalisela i-PayPal.

Isiphelo

I-PayPal inikezela ngamathuba okubonakalisa i-brand eyaziwayo kunye nembali yobuvulindlela kwiintlawulo ze-Intanethi. Ngokusekelwe kwimirhumo yokuthengiselana yedwa, umnini-shishini omncinci one-US kunye neNorth American basebenzi basenokungasindisa imali encinci nge-PayPal. Njengoko ishishini likhula, iindleko ezipheleleyo zokusebenzisa iStripe ziyakwenza ibe yinto ekhangayo ngakumbi.

Ewe, iimali zokuthengiselana ziyodwa yezinto ekufuneka uziqwalasele xa ukhetha isisombululo sokuhlawula i-intanethi, njengokulula ukusebenzisa, ukusetyenziswa kwedatha, ukukwazi ukuwamkela i-Apple Pay kwiwebhusayithi yakho , njl. Cofa apha ukuze ufunde inxalenye yesibini yale PayPal ngokuvisisana nokuhlolwa kweStripe apha .