#Cash App is one of the best online transaction and mobile banking system no doubt. But without any confusion
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Best Site To Buy Verified Cash App Accounts (ps) Lusi and more
Looking to Buy Verified Cash App Accounts! Get 100% verified accounts with BTC enabled for secure and hassle-free transactions.
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24 Hours Reply/Contact Email: – [email protected] WhatsApp: +1 (765) 422-5303 Skype: – wisbizs Telegram: – @wisbizs
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Cash App is one of the best online transaction and mobile banking system no doubt. But without any confusion, old cash app account is better than new one. Old and New Accounts Are fully documents verified. If you want to Buy Verified Cash App Accounts at cheap price from wisbizs.com, place your order fast now .
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Buy Verified Cash App Account - 100% Safe & BTC…in 2024
Looking to Buy Verified Cash App Accounts! Get 100% verified accounts with BTC enabled for secure and hassle-free transactions.
If you get more information
24 Hours Reply/Contact Email: – [email protected] WhatsApp: +1 (765) 422-5303 Skype: – wisbizs Telegram: – @wisbizs
We Provide all kinds of accounts of all countries similar as USA, UK, Germany, and so on, at cheap rate. If you want to buy any accounts then visit our website.
Buy Cash App Accounts
Cash App is one of the best online transaction and mobile banking system no doubt. But without any confusion, old cash app account is better than new one. Old and New Accounts Are fully documents verified. If you want to Buy Verified Cash App Accounts at cheap price from wisbizs.com, place your order fast now .
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How iPay helps Customers and Merchants with Streamlining their Payments Needs
Digital payments have been booming in Australia, and many customers are moving from cash to cashless. With the evolution of mobile payment apps and e-wallets, customers can quickly pay for anything from their smartphone.
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If you have concerns or queries, you can reach us at [email protected] .
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HOW MUCH DOES IT COST TO DEVELOP AN APP LIKE Smart Salik?
Highways across the globe have different methods of collecting tolls for their usage. Manual collection, automatic cash collection and electronic collection are widely used ones. Among these, electronic toll collection is the most advanced method. Especially during the outbreak of coronavirus pandemic, this carries much importance as it involves a contactless process. The government of Dubai, UAE was one of the foremost in the world to introduce an electronic road toll system in 2007 called ‘Salik’.
What is Salik?
Dubai's Road and Transport Authority (RTA) built Salik as a free-flowing system. It was aimed to avoid stopping vehicles at any point on the Dubai highway and do a manual payment. Because of Salik, there is no toll booth waiting times, barriers and one can just drive through a toll gate without stopping.
Salik promotes automatic transactions with the use of a Salik tag. Your vehicle is detected and the tag is scanned by the Radio Frequency Identification (RFID) technology. Dh4 is deducted from the prepaid Salik account every time the vehicle passes via toll point. Regardless of the vehicle driver, the money is deducted from the Salik holder account at all the trips.
Salik must be obtained online via www.salik.gov.ae and it will be sent to the buyer’s address. It can also be bought from petrol bunks, Emirates NBD bank or Dubai Islamic bank. According to the RTA, a person is only exempted from toll fees if the vehicle is registered as a military or police vehicle or is an ambulance, school, college, or RTA public bus.
Smart Salik App:
RTA has launched a Smartphone application (Smart SALIK) that lets its users manage their SALIK account and accomplish top-ups, check balance, look at the trips, etc. This app was launched by H.H. Sheikh Mohammed Bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai for their plans of Smart City.
Smart Salik app is a mobile app to aid users to pay and manage their Salik account on their smartphones. Smart Salik app makes operations with the Salik account smoother and more convenient. It is a very useful app that records every move and payment operations. The user needs to have a Salik account online, recharge the account using Salik recharge, or a card voucher.
Many advanced features are added to the app that aids the users. Along with the presence of existing features such as checking the balance, recharging the account user can add or remove the vehicles, verify their trips and violations, update or edit the profile and also access general Salik information.
Below are the services provided by the smart Salik app to the users:
Creation of new Salik User that lets the customer manage their Salik account. They could easily create their profile for getting easy access and get all the updates and news about Salik.
• Balance Top Up - recharging a SALIK account employing a Salik recharge card or e-voucher.
• Look for all the violations incurred and fines paid. Users can also lookout or create a violation dispute.
Get push notifications from Salik related to the app u[dates or any latest news regarding the features.
• Look for all the locations of Salik toll gates and customer service stations.
• Call and speak to the Salik for any doubts.
• Answer to all doubts via FAQs, updates, and other announcements.
• Access Salik information such as FAQs, News, and Announcements
Along with all these features, a user can set up online Salik, that lets them access additional services like:
• Recharging a SALIK account via recharge card, e-voucher, or e-Pay.
• Check the violations and unpaid trips.
• Check the trips via SALIK toll gates.
• A complete summary of the particular SALIK account.
• Check out all the vehicles/tags registered with their SALIK account.
• Update their Salik account with a new vehicle/tag.
• Update a registered phone number or add a phone number to their Salik account.
• Lookout and download Salik account reports with details of all trips taken and top-ups done.
Along with all these features, Salik aids with helpful links and guidance on all the app screens. The experience would be similar to the one found on the Salik website.
SYSTEM SPECIFICATIONS FOR SOFTWARE IMPLEMENTATION
Android studio and Java are employed for App creation.
The front end of the app is programmed by PHP, XML, and Ajax.
Java is used for logical aspects and in the back-end.
For iOS apps, Swift and XCode are used.
Cost of developing an app like Smart Salik in Dubai:
Many regions across the globe have developed the ETC system and the relative Smart Salik type app. Therefore, if you are planning to develop a smart Salik type app in your region it is of utmost importance to associate with a reliable app development company.
The overall cost may be dependent on the scope of the final product and more importantly on the number and complexity of the features included in the app. Along with these factors, the system size (i.e. number of lanes and toll points), the type of platform on which app will be built, customizable software required, location of the development company will all affect the final cost of the app.
The most complex and advanced features will indeed enhance the quality of the app but they will also have a direct impact on the final product. But is very important to hire an experienced mobile app development company that is well-versed with all the key elements of technology and industry who guide you towards the right path of success.
Bottom line: Smart Salik mobile app rated among the top 10 best mobile apps in UAE for many years. If you have a solid idea to build a Smart Salik like app in Dubai then you must associate with one of the reliable and experienced mobile app development companies in Dubai, like Brill Mindz.
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The Best Credit Card Processing Companies (In-Depth Review)
Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.
There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.
So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties.
Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.
Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.
The Top 10 Credit Card Processing Companies
Square
PayPal
FIS
Stripe
Payline Data
Fiserv
BitPay
Adyen
Dharma Merchant Services
Fattmerchant
How to Choose the Best Credit Card Processing Company for You
Here are some key elements to consider when choosing the right credit card processing company for you:
1. Fees
Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.
Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.
2. Accepted Payment Methods
Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular.
3. Customer Experience
When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined.
In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.
It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.
4. User Experience
Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.
Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.
Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.
The Different Types of Credit Card Processing Company
There are two main types of credit card processing company. Here’s the 411:
Credit Card Processor
A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.
Full-Service Credit Card Processor & Merchant Account
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.
Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.
#1 – Square — The Best for Ease of Use
Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.
Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:
Bonus: you can get the software and Square Reader for free.
The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.
Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.
Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.
#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers
You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.
With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:
If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.
The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.
Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.
#3 – FIS — The Best for Small Businesses
FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.
However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services:
And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.
FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.
FIS is the choice for you if you own a small business and want a customizable solution.
#4 – Stripe — The Best for Internet Businesses
Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.
What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:
There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees.
Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.
If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.
#5 – Payline Data — The Best for High-Risk Merchants
Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes.
It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.
Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:
However, you can work out exactly what your monthly costs will be using their payment calculator tool.
Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.
As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.
#6 – Fiserv — The Best for High-Volume Retailers
This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.
What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.
Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally.
Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.
Fiserv is the right choice for more experienced, high-volume and global retailers.
#7 – BitPay — The Best for Accepting Crypto
Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.
Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store.
The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:
Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees.
So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.
#8 – Adyen — The Best for Growing Enterprises
Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level.
You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:
Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.
Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.
Overall, if you’re focused on growth, Adyen is the perfect partner.
#9 – Dharma Merchant Services — The Best for Quick Service Payments
Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.
The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:
Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.
With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.
Choose Dharma if you own a quick service business and need support along the way.
#10 – Fattmerchant — The Best for Professional Services
Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.
The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.
The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:
Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.
Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.
Summing Up
Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.
Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.
Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.
Now it’s over to you to explore these top providers further and make the right choice.
The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.
The Best Credit Card Processing Companies (In-Depth Review) Publicado primeiro em https://neilpatel.com
0 notes
Text
The Best Credit Card Processing Companies (In-Depth Review)
Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.
There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.
So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties.
Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.
Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.
The Top 10 Credit Card Processing Companies
Square
PayPal
FIS
Stripe
Payline Data
Fiserv
BitPay
Adyen
Dharma Merchant Services
Fattmerchant
How to Choose the Best Credit Card Processing Company for You
Here are some key elements to consider when choosing the right credit card processing company for you:
1. Fees
Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.
Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.
2. Accepted Payment Methods
Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular.
3. Customer Experience
When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined.
In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.
It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.
4. User Experience
Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.
Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.
Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.
The Different Types of Credit Card Processing Company
There are two main types of credit card processing company. Here’s the 411:
Credit Card Processor
A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.
Full-Service Credit Card Processor & Merchant Account
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.
Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.
#1 – Square — The Best for Ease of Use
Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.
Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:
Bonus: you can get the software and Square Reader for free.
The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.
Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.
Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.
#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers
You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.
With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:
If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.
The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.
Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.
#3 – FIS — The Best for Small Businesses
FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.
However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services:
And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.
FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.
FIS is the choice for you if you own a small business and want a customizable solution.
#4 – Stripe — The Best for Internet Businesses
Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.
What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:
There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees.
Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.
If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.
#5 – Payline Data — The Best for High-Risk Merchants
Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes.
It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.
Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:
However, you can work out exactly what your monthly costs will be using their payment calculator tool.
Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.
As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.
#6 – Fiserv — The Best for High-Volume Retailers
This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.
What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.
Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally.
Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.
Fiserv is the right choice for more experienced, high-volume and global retailers.
#7 – BitPay — The Best for Accepting Crypto
Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.
Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store.
The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:
Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees.
So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.
#8 – Adyen — The Best for Growing Enterprises
Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level.
You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:
Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.
Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.
Overall, if you’re focused on growth, Adyen is the perfect partner.
#9 – Dharma Merchant Services — The Best for Quick Service Payments
Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.
The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:
Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.
With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.
Choose Dharma if you own a quick service business and need support along the way.
#10 – Fattmerchant — The Best for Professional Services
Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.
The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.
The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:
Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.
Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.
Summing Up
Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.
Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.
Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.
Now it’s over to you to explore these top providers further and make the right choice.
The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.
Original content source: https://neilpatel.com/blog/best-credit-card-processing/ via https://neilpatel.com
See the original post, The Best Credit Card Processing Companies (In-Depth Review) that is shared from https://imtrainingparadise.weebly.com/home/the-best-credit-card-processing-companies-in-depth-review via https://imtrainingparadise.weebly.com/home
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The Best Credit Card Processing Companies (In-Depth Review)
Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.
There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.
So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties.
Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.
Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.
The Top 10 Credit Card Processing Companies
Square
PayPal
FIS
Stripe
Payline Data
Fiserv
BitPay
Adyen
Dharma Merchant Services
Fattmerchant
How to Choose the Best Credit Card Processing Company for You
Here are some key elements to consider when choosing the right credit card processing company for you:
1. Fees
Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.
Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.
2. Accepted Payment Methods
Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular.
3. Customer Experience
When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined.
In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.
It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.
4. User Experience
Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.
Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.
Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.
The Different Types of Credit Card Processing Company
There are two main types of credit card processing company. Here’s the 411:
Credit Card Processor
A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.
Full-Service Credit Card Processor & Merchant Account
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.
Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.
#1 – Square — The Best for Ease of Use
Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.
Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:
Bonus: you can get the software and Square Reader for free.
The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.
Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.
Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.
#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers
You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.
With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:
If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.
The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.
Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.
#3 – FIS — The Best for Small Businesses
FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.
However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services:
And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.
FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.
FIS is the choice for you if you own a small business and want a customizable solution.
#4 – Stripe — The Best for Internet Businesses
Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.
What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:
There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees.
Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.
If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.
#5 – Payline Data — The Best for High-Risk Merchants
Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes.
It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.
Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:
However, you can work out exactly what your monthly costs will be using their payment calculator tool.
Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.
As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.
#6 – Fiserv — The Best for High-Volume Retailers
This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.
What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.
Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally.
Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.
Fiserv is the right choice for more experienced, high-volume and global retailers.
#7 – BitPay — The Best for Accepting Crypto
Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.
Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store.
The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:
Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees.
So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.
#8 – Adyen — The Best for Growing Enterprises
Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level.
You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:
Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.
Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.
Overall, if you’re focused on growth, Adyen is the perfect partner.
#9 – Dharma Merchant Services — The Best for Quick Service Payments
Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.
The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:
Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.
With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.
Choose Dharma if you own a quick service business and need support along the way.
#10 – Fattmerchant — The Best for Professional Services
Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.
The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.
The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:
Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.
Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.
Summing Up
Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.
Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.
Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.
Now it’s over to you to explore these top providers further and make the right choice.
The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.
Original content source: https://neilpatel.com/blog/best-credit-card-processing/ via https://neilpatel.com
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Today we are living in the world of modernization, the world of technology, where we can’t anything imagine anything without technology. Everyone is familiar with online payments and UPI services, here we are with Top 4 Best UPI apps. Since our Banking Systems are digitalized everything seems so easy and reliable, you can transfer money to anyone in seconds without going to the bank and waiting in a long queue. With mobile banking money transfer become so easy and fast. Everything is happening so fast, immense changes are happening just in an eye blink and so our banking systems are digitalized too.
We all are dependent too much on online banking systems because they provide us an amazingly simple, easy to use, user-friendly UI. We all want comfort, and I don’t think there is anything more comfortable, convenient, and easy than mobile banking. All of us use the various net-banking techniques, we choose various methods to transfer money, but UPI is best among all. Most of the people use a single UPI app or two-three, but they don’t know which service best and which UPI app is more reliable and secure. So, here we are with the top 4 best UPI apps that can be used for safe and quick money transfer.
Top 4 Best UPI Apps in 2020
In this article, we will discuss everything about the top 4 best UPI apps in 2020. Before discussing the best UPI apps, let us understand UPI service clearly, we should what is UPI service and its feature.
What is UPI?
UPI (Unified Payments Interface) is an instant money transferring platform developed by NPCI (National Corporations of India). It is a mobile application, used for instant real-time fund transferring between two banks. The money will be directly debited from the sender’s account and instantly credited to the recipient’s account. You can transfer money immediately by using VPA (Virtual payment address) associated with your UPI ID and linked to your bank account. The complete process is automatized, fast, reliable, and most importantly safe.
Features of UPI apps
UPI apps have some general features and we should know about them, some of them are
Digital Wallet: Digital Wallet is a UPI service that provides convenience to add money into your wallet through which you can finish online transactions.
Ease in Money transferring: UPI services provide us ease in transferring money in seconds. You can send and receive money to and from bank accounts, respectively.
Bill Splitting: With the new UPI service, you can split the money equally without any hassle of counting and billing. let suppose you went for dinner with your friends, so you can easily split the money and pay your piece without being dissatisfied.
Instant Real-Time Based service: For UPI it doesn’t matter whether it is day or night you can transfer money on a real-time basis, anytime anywhere.
Bill Payment and Mobile Recharge: You can complete your Mobile recharges and pay bills (e.g. Electricity bill, Water bill, subscription to any premium service, etc) in a few seconds.
Single app for Multiple Banks: A single UPI app can be used for multiple banks, i.e. if you have multiple bank accounts so you can add all accounts into a single UPI app, don’t worry about installing and using different apps for different bank accounts.
Easy to use and a clean user interface.
Free: Till now all the UPI services are free throughout the country (India). You don’t have to pay for using UPI service, and your bank can’t deduct money for this.
Prerequisite to Apps
Before using UPI apps, you should have basic prerequisite knowledge, some points are discussed below
The first and basic requirement is that you should have a bank account, and the bank should be in the NPCI supported bank list.
A mobile number associated with your bank account.
The bank account should be active for the net banking facility and it should have a debit card too.
The phone number which is associated with the bank account its SIM card should be present on the phone and the SIM card should be activated.
The provided phone number should have sufficient balance to send and receive the message.
Most important a decent smartphone with a stable internet connection.
List of Top 4 Best UPI Apps
So, coming to the main topic and telling you about top 4 best UPI apps in 2020, let’s have a look in the following list
[Note: All these applications are not listed priority wise, each application is best at their own pace, and all are equal from my point of view, these four UPI apps are best among other UPI services and we are directly or indirectly affiliated to any one of them]
PhonePe
PhonePe is another largest payment app used throughout the country. Initially, it was designed and developed for Bangalore based UPI service and later Flipkart integrated with Phone Pe and make it India’s first payment service to be integrated with an e-commerce site. No doubt on the reliability and safety of PhonePe as it holds 54% of total market share. PhonePe is powered by Yes bank and all the responsibility is of Yes bank for carrying UPI service throughout the country with Phone Pe.
Features:
Make instant payments from sending money to recharges and bills.
One app with all services.
It offers multiple Payment modes like BHIM UPI enabled bank account, PhonePe wallet, Debit card, credit card, etc.
Earn great reward, get amazing cashback after paying with PhonePe.
Available in 10+ Indian languages, so you can use the app in your language.
Download it from Here
PhonePe – UPI Payments, Recharges & Money Transfer (Free, Google Play) →
PhonePe – India’s Payments App (Free, App Store) →
BHIM
BHIM (Bharat Interface for Money), this app is government-based UPI application, developed and maintained by NPCI. It is the most preferable app among the top 4 best UPI apps It sports a very interactive user interface, that’s the reason people are attracted to it. BHIM being one of the most secure and reliable UPI applications for money transferring, as it is a government-owned application another big reason to trust it.
Features:
Transfer money with a single click.
It comprises of a clear and interactive interface with minimum and useful icons in the background.
It is linked with various banking services including BHIM SBI pay, BHIM Axis pay, etc.
You can Split bills, set reminders for the important payments at free of cost.
As it is a government-owned application, it is much more secure and reliable than any other payment service.
Download it from Here
BHIM – MAKING INDIA CASHLESS (Free, Google Play) →
BHIM – Making India Cashless (Free, App Store) →
Google Pay
Google Pay the most secure online payment service developed by tech giant Google, Inc. and formerly it is known as Tez. It is the best, easy to use, and highly secured payment application. You can make quick transactions within few clicks, the app also provides fascinating deals and offers, to earn cashback. You can earn some reward after referring it to friends and family. You can make each kind of a transaction with the help of Google Pay, or GPay, or Tez. Initially, it was integrated only with four banks but after coming into the UPI service list, all the banks available at BHIM UPI are integrated with GPay.
Features:
India’s most secure UPI application, each time you enter the application it will ask for a PIN, and it will also ask for security PIN before making any transaction.
Available in multiple Indian languages.
It is not any wallet; all the transactions are done directly through the bank.
Numerous rewards are available on making different transactions or referring the app to other people.
Support for in-app payments and have various partnered merchants.
Download it from Here
Google Pay: Pay with your phone and send cash (To be announced, Google Play) →
Google Pay (Free, App Store) →
Paytm Mobile
Paytm is India’s leading payment gateway that provides payment service throughout the country. We can say Paytm is the first mobile application that launched the concept of online payments in India. But now, it is integrated with several other services too, however, still, it is the most premium and largest using online payment method in India. Its effective and useful features drive its audience craze toward it.
Features:
One of the Best UPI apps that offers cashback on making transactions using it.
It is the first and trustworthy application, people will prefer using Paytm over any other UPI service.
You can easily request a physical Paytm card from the Paytm Payments Bank.
Easy to use UI, transactions can be made in seconds with simple steps.
You can invest in mutual funds or you can convert your money into gold.
Download it from Here
Paytm – BHIM UPI, Money Transfer & Mobile Recharge (Free+, Google Play) →
Paytm- Payments & Bank Account (Free, App Store) →
Wrapping Up
As we have tried to choose the best among all and here, we have discussed the top 4 best UPI apps for android and iOS. All these listed applications are exceptionally reliable and highly secure. However, every application has its own advantages and disadvantages, we cannot fully depend on anything. But trust me if you will make any transactions using any one of the above-mentioned apps, you will always be satisfied with their service and with their super simple and interactive user interface.
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The post Top 4 Best UPI Apps for Reliable Money Transfer appeared first on TechLatest.
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Why Bitcoin merchant account is considered high-risk gateway?
Bitcoin Merchant account, you're one of those people who are very interested in having a merchant account Bitcoin? If you are well, you are on the right page. I am very curious as you are with Bitcoin and its merchant account so I came up with this article that will help you understand and beginners there everything they need to know about merchant account to Bitcoin and why it is considered at high risk.
Let us first define what is Bitcoin.
So Bitcoin is a new currency created last 2009 by a person or institution using an alias Satoshi Nakamoto. As Bitcoin started making noise in the online world, the identity of Satoshi since then remained a secret.
Satoshi is brilliant, although it can happen to a payment system like everyone else; Satoshi saw existing problems with current payment systems and wanted to solve these problems. When Satoshi came up with the idea of Bitcoin, one of its main roles is decentralization.
To explain, decentralization simply means everyone is part of the ecosystem that contributes to it in their own way. Unlike physical currency, Bitcoin does not rely on the government, a bank or an intermediary such as Bitcoin belongs to everyone in a so-called system of "peer to peer".
Why Bitcoin?
Without banks, the government or an intermediary to connect with, Bitcoin is widely used by many in booking hotels, furniture store and buy different things online. In addition to this, international payment transactions are easier and much cheaper because Bitcoin related to any country or is subject to regulation.
This is great news for a merchant like you and for those who plan to open their own business. Anyone in the world can now configure their own business and accept Bitcoin payments in minutes. In addition, existing business owners are now able to offer Bitcoin as another option for payment and has no perfect credit card fees for small businesses.
Ways to buy Bitcoin
When you open a merchant account Bitcoin, you should probably know that they are several ways on how you can purchase Bitcoin such as:
Exchange of Purchase Bitcoin exchanges are markets that allow people to buy and sell Bitcoin using almost all kinds of currencies.
transfers This is one of the most common ways to buy Bitcoin. Similar to send digital money, people are now able to send Bitcoin to another by simply using mobile apps or their personal computers.
Bitcoin Mining In mining or just mine, people use computers to solve complex mathematical puzzles. Here's how the Bitcoin currency is created. At present, a winner is rewarded with 12.5 Bitcoins every 10-12 minutes.
The Bitcoin wallet
If you already have a merchant account Bitcoin, do not be surprised if you can not physically hold the Bitcoin Bitcoin currency exchange will be stored in a digital wallet commonly called Bitcoin wallet. Unlike the one you have in your bag, wallet Bitcoin is a kind of virtual bank account that allows users to receive and send Bitcoin or pay for things or save money.
Bitcoin as a merchant account
Bitcoin commonly used for all purchasing goods and paid services would have a merchant account Bitcoin. According to research, it is estimated that more than 80,000 and more companies now accept Bitcoin in the United States alone. Other new merchandise that right holders Bitcoin Merchant Services with fewer transaction fees charged by the major credit card companies.Bitcoin be regarded as high-risk gateway
Have a Bitcoin Merchant account is essential to increase your business sales process. What you need to do is to incorporate Bitcoin in your business so your customers can find your methods of payment and convenient for you to receive online payments much easier. But before you get too excited about Bitcoin use you should know that it is considered a gateway to high risk merchant.
You have to prepare because the search for a processor to open a merchant account to Bitcoin will be really difficult. Private transformers and well known banks certainly decline the application. As Bitcoin Merchant Account falls to the high risk category, the bank will take over additional risk.
They are many reasons why merchant account Bitcoin or other businesses is seen as a high risk in the financial sector. But, of course acquiring banks and payment providers has their own views on what they see as high risk. Provided here is a directive-type use in assessing the degree of risk a company is both bank and supplier.
Poor chargeback history: this place to take when an issuing bank return funds to the cardholder on a complaint basis.
frequent returns: If a company often gives refunds, payment providers assume that the merchant is doing something wrong place the company on the high-risk category.
general reputation in the industry: If the company is known in the industry to have a high rate of dissatisfaction targeted by fraudsters and many fraudulent transactions.
Delivery Time Frame: If the company provides products and services to consumers in a very long time, something is supposed to be wrong making the company a high risk.
Business Credit Score: If the company has too low credit score, you will be given a high risk status for the reason that it will be harder for the company to repay.
automated billing: If the company uses automated billing, there is a huge potential that consumers refuse the load forget they signed up for the company.
Volume of transactions: If the company is currently processing a lot of transactions in a short period of time, the financial risk is larger and greatly thieves try to take the details to hack the system.
These are just a few reasons why a company is considered a high risk, it is important that you are able to find a supplier who is willing to work with you and your company. iPayTotal is a forefront of merchant account provider for Bitcoin and high risk merchant credit card processing. The iPayTotal team of experts will work closely with you to find the best possible solution for your business needs. Contact iPayTotal.com today and we will evaluate with pleasure your business and also help secure long-term Bitcoin merchant account.
Learning the value of Bitcoin
It is no secret that Bitcoin is a high risk investment, but it is worth it. Just keep that in mind when you have your private key, no one can access your money and Bitcoin is the only non confiscatable asset you can have in this world.
The people of Cyprus have learned the value of Bitcoin and the best merchant account for Bitcoin last 2013 when all their savings from over 100,000 were confiscated.
People in the UK have learned the value of Bitcoin account high-risk merchant UK when the vote Brexit happened and sterling fell in value.
In India, its people identified in 2016 the value of Bitcoin where their government has banned all of a sudden every 500 to 1000 rupee which is 86% of the countries in cash flow. Believe it or not all countries are forced to take a queue to banks for several days to exchange the old new tickets. The sad thing is not enough money is printed at the event due to the people who die in the process.
If you are still doubtful to have Bitcoin and opening a merchant account to Bitcoin, let me share this with you. 99% of the current population of the world does not yet have Bitcoin. But, I think that will change, because every day something happens unexpectedly in their country, the results also people who are looking into it. This is also the main reason why the price of Bitcoin does not have a ceiling.
The number of people buying Bitcoin increase and when you ask them why, most of them will say they are a bit worried about the future and they are no longer trusts the banks more.
Conclusion
Overall, traders should consider the benefits of high-risk merchant account before deciding to throw in the towel or lose their business. Working with a high-risk specialist at payment processor can help merchants like you to streamline the flow of payments and your company's position for long-term success.
Here's a tip for you: Make sure you read your contract with force because they are still in many high risk payment providers around the world dishonorable planning to abuse your company. Always check for hidden fees and termination conditions and so keep in mind that many merchant account providers want high risk reserve rolling higher.
Secure your money and your future, get a merchant account Bitcoin today! What are you waiting for? Contact iPayTotal today and open your merchant account Bitcoin, do not worry if it is classified as high risk because you will work with a merchant account provider specializing in high-risk.
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House Impeachment Vote Is Unlikely to Sway Markets
Breaking: IAC and the online dating company Match Group have agreed to separate in a tax-free transaction. (Want this by email? Sign up here.)
Investors shrug off Trump impeachment
Voting nearly along party lines, the House approved two articles of impeachment against President Trump, making him the third president in history to face removal by the Senate. But the stock market has been largely unfazed by the news of impeachment proceedings, and that is unlikely to change, reports MarketWatch. Investors are shrugging at the news because they don’t expect the Republican-controlled Senate to remove the president from office. Market participants have grown more comfortable with the expectation that Mr. Trump would be impeached but not convicted, according to an investor survey conducted by RBC Capital Markets.
Obamacare insurance mandate is struck down
A federal appeals court yesterday struck down the provision of the Affordable Care Act that requires Americans to have health insurance, saying it was unconstitutional, but the future of the decade-old health care law is still in limbo, writes the NYT’s Abby Goodnough. The decision did not invalidate the rest of the law, and the panel of the U.S. Court of Appeals for the Fifth Circuit in New Orleans sent the case back to a federal district judge in Texas to see which parts of the law could survive without the mandate. If the law were thrown out, insurers would no longer have to cover people up to age 26 on their parents’ plans, and could refuse coverage for more than 50 million people with pre-existing conditions. About 17 million Americans bought coverage through the A.C.A. The case could go before the Supreme Court. The California attorney general, Xavier Becerra, said he planned to petition the court to hear the case. He led 21 states that intervened to try to preserve the law. President Trump, who campaigned on repealing the law, tried to appeal to both opponents of the law and people concerned about losing their health insurance. He called the ruling “a big win for all Americans,” and said it would not alter the health care system. Mr. Trump also said he wanted to protect people with pre-existing conditions. The case is unlikely to be resolved before next year’s presidential election.
Leaked Bank of England feed gave investors an edge
The Bank of England said today that an audio feed from its news conferences had been leaked to some investors before it was made public. The early access to policymakers’ remarks gave those investors a leg up on the rest of the market, reports the NYT’s Amie Tsang. The central bank is investigating the source of the leak, an unidentified third-party supplier that has provided sound from news conferences ahead of their video feed since earlier this year. Investors closely monitor the news conferences to gain insight. “In the world of high-speed trading, just a few seconds’ lead time can offer some investors a trading advantage,” Ms. Tsang reports. The bank said it had disabled the supplier’s access. “The bank operates the highest standards of information security around the release of the market-sensitive decisions of its policy committees,” it said.
Uber reaches a settlement on sexual harassment
Uber has a resolution on one investigation into its workplace culture: Yesterday, the ride-hailing company agreed to create a $4.4 million fund to compensate employees who had been sexually harassed at work, the NYT’s Kate Conger writes. The company “permitted a culture of sexual harassment and retaliation,” the Equal Employment Opportunity Commission found. It has been examining workplace issues there since 2017. Besides creating the fund, the company agreed to three years of monitoring by a former agency commissioner to ensure that it changes its practices. “This agreement will hopefully empower women in technology to speak up against sexism in the workplace knowing that their voices can yield meaningful change,” a lawyer for the Commission said. The prevalence of sexual harassment at Uber came to light when a former engineer, Susan Fowler, published an essay describing how the company had allowed inappropriate behavior to fester. The company has “worked hard to ensure that all employees can thrive at Uber by putting fairness and accountability at the heart of who we are and what we do,” said Tony West, the company’s chief legal officer.
A big threat to job growth: demographics
The U.S. job market continues to exceed expectations, but it is on a collision course with a dimming demographic outlook, writes Greg Ip in the WSJ. Job numbers are growing faster than expected: The current economic expansion has lasted a record 10-plus years. But the U.S. population is smaller than the Census Bureau had predicted. “The U.S. has had two longstanding demographic advantages over other countries: higher fertility and immigration,” Mr. Ip writes. “Both are eroding.” • The country’s fertility rate dropped to its lowest on record in 2018. • And the foreign-born population in the U.S. had a historically low expansion rate last year. “Job creation is constrained by the number of people of working age,” Mr. Ip writes. And until the trends are reversed, “the U.S. cannot assume it is immune to the demographic downdraft holding back Germany and Japan.”
Boeing suppliers wait for the other shoe to drop
Boeing buys parts from 600 suppliers around the world to build its 737 Max planes. Those suppliers are now waiting to see how the company’s temporary halt in production will affect their businesses, writes the NYT’s David Yaffe-Bellany. “We are in a crisis mode,” Philippe, the C.E.O. of Safran, a French company that makes engines for the Max in partnership with General Electric, told L’usine nouvelle, a French newspaper. “Any day we do nothing now costs us money.” The grounding of the Max has reduced G.E.’s cash flow by $400 million per quarter, company officials said in August. And Spirit AeroSystems, a Kansas company that manufactures the plane’s fuselage, relies on Boeing for 80 percent of its revenue. Yet “the full reach of Boeing’s production process extends beyond those direct suppliers,” Mr. Yaffe-Bellany writes. Major suppliers that also manufacture materials for other companies may be equipped to weather the suspension, while smaller operations will struggle. Yet a halt to production that lasts longer than a month could put even those larger companies in peril. More: President Trump reportedly called Boeing’s C.E.O. on Sunday to discuss the company’s plans to halt production of the 737 Max.
Revolving door
Louis Dreyfus named Patrick Treuer, a former Credit Suisse investment banker, its new finance chief. Peter Zaffino, the executive overseeing a turnaround effort of A.I.G.’s general insurance unit, was named as the company’s president. Pearson’s chief executive, John Fallon, will step down next year. Blythe Masters, the former JPMorgan executive and C.E.O. of the blockchain start-up Digital Asset Holdings, has joined the investment firm Motive Partners.
The speed read
Deals • Several suitors have reportedly expressed interest in acquiring the Spanish-language broadcaster Univision. (WSJ) • Now that PSA and Fiat Chrysler are combining, Carlos Tavares has a hefty to-do list. (Bloomberg) • Broadcom is looking to sell one of its wireless-chip units, a move that would accelerate the company’s shift away from its roots as a semiconductor maker. (WSJ) • Valence Media, the parent of Billboard magazine, is acquiring Nielsen Music, a transaction that comes as data takes on an increasingly outsize role in the music industry. (WSJ) • Adyen has sealed a deal to process McDonald’s mobile app payments, expanding the Dutch company’s portfolio of clients in a growing sector. (Bloomberg) • Short-sellers are betting against companies that they believe are unduly inflated by environmental, social and governance promises. (Reuters) • Direct lenders, including hedge funds and buyout firms, are preparing to dish out billions at a time to lure borrowers away from the $1.2 trillion leveraged loan market. (Bloomberg) • The year the markets stopped believing in unicorns. (FT) Politics and policy • President Trump has asked advisers for a plan to help ease student loan debt for Americans, according to senior administration officials. (WSJ) • Mayor Pete Buttigieg, a presidential candidate, cemented his place in the top tier of the Democratic primary after becoming more aggressive. (NYT) • As his coal mining company was going bankrupt, Robert E. Murray paid himself $14 million, gave his successor a $4 million bonus and earmarked nearly $1 million for casting doubt on human-made climate change. (NYT) • The special inspector general with the Troubled Asset Relief Program is calling for the U.S. to establish a national financial fraud registry. (WaPo) Brexit • After Prime Minister Boris Johnson’s election victory, activists who wanted Britain to stay in the E.U. have thrown in the towel. (WSJ) • Amazon is reportedly scouting sites in Ireland for a warehouse to fulfill orders currently shipped from Britain, as the Brexit deadline looms. (Bloomberg) Tech • Many people don’t hesitate to spend $600 on a cellphone. Here’s another device that money could be spent on: a toaster oven. (NYT) • Tesla shares hit an all-time high. (CNBC) • Chancellor Angela Merkel of Germany played down any public threats from China if her government were to bar Huawei from the country’s 5G network. (Bloomberg) • The Texas authorities say Google is trying to hamstring an antitrust investigation of the company brought by 51 attorneys general. (WaPo) Best of the rest • Wall Street analysts are unconvinced that Beyond Meat, the maker of “plant-based meat,” can repeat its stock performance from 2019. (Bloomberg) • If Prime Minister Boris Johnson of Britain decides to reshape the BBC, he has five ways to pursue it. (FT) • Edward Snowden is not allowed to profit from his memoir because he didn’t get publication clearance from the C.I.A. and the N.S.A., a judge ruled. (Bloomberg) • Inflation in Britain remained at a three-year low in November, comfortably below the Bank of England’s 2 percent target before its next interest rate announcement, which is expected today. (Reuters) • Coca-Cola documents show that the company’s public-relations goals included targeting teenagers, even as childhood obesity rates were rising. (WaPo) • Renaissance Technologies, which has produced the greatest investment returns of any hedge fund, may be facing a clawback over a tax maneuver. (WSJ) • Bernie Ebbers, the WorldCom C.E.O. imprisoned in one of the biggest frauds of the 20th century, will soon be free after serving just over half of a 25-year sentence. (NYT) Thanks for reading! We’ll see you tomorrow. We’d love your feedback. Please email thoughts and suggestions to [email protected]. Read the full article
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The Best Credit Card Processing Companies (In-Depth Review)
email marketing plan sample
Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.
There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.
So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties.
Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.
Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.
The Top 10 Credit Card Processing Companies
Square
PayPal
FIS
Stripe
Payline Data
Fiserv
BitPay
Adyen
Dharma Merchant Services
Fattmerchant
How to Choose the Best Credit Card Processing Company for You
Here are some key elements to consider when choosing the right credit card processing company for you:
1. Fees
Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.
Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.
2. Accepted Payment Methods
Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular.
3. Customer Experience
When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined.
In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.
It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.
4. User Experience
Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.
Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.
Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.
The Different Types of Credit Card Processing Company
There are two main types of credit card processing company. Here’s the 411:
Credit Card Processor
A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.
Full-Service Credit Card Processor & Merchant Account
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.
Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.
#1 – Square — The Best for Ease of Use
Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.
Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:
Bonus: you can get the software and Square Reader for free.
The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.
Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.
Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.
#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers
You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.
With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:
If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.
The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.
Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.
#3 – FIS — The Best for Small Businesses
FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.
However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services:
And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.
FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.
FIS is the choice for you if you own a small business and want a customizable solution.
#4 – Stripe — The Best for Internet Businesses
Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.
What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:
There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees.
Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.
If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.
#5 – Payline Data — The Best for High-Risk Merchants
Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes.
It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.
Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:
However, you can work out exactly what your monthly costs will be using their payment calculator tool.
Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.
As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.
#6 – Fiserv — The Best for High-Volume Retailers
This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.
What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.
Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally.
Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.
Fiserv is the right choice for more experienced, high-volume and global retailers.
#7 – BitPay — The Best for Accepting Crypto
Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.
Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store.
The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:
Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees.
So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.
#8 – Adyen — The Best for Growing Enterprises
Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level.
You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:
Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.
Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.
Overall, if you’re focused on growth, Adyen is the perfect partner.
#9 – Dharma Merchant Services — The Best for Quick Service Payments
Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.
The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:
Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.
With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.
Choose Dharma if you own a quick service business and need support along the way.
#10 – Fattmerchant — The Best for Professional Services
Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.
The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.
The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:
Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.
Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.
Summing Up
Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.
Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.
Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.
Now it’s over to you to explore these top providers further and make the right choice.
Google
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The Best Credit Card Processing Companies (In-Depth Review)
Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.
There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.
So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties.
Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.
Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.
The Top 10 Credit Card Processing Companies
Square
PayPal
FIS
Stripe
Payline Data
Fiserv
BitPay
Adyen
Dharma Merchant Services
Fattmerchant
How to Choose the Best Credit Card Processing Company for You
Here are some key elements to consider when choosing the right credit card processing company for you:
1. Fees
Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.
Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.
2. Accepted Payment Methods
Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular.
3. Customer Experience
When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined.
In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.
It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.
4. User Experience
Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.
Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.
Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.
The Different Types of Credit Card Processing Company
There are two main types of credit card processing company. Here’s the 411:
Credit Card Processor
A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.
Full-Service Credit Card Processor & Merchant Account
Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.
Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.
#1 – Square — The Best for Ease of Use
Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.
Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:
Bonus: you can get the software and Square Reader for free.
The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.
Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.
Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.
#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers
You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.
With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:
If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.
The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.
Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.
#3 – FIS — The Best for Small Businesses
FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.
However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services:
And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.
FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.
FIS is the choice for you if you own a small business and want a customizable solution.
#4 – Stripe — The Best for Internet Businesses
Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.
What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:
There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees.
Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.
If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.
#5 – Payline Data — The Best for High-Risk Merchants
Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes.
It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.
Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:
However, you can work out exactly what your monthly costs will be using their payment calculator tool.
Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.
As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.
#6 – Fiserv — The Best for High-Volume Retailers
This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.
What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.
Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally.
Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.
Fiserv is the right choice for more experienced, high-volume and global retailers.
#7 – BitPay — The Best for Accepting Crypto
Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.
Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store.
The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:
Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees.
So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.
#8 – Adyen — The Best for Growing Enterprises
Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level.
You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:
Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.
Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.
Overall, if you’re focused on growth, Adyen is the perfect partner.
#9 – Dharma Merchant Services — The Best for Quick Service Payments
Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.
The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:
Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.
With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.
Choose Dharma if you own a quick service business and need support along the way.
#10 – Fattmerchant — The Best for Professional Services
Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.
The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.
The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:
Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.
Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.
Summing Up
Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.
Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.
Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.
Now it’s over to you to explore these top providers further and make the right choice.
The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.
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More bubbles, booms expected as Bitcoin turns 10
More bubbles, booms expected as Bitcoin turns 10
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin.
As the world’s most popular crypto-currency, Bitcoin turned 10 last week, there will be many more bubbles, booms and busts.
That’s according to industry players as the crypto-currency marked its tenth anniversary.
“Satoshi Nakamoto” is presumed to be a pseudonym for the person or people who designed the original Bitcoin protocol in 2008 and launched the network in 2009.
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin (block number 0), which had a reward of 50 Bitcoins. The recipient of the first Bitcoin transaction was programmer Hal Finney, who received 10 Bitcoins from Nakamoto.
From January 2009 to March 2010, Bitcoin’s value was basically zero and in May 2010, it was less than $0.01.
Over the course of Bitcoin’s history, it has undergone rapid growth to become a significant currency both on and offline – from the mid-2010s, some businesses began accepting Bitcoin in addition to traditional currencies.
Since then, based on Bitcoin’s open source code, thousands of other crypto-currencies have emerged.
Below are some of the highlights in Bitcoin’s history:
In June 2011, WikiLeaks and other organisations began to accept Bitcoins for donations. In October 2012, BitPay reported having over 1 000 merchants accepting Bitcoin under its payment processing service. In November 2012, WordPress had started accepting Bitcoins.
In February 2013, the Bitcoin-based payment processor Coinbase reported selling $1 million worth of Bitcoins in a single month at over $22 per Bitcoin.
In early February 2014, one of the largest Bitcoin exchanges, Mt Gox, suspended withdrawals citing technical issues. By the end of the month, Mt Gox had filed for bankruptcy protection in Japan amid reports that 744 000 Bitcoins had been stolen.
Less than one year after the collapse of Mt Gox, UK-based exchange Bitstamp announced that its exchange would be taken offline while they investigate a hack which resulted in about 19 000 Bitcoins (equivalent to roughly $5 million at that time) being stolen from its hot wallet.
In February 2015, the number of merchants accepting Bitcoin exceeded 100 000. In August 2016, a major Bitcoin exchange, Bitfinex, was hacked and nearly 120 000 BTC (around $60 million) was stolen.
In March 2016, the Cabinet of Japan recognised virtual currencies like Bitcoin as having a function similar to real money. Bidorbuy, the largest South African online marketplace, launched Bitcoin payments for both buyers and sellers.
In September 2016, the number of Bitcoin ATMs had doubled over the previous 18 months and reached 771 ATMs worldwide.
Price fluctuations have also been a major issue in Bitcoin’s history. Its peak was $20 000 in December 2017. However, the price has dramatically dropped since then. At the time of publishing, it was trading at $4 042.
Regulation of Bitcoin has also been a thorny issue in many jurisdictions. In December 2014, the South African Reserve Bank issued a position paper on virtual currencies whereby it declared that virtual currency had “no legal status or regulatory framework”. The South African Revenue Service classified Bitcoin as an intangible asset.
Blockchain popularisation
World Wide Worx MD Arthur Goldstuck comments that the true triumph of Bitcoin is the extent to which it popularised blockchain, and in effect evangelised it far beyond the world of crypto-currency.
“Long before Bitcoin and other crypto-currencies become mainstream, blockchain will be a standard tool in business, especially in financial services, trade and contracts,” says Goldstuck.
He believes the low point of Bitcoin was, without a doubt, the explosion in its value to $20 000, and the subsequent inevitable implosion.
“While there can be little sympathy for the professional speculators who knew they were gambling, many gullible people lost their life savings falling for impossible promises when they bought at the height of the bubble.
“There will be many more bubbles, booms and bust, but it remains a good long-term investment if one is not buying during a period of frenzy.”
Goldstuck points out that Bitcoin is not the only crypto-currency in town, and it is even possible it will no longer be around a decade from now.
“It’s not Bitcoin, but crypto-currency, that awaits the mainstream. When that time comes, it is also likely that all crypto-currencies will be interchangeable, not only with each other, but also with traditional currency. That will ultimately define it going mainstream.
“Some purists believe that crypto will only succeed when it replaces so-called fiat currency, but that is a silly, childish and blinkered viewpoint. In the same way that credit cards did not replace cash, and mobile money has not killed cash, it is likely that these formats of financial instrument will coexist for the foreseeable future.”
Alan Robertson, co-founder of YOU#, says Bitcoin has forever changed the way people see value exchange and store in the modern world.
“Freed from the grip of institutions who charge billions in fees while selectively providing financial services to those with means, everyone with a mobile device can, for the first time in history, do international banking almost instantly and for next to nothing.”
Nonetheless, he points out that Bitcoin’s lows are perhaps the emergence of so many scam artists who have been successful in separating people from their hard-earned money through hacking, multi-level marketing and Ponzi schemes, and in the process have left them disillusioned about the greatest technological and societal advance since the Internet.
Commenting on Bitcoin’s 10 anniversary, crypto-currency company Luno, says that “currently, Bitcoin miners get rewarded with a ‘block reward’ of 12.5 Bitcoin”.
A block reward refers to new Bitcoin granted by the blockchain network to miners. After the discovery of every 210 000 blocks, the block reward is halved, which happens around four years.
According to Luno, on average, 144 blocks are mined each day. “For those whose best friend is the calculator app on your phone, that amounts to 1 800 Bitcoin.
“Interestingly enough, research done by company Chainalysis finds that as much as 20% of all the Bitcoin in existence is missing. Therefore, while there are 17.3 million Bitcoin currently in circulation, only 11 million are accessible,” Luno says.
It explains that this block was the starting point for Bitcoin, for the crypto-currencies that followed, and for a new financial system – one which puts your own money back into your hands.
“While it may have taken a while for some to grasp the idea of crypto-currency, this momentous decennial anniversary is definitely one to celebrate.
“We’ve seen the adoption of crypto-currency explode and shrink in equal measure, but overall the industry has made incredible progress. With the community investing in building the infrastructure, we have a feeling that, although Rome wasn’t built in a day, it may be built much quicker than the haters previously thought,” Luno adds.
Original Source http://bit.ly/2LWMWJx
0 notes
Text
More bubbles, booms expected as Bitcoin turns 10
More bubbles, booms expected as Bitcoin turns 10
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin.
As the world’s most popular crypto-currency, Bitcoin turned 10 last week, there will be many more bubbles, booms and busts.
That’s according to industry players as the crypto-currency marked its tenth anniversary.
“Satoshi Nakamoto” is presumed to be a pseudonym for the person or people who designed the original Bitcoin protocol in 2008 and launched the network in 2009.
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin (block number 0), which had a reward of 50 Bitcoins. The recipient of the first Bitcoin transaction was programmer Hal Finney, who received 10 Bitcoins from Nakamoto.
From January 2009 to March 2010, Bitcoin’s value was basically zero and in May 2010, it was less than $0.01.
Over the course of Bitcoin’s history, it has undergone rapid growth to become a significant currency both on and offline – from the mid-2010s, some businesses began accepting Bitcoin in addition to traditional currencies.
Since then, based on Bitcoin’s open source code, thousands of other crypto-currencies have emerged.
Below are some of the highlights in Bitcoin’s history:
In June 2011, WikiLeaks and other organisations began to accept Bitcoins for donations. In October 2012, BitPay reported having over 1 000 merchants accepting Bitcoin under its payment processing service. In November 2012, WordPress had started accepting Bitcoins.
In February 2013, the Bitcoin-based payment processor Coinbase reported selling $1 million worth of Bitcoins in a single month at over $22 per Bitcoin.
In early February 2014, one of the largest Bitcoin exchanges, Mt Gox, suspended withdrawals citing technical issues. By the end of the month, Mt Gox had filed for bankruptcy protection in Japan amid reports that 744 000 Bitcoins had been stolen.
Less than one year after the collapse of Mt Gox, UK-based exchange Bitstamp announced that its exchange would be taken offline while they investigate a hack which resulted in about 19 000 Bitcoins (equivalent to roughly $5 million at that time) being stolen from its hot wallet.
In February 2015, the number of merchants accepting Bitcoin exceeded 100 000. In August 2016, a major Bitcoin exchange, Bitfinex, was hacked and nearly 120 000 BTC (around $60 million) was stolen.
In March 2016, the Cabinet of Japan recognised virtual currencies like Bitcoin as having a function similar to real money. Bidorbuy, the largest South African online marketplace, launched Bitcoin payments for both buyers and sellers.
In September 2016, the number of Bitcoin ATMs had doubled over the previous 18 months and reached 771 ATMs worldwide.
Price fluctuations have also been a major issue in Bitcoin’s history. Its peak was $20 000 in December 2017. However, the price has dramatically dropped since then. At the time of publishing, it was trading at $4 042.
Regulation of Bitcoin has also been a thorny issue in many jurisdictions. In December 2014, the South African Reserve Bank issued a position paper on virtual currencies whereby it declared that virtual currency had “no legal status or regulatory framework”. The South African Revenue Service classified Bitcoin as an intangible asset.
Blockchain popularisation
World Wide Worx MD Arthur Goldstuck comments that the true triumph of Bitcoin is the extent to which it popularised blockchain, and in effect evangelised it far beyond the world of crypto-currency.
“Long before Bitcoin and other crypto-currencies become mainstream, blockchain will be a standard tool in business, especially in financial services, trade and contracts,” says Goldstuck.
He believes the low point of Bitcoin was, without a doubt, the explosion in its value to $20 000, and the subsequent inevitable implosion.
“While there can be little sympathy for the professional speculators who knew they were gambling, many gullible people lost their life savings falling for impossible promises when they bought at the height of the bubble.
“There will be many more bubbles, booms and bust, but it remains a good long-term investment if one is not buying during a period of frenzy.”
Goldstuck points out that Bitcoin is not the only crypto-currency in town, and it is even possible it will no longer be around a decade from now.
“It’s not Bitcoin, but crypto-currency, that awaits the mainstream. When that time comes, it is also likely that all crypto-currencies will be interchangeable, not only with each other, but also with traditional currency. That will ultimately define it going mainstream.
“Some purists believe that crypto will only succeed when it replaces so-called fiat currency, but that is a silly, childish and blinkered viewpoint. In the same way that credit cards did not replace cash, and mobile money has not killed cash, it is likely that these formats of financial instrument will coexist for the foreseeable future.”
Alan Robertson, co-founder of YOU#, says Bitcoin has forever changed the way people see value exchange and store in the modern world.
“Freed from the grip of institutions who charge billions in fees while selectively providing financial services to those with means, everyone with a mobile device can, for the first time in history, do international banking almost instantly and for next to nothing.”
Nonetheless, he points out that Bitcoin’s lows are perhaps the emergence of so many scam artists who have been successful in separating people from their hard-earned money through hacking, multi-level marketing and Ponzi schemes, and in the process have left them disillusioned about the greatest technological and societal advance since the Internet.
Commenting on Bitcoin’s 10 anniversary, crypto-currency company Luno, says that “currently, Bitcoin miners get rewarded with a ‘block reward’ of 12.5 Bitcoin”.
A block reward refers to new Bitcoin granted by the blockchain network to miners. After the discovery of every 210 000 blocks, the block reward is halved, which happens around four years.
According to Luno, on average, 144 blocks are mined each day. “For those whose best friend is the calculator app on your phone, that amounts to 1 800 Bitcoin.
“Interestingly enough, research done by company Chainalysis finds that as much as 20% of all the Bitcoin in existence is missing. Therefore, while there are 17.3 million Bitcoin currently in circulation, only 11 million are accessible,” Luno says.
It explains that this block was the starting point for Bitcoin, for the crypto-currencies that followed, and for a new financial system – one which puts your own money back into your hands.
“While it may have taken a while for some to grasp the idea of crypto-currency, this momentous decennial anniversary is definitely one to celebrate.
“We’ve seen the adoption of crypto-currency explode and shrink in equal measure, but overall the industry has made incredible progress. With the community investing in building the infrastructure, we have a feeling that, although Rome wasn’t built in a day, it may be built much quicker than the haters previously thought,” Luno adds.
Original Source http://bit.ly/2LWMWJx
0 notes
Text
More bubbles, booms expected as Bitcoin turns 10
More bubbles, booms expected as Bitcoin turns 10
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin.
As the world’s most popular crypto-currency, Bitcoin turned 10 last week, there will be many more bubbles, booms and busts.
That’s according to industry players as the crypto-currency marked its tenth anniversary.
“Satoshi Nakamoto” is presumed to be a pseudonym for the person or people who designed the original Bitcoin protocol in 2008 and launched the network in 2009.
On 3 January 2009, the Bitcoin network came into existence with Nakamoto mining the genesis block of Bitcoin (block number 0), which had a reward of 50 Bitcoins. The recipient of the first Bitcoin transaction was programmer Hal Finney, who received 10 Bitcoins from Nakamoto.
From January 2009 to March 2010, Bitcoin’s value was basically zero and in May 2010, it was less than $0.01.
Over the course of Bitcoin’s history, it has undergone rapid growth to become a significant currency both on and offline – from the mid-2010s, some businesses began accepting Bitcoin in addition to traditional currencies.
Since then, based on Bitcoin’s open source code, thousands of other crypto-currencies have emerged.
Below are some of the highlights in Bitcoin’s history:
In June 2011, WikiLeaks and other organisations began to accept Bitcoins for donations. In October 2012, BitPay reported having over 1 000 merchants accepting Bitcoin under its payment processing service. In November 2012, WordPress had started accepting Bitcoins.
In February 2013, the Bitcoin-based payment processor Coinbase reported selling $1 million worth of Bitcoins in a single month at over $22 per Bitcoin.
In early February 2014, one of the largest Bitcoin exchanges, Mt Gox, suspended withdrawals citing technical issues. By the end of the month, Mt Gox had filed for bankruptcy protection in Japan amid reports that 744 000 Bitcoins had been stolen.
Less than one year after the collapse of Mt Gox, UK-based exchange Bitstamp announced that its exchange would be taken offline while they investigate a hack which resulted in about 19 000 Bitcoins (equivalent to roughly $5 million at that time) being stolen from its hot wallet.
In February 2015, the number of merchants accepting Bitcoin exceeded 100 000. In August 2016, a major Bitcoin exchange, Bitfinex, was hacked and nearly 120 000 BTC (around $60 million) was stolen.
In March 2016, the Cabinet of Japan recognised virtual currencies like Bitcoin as having a function similar to real money. Bidorbuy, the largest South African online marketplace, launched Bitcoin payments for both buyers and sellers.
In September 2016, the number of Bitcoin ATMs had doubled over the previous 18 months and reached 771 ATMs worldwide.
Price fluctuations have also been a major issue in Bitcoin’s history. Its peak was $20 000 in December 2017. However, the price has dramatically dropped since then. At the time of publishing, it was trading at $4 042.
Regulation of Bitcoin has also been a thorny issue in many jurisdictions. In December 2014, the South African Reserve Bank issued a position paper on virtual currencies whereby it declared that virtual currency had “no legal status or regulatory framework”. The South African Revenue Service classified Bitcoin as an intangible asset.
Blockchain popularisation
World Wide Worx MD Arthur Goldstuck comments that the true triumph of Bitcoin is the extent to which it popularised blockchain, and in effect evangelised it far beyond the world of crypto-currency.
“Long before Bitcoin and other crypto-currencies become mainstream, blockchain will be a standard tool in business, especially in financial services, trade and contracts,” says Goldstuck.
He believes the low point of Bitcoin was, without a doubt, the explosion in its value to $20 000, and the subsequent inevitable implosion.
“While there can be little sympathy for the professional speculators who knew they were gambling, many gullible people lost their life savings falling for impossible promises when they bought at the height of the bubble.
“There will be many more bubbles, booms and bust, but it remains a good long-term investment if one is not buying during a period of frenzy.”
Goldstuck points out that Bitcoin is not the only crypto-currency in town, and it is even possible it will no longer be around a decade from now.
“It’s not Bitcoin, but crypto-currency, that awaits the mainstream. When that time comes, it is also likely that all crypto-currencies will be interchangeable, not only with each other, but also with traditional currency. That will ultimately define it going mainstream.
“Some purists believe that crypto will only succeed when it replaces so-called fiat currency, but that is a silly, childish and blinkered viewpoint. In the same way that credit cards did not replace cash, and mobile money has not killed cash, it is likely that these formats of financial instrument will coexist for the foreseeable future.”
Alan Robertson, co-founder of YOU#, says Bitcoin has forever changed the way people see value exchange and store in the modern world.
“Freed from the grip of institutions who charge billions in fees while selectively providing financial services to those with means, everyone with a mobile device can, for the first time in history, do international banking almost instantly and for next to nothing.”
Nonetheless, he points out that Bitcoin’s lows are perhaps the emergence of so many scam artists who have been successful in separating people from their hard-earned money through hacking, multi-level marketing and Ponzi schemes, and in the process have left them disillusioned about the greatest technological and societal advance since the Internet.
Commenting on Bitcoin’s 10 anniversary, crypto-currency company Luno, says that “currently, Bitcoin miners get rewarded with a ‘block reward’ of 12.5 Bitcoin”.
A block reward refers to new Bitcoin granted by the blockchain network to miners. After the discovery of every 210 000 blocks, the block reward is halved, which happens around four years.
According to Luno, on average, 144 blocks are mined each day. “For those whose best friend is the calculator app on your phone, that amounts to 1 800 Bitcoin.
“Interestingly enough, research done by company Chainalysis finds that as much as 20% of all the Bitcoin in existence is missing. Therefore, while there are 17.3 million Bitcoin currently in circulation, only 11 million are accessible,” Luno says.
It explains that this block was the starting point for Bitcoin, for the crypto-currencies that followed, and for a new financial system – one which puts your own money back into your hands.
“While it may have taken a while for some to grasp the idea of crypto-currency, this momentous decennial anniversary is definitely one to celebrate.
“We’ve seen the adoption of crypto-currency explode and shrink in equal measure, but overall the industry has made incredible progress. With the community investing in building the infrastructure, we have a feeling that, although Rome wasn’t built in a day, it may be built much quicker than the haters previously thought,” Luno adds.
Original Source http://bit.ly/2LWMWJx
0 notes