FiveStars versus Belly

FiveStars-vs-Belly

Fivestars premiered by Victor Ho and Matt Doka during the cold months of 2011. It services SMBs (medium and small companies) having a customizable loyalty program. The Fivestars Loyalty program utilizes a universal card (which fits for just about any business using Fivestars), along with a customer’s telephone number to trace and incentivize purchases made at the business. Fivestars also provides the opportunity to market your location using special SMS text campaigns, in addition to reward customers for social networking interactions, and may integrate with lots of POS systems. If you are searching for simple, you’ll think it is in Fivestars, but it isn’t your main option.

Belly’s loyalty program is powered via a customer-facing iPad completely outside of your POS system. Founder Logan LaHive created out a distinct segment for Belly among local companies in Chicago, gaining a Moxie award this year for the best UX (consumer experience). Similar to Fivestars, Belly utilizes a universal card to trace customer interactions, and physical cards could be substituted with the mobile application.

Fivestars and Belly share similar features, but exactly how each program works, and, more to the point, whether it’ll fit your small business, needs a much deeper look. Read the entire reviews for Belly and Fivestars here around the Merchant Maverick site. Continue studying to check prices, features, support, and overall function for every company.

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Fivestars hardware is in your area installed on your pc or POS terminal. You’ll require an up-to-date browser to see your dashboard, though. However, Belly utilizes a specifically designed iPad preloaded using the Belly loyalty software and needs a web connection.

Fivestars loyalty software programs are installed using a USB. All Belly software is a component of the Belly-provided iPad.

Champion: Belly

Fivestars costs average around $2500 annually, with a lot more campaigns and options to select from. Belly offers tiered prices options varying from $99 – $199 monthly, having a one-time $150 installation fee tacked on for that lower plans. You might be able to negotiate your monthly subscription with Fivestars, based on your company needs, but Belly provides a free trial offer duration of thirty days. Both Fivestars and Belly require contracts including 6 several weeks to some year. With Fivestars, you’re obligated to pay for the duration of your hire Belly, cancellations are susceptible to a 6 month cancellation fee.

Champion: Belly

Fivestars and Belly both get good marks for simplicity of use, but maintenance for Belly is lower, as well as your employees do not need to follow along with any extra steps, apart from answering the periodic question. The general consumer experience for Belly is greater compared to Fivestars, and also the program is more engaging and interactive compared to Fivestars program.

So far as installation goes, POS integration with Fivestars is fairly seamless, with Belly installation is basically tethering your iPad to some secure location and establishing the Wi-Fi.

Champion: Fivestars

Both Fivestars and Belly supply you with a representative to help you on the way, however they offer additional compensated choices for expert consultancy. Both of them provide customizable loyalty programs and e-mail marketing strategies, in addition to detailed reports relating to your program and campaigns. Have a downloadable mobile application for the customers. Both give a universal card to be used at any company that utilizes them, but Fivestars doesn’t require people to scan their loyalty card. They are able to use their telephone number rather. Belly requires checking either the credit card or even the mobile application.

Where Fivestars sets itself apart is thru its SMS texting features. The Autopilot program enables you to definitely send several predefined campaigns to gather information out of your customers or lure them to go back to your company. Fivestars also provides a choice of discretionary texts, which may be generated unconditionally (i.e. special promotions while offering). The reports available are more in depth too, since Fivestars integrates directly together with your POS system.

Belly requires a more direct approach with regards to getting feedback out of your customers. Prompts for social networking interaction via Yelp, Twitter, and Facebook can be found immediately after checking in. Belly’s mobile application can also be better quality and provides the choice to interact from your company link in addition to supplying a scanner that you can use instead of the Belly card. The main one concern I’ve with Belly’s program may be the per visit check-in process. Made to encourage repeat visits, Belly’s approach is problematic. A per-dollar point system ties revenue straight to rewards. A per-visit point system awards exactly the same quantity of points whether a person spends $5 or $50. The opportunity to distinguish backward and forward and incentivize greater expenses are what the program is missing.

Champion: Fivestars

Fivestars has additional campaigns you can include to boost your program while offering integration with multiple POS systems. Belly is really a standalone product, so no integrations can be found.

Champion: Fivestars

Support for Fivestars could be utilized through phone or email. The organization offer pretty extensive tutorials and video tutorials via Fivestars College, a light-weight support page, along with a blog. Support for Belly can be obtained through its line. You may also connect to the website for FAQs, in addition to the organization blog, however these choices are for very fundamental support. Belly provides an additional resource hub covering marketing practices, video lessons and testimonials.

My customer support encounters with Fivestars and Belly weren’t everything impressive, but local retailers appear happy with their support, so I’ll defer for them.

Champion: Belly

The most typical complaint against Fivestars originates from mobile application users. The mobile application has very couple of features and does not have a mobile scanner. Other complaints originate from their cancellation policy along with the way Fivestars does business. Customers who join your business’s program basically become customers of Fivestars. Fivestars can send purports to individuals customers associated with your company, in order to another business that utilizes Fivestars. This reveals the doorway to conflict and may potentially remove your edge against your competitors.

Belly has gotten its great amount of malcontent over its cancellation policy too, but the commonest complaint originates from customers using Belly outdoors of chicago. Belly is excellent at marketing Belly, particularly in Chicago, however for companies outdoors of Chicago, the motivation to participate Belly just isn’t as high. Obviously, you are able to operate a effective loyalty program no matter the number of companies use Belly, however the perk of the universal card -you can use at exactly one place- sheds.

What I’d want to see from both Belly and Fivestars is really a coalition program. Many companies have taken advantage of loyalty programs that provide rewards at areas (think supermarkets and gas rewards), so that as both companies broaden their nets, the opportunity of an excellent coalition program can there be.

Champion: Fivestars

Retailers using Fivestars have reported significant increases in profits after while using program. Used strategically, Fivestars can definitely strengthen the connection between customers and companies with time. Additionally, it will get heavy praise from local retailers because of its support.

In which the Fivestars mobile application is missing, the Belly application is extremely popular. So far as figures go, Fivestars has roughly 1500 reviews within the Google Play store when compared to 7000+ reviews for Belly, I believe it’s safe to declare a champion within the mobile application category. Belly is usually preferred among customers using it, and also the application will get great reviews.

Evaluating money to overall recognition, I believe Fivestars arrives ahead over time. If Belly can be their recognition means elevated profits for the business, we’ll reevaluate that assessment.

Champion: Tie

Awesome apps and clever features aside, how can these businesses strengthen your business? Will they:

  • Increase repeat business? For Fivestars and Belly the reply is yes, however in this the champion is Fivestars. Fivestars’ focus on worker training and relationship building puts it within the edge within this category. Fivestars offers video tutorials and guidelines to simplify the register process making the loyalty program simple for people to understand. This program is made to still engage your clients via email and text lengthy after they’ve visited where you are. Belly offers incentives to customers for coming back for your business, but individuals visits aren’t associated with revenue. Belly also provides special campaign features via email, but when compared to campaign features provided by Fivestars, they simply aren’t nearly as good. The character from the Belly program may increase appointments with Belly locations generally, although not always for your business.
  • Generate start up business? Yes for Fivestars, you will find for Belly, but Belly wins. All companies using Fivestars are viewable to customers through the website and mobile application. You have to Belly, but discoverability is a lot greater with Belly because of the recognition of their mobile application, along with its social networking interactions.
  • Provide you with a edge against your competitors? Yes to both, but, when i pointed out above, this might not necessarily function as the situation. Belly and Fivestars match this category, simply because it really depends upon in which you conduct business. Belly may be the less expensive option and a fantastic choice in case your competition has either no loyalty program or perhaps a very fundamental one. However, should you choose business within an area saturated with loyalty programs, Fivestars provides a more serious, although more costly, option and may really increase profitability.

Champion: Fivestars

Searching at these loyalty programs alongside, there’s a great deal to consider. While Fivestars arrives slightly ahead for getting a much better program overall, Belly holds its very own pretty much. Fivestars provides a better quality program its SMS campaigns possess a farther achieve compared to classical email strategies, and contains better customer care options, in addition to a more reliable roi. However, Belly’s deficiencies could be easily overcome, particularly with this type of popular program and smartly designed application, and a straightforward tie-directly into revenue might make an impact.

Phylicia Joannis

Phylicia is really a freelancer, indie author, and Google addict. She accustomed to scout all New York’s free venues in her own free time, however she’s reviewing loyalty rewards software for Merchant Maverick. Her professional background includes technical writing and research, though she’s also fluent in toddler gibberish. When she’s not crying over spilled milk, Phylicia enjoys studying, writing, and performing random Google searches.

Phylicia Joannis

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Just How Much Does Square Charge?

How much does Square charge? Image description: Tablet with Square app and reader
Square will get lots of love from retailers due to its obvious, affordable prices. Square bills itself as charging 2.75% per transaction, no matter card type. That’s true, but prices Square is a little more complicated than that because of the number of services the organization offers retailers. Just how much does Square charge?

That honestly depends upon that which you expect to do with Square. Are you currently only processing transactions personally? Would you sell online? Do you apply the virtual terminal or card-on-file features? Would you like the software add-ons? As the flat-rate prices is clear to see theoretically, when you begin mixing all of the features together it will get a little more confusing.

We’ll enter into prices here in just a minute, however, listed here are a couple of items to bear in mind about Square’s payment processing:

  1. Square charges exactly the same rate for all sorts of cards, including American Express. While which means you pay a significant markup over interchange for the typical MasterCard or Visa card, additionally, it means that you reduce American Express and lots of business/rewards cards.
  2. Square is really a third-party payments processor. Which means it aggregates everyone’s accounts into one giant credit card merchant account. It’s quite simple to register, but because a tradeoff, you face a rather greater chance of a free account hold or termination.
  3. Square deducts its charges in the total worth of your transaction — including tax and tip. The charges are deducted prior to the funds ever hit your money (rather of deducting a whole month’s price of charges at the same time).
  4. Square processes an atm card just like charge cards. There’s no PIN debit option.

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Square Charges By Transaction Type

Based on in which the transaction happensOrthe kind of transaction, you can pay 1 of 3 rates with Square:

  • 2.75%
  • 2.9% + $.30
  • 3.5% + $.15

I am not going to enter heavy number crunching here. If you wish to learn to calculate your charges, I suggest checking the cost comparison article Used to do, Is Square Truly the Least expensive Processor for the Business?

That will highlight how you can calculate your charges too observe how Square stacks facing an interchange-plus prices plan.

For the time being, though, let’s take a look at what you’ll purchase Square’s services within couple of different conditions.

Should you mainly sell personally, you’re likely to pay 2.75% for most your transactions. That’s fairly foreseeable over a tiered prices plan or perhaps interchange-plus plan. You do not need to bother about what types of cards you’re accepting since you spend the money for same its them. Which includes:

  • NFC: Apple Pay, Android Pay, Samsung Pay
  • Prepaid Gift Certificates

However, if one makes lots of internet sales, you’re likely to pay 2.9% + $.30, that is pretty standard. It’s exactly the same rate billed by PayPal, Stripe, as well as Authorize.internet. Including the following online transactions:

  • eCommerce Transactions
  • eCommerce Card on record
  • Invoices

The final prices category is other Card Not Present (CNP) transactions, that Square charges 3.5% + $.15. Getting the opportunity to keep your card on record and hang up recurring invoicing can certainly be a good thing for many types of business, mainly in the Business to business space. Others might not take advantage of these.

  • Keyed Transactions
  • Card on record
  • Virtual Terminal

Additional Charges for implementing Square

Just how much does Square charge its its administrative services? Normally, this is when I’d continue about any extra charges. PCI compliance, chargebacks, etc. However, I’m just likely to have a direct quote from Square’s Help Center to describe:

No hidden charges! There aren’t any charges for:
Activation
Installing the Square Reason for Purchase application
Early termination
Interchange
Chargebacks
Refunds
Account inactivity
PCI compliance

Seriously, that’s a fairly awesome deal for many retailers. Every other merchant will still ask you for charges for any refund, at the minimum. Most charges you a charge for any chargeback, too — on the top of what’s deducted to pay for the transaction.

Square boasts $250 monthly in chargeback protection. This only pertains to qualified transactions, however. However if you simply do encounter a chargeback also it does come under the needs, Square covers the price of the chargeback, meaning it will not subtract /anything/ from your bank account.

There’s one circumstance under that you pay an additional fee, and it is entirely optional. Square deposits most funds inside your account within 48 hrs. However, if you want your hard earned money sooner, you are able to choose a scheduled deposit or instant deposit. It’ll set you back 1% from the transfer value, if you transfer $250, you’ll pay $2.50, departing you with $247.50.

Theoretically, you will get your hard earned money almost once you result in the request. However, actual processing occasions still rely on your bank. Square can initiate the transfer, however your bank can always take hrs or perhaps a day-to publish. Getting a financial institution that processes transfers rapidly is certainly a benefit.

Add-On Services

So we’ve now covered what you’d invest in your typical Square transaction along with the supplemental charges (more particularly, the shortage thereof). There’s yet another group of potential costs to understand more about, and that’s software add-ons.

You receive a lot using the fundamental Square Reason for Purchase application, but you will get much more using the software add-ons: everything from appointment booking to e-mail marketing.

I encourage you to look at our Square review for any more in depth consider the Reason for Purchase application features. You may also take a look at our other Square articles:

Square for Retail: $60 per register monthly

Square’s search-focused, inventory-heavy POS application, Square for Retail, was created with physical stores. It supports bar code printing and checking, too vendor management and buy orders. You could get inventory from inside the application, you don’t need to by hand update the counts. However, there are several limitations: the application isn’t as robust because the free Reason for Purchase application, and the price of goods reporting leaves many retailers dissatisfied. However, Retail does include Worker Management at no additional cost.

Worker Management: $5 per worker monthly

Worker management is Square’s time keeping add-on. Additionally, it supports user permissions to be able to restrict use of certain features as necessary. The permissions levels are customizable, too, so you aren’t locked into specific roles and talents. Worker management includes some advice reconciliation feature. Worker management is incorporated at no extra charge in Square for Retail.

Payroll: $25 monthly plus $5 per worker/contractor monthly

Payroll isn’t obtainable in every condition yet, but it’s obtainable in most of them. Browse the list here. For any $25 monthly base subscription plus $5 per worker monthly, you’ll get time keeping, direct deposit, records of your time off and sick days, payroll tax filing, workers compensation and much more. Square supports hourly wages, salaries, and flat payments, too. In addition, there’s a contractors-only plan that merely costs $5 monthly per contractor no monthly subscription needed.

It’s important to note that although you need to do get time keeping with Payroll, you do not obtain the other Worker Management features. For your, you’ll need to sign up for both services.

Appointments: $30 monthly for just one person, $50 monthly for just two-5 people, $90 monthly for limitless

Should you operate a salon or any other appointment-based business, Square’s appointing booking software integrates seamlessly with the remainder of Square’s services. They’ll even supply you with a free website so customers can book appointments 24/7. You are able to request pre-payment, send reminders, and much more.

Loyalty: $25 per location monthly

Square’s digital loyalty program enables you to reward customers for repeat visits. The rewards plan is customizable, so that you can choose the rewards and hang the parameters to earn them. The entire system runs from inside the purpose of Purchase application and you may sign people up at checkout.

Marketing: $15/month

A part of Square’s Reason for Purchase application may be the customer database where one can collect customer information making notes. That database also feeds into Square’s marketing service, so that you can keep records of the items customers buy so when. Use that information to focus on all of them with specific campaigns having a segmented database.

Conclusion: Just How Much Does Square Charge, Really?

Unlike a tiered prices plan or perhaps an interchange-plus plan, Square bills you the speed regardless of what kind of card you process. However, based on which kind of transaction, you’re likely to pay either 2.75%, 2.9% + $.30, or 3.5% + $.15. It’ll depend on you to definitely figure what number of transactions fall under which category and perform the math based by yourself processing history.

Still, Square causes it to be a great deal simpler to determine precisely what you’re having to pay. There aren’t any hidden charges, with no mandatory charges whatsoever (aside from processing rates). If you go searching for instant deposit, you’ll pay 1% for every transaction. Apart from that, the only real other charges Square expenditure is because of its monthly subscription services, that are entirely optional.

Remember to look at our Square and Square for Retail reviews to find out if Square can be a good fit for you personally. For those who have more questions regarding Square, you can publish them below! We’re always here to assist.

Melissa Johnson

Melissa Manley is definitely an independent author and editor who loves e-commerce, internet marketing, technology, and social networking. Not so long ago, she earned a journalism degree, but she continued to uncover that they could work at home, researching, editing, and covering the items she found most fascinating. When she’s not associated with her laptop, Melissa usually can be based in the kitchen, studying a magazine, or doing something from the nerdy persuasion.

Melissa Johnson

“”

The Merchant’s Help guide to Having Your Funds Fast

Get your merchant funds fast. Image description: Clock with money underneath it

Every merchant owner recognizes that income is important to some business’ survival. Which includes debit and credit sales, which are using your credit card merchant account before they achieve your money. A great deal can occur between that initial swipe or dip from the card and the point where the funds get to your bank account, which begs the issue — how will you get merchant funds fast?

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6 Methods to Minimize Processing Occasions

First of all, let’s take a look at some steps you, because the merchant, may take to safeguard your bank account and be sure fast processing.

1. Avoid Keyed Transactions whenever possible

Here’s one particularly for brick-and-mortar shops: Whether a card was keyed in or swiped/dipped can produce a huge difference in your processing occasions. Whenever you develop a transaction having a magstripe swipe or EMV nick, it’s treated as Card Present. Keyed transactions are treated as Card Not Present (CNP) since the equipment can’t tell if the card is physically present. (E-commerce transactions are treated as CNP too.) If you are a retail store by having an abnormally large number of keyed transaction, your processor can become suspicious and implement a hold or perhaps a reserve fund. This helps to ensure that they’ll have the money to pay for any chargebacks. Keyed transactions might also take an additional couple of days to process.

To become obvious, from time to time keying a card in if this won’t swipe or even the nick readers isn’t working is okay. However if you simply do that regularly, it’s going to become warning sign. And it’ll set you back more, too, because CNP transactions include greater rates.

2. Stay In Your Processing Limits

Mobile processors for example PayPal, Spark Pay, and Intuit GoPayment particularly happen to be recognized to set weekly and monthly limits for retailers according to their processing history. Exceeding individuals limits can occasionally trigger holds or perhaps account terminations, which certainly NOT the way you get merchant funds fast.

But even though you possess a traditional credit card merchant account, you’ll wish to be careful about abnormally busy days or several weeks. Drastically exceeding your normal processing amount is generally a warning sign. Coupled with a lot of keyed or high-value transactions, you would likely find your funds tangled up inside a hold or perhaps a brand-spanking-new reserve account.

That’s not saying gradual increases with time will appear suspicious. It’s more the main one-off spikes that have a tendency to enhance the hair being worn by the underwriters’ necks. You are able to sometimes deal with these concerns by contacting your merchandise provider and inform them that you simply expect a greater than average volume due to a purchase, function, or cool product launch.

3. Get Documentation for top-Value Transactions

Much like abnormally greater overall volumes can draw the interest of the credit card merchant account provider, so can abnormally large individual transactions. With third-party processors particularly, they’ll usually request a bill, signature, along with other documentation and contain the funds before you supply the documentation or even the chargeback window has closed. Some merchant services might also specify that for transactions over a certain value, a portion is going to be susceptible to a hold for thus a number of days.

However, it’s generally advisable for just about any large transaction (over $500) to possess a numbered invoice and signature.

4. Minimize Your Chargebacks

That one applies especially to eCommerce sellers because most chargebacks are suitable for CNP transactions: Keep your chargebacks low. A higher quantity of them signifies for your processor that buyers are unhappy together with your service or you’ve been accepting a higher quantity of fraudulent cards. Neither scenario is acceptable.

You are able to reduce chargebacks by getting a obvious and well-mentioned review policy in your website, around the product listing page, as well as in the receipt. Make certain your processor’s security measures are enabled, for example AVS AND CVV. Be skeptical of shipping products for an address that does not match the billing address, especially large orders.

5. Be careful about your Batch Occasions

Unless of course you’re having a third-party processor for example Square or PayPal, you will probably pay a load processing fee any time you submit a transaction for processing. Clearly, it’s less expensive to submit a lot of transactions at the same time. However, it’s a business standard security tactic to batch out at least one time inside a 24-hour period. Waiting more than that frequently includes greater processing rates due to an additional security risk. And, obviously, additionally, it takes longer to obtain your money because you’ve anxiously waited longer to finalize the transaction.

In most cases, you are able to control if you select to batch every day, whether it’s at 5 p.m. or 10 p.m. However, your processor could have a cut-off here we are at batching that you should receive next-few days-day funding. For instance, the processor may choose to receive funds by 6 p.m. to supply next-day funding. Should you batch out at 8 p.m, the transactions will not be processed until the following day at 6 p.m., so it would take an additional day-to receive your hard earned money.

The very best option would be to speak to your processor and make certain you’re obvious on any deadlines.

6. Select a Processor with Fast Funding Occasions

Not every processors are identical, including their processing occasions. Two working days is just about the industry standard, however, many processors have left more than that (3-five days). Could also be some exceptions towards the standard funding here we are at particular kinds of transactions (keyed, for instance).

If you are a established business with a decent processing history you could also end up qualified for twenty-four-hour/next-day funding. Not every merchant providers have this, and never all offer it to each merchant. However it never hurts to inquire about.

Your final word of caution: Make sure that you’re obvious on which “next-day funding” actual means, because it seems there’s some inconsistency in the way the term can be used. Where possible, talk more when it comes to hrs and working days.

6 Processors With Fast Merchant Funding

Since we’ve spoken about what sort of processing occasions merchant providers offer, let’s take a look at a few of the retailers who offer extremely fast use of funds. Including a mixture of third-party processors and traditional merchant services.

1. PayPal

PayPal may be the only processor that provides you free and near-immediate access for your merchant funds. Money will come in your PayPal account almost when the transaction is finished. If you possess the PayPal bank card the different options are your hard earned money anywhere, not only online. Gets in a financial institution account can require five days, but it’ll depend positioned on your bank.

2. Dharma A Merchant Account

Dharma offers 2-day business funding automatically, and retail retailers who process card-present transactions might be qualified for next-day funding. Be aware of whether Dharma signs you up through TSYS or First Data, since it will affect your cut-off here we are at batching.

3. Square

Square, automatically, offers next-business-day funding. Which means 48 hrs to obtain your funds generally (aside from weekends). However, if you want your hard earned money immediately, Square has instant and scheduled deposits for 1% from the transfer value (on the top of the Square rates). How quickly the thing is your hard earned money will still rely on your bank, however, so getting a financial institution that posts transactions rapidly matters.

4. Payment Depot

Payment Depot offers 24- to 48-hour funding because of its retailers, although it doesn’t allow it to be obvious what factors figure out how rapidly you receive your funds. Unlike Dharma, there’s no next-day-funding arrange for qualified retailers.

5. Helcim

Helcim offers 2-business-day payouts for many US retailers, with next-business-day transfers for weekend transactions. You may also go for next-business-day deposits as standard for the next $5/month, which differs from a number of other processors.

6. Fattmerchant

Fattmerchant promises next-day funding for retailers on its website, however it doesn’t allow it to be obvious that next-day funding is just for qualified retailers. Automatically, FattMerchant offers 24-hour funding for everybody — quite simply, 24 hrs once you batch out, you’ll have your funds. Using their next-day funding plan, you’ll get the funds the morning once you batch out.

Conclusion: The Key For You To Get Your Hard Earned Money As soon as possible

There isn’t any tips or methods or magic button to push to obtain your money if you have a free account. If you wish to get the funds as quickly as possible, you have to be an accountable merchant and set up a good processing history. Minimize your dangerous transactions and make certain you batch out every single day through the cut-off time.

Obviously, all that is useless in case your processor’s default processing time is 3-five days. So prior to signing an agreement, make certain you check up on deposit occasions. Locate a trustworthy processor which has funding options that actually work for your requirements. And for those who have questions, we’re always here to assist!

Melissa Johnson

Melissa Manley is definitely an independent author and editor who loves e-commerce, internet marketing, technology, and social networking. Not so long ago, she earned a journalism degree, but she continued to uncover that they could work at home, researching, editing, and covering the items she found most fascinating. When she’s not associated with her laptop, Melissa usually can be based in the kitchen, studying a magazine, or doing something from the nerdy persuasion.

Melissa Johnson

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Does Mobile Payment Place You In Danger Of Fraud?

mobile payment fraud

Starbucks continues to be making the incorrect type of headlines recently because of a string of security breaches relating to the accounts of the mobile application users. The online hackers drained money from users’ accounts and transferred the balances to fraudulent gift certificates. Because the Starbucks application is frequently organized to illustrate a effective mobile payment application, it begs the issue: do mobile payments expose retailers and people to fraud?

To be certain, all transactions carry together a danger of fraud. Cash, that has been counterfeited for hundreds of years, isn’t any exception. Now you ask , whether mobile payments expose retailers and/or people to an unacceptably high-risk of fraud.

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What Went Wrong using the Starbucks Application

The Starbucks mobile application enables users to “load” an online gift certificate by having an in-application purchase. Consider it as being buying Starbucks currency on the 1:1 basis. The virtual card’s QR code will be scanned at POS to help make the purchase, and cash is deducted in the card. Technically, the purchase is made prior to the scan, the Starbucks clerk is simply decrementing credit in the customer’s account.

The vulnerability exploited through the online hackers was the password security login. Because the application doesn’t lock lower the user’s account, even if multiple incorrect passwords are attempted, online hackers could use brute pressure strategies to circumvent the password protection. On accounts enabled with auto-reloading, fraudsters could steal continuously.

As the Starbucks application talks to some alarming vulnerabilities around in-application purchases, it isn’t an excellent illustration of either the strengths or vulnerabilities of mobile payment technology.

NFC Security Measures

Apple Pay and Google Wallet are not the same creatures compared to Starbucks application. These payment systems use near field communication (NFC) to permit two bits of hardware (the customer’s mobile phone and also the merchant’s POS terminal, typically) placed within centimeters of one another to speak.

These payment systems have additional security measures not located on the Starbucks application, hardening them against both software and hardware-based fraud. Apple Pay requires people to unlock their phone having a passcode after which scan their fingerprint to approve transactions at POS, making hardware thievery alone inadequate for fraud–thieves will have to also have the passcode and clone the user’s fingerprints. Traditional magnetic strip charge cards can’t repeat the same.

The program protection is a touch more complicated. Apple Pay doesn’t really store charge card info on the mobile phone or on Apple servers. Rather, “token” details are substituted with the charge card information throughout the purchase. A brand new, randomized token is generated for every purchase, making the tokens themselves not so helpful for online hackers.

Claims that Apple Pay is immune from fraud really are a bit excessively positive, however. While charge card information isn’t exchanged at POS or stored around the mobile phone, users still need enter charge card information throughout the initial account setup. These details could be harvested by traditional adware and spyware that exploits bugs within the iOS operating-system. Thieves may then link that charge card to their personal tool and make fraudulent purchases through Apple Pay. Apple has blamed this security flaw around the card-issuing banks who it claims unsuccessful to effectively verify the consumer identities when cards are associated with Apple Pay.

NFC and EMV Security Standards

The emergence of NFC payments transpires with coincide using the charge card liability shift moving in America in October 2015. The liability shift is made to combat America’s roughly $15 billion in annual charge card fraud by encouraging charge card companies and retailers to upgrade the safety options that come with their cards and terminals, correspondingly.

Charge cards will upgrade based on the Europay, Mastercard, and Visa (EMV) standards. EMV charge cards are outfitted having a nick like the one utilized in Apple Pay transactions that generates an arbitrary, one-time token at POS. The present magnetic strip system utilizes a static value associated with the strip, so fraudsters only need clone that information to create a dummy charge card. Customers then verify the acquisition having a flag or signature. There’s some debate over the easiest method to verify customer ID at POS, with American charge card companies seeming to favor signature verification (claiming easy customer use), though it may be typically vulnerable forgery, as well as natural variations in how you might sign their name.

Retailers, however, ought to upgrade to EMV terminals. The party who didn’t result in the security investment, or no, is going to be held responsible for fraud following the October shift. If both or neither party active in the transaction makes the upgrade, liability is decided exactly the same way it had been before the shift.

What’s promising for retailers would be that the security technology in NFC and EMV payments make use of the same communication protocol, so a careful purchase of an EMV terminal will include the opportunity to conduct NFC payments at little expense.

Card-Not-Present Fraud

The United kingdom, Australia, and France all saw a rise in fraud involving transactions in which the card wasn’t present (CNP transactions) within the years following EMV adoption, suggesting that EMV security measures were good at discouraging using counterfeit and stolen cards at POS.

Since NFC mobile wallets satisfy the EMV standard, they’re considered card-present transactions when they’re used at EMV terminals. When accustomed to make online purchases, however, they’re considered CNP transactions. Verifying the customer’s identity during CNP transactions will probably be important than ever before as thieves turn their attentions to reduce-hanging fruit.

It ought to be noted that, presently, QR-code transactions don’t fall under this paradigm like a charge card isn’t billed at POS–the primary NFC competitor, CurrentC, links straight to a financial institution account and store-specific apps pre-load credit via in-application purchases.

Chargebacks

Chargebacks really are a turnaround of funds using a debit or credit card that may cost retailers in processing charges. If the transaction is carried out through NFC or EMV, a credit or card will typically be billed for that purchase. Which means the entire process of resolving a mobile payment chargeback will appear nearly the same as what credit card transaction.

There are many reasons a chargeback can happen, and payment having a fraudulent mobile account is one kind of them. At least, the store will typically be billed a $20 non-refundable processing fee, and also the funds in the transaction might be withheld before the dispute is completed.

Observe that the formerly pointed out liability shift will affect who’s considered accountable for the fraudulent charges that trigger the chargeback.

Takeaway on Mobile Payment Security Issues

Despite some vulnerabilities within the setup stage–that can be handled with increased aggressive CNP identity verification for issuing banks–mobile NFC payments satisfy the enhanced security standards of EMV plastic. These functions, if adopted through the merchant, allow it to be not as likely the store is going to be held liable on chargebacks or mobile payment fraud. However, vulnerabilities because of the negligence of consumers or issuing banks can lead to undesirable chargeback arbitration much like what retailers have underneath the current system.

Chris Motola

Chris Motola is definitely an independent author, journalist, programmer, and game designer that has mastered the skill of using his laptop in no less than 541 positions, many of them unergonomic. When he isn’t pushing keys or swiping screens, he’s most likely out exploring urban or natural environs, experimenting in the kitchen area, or delighting/annoying his buddies together with his ideas and theories.

Chris Motola

“”

What PayPal’s Bitcoin Integration Method for Online Retailers

Bitcoin1

There’s quite a bit happening around the PayPal front right now (take a look at our lately updated PayPal review here) — it’s not only getting ready to spin removed from its longtime parent company, eBay, but PayPal now enables its retailers to simply accept Bitcoin payments.

For individuals who have no idea about Bitcoin, it’s an online currency, sometimes also known as a cryptocurrency. Bitcoins aren’t printed or minted. Actually, they merely ever exist as records of transactions, collected inside a virtual wallet. They’re processed more than a network, and also the entire platform is open-source, meaning it’s very easy for anybody to get involved with the procedure and begin earning Bitcoins. Take a look at our help guide to accepting Bitcoin to learn more.

PayPal initially announced support for Bitcoin in September of 2014 using a partnership with Braintree, confirmed within the SEC filing from April 2015. (Also worth mentioning: eBay initially purchased Braintree in 2013. Using the approaching split, Braintree will come under a brand new entity known as PayPal Holdings, that will oversee eBay’s payments segment from the business.) Furthermore, PayPal has partnered with three major Bitcoin processors: Coinbase, BitPay and GoCoin.

What Bitcoin Acceptance Method for Retailers

The takeaway is the fact that PayPal, clearly among the greatest names in online payments, clearly thinks that Bitcoin may be the coming trend. Let’s take particular notice at what it really method for retailers, whether you possess an online shop, a brick-and-mortar location, or both.

Who Controls Bitcoins

Banks don’t control Bitcoins like they are doing other currency. Actually, Bitcoins are unregulated, that is a benefit: Not one institution controls the woking platform, and thus unlike national currencies, a financial institution simply can’t print more (resulting in devaluation and perhaps inflation).

Bitcoin can also be semi-anonymous. Every transaction is distributed to some Bitcoin address and put into an open register (known as the blockchain), but the master of that address isn’t known. You are able to setup multiple Bitcoin addresses, further obscuring your data. This is actually the Internet we’re coping with, which means you should absolutely learn on how to safely handle Bitcoin payments and safeguard yourself.

However, though, additionally, it means there isn’t any way of recovering Bitcoins in fraudulent transactions. It’s like cash in this way (except, obviously, that Bitcoins don’t really possess a physical form). And Bitcoins aren’t safe from cost fluctuations, either. By penning this, just one Bitcoin is equivalent to $236.61 U.S. dollars, but prices spiked greater than $600 within the summer time of 2014, have arrived at $1,100 formerly.

Payment Charges

Among the key benefits of Bitcoin is always that the payment processing charges tend to be, reduced than individuals assessed by banks along with other institutions. In some instances, there aren’t any transaction charges whatsoever.

However, that’s a specific item if you use the Bitcoin network, no intermediary like PayPal or Braintree. In September, Coinbase announced on its blog that retailers using Coinbase via Braintree to simply accept Bitcoins would pay a set 1% fee — which continues to be a great deal under the two.9% + $.30 normally assessed by PayPal and Braintree.

If the transaction charges are going to remain low (or nonexistent) as Bitcoin gets to be more popular remains seen, however if you simply have knowledge about Bitcoin and transaction charges, we’d like to learn about it! Drop us a line within the comments.

Time for you to Process Transactions

Because Bitcoins aren’t controlled like other currency, time to process transactions is shorter — nearly immediate in some instances. You are able to send money in one continent to a different within ten minutes, for much under a wire service with no worries about frozen funds. PayPal works nearly immediately too, causeing this to be an excellent fit for retailers who would like their cash immediately.

Mobile Payments and Bitcoin

An advantage of Bitcoin being digital is the fact that it’s perfectly suitable for mobile apps. For those who have a Bitcoin wallet application installed, you are able to send money or make payments utilizing a QR code or NFC. Which means retailers whose systems are established to handle both Bitcoin and mobile payments can readily accept payments at brick-and-mortar locations plus online stores.

The way forward for Bitcoin

In the realm of retail, PayPal’s Bitcoin integration means merchants convey more payment options with almost no try to do on their own part. However, PayPal (by extension, its subsidiary Braintree) is way from the only method to accept Bitcoin. Actually, Stripe, Shopify and Square all offer Bitcoin integration. Menufy, a web-based ordering system for restaurants, also enables restaurants to simply accept Bitcoin.

Like a number of other technologies, like mobile wallets, NFC, and beacons, Bitcoin continues to be hovering around close to digital scene for quite some time. There are many proponents who choose what Bitcoin means — namely freedom by means of a really digital, mobile presently. It certainly has the ability to alter the way we consider spending cash on the internet and e-commerce generally. But at this time, it isn’t prevalent.

That certainly looks going to change. Much like Apple finally backing NFC payments with Apple Pay has resulted in an uptick in mobile payments, PayPal offering Bitcoin integration may be the catalyst that pushes Bitcoin in the forefront on the web stage.

Melissa Johnson

Melissa Manley is definitely an independent author and editor who loves e-commerce, internet marketing, technology, and social networking. Not so long ago, she earned a journalism degree, but she continued to uncover that they could work at home, researching, editing, and covering the items she found most fascinating. When she’s not associated with her laptop, Melissa usually can be based in the kitchen, studying a magazine, or doing something from the nerdy persuasion.

Melissa Johnson

“”

Searching in the Sell On Etsy Mobile Payments Application

I spend considerable time at conventions and humanities-and-craft fairs, helping a buddy sell her merchandise. It’s a great chance to satisfy other vendors and talk shop, which isn’t only a great resource of suggestions for new merchandise, but additionally a great way to compare notes regarding how to run a business.

That’s just how I discovered about Etsy’s branded card swiper. Among the vendors in an event had one of these simple vibrant orange special gems. I was intrigued, therefore i put down for more information.

What’s Etsy?

Etsy is definitely an online marketplace focusing on vintage products, homemade goods (costumes, jewellery, clothing, interior decor) and crafts and arts. It was once solely for hand crafted goods and craft supplies, consider 2013, Etsy has permitted mass-created goods, that has upset some sellers because they’re now rivaling cheaply manufactured mass created goods. Management claims it is not the situation, however, many sellers were — and still are — unhappy with how occasions performed out.

Nevertheless, Etsy hosts greater than 1.4 million sellers and almost 20 million active users, with revenues just shy of $200 million.

Among the big advantages of selling on Etsy is having the ability to setup your personal shop having a URL around the Etsy domain. It’s a great deal simpler than building your personal store online, particularly if you aren’t particularly tech-savvy, and also the Etsy name gives you some credibility. (That stated, Etsy may also suspend or close your shop without any warning whether it thinks you’ve violated its policies, and there is not much that you can do about this. This will help remind you of complaints against Square.)

An additional advantage to selling on Etsy, if that’s your niche, may be the listing charges: just $.20 per listing and three.5% per transaction. That’s much better than eBay, that charges 10% from the final value, or perhaps Amazon . com, which charges even greater charges than that in line with the product type you sell. Amazon . com also doesn’t presently possess a craft or niche marketplace, though we all know that it is a minimum of thinking about a Hand crafted at Amazon . com platform.

In comparison, let’s say you sell by yourself site, your charges is determined by which payment method. PayPal Here charges 2.9% plus $.30 cents. On other platforms, for example BigCommerce and Shopify, vary based on which plan you select. You might only pay a regular monthly fee (between $14 and $80 monthly, or even more), or else you may pay a regular monthly fee along with a transaction fee, which may be as low as 1.5% or around 2.9%.

The Way The Card Readers Works

Based on Etsy, in regards to a third of their sellers don’t just sell online — like me and my pal, they attend conventions, craft fairs, along with other occasions as vendors. Prior to the Etsy readers, that meant these sellers needed to depend on Flint, Square or PayPal Here to simply accept charge card payments, or work on a money-only basis.

Etsy’s readers works exactly the same way as other mobile card readers: open the application with an Android or iOS device, plug the readers in to the headphone jack, and go into the necessary info. It’s all pretty straightforward.

The credit card reader is directly built-into your Etsy store. Rather of just punching in the quantity of a purchase, you are able to select something that has already been indexed by your store, and Etsy will instantly update the inventory. You may also just enter a sum if what exactly the same thing isn’t listed online.

All the sales created using the credit card readers count toward your Etsy sales. Customers who buy personally may also make you reviews for the Etsy store.

But the good thing may be the rates: Card swipe charges are simply 2.75% per swipe — that’s exactly the same cost as Square. (PayPal is 2.7%, for that record Flint is 1.95% for debit or 2.95% for credit.) Manual records using the Etsy readers are simply 3% plus $.25, when compared with 3.5% + $.15 for Square and PayPal manual records. The normal Etsy transaction fee, 3.5%, doesn’t affect goods offered personally, which means you cut costs.

Obviously there are lots of features provided by other apps the Etsy application doesn’t have, for example invoicing, coupons, discounts, QuickBooks integration, etc. However for someone already using Etsy or searching for any simple all-in-one solution for selling hand crafted products, it’s virtually unbeatable.

There doesn’t seem to be any kind of needs to get qualified for any readers, for example getting a collection quantity of sales. The application itself, known as Sell on Etsy, is free of charge to download from Google Play and also the iTunes Store.

The reviews on the internet Play are promising: a 4. across greater than 2,300 ratings. The iTunes comments are less glowing. The newest version does not have enough reviews to show a rating, however with all versions combined, it features a 2-star rating from 790 reviews. Many users complain of glitches and crashing within the newest form of the application, but Etsy has had time to reply to a number of these complaints.

The money out of your in-person sales are put into your Shop Payment account and it is transferred to your money every Monday (unless of course you request payment sooner). In PayPal, your money is available quickly, as well as in Square they sometimes take 1-2 working days for that transfer to undergo.

Also, Etsy’s readers is presently only accessible within the U.S., though Etsy claims it intends to expand the service.

If You Work With the Etsy Card Readers?

Etsy is offering competitive rates on its card readers, which is ideal for sellers. The truth that it waives its online transaction fee is unquestionably a motivation, much like the rest of the features you’ll get in the Etsy branded readers. I love that there’s a listing integration, especially, since keeping inventory could be a discomfort.

That stated, Etsy isn’t a industry for everybody. Despite the onslaught of mass-created merchandise, it’s still largely referred to as the site to visit for hand crafted goods and crafts and arts, so you have to be sure your goods match that image. Etsy also provides extensive risks, and also you don’t always have lots of control of what goes on for your store. That’s a large problem if this sounds like your sole or primary supply of earnings.

The Etsy branded readers is actually only an attractive option should you already sell on the website and therefore are pleased with your merchandise. For those who have intends to open your personal store beneath your own domain (and you ought to, especially if you wish to scale your business!), you’re most likely best choosing another mobile card swiper. You are able to compare our top-reviewed services here. Or check out some tools to construct your personal simple selling website here.

And even if you’re pleased with Etsy, make sure to support your data, from product photos to descriptions, prices, and purchasers figures, somewhere secure.

If you are a new comer to accepting charge card payments on the mobile phone, take a look at our comprehensive guide. If you’re thinking about creating a web-based shop on Etsy or any other platform, we encourage you to check out our shopping cart software reviews and compare services.

That stated, this Etsy-branded card readers could alter the game for online sellers who should also sell personally. Can we see more branded readers later on? Maybe. It’s certainly worth keeping watch.

Melissa Johnson

Melissa Manley is definitely an independent author and editor who loves e-commerce, internet marketing, technology, and social networking. Not so long ago, she earned a journalism degree, but she continued to uncover that they could work at home, researching, editing, and covering the items she found most fascinating. When she’s not associated with her laptop, Melissa usually can be based in the kitchen, studying a magazine, or doing something from the nerdy persuasion.

Melissa Johnson

“”

Basecamp Versus Smartsheet

Basecamp-vs-Smartsheet

When individuals consider project management software tools, Basecamp is frequently the name you think of. This straightforward task keeper is among the earliest and many popular programs available. With more than ten years of success and most 9,000,000 current users, it’s easy to know why Basecamp takes place as the defacto standard for project management software.

Miracle traffic bot was produced in 2003 by Jason Fried, Carlos Segura, and Ernest Kim of 37Signals, an internet design talking to firm. Initially, Basecamp offered like a temporary means to fix their own project management software needs. Based on Fried, “As we began getting busier we wanted an easy method to handle our client projects. We searched at that which was available on the market, attempted out a couple of options, and felt dissatisfied using what we had.Inches The 3 men soon started design with an new project management software tool. It labored very well for 37Signals they made the decision to produce Basecamp to everyone in 2004. It didn’t take lengthy prior to the software started to usher in more profits compared to original business 37Signals soon switched gears and made the decision to concentrate solely on developing and marketing Basecamp.

Basecamp is really as fundamental because it will get, but it’s popular for any reason. This straightforward task manager is remarkably intuitive and processes wonderful. Additionally, it posseses an impressive quantity of third party integrations. Not everybody uses a simple, user-friendly tool, though. Many companies require a project management software system with a little more meat on its bones. Basecamp can be a paragon of ease of access, however for complex features and greater functionality you’ll need something similar to Smartsheet.

Smartsheet is really a unique project management software software with different spreadsheet model. It’s, for insufficient a much better term, Stand out on steroids. As project management software software goes, Smartsheet has gone out-of-the-box. A veritable Swiss army knife of functionality, Smartsheet combines interactive spreadsheets with fundamental project management software functions, web forms and templates, and ingenious crowdsourcing abilities. Like a full-package project management software solution, miracle traffic bot requires a little more understanding and training to make use of than Basecamp. Presently, Smartsheet may be the software preferred by countless users worldwide. Because it arrives with an array of features and it has a unique concentrate on spreadsheets, it’s acquired an assorted subscriber base, from educational institutions and non-profits to Fortune 500 corporations.

Basecamp and Smartsheet are generally proficient at task management, and both assistance to streamline inter-office communication. The similarities appear to finish there, though. Where Basecamp is straightforward and clean, Smartsheet is complex. Basecamp is obtainable and simple to understand, while Smartsheet requires intelligence, training, and some analytical ability.

Table of Contents

Web-Located or Licensed:

Both Basecamp and Smartsheet are entirely web-based.

Software and hardware Needs:

Since they’re located in the cloud, Basecamp and Smartsheet require users to have the internet as well as an up-to-date internet browser.

Prices:

Champion: Smartsheet

Basecamp and Smartsheet provide completely different services, so it isn’t shocking their prices systems are extremely distinct. Basecamp is centered on simplicity, and therefore, includes a simple prices structure. Plans start at $20/month (for 10 projects and 3GB storage) and go completely as much as $150/month (for limitless projects and 100 GB storage), though teachers could possibly get Basecamp makes up about free. There aren’t any per/user charges all plans include limitless users and limitless accessibility Basecamp support team. Additional storage can be bought anytime. Basecamp provides a generous two-month trial to individuals who would like to test the program before choosing. This trial is completely free and doesn’t need you to input charge card information. There’s little risk involved with subscribing because there are no lengthy term contracts and you may cancel anytime without any penalties.

In comparison, Smartsheet’s prices plans are structured around the amount of ‘creators’ on every account creators are admin-level users who are able to control the interface, generate new spreadsheets, etc. The Fundamental Plan’s least expensive, at $14/month for just one creator. They Plan costs $39/month and is made for use by no less than three creators. Enterprise Plans cost on the situation-to-situation basis, with respect to the quantity of creators and the amount of personalization. All plans include limitless collaborators, account users who are able to communicate with spreadsheets but don’t possess the capacity to create brand new ones. Non-profits, schools, and government departments will get preferred rates by registering to annual plans ($139/year for that Fundamental Plan and $399/year for that Team Plan). Really, any company or individual can be eligible for a a 17% discount off regular plan prices by registering for a yearly subscription. Plans might be upgraded or downgraded at any time over time, even when you’ve dedicated to a yearly subscription. Like Basecamp, Smartsheet provides a free trial offer from the software and doesn’t need you to input charge card information.

In my experience, the obvious champion here’s Smartsheet. Both companies offer comparable plans, however with Smartsheet you receive more features for the money.

Simplicity of use:

Champion: Basecamp

Basecamp trades on the truth that you can easily use, accessible, and intuitive. It’s project management software software at its purest: simple task tracking features bolstered up by email integration and file discussing. Basecamp is made to reduce effort and go ahead and take hassle from everyday chores, but it is not only the look which makes miracle traffic bot so user-friendly. There’s a million little extra touches that promote efficiency, like autosaving (always a existence saver for that absent minded worker), customizable notifications, and the opportunity to drag-and-drop tasks and files. Furthermore, Basecamp has had time to produce dedicated mobile phone applications for android and ios devices where you can function even if outside.

Nobody would endure Smartsheet like a shining illustration of user-ambiance, although it has numerous convenient features. To become fair, Smartsheet hasn’t claimed to become a rudimentary task management program. It’s a complex project management software solution having a steep learning curve, a effective tool that may help you focus less of energy on computer busywork. Smartsheet may lack Basecamp’s intuitive design, however it has great mobile phone applications for android and ios, drag-and-drop functionality, easy file attachment, and automatic notifications, along with a clever autofill function that looks for patterns within sheets. Any time you insert a brand new row and add data, Smartsheet references formulas within the surrounding rows and instantly fills in new information, even applying special formatting if required. Understandably, this selection is really a way to save time and something less factor you need to consider.

In the finish during the day, though, regardless of the number of convenient features Smartsheet pops up with, it should never be in a position to contend with Basecamp when it comes to user-ambiance. Making work simpler is Basecamp’s whole raison d’être. It wins the simplicity category, no contest.

Product Features:

Champion: Smartsheet

Basecamp includes a small group of features, though all are well-designed and practical. When establishing a new account, you begin by sorting people into groups (by department, location, etc.) and assigning them permissions. You’ll be able to begin to create projects and fill all of them with tasks or lists of tasks. It’s easy to create new templates from existent projects/tasks or directly copy tasks to a different project. Certainly one of Basecamp’s best features is the opportunity to use collaborative text documents, that are essentially virtual legal pads which coworkers can share ideas, sketch out rough project outlines, etc. Users also get access to personal and project-based calendars.

Like I pointed out above, Smartsheet is a kind of glorified Stand out. It’s a spreadsheet program which has rose above its station in existence and risen to new heights. Smartsheet is best-noted for offering a large number of pre-made templates and web forms that actually work for from marketing to event intending to budgeting. Generally, projects and jobs are managed via spreadsheets, that are fully customizable. You may create new cells or rows, add personalized formulas and conditional formatting, attach files, as well as link several cells together, a procedure which enables you to definitely roll-up information from the 3 sheets. Smartsheet offers fairly thorough reporting features and lets you generate custom workload views (each sheet may also be seen as an calendar or perhaps a Gantt chart). Additionally, it has robust resource management tools that enable you to track the workload of every worker.

Since it’s name indicate, Smartsheet is simply that – smart. You need to be reasonably intelligent to setup and employ Smartsheet, however the efforts are well useful. It’s so customizable and may achieve this much when it comes to reporting and resource management it blows Basecamp’s features from the water.

Integrations and Add-Ons:

Champion: Tie

Both Basecamp and Smartsheet have committed to a lot of integrations. Basecamp offers a large number of add-ons, apps, and integrations, including (but in no way restricted to):

  • Tick
  • Paymo
  • Harvest
  • Chrometa
  • Centreli
  • Hojoki
  • Zapier
  • Project Viewer
  • BusyFlow
  • Backdrop
  • BugHerd
  • Bidsketch
  • SupportBee
  • 88 Miles
  • Paydirt
  • Freckle
  • LessAccounting
  • Time Physician
  • Workstack
  • BigBoard
  • DashStack
  • easyBI

Additionally, developers who would like to design their very own third party integrations may use Basecamp’s API. Get more information at more details.

Smartsheet also includes many integrations, including:

  • Google (Google Apps, Google Drive, Google Chrome, etc.)
  • Box
  • Salesforce
  • DocuSign
  • Evernote
  • Harvest
  • Mailchimp
  • Marketo
  • AppsGuru
  • Jira
  • Zapier
  • 123ContactForm
  • Centrify
  • ClicData
  • Bitium
  • Klipfolio
  • Easy Insight
  • Okta
  • OneLogin
  • Meldium
  • PingOne
  • Tools4Ever
  • Tableau

You will find others too and much more being added constantly, so for an entire list, click the link. Smartsheet also provides a wide open API to ensure that users can design their very own integrations.

Customer Support and Tech Support Team:

Champion: Tie

Basecamp and Smartsheet offer comparable amounts of customer care. Basecamp gives tech support team to any or all subscribers using a support request form, as well as provides numerous self-help tools as an FAQ, instructional articles, databases, cheatsheets, video lessons, along with a blog. Basecamp is definitely an American-based company, so all the training material and content is designed in obvious British. The recording tutorials are short and sweet – 2-10 minutes lengthy typically – which help with everything else from establishing your bank account and creating projects to presenting 3rd-party integrations. Basecamp also offers an excellent social networking presence its Twitter feed is monitored carefully during business hrs, and repair reps are quick to reply to questions and answer tweets.

Smartsheet provides a number of customer care options too, including email support, live webinars, video lessons, in-application tips, and instructional articles. Subscribers towards the Enterprise plan also receive dedicated technical account managers. Like Basecamp, Smartsheet is American-based and it has well-written, clear to see help articles. The recording tutorials may also be useful, but remember that they’re fairly dry. Smartsheet provides a Facebook page for convenient use of press announcements, blog entries, and software updates, and a few people make use of this site to inquire about a quick question and/or check up on the status of bugs or temporary software issues. Smartsheet’s Twitter feed includes a similar focus, although it is much more heavily focused on supplying status updates.

Negative Reviews and Complaints:

Champion: Basecamp

Nobody’s perfect. Even if you’re coping with well-designed, high-level software, there will be bugs and complaints. Most people’s greatest trouble with Basecamp, apart from its frankly abysmal website, is its natural simplicity. If this all boils lower, Basecamp is task keeper, also it can’t do anything else. There aren’t any reporting features with no practical method to evaluate any project data. Basecamp also doesn’t permit resource management or issue tracking. You will get around these flaws by utilizing one of the numerous accounting/reporting/marketing integrations that Basecamp offers or designing a custom integration, however that needs time to work, effort, and cash. For a lot of companies, especially large ones, Basecamp just isn’t a possible option.

In lots of ways, Smartsheet really has got the opposite problem. For many users it’s almost too complex. Smartsheet comes with many different wonderful features and it has enormous possibility of analyzing data and tracking information, but to produce this potential you need to be pretty savvy. Basecamp is inside the achieve of anybody – as lengthy you may already know how you can switch on a pc and manipulate a mouse, you shouldn’t have difficulty. But Smartsheet requires critical thinking along with a keen knowledge of spreadsheet formulas, a minimum of just starting out of establishing a free account. Smartsheet also fails to deliver with regards to inter-office communication. Each sheet is commonly a global on its own. User activity is tracked sheet by sheet but there’s no real spot for managers to determine an extensive, up-to-date activity stream. This will make it very difficult for the best hands to determine exactly what the left hands can be, as they say.

Positive Testimonials and reviews:

Champion: Basecamp

Basecamp is among individuals programs that individuals love, whether or not they utilize it or otherwise. Within the project management software world, it’s the same as the lovliest girl on the market everybody wants it, everybody knows its name. Users rave about Basecamp’s speed, its simple, intuitive interface, and the amount of available integrations. It’s built its status during the last decade on the solid product and great customer service. Consequently, it’s the go-to task keeper for smaller companies worldwide.

Smartsheet, however, is among individuals love-it-or-hate-it programs. Individuals who claim it is great far outnumber the unimpressed, besides Smartsheet doesn’t receive the type of adulation that Basecamp enjoys. It’s somewhat too complicated to possess universal appeal. That stated, there’s a great deal to love about Smartsheet. Like Basecamp, Smartsheet could be integrated with quite a number of 3rd-party apps and integrations. So many people are also thrilled using the iOS mobile application, which functions wonderful, easily and efficiently. Smartsheet is flexible and talks to many needs inside a company, therefore it has won praise from diverse industries.

Final Verdict:

Champion: Smartsheet

It is not easy to select a general champion, mainly because Basecamp and Smartsheet are extremely different. Sure, they’re both affordable project management software systems with higher customer service, but as it pertains lower to actual features things obtain a little tricky. In the end, Basecamp and Smartsheet were produced for completely different target markets. It might be easy to compare apples and oranges, but what’s the purpose?

If forced to create a definitive statement concerning the two, I would need to hail Smartsheet because the conquering hero. Basecamp is made, well-designed software, but Smartsheet just provides more in nearly every way. To become obvious, I am not saying that it’s the superior choice in each and every situation. For many companies, utilizing a system like Smartsheet would certainly be overkill. Basecamp is clearly simpler to make use of (and simpler to obtain your employees to make use of), requires virtually no training, and can help you manage the heck from any simple task you throw its way. It’s a great option for small companies with limited project management software needs. But if you wish to have the ability to manage sources, evaluate data, export reports, and personalize your career management tool, you’ll need Smartsheet. Basecamp simply isn’t likely to work.

Julie Titterington

Julie Titterington is really a author, editor, and native Oregonian who resides in the gorgeous Willamette Valley together with her husband and 2 young children. When she’s not writing or testing software, she spends her time studying early twentieth century mystery novels, looking blankly at her iPhone, and continuing to keep her kids given, dressed, and comparatively uninjured.

Julie Titterington

Julie Titterington

“”

The Mobile-Plastic Dilemma

As payment technology—as along with payment liability law—advances, retailers will quickly be confronted with more and more complex POS transactions. These changes will affect not just mobile payments, but traditional plastic transactions too. Navigating the evolving payment landscape will show some costs in addition to potential advantages to retailers.

Hardware/Software Adoption

The mobile wallet market is still youthful and, like many developing sectors, it remains seen who definitely are left standing once the dust settles. And to be determined is whether or not customer behavior or store infrastructure will blaze the road forward.

Though and not the first company to supply phone-based near field communication (NFC) technology payments, Apple Pay has largely been considered the very first plan to apply significant pressure towards the retail world.

Apple Pay has, however, experienced an unexpected amount of resistance from retailers to date. The main critique is the fact that Apple Pay is much more of the charge card supplement than the usual substitute. To make use of the service, customers must link a charge card or bank card for their account. Which means all the interchange fees–typically between 1-3 % of every transaction–associated with processing plastic transactions still apply. In the outlook during the shop, the necessity to purchase NFC hardware represents yet another cost to allow a credit card applicatoin that entrenches the plastic economy.

If there is a wish list for the way retailers would rather conduct mobile payments, it most likely looks something similar to CurrentC. The creation of the retail alliance known as the Merchant Customer Exchange (MCX), CurrentC bypasses charge card companies, drawing rather in the customer’s linked banking account. Instead of NFC, CurrentC uses simple scan at POS having a comparatively low-cost scanner.

Here’s where it will get complicated. All of the parties involved are trying to leverage their position in POS chain to push their vision of mobile payments. MCX retailers, including giants like Wal-Mart, Best To Buy and CVS all declined to process Apple Pay hoping of steering customers toward CurrentC. A lot of individuals companies have experienced difficulty holding the road against public backlash while CurrentC gradually limps from beta. Best To Buy lately announced they could be accepting Apple Pay. On the other hand, Apple isn’t yet allowing other retail apps to utilize the iPhone’s NFC technology.

We are too visiting a classic VHS/Betamax fight happening before our eyes? Has Apple Pay and it is older-but-less-popular NFC counterpart, Google Wallet already won this fight?

Not always, but this will depend mainly upon just how much fragmentation customers are prepared to tolerate on the market. Apple Pay adoption continues to be slow. While CurrentC has little hope of strong-arming Apple Pay from the mobile payments business–-or perhaps from MCX stores—it could still lure shoppers with sales, loyalty points and other alike store-specific perks. Although this won’t put an finish to plastic’s stranglehold on non-cash transactions, it isn’t not reasonable to consider that could still convert a big part of individuals transactions to CurrentC.

A great situation study for the way a store might escape getting to set up NFC communicators at POS yet still be suitable for Apple Pay may be the Starbucks application. The app’s 12 million-plus users get access to rewards, membership perks and mobile payments via bar code scan. The application doesn’t cut plastic from the loop, however. Users can load their virtual gift certificates with credit, debit or Apple Pay.

CurrentC’s window for creating maximum impact within the retail world may rapidly be closing, however. By April 2015, only 20 % of iPhone users had upgraded to some NFC-compatible phone. The rest of the 80 % don’t have access yet get access to Apple Pay. Hooking individuals customers with an excellent retail application may likely increase the likelihood of individuals customers re-installing when the time comes to upgrade.

Security Issues

Before referring to mobile payments, let’s be obvious about one factor: plastic may not be secure, specifically in America. The U . s . States is among the couple of nations to make use of magnetic strip reads at POS as opposed to the more-secure nick and PIN combination favored elsewhere. Which will alternation in October 2015, whenever a liability shift happens, departing retailers who neglect to upgrade to EMV technology responsible for any fraud that can take put on cards fitted having a security nick. Considering that charge card fraud is really a $10 billion ‘industry,’ not upgrading represents a substantial risk.

The safety of mobile payments is similarly determined by the idea of user-authentication at POS, but lacks an assured physical security feature such as the EMV card. Apple Pay tries to circumvent this by not storing any charge card data around the device or Apple servers, but fraudsters have previously exploited the weak link along the way: grabbing charge card information once the initial account link is to establish. When the fraudulent account is produced, it might be exceedingly simple to use it at POS since cashiers never handle an actual card.

QR code apps might be much more vulnerable. CurrentC, which collects user data, was already hacked. The Starbuck’s application protects charge card information with simply an easy user ID and password.

For much better or worse, it’s likely both mobile and plastic payments is going to be around well in to the near future. Unless of course you’re dealing solely in cash, the alterations both in payment types strongly indicate the necessity to replace aging POS hardware with units outfitted with EMV and NFC technology.

Chris Motola

Chris Motola is definitely an independent author, journalist, programmer, and game designer that has mastered the skill of using his laptop in no less than 541 positions, many of them unergonomic. When he isn’t pushing keys or swiping screens, he’s most likely out exploring urban or natural environs, experimenting in the kitchen area, or delighting/annoying his buddies together with his ideas and theories.

Chris Motola

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What’s Enterprise eCommerce Software?

enterprise ecommerce software

To put it simply, enterprise eCommerce software programs are software that enables large organizations to market online. The Finish. Just kidding! There’s a little more into it than that. For just one, today’s enterprise commerce solutions aren’t just for multi-million-dollar corporations — not even close to it. Since most software programs are cloud-based and completely scaleable, eCommerce solutions like Shopify Plus are thought enterprise software, despite the fact that lots of small companies use Shopify, too.

In the following paragraphs, we’ll take particular notice at enterprise eCommerce software and assist you in finding out if one of these simple solutions might work with your company.

Are You Currently an “Enterprise” Business?

Being considered “Enterprise” has hardly any related to the amount of employees you’ve, the amount of customers offered, or perhaps your internet revenue. These could be fair indicators, when you are a company has more details on the dwelling of the business.

You may be a company if…

  • You are offering several type of service or product for your customers
  • The different departments of the business make use of the same…
    • Pool of monetary sources
    • Pool of technical sources
    • General management team

In case you really would like to get technical, the majority of retail companies might be considered enterprise-sized if their annual revenue exceeds $7.5M. (This can be a very general example, not supposed to have been utilized as a metric.)

What’s Enterprise Software?

This can be a bit simpler to define. Enterprise software, also referred to as Enterprise Software (EAS), is usually an application system made to serve the varied needs of a big business. EAS brings each department under one umbrella, enabling a far more seamless communication platform. 

Enterprise software supplies a centralized, company-wide solution for accounting, eCommerce, order processing, or other business need (or combination thereof). This kind of software programs are suitable for multi-location/multi-server companies, and it is cost has a tendency to reflect the bigger budget of “enterprise-sized” companies.

This kind of software might be cloud-located or installed, or perhaps a hybrid. All the major eCommerce Enterprise software programs are cloud-based, however.

Types of enterprise software:

You will find all kinds of enterprise software made to handle diverse tasks varying from order processing to crm. Consider the main focus want to know , is on enterprise eCommerce software, I’ll provide you with some eCommerce types of enterprise software:

What Enterprise eCommerce Software Does

When eCommerce software – also known as “Shopping Cart” software – graduates in to the enterprise arena, several important perks are usually incorporated.

  • Offers unlimited everything (quantity of products, product variations, online storage, bandwidth, traffic, etc.) 
  • Includes premium web features like custom SSL certificates, SSO (single sign-on, in which a single login provides you with use of several service), and Google Reliable Store tags
  • Order and inventory management
  • Payment gateways convey more competitive rates and charges
  • Multi-funnel and multi-store features
  • Integrated Reason for Purchase (POS) features
  • Crm (CRM) features
  • Personal account managers, assisting in training, and tech support team

“White Glove” Customer Care

Among the main reasons to choose a company plan’s the high level of customer and tech support team incorporated using this type of package. Most eCommerce developers provides you with a passionate account manager who will help with such things as onboarding assistance, demos for the team, and priority tech support team. 

Enterprise eCommerce Software Scalability

Enterprise-level software is made to become a fundamental element of your company regardless of how much it grows — consider it as being a framework that may support any weight.

When I pointed out earlier, the scalability of contemporary cloud-based (web-based) software means which you can use some edition of eCommerce software even when your company is closer in dimensions to some lemonade stand than to Zappos. For instance, having a solution like Shopify or Magento, bigger companies rich in sales volumes will most likely pick the “Plus” or “Enterprise” package, while a startup will choose regular Shopify or even the Magento Community Edition.

When compared with starter editions of eCommerce software, enterprise-level plans are specifically scaleable — that’s, suitable for fast-growing companies — because they typically allow unlimited products, bandwidth, and support, letting your resource usage expand as big as the business grows. 

Seamlessly Integrated Systems

Enterprise eCommerce software can help you unite all of your business’s departments, making everything run smoother. For instance, CRM functionality aids the HR and marketing departments, while inventory control features inform the warehouse, S&R, and offer chain departments, and integrated POS systems provide the sales teams better tools for everyone the client.

These functionalities aren’t always absent in lower plans, however, an enterprise plan is about scale, so things are included at as high an amount since you need.

When all of these functions are under one software roof, your important business information is updated in tangible-time and you may avoid the glitches that often occur when attempting to integrate disparate software systems.

Enterprise-level API

Though enterprise-level software suites are usually created with a single developer, API integrations for third-party developers can extend the functionality to satisfy highly customized needs.

Types of eCommerce API integrations:

Global wholesale sourcing

E-mail marketing

Shipping

You may also make use of an API to integrate your company eCommerce solution with whichever Enterprise Resource Planning (ERP), accounting software, CRM, or any other software your company already uses. (Note that most CRM functions are nearly always incorporated only at that degree of eCommerce software, but importing your computer data out of your previous CRM option would be usually super easy.)

Conclusion:

You have been neighborhood. You will know you can’t make major decisions in line with the “guess and check” method. You’ll need a solution you will not outgrow, one which won’t hinder preserving your loyal subscriber base or perhaps your corporate identity. Quite simply, you are prepared to accept leap into a company-sized eCommerce solution.

While you take a look at software options, make contact with someone each and every company who are able to show the terms for his or her enterprise search engine optimization. Most shopping cart software providers won’t have qualifications that you’ll want to satisfy, but it’s still smart to contact somebody that can assess your company needs and put you in contact with the proper group of features, in the right cost.

Take a look at our shopping cart software comparison to determine how various eCommerce software programs like Shopify and Bigcommerce compare.

Shannon Vissers

Shannon is really a freelance author and editor located in North Park, CA. Shannon type of wants an apple iphone 7, but she’s not necessarily prepared to lose the headphone jack.

Shannon Vissers

Shannon Vissers

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How to find a POS System for the Food Truck

A vector illustration of people in food truck festival

Table of Contents

Why Would You Use A POS System Whatsoever?

Because the legendary and traditional providers of quick, satisfying grub to builders and remote work crews, food trucks (as well as their cousins, bustaurants, food carts, and kiosks) have been in existence forever. However, during the last couple of years the standard food truck is growing in recognition. Nowadays it is not unusual to determine hordes of individuals wait for hrs for one taste of the authentic falafel or Parisian-style savory crepe. Food trucks have grown to be both a social networking phenomenon along with a chic place to go for hipsters and foodies nationwide consequently, many ambitious entrepreneurs and chefs are forsaking brick-and-mortar eateries and sinking everything they own right into a food truck business.

It isn’t surprising that a lot of people want to obtain the experience, thinking about that Americans are forecasted to invest nearly $1 trillion at food trucks this season, however, many new food truckers are sadly to ocean with regards to really building a effective business. Financing a truck, purchasing the proper permits, marketing, ordering inventory – they are overwhelming tasks. So overwhelming, actually, that individuals forget to consider the significance of a efficient point-of-purchase (POS) system. Others consider purchasing POS software, but figure that it is unnecessary because of the small staff typically required to operate a food truck. Good ol’ paper and pen should work fine, they reason, I’m able to write lower orders on the legal pad and tally everything up in the finish from the month. Why must I throw away cash on fancy POS equipment?

Why indeed? Well, to begin with, it’s the twenty-first century. We have cars that drive themselves and nearly sentient phones. Paper and pen might have labored well previously, however in our technological age customers expect something better (and thus will the IRS, for instance). Furthermore, if you are sticking with old ways and staying away from POS software to remain ‘off the grid,’ you need to take a step back and think just a little. Managing a mobile restaurant isn’t the the obscure niche profession it was once food trucks are mainstream now, and definitely around the government’s radar. This method may permit you to temporarily keep the transactions underneath the table, but John Law is likely to meet up with you ultimately. With no accurate records and meticulous bookkeeping that the POS system provides, you can finish up losing your truck as well as your livelihood together with it.

POS systems will keep onto your nose clean, however they assist in other, more tangible ways too. They are utilized to assist with cash and card transactions, generate receipts, manage employees, clock time, count inventory, and simplify bookkeeping. Thinking about how effective scalping strategies could be, if you are searching to save cash, skimping on POS software/hardware may really be counterproductive. With no good system in position, you’re prone to spend your time on menial tasks and forget inventory and funds. Additionally you improve your chance of being cheated by employees.

Exactly What Do You Need From The POS System?

Food trucks give a unique service. As a result, they deserve unique POS systems, specifically created for the requirements of a mobile restaurant. Heavy-duty POS software is ideal for sit-lower establishments, however for many food truckers a complete-featured product is just overkill. Its not necessary to handle wait staff, in the end, or coordinate seating plans, or boost communication between your kitchen and also the diner. It’s essential to consider that which you don’t need from the POS system, and it is essential to think about precisely what you do need. To achieve success like a food truck owner (and steer clear of opportunistic robberies) you have to so that you can store cash efficiently having a secure and well-designed register. That stated, we reside in an more and more cashless society, if you shouldn’t lose out on business – especially in the more youthful generations – it’s also wise to have a great way to process credit/an atm card, accept mobile payments, as well as allow people to pay with less conventional means, like PayPal. Make certain that the payment processor/card readers isn’t determined by a web connection and could queue up payments even if disconnected from Wi-Fi.

With respect to the size and success of the business, it’s also wise to you should consider features like reporting and inventory management. Reporting tools are specifically important. The meals truck existence might be great – place lower in which you want, stay as lengthy as you would like, and proceed to greener pastures – but profits for that mobile food industry are notoriously low experts estimate a profit of just 10%. By analyzing sales reports along with other statistics, a higher-functioning POS let you know why, when, where you’re loss of blood money, which help you improve your income so that you can continue truckin’. Some POS systems even integrate directly with social networking (like Twitter), which help they are driving your marketing too.

POS systems is often as fundamental as you would like these to be, and ease is paramount to some well-run food truck. However, when selecting your software, don’t result in the mistake of going too simple, or else you will lose out on some amazing, time-saving functions which have the possibility to transform your company. Before registering for a POS service or purchasing software, think about these questions:

  • Would you like to have the ability to create invoices?
  • Are you able to rely on getting Wi-Fi in each and every location you park your truck?
  • Are you issuing coupons or gift certificates at any time?
  • Would you like to generate a customer loyalty program or rewards system?
  • How would you be handling tips? Would you like to give customers the choice to include electronic gratuities?
  • Would you communicate orders verbally together with your prepare/sous chef, or do you want to have the ability to print tickets?
  • What size may be the company serve? Would you like the opportunity to instantly calculate different tax rates?
  • In the event you give employees the opportunity to clock out and in? Would you like to have the ability to track orders by worker?

If the solution to these questions is absolutely, you need to locate a high-functioning restaurant POS (like Revel, for instance) that has been especially created for use within food trucks. In case your initial response to the questions ended up being to scoff or consider how lazy people could be, i then counsel you to stay using the simplest POS system you’ll find, or simply make use of a payment processing program like Square. Not everybody may benefit from bonus features like the opportunity to issue coupons, but they may be effective tools when used correctly.

POS Hardware Basics

Regardless of how advanced or sophisticated your POS software programs are, it isn’t worth anything unless of course you will find the right hardware. Really! Consider it- even when your POS system could speak with customers and take orders (all while walking a tightrope and cracking wise using the folks lined up) it wouldn’t be particularly helpful should you didn’t possess a working register, a card scanner, along with a receipt printer. Sure, people might originate from miles around to determine “The Amazing POS” perform a classic stand-up act and perform dying-defying stunts, but when they’re not buying your gourmet hotdogs while they’re there, then what’s the purpose?

Just like POS software, the POS hardware you’ll need depends positioned on the dimensions and success of the business. Obviously, there’s a couple of basics every food truck owner should purchase, presuming you aren’t doing all of your bookkeeping having a Magic Marker along with a notepad or taking cash underneath the table (don’t!). If you’re utilizing a merchant processing program like Square instead of a POS system, then all you actually need is really a mobile phone (an iPad or iPhone, for instance). For additional traditional software, whether it provides a standard all-in-one touchscreen or perhaps is aimed at modern restaurant iPad POS systems (probably the most popular choice with food truckers), you’ll require a cash drawer along with a card swiper or, preferably, some kind of mobile card readers. Receipt printers aren’t an absolute must have – the number of individuals need to help keep records of the taco purchases, seriously? – however they comes in handy. Inevitably, you’ll have a minumum of one uptight customer who requires a receipt and it is angry whenever you hands them a sticky note.

Keep in mind that any equipment you purchase needs so that you can endure the sometimes harsh atmosphere of the food truck. I understand I’m preaching towards the choir about this one. Nobody knows much better than a food truck owner/chef how hot, greasy, and usually disgusting it may return there. Keep in mind the ubiquitous oily film that covers your clothes and hair may also cover your iPad and card scanner, so make certain to purchase protective covers/pads if at all possible, particularly if the food is mainly fried. For additional recommendations on selecting appropriate POS hardware and becoming the very best deals you are able to, take a look at my blog here.

Final Ideas

The meals truck industry could be a hard mistress, so have every chance to begin around the right feet. Choosing the proper POS system and hardware can often mean the main difference between becoming the following Roy Choi or watching your truck be repossessed. No matter whether you’re hawking calf’s liver or caviar, whether you’re around the busiest street in San antonio or on the lonely road somewhere within the Midwest you cannot succeed unless of course you’ve got a viable strategic business plan and also have organized, grounded, and built-your food truck around the strong first step toward a competent POS system.

POS software provides you with the choice to record and look at data, accept a number of payment types, coordinate your Twitter campaigns, and manage the employees. Over time, trust me, several things are simply more essential than getting hipsters to blog regarding your food or staking the best automobile parking space. Consider getting going, discard that pad of paper as well as your ballpoint pen, and look for our website for reviews of the best iPad, restaurant, and retail POS software around. Best of luck for you all, and could the gods of street food be around you.

Julie Titterington

Julie Titterington is really a author, editor, and native Oregonian who resides in the gorgeous Willamette Valley together with her husband and 2 young children. When she’s not writing or testing software, she spends her time studying early twentieth century mystery novels, looking blankly at her iPhone, and continuing to keep her kids given, dressed, and comparatively uninjured.

Julie Titterington

Julie Titterington

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