PayPal vs. Stripe: Ndeipi Inoshandiswa Purogiramu Ndeyepamusoro Yebhizimisi Renyu?

Ndechipi chekubhadhara mari inokodzera bhizinesi renyu, PayPal kana Stripe? Nzira chete yekupindura mubvunzo uyu ndeyekuti uongorore zvakakosha zvakakosha mune zvikamu zvakakosha wozoita sarudzo. Muchikamu chino, tichaisa pfungwa pamitengo yekutengesa nokuti ndiyo inonyanya kuonekwa yekubhadhara kushandiswa kune vashandi vebhizimisi varipo vekutsvaga uyewo avo vari kungotanga bhurocha idzva kana kuvaka imwe e-commerce nzvimbo .

Kutanga, zvakadaro, kukurumidza kukurumidza pamakambani maviri (2) makambani ...

PayPal vs. Strip: Background Information

Apo zvinosvika kumakambani ekubhadhara muIndaneti, PayPal nokukurumidza inowedzera mupfungwa kune vazhinji vedzinesi yebhizimusi, vanhu vari kutanga bhurocha idzva, uye vashandisi vasina kukwana zvakafanana. Yakatangwa muna 1998, San Jose, California-based-PayPal yakashanda mumisika 203 (nyika) uye yakange ine mamiriyoni 152 emabhadhareji akaenzana kubva pakati pegore ra2014, zvichiita kuti ave mutungamiri wemusika wakajeka mubasa rekutengesa. Ndiyo nzira yekubhadhara yakasununguka, sezvo yakabata makumi maviri nematanhatu (26) mari dzomunharaunda.

San Francisco-based Stripe inogona kufungidzirwa sechepamusoro mubhadharo yekubhadhara mari, asi zviri pachena kuti PayPal mukukwikwidza kukuru. Yakagadzwa muna 2010 uye yakabhadharwa nemakwikwi akawanda akakura seSequoia Capital uye vatatu vePayPal vashandi vekutanga (Peter Thiel, Elon Musk, Max R Levchin) chinangwa chavo chakataurwa ndechokuva "nzira yekugadzirisa-inobvuma kubhadhara mari paIndaneti uye mumafaira ekufambisa. "Munguva shoma shoma, Stripe yava dhiyabhorosi yemadhora ekutengeserana kwevaya vanoda kutsvaga nzira dzokubhadhara kunze kwePayPal.

PayPal vs. Stripe: Kutengesa Mari

Makambani maviri aya ane chiyero chebato che 2.9% uye chema 30 masentimiti kuburikidza nekutengeserana, asi kune zvimwe zvishoma zvinyorwa zvokutora. Stripe ichapa chiyero chiri nani kana ukaita kudarika $ 80,000 pamwedzi ($ 1 mamiriyoni emadhora gore negore), asi iwe unofanira kutaurirana navo kuburikidza ne e-mail kuti utange nhaurirano.

Izvo hazvina mari yepamwedzi, hapana mari yekubhadhara, uye hapana imwe mari yakavanzwa (semuenzaniso mari yekugadzirisa, mari yekuchengetedza kadi) iyo inotamba.

Stripe inoshandura mari yako pamazuva maviri ekugadzirisa.

PayPal ine yepamusoro yekutengeserana kwemari inotangira pa $ 3,000 USD mwedzi wega (2.5% pamwe ne 30 cents), uye $ 10 000 pamwedzi (2.2% uye 30 cents) uye pakupedzisira kusvika $ 100,000 mwedzi (isina kutaurwa).

A slam dunk in favor of PayPal, chaiko? Zvakanaka, kwete kusvikira iwe uchibhadhara mari yakasiyana-siyana yebasa. Semuyenzaniso:

  1. Chengeta makadhi kubva kumawebhusayithi: $ 10 pamwedzi (Paypal Advanced); $ 35 pamwedzi (Paypal Pro)
  2. Chargebacks: $ 20
  3. American Express Credit Card: 3.5%
  4. Kudzorera: Mutengo Wakatengesa Mutengo
  5. Makadhi Emunyika Yose: 1% pamusoro pepamusoro yekutengesa kwemazuva ose
  6. Authorize Card: 30 cents kwemvumo isina kubviswa uye kutengesa kwekadhi.

Stripe inobvunza $ 15 chete yezvikwereti zvayo uye ine 2% mari yekushandura mutengo kana zvichidikanwa. Kana zvisina kudaro, mamwe mabasa haabhadhari.

Inonyanya Kubudirira Pane Kubhadhara Here?

Zvose bhizinesi dzakasiyana nedzimwe nhoroondo dzekutengeserana, asi zvichifungidzira kushandiswa kwepamusoro kwe $ 20 USD, mutero wePayPal wakazara unodhura kupfuura Stripe kana iwe ukaita madhora zviuru zvishanu kana kupfuura mamwe mabhizinesi pamwedzi. Izvi zvinotora kushandiswa kwepasi kuduku, uye kukanganisa kweAmerican credit card kushandiswa kubva kune vatengi.

Zvisinei, kana bhizinesi yako iri kutarisana nenyika uye inoda PayPal Pro, pane mukana wakaisvonaka wekuti mari inoonekwa kushandisa PayPal ichave isina hanya. Zvimwe zvinhu zvichafanirwa kuongororwa.

Sezvatinoderedza kushandiswa kwemagetsi, PayPal's microtransaction pricing mitemo inokanda chaizvo. PayPal's micropayment rate ye 0.5% + 5 ยข pamutsara inopa zvakakosha iyezvino (chinyorwa: Stripe haina purogiramu duku sezvakangoita.) Iva nechokwadi chokuti iwe tora kana iwe ukanyorera PayPal.

Mhedziso

PayPal inopa tarisiro yekodhi inozivikanwa neyaupayona mubhadharo reInternet. Kubva pamitengo yekutengeserana chete, muzvinabhizimisi muduku pamwe chete neUnited States uye North North customer customer angachengetedza mari shoma naPayPal. Sezvo bhizinesi richikura, mari yakawanda yekushandisa Stripe ichaita kuti ive yakakosha.

Zvechokwadi, mutero wekutengesa ndeimwe yezvinhu zvekufungisisa paunenge uchitora shanduro yekubhadhara paIndaneti, sekusununguka kwekushandisa, kushandiswa kwemashoko, kukwanisa kubvuma Apple Pay pane webhusaiti yako , nezvimwe. Kira pano kuti uverenge chikamu chechipiri chePaiPal iyi kurwisana neStripe review pano .