How to Use Square for Recurring Payments And Invoices

Subscription-based business models seem to be everywhere these days. Emerging wine clubs, personal care-in-a-box subscriptions, wardrobe-of-the-month sites — even supporting a favorite podcast! Clearly, these types of businesses are finding success as people jump into subscriptions to save money, time, or just for the fun of getting a box in the mail. And it’s not just cheese-of-the-month clubs anymore. Software as a Service (SaaS) subscriptions are booming in both business and personal markets. This environment is ripe for subscription business models, but you need the right tools to process recurring payments while protecting your business from security risks.

Of course, businesses that serve a local market with more traditional recurring products and services like gyms, childcare, or home improvement services also rely on recurring payments for their revenue stream — whether that’s automatically charging a credit card or manually sending an invoice.

Choosing a payment processor for this type of business is not a light decision, so let’s take a look at what Square has to offer in terms of solutions geared for the recurring payment model.

How To Set Up Recurring Payments With Square eCommerce

If you are about to launch an eCommerce subscription-based business or you are looking for a different payment processing setup than the one you have, Square should be on your radar. While Square doesn’t provide complete “out-of-the-box” solutions for eCommerce businesses, they offer three main options for you to get your shop live, with some flexibility under each.

Square Payment Form and Transaction API:

If you are a developer or have the in-house developer support, you can create a custom payment experience that resembles the rest of your site. That means you can save a card on file using the Square Payment Form and set up recurring billing using your own subscription logic. Square also has digital wallet support so you can add Apple Pay, Google Pay, or MasterPass for faster checkout. Here’s more information directly from Square if you opt to embed the payment form:

Square Payment Form provides secure, hosted components for payment data like card number and CVV, while enabling you to make it your own. It’s designed to help buyers enter their card data accurately and quickly. Card data is collected securely and tokenized, never hitting your servers, so you don’t have to worry about PCI compliance.

Pre-Built Workflow:

When you integrate Square Checkout, you can save a card on file safely, and you won’t need as much developer knowledge. This solution is a pre-built workflow that includes digital wallet support, and it’s all hosted on Square’s servers. You won’t have as much wiggle room in regards to customization, but it’s still going to give you a fast, streamlined checkout experience. Square provides a technical reference guide to assist you in building what you need, including setting up recurring billing.

Choose An Integration:

If you want a simpler solution that doesn’t require coding or technical expertise, a plug-in may be just the ticket for you to get up and running quickly. Of all the options available within the Square Dashboard, Chargify jumps out because it seems to offer everything a subscription service would need. According to Chargify:

Chargify bills your customer’s credit card on whatever schedule you define. In addition to processing one-time and recurring transactions, Chargify can handle free trial periods, one-time fees, promotions, refunds, email receipts, and even dunning (reminders for failed credit card payments) management.

Chargify plans start at $99 a month, but you can work your way up the scale when it comes to additional options. In general, Square plug-in selections abound, so you can shop to find the most promising solution for your business right from your Square Dashboard under Apps. Here’s a screenshot of a few options listed:

Square Integration Plug Ins

No matter which solution you decide on, you can rest assured that the burden of PCI compliance and security with payment processing sits on Square’s shoulders, not your own. And the free support you get from Square’s team if there is a chargeback issue also gives some much-needed peace of mind as well.

To find out more and shop eCommerce solutions, head to Square’s website and select eCommerce under the section, Software services to grow your business. If you want to learn more before signing up, read our post, The Best eCommerce Integrations That Work With Square Payments. And if you want to find out more about Square as an eCommerce solution in general, check out our Square Online Store and eCommerce Review.

How To Set Up Square Recurring Invoices

When you’re ready to set up a recurring invoice for your customer, Square makes it easy. You can create an invoice through your Square POS app or from the Square Dashboard. You can then set up the scheduling frequency of your recurring invoice, though you will need your customer to approve their card on file.

Whether you send a one-time or recurring invoice, enable Allow Customer to Save Card on File so your customer can approve. Then you’ll be all set for repeat billing.

Note: If you need to manually save a card on file from your Virtual Terminal at your computer, you’ll need to print out the approval form so your customer can sign it first.

Here’s a screenshot of what the setup looks like for recurring invoices within the Square Dashboard.

Square Recurring Invoice

With Square Invoices, you can also request a deposit, either due immediately or within a specific time-frame. So for you business owners that charge a sign-up or other set-up fee, you can seamlessly add in a deposit request and cover all the bases.

Getting Paid with Square Invoices

When your customer makes a payment, credit card payments update automatically in their invoice. Your customer follows the Pay Now prompt to enter their details and can also approve saving the card on file.

Did your customer send a check or pay you by cash? You can also record payment manually when you open up the invoice. If your customer wants to pay over the phone, you can process the amount on your computer through the Square Virtual Terminal located within the Square Dashboard. And finally, you can process in-person payments and apply them directly to the invoice by swiping, dipping, or tapping your customer’s card to your connected Square Reader. Just make sure you go into Invoices and apply the payment to the existing customer invoice.

Square Invoices (read our review) also makes it easy to track when your customer saw your invoice and any activity within the account. You can quickly send a message to follow up or edit the invoice any time from your Square Dashboard.

How To Use Square Installments For Invoices

Another solution that may boost sales is offering payment plans through Square Installments. Square Installments for Invoices finances the cost for your customer, so there’s no need for you to invoice repeatedly; instead, you are paid upfront and in full by Square. Square Installments is currently only available to select businesses, however. You’ll need to apply, and if you are approved, the Installments option automatically appears as a payment option on your invoices and Square POS.

When your customer chooses Installments (either via their invoice or your Square POS), they’ll apply directly with Square Capital at the time of the sale. If they are approved, the balance is reflected in your account. Also note that after the sale, Square Capital takes on the liability of the charge, so you won’t deal with collecting or processing payments. In fact, Square instructs any merchant to direct all questions or issues your customer may have with their installment payments to Square Installments directly. Find out more about it on our post, How Does Customer Financing Through Square Installment Work?

How Much Do Recurring Payments Cost With Square?

What is cheaper than Square?

Below is a breakdown of Square’s payment processing per transaction. When you crunch the numbers, keep in mind that you are getting an all-in-one solution as far as payment security with PCI compliance and chargeback support. Square doesn’t charge monthly service fees either, so what you see is what you get as far as costs go.

  • Invoice paid with card by customer: 2.9% + $0.30
  • Invoice paid with card on file: 3.5% + $0.15
  • eCommerce processing: 2.9% + $0.30
  • Square Installments for Invoices: 2.9% of the purchase price + $0.30
  • Square Installments at your Point of sale: 3.5% of the purchase price + $0.15
  • Square online payment API and SKIs: Free for developers to use + eCommerce processing fee
  • Plug-in apps integrated with Square: Price varies with each software provider

Should You Use Square’s Recurring Payments Tools?

Setting up recurring payments for your customers takes a little bit more forethought and prep than a one-off charge. However, Square makes recurring invoices accessible by offering a range of solutions for both eCommerce and brick-and-mortar shops.

As far as third-party processors and eCommerce go, Square offers similar solutions as its peers. In other words, you’ll likely need the help of a developer with any option you choose, including PayPal or Stripe — unless you opt for a plug-in app. That being said, Square enables you to get eCommerce up and running safely — whether that is through a pre-built workflow, easy integration with a plug-in app, or API developer tools. (If you do have the developer expertise and a bit more wiggle-room in your budget, it’s worth mentioning that Stripe affords greater freedom to customize the whole process, add advanced reporting features, and a lot more. But you can’t be shy with code!)

Still curious about Square? Why not give them a try and see for yourself? There is no fee to sign up and no binding contract required, so setting up an account may be the next step for you. You can also head over to our Square Review and read how it compares to the other solutions out there.

The post How to Use Square for Recurring Payments And Invoices appeared first on Merchant Maverick.

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Gator Website Builder Review: Pros, Cons & Alternatives

Gator Website Builder

HostGator is one of the best known brands in the website & hosting industry. They’re especially known for their shared hosting, building their reputation on good pricing, fast servers, and great service compared to other brands. While I’ve long used HostGator for website hosting, I recently gave their website builder software, Gator Website Builder, a try.

View Gator Website Builder Current Plans & Pricing.

But before I get into the pros and cons of my Gator website builder review, let’s dive into an overview of website solutions.

There are so many considerations to take into account when choosing a website builder — and really, there are a thousand ways to get what you want in the end in terms of functionality, convenience, pricing, etc.

The thing to remember is: whether you’re building a simple personal website or running a business, the way you build your site has a lot of consequences.

In the long-term, it affects your versatility, functionality, and, of course, your brand. In the short-term, it can certainly add/take away a lot of headaches. That said, just like choosing a physical house or office, there is no such thing as an absolute “best” or “top” choice. There’s only the right choice relative to your goals, experience, and circumstances.

What Is Gator Website Builder?

The Gator Website Builder is HostGator’s hosted website builder. HostGator has traditionally only provided domain names & hosting for other website software (like installing WordPress). Gator is their move into providing domain, hosting AND software in a single subscription.

So, on the wide spectrum of website building solutions, Gator Website Builder lives on the end that is hosted, all-inclusive, provides everything you need to get started and grow your website. It contrasts with solutions where you buy, install, and manage all the “pieces” of your website separately (ie, buying your domain name, hosting & installing software).

Using HostGator’s Gator Website Builder is sort of like leasing and customizing an apartment in a really classy development instead of buying and owning your own house. You’re still in control of decor, cleaning, and everything living-wise – but you leave the construction, plumbing, security, and infrastructure to the property owner.

That point is key because there’s usually a direct tradeoff between convenience and control. You can read more about what a website builder is and how it contrasts to web hosting here.

Everything may fit together just right with a website builder like HostGator, but that may or may not be what you’re looking for.

As far as competition, HostGator competes directly with all-inclusive website builders like Weebly, Wix, Squarespace, GoDaddy’s GoCentral and WordPress.com.

Compared to their direct competition, they focus on speed and convenience by offering everything you need to get your website up and running in just a few minutes. HostGator appeals to the non-developer community here (think DIY-ers who need to create a website without having tons of website experience or time to maintain self-hosted software).

One other quick aside – a disclosure – I receive referral fees from all the companies mentioned in this post. My opinions & research are based on my experiences as either a paying customer or consultant to a paying customer.

Pros of Using Gator Website Builder

Here’s what I found to be the pros of using HostGator’s Gator Website Builder — not just in comparison to direct competitors, but as an overall website solution.

Easy Onboarding Process

One of Gator’s best features is its onboarding process (AKA the process of getting up and running with Gator’s website software). There is typically a part of the onboarding process when you think, “okay… what do I do now?”

With Gator, onboarding is quick, simple, and straightforward. In just a few steps, you’ll have selected your plan, chosen your domain name, and picked a theme to create your website with — all without wondering, “Where the heck do I go now?”

Plus, Gator builds in education not only through email drip sequence, but through a simple, step-by-step tutorial that walks you through how to customize your theme and add content to your website.

Gator Tutorial

All-in-One Solution

Again, HostGator’s Gator Website Builder is an all-in-one solution, which means everything you need — from hosting to domain registration to integrations (more on that shortly) is included in the platform.

That means everything just works — there’s no figuring out if this app or extension is compatible or is going to break your site. There’s no troubleshooting or support needs outside of what they already offer. Even things like analytics are built into the platform.

Analytics Integrations

Spending less time on research and troubleshooting means you can spend more time on stuff that matters – like content, design, and marketing your site.

Plus, since Gator is associated with HostGator — a well known, trusted hosting provider — the platform has the flexibility and resources to provide things like unlimited storage, DNS & domains support (AKA buying and mapping your domain name to your website), and support to migrate to a self-hosted product if or when that makes sense.

Template Design

When you set up your website with Gator, you have to choose a template to start your design. One of the pros of HostGator’s website builder is their pre-built templates. They have hundreds of options to choose from, and each option can be edited and customized in their drag-and-drop website builder.

You could custom build a website on HostGator with software & themes of your choosing (ie, WordPress + themes), but part of Gator’s appeal is that they have a huge selection of well-designed templates that you can tweak for your own needs by adding / removing sections and customizing the colors, photography, fonts, and content — all without worrying about their learning curve or costs of addons.

Site Building Process

Speaking of design… one advantage of an all-inclusive website builder is that you don’t have to write HTML or CSS code — instead, you can just drag and drop elements. What you see in the builder is what you get on the website.

Add Pages Gator

HostGator’s drag and drop builder is simultaneously detailed and simple. It gives you plenty of options for customization, such as adding new elements, change colors and fonts, adding entirely new pages to build from scratch, etc. But it also is extremely easy to use (it’s literally drag and drop). It makes it very simple for someone with no website experience to customize their theme or even give it a major overhaul.

Sections Website Builder Gator

Overall Pricing

While HostGator doesn’t have a free option for a subdomain (like Wix does), their overall pricing is competitive not only compared to other all-inclusive website builders, but also to buying your own hosting.

HostGator

Notice how everything is bundled and unlimited. There are no caps on pages or storage space. In fact, the only difference between the plans is support (priority is “faster” support) and ecommerce functionality.

Compared to building your own website on your host and especially other website builders, Gator’s pricing is very competitive. And while pricing isn’t everything, it’s certainly a factor, especially if you’re looking to bundle price and convenience.

Cons

But of course, no Gator website builder review would be complete without looking at the downsides. Every piece of software will have complaints. Let’s look at 3 specific cons I found.

Apps, Extensions, and Advanced Marketing

While Gator’s all-in-one platform is a solid pro for the website builder, it does also give it a disadvantage in terms of lack of support and ability to add 3rd party apps, extensions, and advanced marketing tools.

Gator does offer some apps and extensions, like G suite integration and priority support on their platform, but they’re pretty limited.

apps and integrations gator website builder

And while Gator does allow you to edit the site HTML and insert HTML when designing a page, there isn’t a way to go in and edit specific sections of code. This, combined with not having 100% control over your site & server (ie, to FTP verification files), limits you to which marketing tools you can add to your website.

This tradeoff does ensure that everything works correctly (no WordPress white screen of death when adding Google Tag Manager), but the trade off is control and customization.

Pricing + Upsells

Yep — pricing is also a con. While Gator’s pricing options are extremely competitive, it’s worth noting that the 50% off promotion only applies for the payment period. For example, if you commit to the premium plan at the 2-year price, that price only lasts you two years.

pricing rules Gator

It’s also not clear from the initial pricing information that a free domain name is only included in the yearly billing. That information comes during the checkout process.

Yearly Billing

The overall upsell with the domain + the marketing apps is also a bit convoluted. When you’re checking out, it almost looks like you have to purchase a domain name if you don’t yet own one. In reality, you can use a subdomain and purchase a domain separately.

Gator domain registration

The domain add-on is one of a few upsells during the checkout process, which does clutter the onboarding slightly.

Blog Functionality

While Gator does have a blog integration that you can add on to your website, it doesn’t come as a part of your theme. It’s treated as more of an “add on”, and you can select how you want your blog to look. blog themes gator website builder

While it’s great to be able to customize the look and feel of your blog, having to choose a separate theme makes it a bit disjointed and seems like the blog is a secondary feature. If you’re looking to have a website for the sole purpose of blogging, this may not be the best fit for you*

*if you are primarily a blogger, but want the all-inclusiveness of a website builder, then you should check out WordPress.com – it’s powered by WordPress but is hosted and controlled so that the experience is better than self-hosting WordPress.

Review Conclusion

Gator has many of the tradeoffs inherent with all website builders while capitalizing on the potential strengths of a website builder (ie, usability & support).

Compared to other established website builder brands, it lacks many advanced options & templates (ie, especially compared to Wix), but Gator has better usability and pricing than most.

Gator is a really good fit for anyone looking for a well-built, well-priced, straightforward website builder and doesn’t need many extra templates or advanced marketing features (ie, CRO and Schema plugins).

Check out Gator’s current plans & pricing here.

Not sure Gator fits your needs? Check out my quiz to find what the best website builder is for you based on your preferences.

Working on a long-term project and need more freedom and don’t mind a learning curve? Check out my posts on trying out and self-hosting WordPress.

The post Gator Website Builder Review: Pros, Cons & Alternatives appeared first on ShivarWeb.

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Shopify VS Etsy

Shopify VS Etsy

Tie

Pricing

Tie

Tie

Hosting

Tie

✓

Specific Size Of Business

Tie

Hardware & Software Requirements

Tie

Ease Of Use

✓

✓

Features

✓

Web Design

✓

Integrations & Add-Ons

✓

Payment Processing

✓

Customer Service & Technical Support

Tie

User Reviews

Tie

Tie

Security

Tie

Winner

Final Verdict

Review

Visit Site

Compare

If you’ve arrived at our comparison of Shopify and Etsy, I’m guessing you’re an online seller (or an aspiring one) of the “artsy” or “craftsy” variety. Perhaps even “artsy-craftsy.” Whichever identifier you prefer, you’ll be pleased to know that both Shopify and Etsy can help you sell all sorts of unique, handcrafted, and/or vintage items.

I’ll admit that in some respects, it’s a little unfair to compare Shopify and Etsy head-to-head. Shopify is a shopping cart platform/website builder you can use to create and manage your own, standalone ecommerce store. The Shopify brand itself operates almost completely in the background from your shoppers’ point of view. (If you build your store correctly, no one will know that it’s really powered by Shopify.)

By contrast, Etsy is an online marketplace that allows you to set up shop directly alongside other ecommerce vendors, all with a similar artsy and/or craftsy vibe. All the while, Etsy’s involvement in the whole operation is directly front and center for your shoppers.

You could also argue that a direct comparison between Shopify and Etsy is quite fair and appropriate. People often wonder 1) which of the two software platforms provides the best starting place to sell online, 2) under what circumstances it makes sense to use one or the other (or both), and 3) at what point a seller might need to transition from Etsy to Shopify.

Plus, the introduction of Pattern by Etsy a few years ago made the comparison between Shopify and Etsy even more apropos. For a monthly fee, Pattern makes it possible for Etsy sellers to maintain a standalone, inventory-synced site of their own. Sites built with Pattern can even offer additional products and services that don’t meet the handmade/vintage/craft supply restrictions of normal Etsy shops.

Pattern aside, a huge draw of Etsy in its original form is the built-in traffic and existing customer base from which you can directly benefit as a seller. (You don’t get that with a standalone Pattern site.) The downside, of course, is that you must share your customers with similar stores.

So, with Pattern thrown in, can Etsy compete directly with Shopify? Does the magic combination of Etsy and Pattern render Shopify completely unnecessary for some Etsy-type sellers? You can already tell from our chart at the top of this article that we are still fans of Shopify, but we think all sellers should understand precisely how these two services stack up on all the important dimensions. Ultimately, the right fit is up to you.

Shopify’s eCommerce Options

Mobile POS Online Social Media
Mobile App + Free Card Reader Point of Sale Online Store Social Media Selling
Get Started Get Started Get Started Get Started
Low-cost POS for iOS and Android with free hardware All-purpose POS integrated with all sales channels Build a store or integrate with your current website Sell on Facebook and other platforms
Starts at $9/month Starts at $29/month Starts at $29/month Starts at $9/month
Free Trial Free Trial Free Trial Free Trial

Pricing

Winner: Tie

Despite some overlap, there’s no getting around the fact that Shopify and Etsy have very different pricing structures. The differences are significant enough that we can’t call a clear winner for cost.

Here’s a very generalized way to compare the two:

  • Sellers who are just getting started, are very concerned about cash-flow, and simply can’t afford a monthly subscription fee will find an initially cheaper option in Etsy.
  • Once you have a moderate and fairly predictable stream of transactions and need a full website for your store, Shopify starts to become more cost-effective.

That’s the condensed version of our pricing comparison. For the full breakdown, strap in and keep reading!

When comparing these two platforms, you should first wrap your mind around the main categories of fees involved. It will also help to keep the following overarching difference in mind: Shopify’s main charge is a monthly fee for using the service, while the main component of Etsy’s cost is a fixed 5% transaction fee charged on every sale that occurs on the platform.

Here are the different categories of costs you should keep in mind when comparing Shopify and Etsy:

  • Monthly Fee: Subscription fee for using the platform.
  • Listing Fee: Cost of listing a product (or group of products that make up one listing) in your shop.
  • Transaction Fee: Percentage commission per sale charged by Etsy or Shopify itself.
  • Payment Processing Fee: Not the same as a transaction fee! This is a per-sale fee (usually a percentage and a dollar amount) charged by your credit card processor/payment gateway. While this entity is usually a third-party company, it turns out both Etsy and Shopify have an in-house, pre-integrated option that most sellers use (Etsy Payments and Shopify Payments, respectively).
  • Standalone Website: Cost of having your own, hosted website with a customizable theme template.

Let’s take a close look at the numbers, shall we? All prices will be shown in USD.

Shopify Pricing

Shopify plans have a monthly fee, no listing fee, and a variable transaction fee that only comes into play if you do not use Shopify Payments as your credit card processor. Starting at the $29/month level, you get your own store website. This involves choosing a free Shopify template or purchasing a premium template from the Shopify theme store. As you look through Shopify’s five pricing plans, remember that you can completely avoid Shopify’s extra transaction fee if you use Shopify Payments as your credit card processor.

Shopify Lite Plan 

  • Monthly Fee: $9/mo.
  • Transaction Fee:
    • If Using Shopify Payments: None
    • If Using External Gateway: 2.0%
  • Payment Processing Fee (Online)
    • Shopify Payments: 2.9% + $0.30
    • External Gateway: Varies
  • Standalone Website: Unavailable. Sell on an existing website, Facebook, or in-person only.

Basic Shopify Plan

  • Monthly Fee: $29/mo.
  • Transaction Fee:
    • If Using Shopify Payments: None
    • If Using External Gateway: 2.0%
  • Payment Processing Fee (Online):
    • Shopify Payments: 2.9% + $0.30
    • External Gateway: Varies
  • Standalone Website: Included. Templates are $0-$180/ea.

Shopify Plan

  • Monthly Fee: $79/mo.
  • Transaction Fee:
    • If Using Shopify Payments: None
    • If Using External Gateway: 1.0%
  • Payment Processing Fee (Online):
    • Shopify Payments: 2.6% + $0.30
    • External Gateway: Varies
  • Standalone Website: Included. Templates are $0-$180/ea.

Advanced Shopify Plan

  • Monthly fee: $299/mo.
  • Transaction Fee:
    • If Using Shopify Payments: None
    • If Using External Gateway: 0.5%
  • Payment Processing Fee (Online):
    • Shopify Payments: 2.4% + $0.30
    • External Gateway: Varies
  • Standalone Website: Included. Templates are $0-$180/ea.

Shopify Plus: Custom pricing. Reserved for enterprise-level customers.

With each bump in subscription level, Shopify sellers have access to additional features, as well as more staff accounts for their stores. Check out our full Shopify review, or our quick guide to Shopify pricing, for a more complete breakdown of features by plan.

Basic Shopify Advanced

Monthly

$29.00/mo

$79.00/mo.

$299.00/mo.

Yearly

$26.10/mo.

$71.10/mo.

$269.10/mo.

2 Years

$23.20/mo.

$63.20/mo.

$239.20/mo.

3 Years

Same as above

Same as above

Same as above

Etsy Pricing

Etsy has two main plans — Standard and Plus — and a Premium plan that will launch sometime in 2019. Most Etsy sellers use the Standard plan with no monthly fee, whereas the Plus plan is $10/month. Other components of Etsy’s cost include a fixed listing fee, as well as 5% transaction fee on every sale. There is no avoiding this 5% fee, even when you use Etsy Payments as your credit card processor.

Also, keep in mind that your only web presence is your shop page within the Etsy marketplace. If you’d like your own store website separate from (but synced to) your Etsy shop, you can create and maintain a Pattern site for an additional $15/month.

Here are the plans:

Etsy Standard

  • Listing Fee: $0.20/ea.
    • Lasts 4 months
    • Charged when listing is first published or when renewed
  • Transaction Fee: 5.0%
    • Etsy’s commission per sale
    • Also charged on the shipping price
  • Payment Processing Fee w/Etsy Payments: 3% + $0.25
  • Standalone Website: None, or $15/month with Pattern. Pattern site templates are free.

Etsy Plus

  • Monthly Fee: $10/mo.
  • Other Costs Same As Above
  • Additional Features:
    • A monthly budget of credits for listings and Promoted listings ads
    • Access to a discount on a custom web address for your Etsy shop
    • Restock requests for shoppers interested in your items that have sold out
    • Advanced shop customization options
    • Access to discounts on custom packaging and promotional material like boxes, business cards, and signage

Etsy Premium

  • Launching 2019
  • Will include premium customer support and advanced management tools for businesses with employees

One final note about pricing before we sum up this section: if you want a standalone site built on Pattern, you’ll also need to purchase and/or connect a domain name. The annual cost varies, but should be comparable to purchasing a domain for a Shopify store. Of course, if you stick to just selling on Etsy and not on Pattern, you don’t need your own domain URL.

Again, this is one of those comparisons you’ll have to decide the winner of for yourself. You can see that once you have a steady flow of significantly-sized transactions, avoiding that 5% Etsy fee on every sale and ponying up $29/month for Shopify instead (and using Shopify Payments to have the Shopify transaction fee waived) starts to make more sense.

Hosting

Winner: Tie

Shopify and Etsy stores are both fully-hosted solutions based in the cloud. You don’t need to download or install anything to use either. If you create an Etsy-connected website using Pattern, your site’s hosting is covered by your $15/month Pattern subscription. Similarly, Shopify store hosting is covered by the monthly fee.

Specific Size Of Business

Winner: Shopify

Shopify deserves the win in this category for accommodating a much wider range of business sizes. For just $9/month, you can start selling on Facebook with no additional transaction fees (beyond payment processing itself) if you use Shopify Payments. From there, Shopify scales all the way up to enterprise-level merchants. Etsy, on the other hand, is better geared toward small to mid-sized operations and doesn’t scale nearly as well. That said, for those who just want to test the ecommerce waters and dabble in selling a few handmade or vintage products, Etsy is ideal.

Hardware & Software Requirements

Winner: Tie

No special hardware or software is required to open and manage a shop on either platform. You do have the option to add hardware (like card readers) if you wish to sell in-person.

Ease Of Use

Winner: Etsy

Shopify usually earns our top rating for ease of use in the ecommerce software category, and with good reason. In this case, however, I’m awarding Etsy the narrow win. As a marketplace with a uniform structure across all web shops on the platform, the whole Etsy setup process is much less open-ended, so it’s easier to start selling right away. Once you fully dive into the admin dashboard and start manipulating individual features, however, I think the two platforms are equally easy to use.

Let’s peek inside the setup process and backend structure of each system, so you can see what I mean.

Shopify Setup

Shopify offers a two-week free trial of the platform — all you need is an email address. You’re free to test the software to your heart’s content, short of making actual sales.

Shopify Dashboard

Once you’ve started a trial account, you’ll gain immediate access to your store’s admin panel. The Shopify dashboard is quite streamlined, with daily operation menus contained in the left sidebar. There are even a few tips to get started setting up your store in the center area:

Shopify — Add A Product

Listing your first product is typically one of the first tasks inside Shopify, but it doesn’t have to be. Adding a product involves completing a simple interface:

In addition to configuring products and setting up the rest of the backend of your store, you can work on customizing your online storefront at the same time. We’ll have more on this process in the Web Design section.

While Shopify is easy to use, you are ultimately responsible for locating and configuring all the settings (shipping, tax, billing, etc.) to get your store going.

Etsy Setup

The cookie-cutter look of Etsy shops is no accident — it’s achieved through a simple, highly-controlled system behind the scenes. In fact, Etsy guides your hand to such a strong extent that by the time you’re taken through the basic setup process, you already have a store that’s up and running.

Unfortunately, there is no free trial of Etsy. Instead, you must enter a product, your bank account routing number, your credit card info, and other personal/business details before you can even enter the admin dashboard. Coming from the land of ecommerce software where no-credit-card-required free trials abound, I find this system annoying. However, I can’t deny that it is also very effective.

From my personal Etsy account, I’ve used to make Etsy purchases in the past, I simply clicked “Sell on Etsy.” I was then taken through a very detailed setup wizard, all the way from setting my country, to listing my first product, to inputting my billing and payment methods. As you can see from the dots across the top of the wizard interface, it’s a five-step process:

Etsy Dashboard

When you finally make it to the main admin panel (called Store Manager), you’ll find it’s actually fairly similar to Shopify. In my own testing, I could find all the menus and features I was looking for in the left sidebar:

Etsy — Add A Product

The most detailed piece of the store setup wizard is step three: adding products (a.k.a, listings). As I mentioned, you’re forced to list at least one item before you can even complete the Etsy signup process and see your main dashboard. Below is the third screen from the setup wizard. Yep, it’s long. Click it to enlarge, if you dare.

This may seem like a lot of work, and it kind of is. Mercifully, Etsy makes it all extremely straightforward. You just need a touch of patience. As part of this process, you’re actually also setting up a shipping profile that can then be reapplied to other products. And, once you choose the type of product you’re selling, Etsy is very good about predicting the type of attributes and variations you might need for that product. I walked away from the processing thinking, “Wow, Etsy knows its sellers and their products really well.”

Side note: Once you finally make it to your dashboard, you can load additional products with a similar interface:

As soon as I was (finally) done with the initial setup wizard, my shop was online and ready to sell. I received so much guidance steering me directly to the goal that I almost felt like I was tricked into suddenly having an active store. In a good way, I guess!

I’ve focused on getting a store up and running in this section as an illustrative example — there are lots of other components of each platform to consider. As you’ll see in our Feature section below, though, Etsy has fewer features than Shopify overall. This makes it easier to quickly get a handle on the entire software platform’s capabilities and scores Etsy another point for user-friendliness. Still, the ease of going from zero to ready-to-sell is what really puts Etsy on top.

Features

Winner: Shopify

Let’s acknowledge right away that comparing the features of Etsy and Shopify is hardly an apples-to-apples endeavor. One is an online marketplace including multiple sellers, while the other is a platform on which to build a website that you ultimately own. Etsy has a specific target market of crafters, vintage resellers, and the like, while Shopify’s merchant pool is much wider. The feature sets of each platform work really well for sellers within their specific contexts. Once we add Etsy’s Pattern to the mix, the comparison gets a little closer, but it’s still slightly unfair to both systems.

I do think the best “features” of Etsy have already been highlighted — it’s very easy to get started selling, and you’ve already got a built-in traffic base. Beyond these important advantages, there’s not a lot you can do on the back or front end of your Etsy and/or Pattern shop that you can’t do with Shopify. And, if the core Shopify platform doesn’t have a specific tool you’re looking for, I can almost guarantee you’ll find a solution in the immense app store (more on that later).

All in all, I’m giving Shopify the win because I think it’s a more advanced system for ecommerce. Shopify adds several features that Etsy and Pattern are missing, like checkout on your own domain (customers are redirected back to Etsy if they purchase through your Pattern site), manual order creation, a built-in POS system, and bulk product import/export/editing. In addition, many of the features the two platforms share in common are more robust or flexible with Shopify (I’m thinking of their respective discount engines, abandoned cart recovery systems, SEO tools, etc.).

Despite their core differences, Shopify and Etsy/Pattern still have a lot of great things in common. Thus, I’d like to end this section with a list of some features both platforms share:

  • Sell unlimited products
  • Sell physical or digital products
  • Free SSL certificate (with Pattern)
  • Built-in blog (with Pattern)
  • Social media sharing
  • Automatically calculate shipping & tax
  • Purchase/print shipping labels
  • Shipping discounts
  • Inventory & order management
  • Create discounts & coupons
  • Abandoned cart recovery
  • Guest checkout
  • Analytics & reports
  • SEO tools
  • Mobile store management app

Web Design

Winner: Shopify

Shopify easily wins this category, even after you throw Etsy’s Pattern software into the mix. Shopify’s frontend template options have Pattern’s beat on all counts — the sheer number of options, the variety of styles, and the overall quality of designs. Not to mention that once you’ve chosen a theme, Shopify gives you much more flexibility to perform further customizations. Allow me to illustrate!

Shopify Design

Shopify offers 70 templates, most with 2-4 style variations. Ten themes are free and supported by Shopify developers, while the remaining third-party themes are offered at $140-$180 as one-time purchases.

I think most of the free themes from Shopify outshine Pattern themes, but we’ll get to Pattern in a moment. For now, you should know that Shopify has tools to adjust fonts and colors (via the Theme Editor), and to drag-and-drop page elements up and down your layout (via the “Sections” tool) — all without touching any code. You can also make further adjustments with code if you have those skills, but this is not necessary for the average user.

Here’s a quick screen-grab of Shopify’s visual, non-coding editor:

For more information on how these tools work, check out our full Shopify Review.

Etsy Design

Your Etsy shop comes with just one design template that’s the same as everyone else’s on the marketplace. You already saw the default store layout that popped up when I initially created my store. In the backend admin panel, you can customize your homepage by adding a banner image, your logo, a featured area to highlight products, an About section, and a few other basic elements. Each piece is fixed in place, though — no drag-and-drop tool to be found. Anywhere there is a little “+”, you can add a specific element:

With the $10/month plan, you have a bit more flexibility in your design. For example, you can insert a rotating image carousel in lieu of a fixed banner image across the top. And yet, there’s still no dragging nor dropping allowed.

If you decide to create a standalone website with the Pattern feature (remember, that’s another $15/month), you can choose from 10 possible templates. Pattern will recommend an option for your shop depending on your current Etsy store, but you can easily swap it out later:

Once you’ve chosen a theme, you have the option to customize your colors, fonts, text, and images — but again, all with pre-defined placement: Here’s the interface after I added a logo and header:

You can also add a few select pages to your site, like an About or Contact page. You just have to be okay with your layout being completely fixed for each page. Even if you wanted to try tweaking the template code, it’s just not an option.

Sorry, Etsy. Shopify has some of the best designs and editing tools of all shopping cart platforms on the market, so I’m not surprised that Etsy is completely overshadowed in this area. Pattern is only ideal for the most basic of websites. Fortunately, it does offer a 30-day free trial of a live site (once you’re already signed up for Etsy) if you’d like to test the site builder for yourself.

Integrations & Add-Ons

Winner: Shopify

Etsy and Shopify each offer a collection of free and paid add-ons to integrate with your shop. The big difference is in the quantity. Etsy’s selection of a couple dozen apps just can’t compete with Shopify’s approximately 2500 offerings. If you’re worried about the quality of these Shopify add-ons, you have access to thousands of user reviews in the app store. You’re likely to find anything and everything you need to expand your store beyond the core Shopify platform.

A large selection is certainly great, but with the important caveat that the vastness of it all could end up becoming too overwhelming, costly, and unnecessary for small sellers. I was happy to see that Etsy at least offers a few well-known accounting and tax integrations (e.g., Quickbooks, Wave, TaxJar, TaxCloud) and email marketing apps (e.g. AWeber, or MailChimp if you use Pattern). You’ll need to decide if you will ultimately need the store expansion capability that Shopify provides, or can settle for Etsy’s offerings. If you set up a Pattern store, you’ll definitely want to add a good SEO integration.

Payment Processing

Winner: Shopify

Payment processing is a complicated and nuanced topic, so we’ll just cover some basic comparisons. Your mileage on this verdict in favor of Shopify will vary depending on your location, currencies, risk level, etc.

We’ve already mentioned that Shopify and Etsy both have their own self-branded payment gateways. Do note that Shopify Payments is actually built on Stripe’s infrastructure, while Etsy Payments is largely powered by Adyen, another big payment gateway company.

At any rate, most sellers on either platform end up using these pre-integrated options. Why? Well, even though you have over 100 processor options with Shopify, recall that you’re penalized with a separate transaction fee (usually 2%) if you don’t pick Shopify Payments. Meanwhile, Etsy Payments (formerly Etsy Direct Checkout) is essentially your only credit card processor option with Etsy. The only reason you wouldn’t use Etsy Payments is if it’s not yet available in your location. If you’re not operating from one of the approximately three dozen approved countries, you can only accept PayPal or manual payment methods (like check or money order) that you arrange separately with your buyers.

Etsy Payments allows you to accept credit and debit cards, Etsy gifts cards and credit, PayPal (pre-integrated), a few bank transfer services, Apple Pay, and Google Pay. Shopify Payments offers similar options but adds Amazon Pay and Shopify Pay to the mix. Meanwhile, Etsy Payments does allow you to accept a few more currencies than Shopify Payments (Danish or Norwegian krone, anyone?).

Below is a quick look at the processing fees for Shopify Payments versus Etsy Payments (shown in USD). As you’ll see, Shopify Payments it the better processing deal, especially as you climb the subscription ladder. Of course, you need to factor this into the larger picture of costs we discussed earlier.

Shopify Payments:

  • $9 Lite Plan
    • 2.9% + $0.30 Online (including manual entry)
    • 2.7% In-Person
  • $29 Basic Plan
    • 2.9% + $0.30 Online
    • 2.7%  In-Person
  • $79 Shopify Plan
    • 2.6% + $0.30 Online
    • 2.5% In-Person
  • $299 Advanced Plan
    • 2.4% + $0.30 Online
    • 2.4% In-Person

Etsy Payments:

  • 3% + $0.25 Online
  • In-Person (with Square integration only):
    • 2.75% Swiped/dipped/NFC
    • 3.5% + $0.15 for manually-entered online transactions
    • + $0.20 for any Square product not synced with your Etsy store

An “in-house” payment processor can really streamline this aspect of your business, so it’s nice that both platforms offer one. Neither is a 100% perfect processor for everyone, as you’ll see when we discuss user reviews later. Nevertheless, Shopify Payments comes out ahead because it offers better rates, more payment methods for shoppers, and a native system for in-person transactions. Plus, if Shopify Payments doesn’t work for you, you’ve got plenty of other gateways from which to choose. Not so with Etsy.

Customer Service & Technical Support

Winner: Shopify

This particular contest was closer than I expected. Both platforms offer 24/7 email and phone support, but Shopify adds a third contact channel via 24/7 live chat. That’s really the main reason for Shopify’s win here. I know a lot of online sellers prefer this option over email and phone, since it works like a nice blend of the two. Etsy does offer a callback option when waiting on hold, which is very handy. On the flip side, I’d like to see Etsy’s contact number and ticket system more easily accessed from the help center page — it’s much too buried for my taste at the moment.

While both platforms also offer great self-help resources such as blogs, forums, knowledgebase articles, and videos, the information for Etsy sellers is mixed in with support resources for Etsy shoppers. This can feel a bit cluttered and confusing at times.

I will say that Etsy does go beyond the support of a typical ecommerce platform in a unique and specific way. As a marketplace that gathers lots of merchants together in one place, sellers are automatically part of a built-in community. There’s even an opportunity to join Etsy Teams — groups of sellers in the same location, selling the same types of products, or with other unifying aspects to their stores. Some teams even meet up in real life or organize special events together. While Shopify users can tap into the strong community of developers and merchants offering mutual support in forums, the overall camaraderie can’t compete with Etsy’s community vibe.

You also may have more access to seller protections as part of a marketplace, but this can heavily depend on the specific situation. Etsy aims to look out for its shoppers as well!

User Reviews

Winner: Tie

Because Etsy is a marketplace full of buyers as well as sellers, buyer complaints abound. When something goes wrong with a sale, it’s more accessible and more public for a shopper to point a finger at Etsy than the actual seller, even when the seller was primarily at fault. Shopify mostly operates behind the scenes from a shopper’s point of view, so it’s easier to isolate feedback about the platform that’s specifically from store owners.

For these reasons, Etsy’s reputation on review sites can be skewed quite negatively, so I can’t make a truly fair comparison with Shopify. Nevertheless, I’ve teased out some seller-specific feedback, just so you can get an idea of the common threads that appear.

First, the good. Not surprisingly, Etsy sellers like how easy it is to set up shop. They enjoy access to an existing customer base and the effective site search tools that make it easy for shoppers to find their products. Some users have mentioned their positive experiences with Etsy’s customer service, and the help they’ve received resolving disputes with customers (or even other sellers).

Of course, some Etsy sellers mention bad experiences with customer service, saying the marketplace isn’t taking enough responsibility for regulating seller behavior. I found several complaints that Etsy gets away with being a “neutral” party, shifting blame to its users on either end of transactions. At the very least, people are confused about Etsy’s role.

Other Etsy shop owners contend that the marketplace is too saturated with similar sellers, and that competition is simply too tough to sustain their shops. Still others have issues with payments or chargebacks or claim their shops were suddenly closed without warning. I’ve also seen plenty of sellers lament the increase in Etsy transaction fee from 3.5% to 5% in mid-2018 — that wasn’t so popular.

On the Shopify side, the top accolade is typically its ease of use. Sellers also like the opportunity to add functionality and scale their stores using add-ons from the app store. Shopify’s web design is highly praised, especially among those who appreciate the ability to easily customize their sites without code.

Like with Etsy  — and many other large software companies — Shopify’s customer support receives mixed reviews. Other common Shopify complaints include the added cost of integrations and the extra transaction fees if you can’t use Shopify Payments. Sellers do sometimes have problems with the payment system itself as well — their funds were held, or their Shopify Payments accounts were terminated due to various factors.

If that all sounds a bit scary, understand that a lot of the problems that pop up for Etsy and Shopify are common across the ecommerce world. The good news is that the research you’re doing now will help protect you against some of the more avoidable issues!

Security

Winner: Tie

Etsy and Shopify are both PCI complaint systems, offering site-wide SSL certificates for data encryption. If that all sounded like nonsense and jargon, don’t worry. You should know, however, that part of the reason Pattern websites meet security requirements set out by the data regulatory folks is that your shoppers are directed back over to Etsy checkout pages to complete their transactions. This kind of ruins the illusion that your site was actually your own site, but it does at least help with security. With Shopify, your customers can check out directly on your site with the same level of security in place.

Final Verdict

Winner: Shopify

 

Shopify won this battle handily, coming out ahead in most of our individual comparison categories. And yet, I’ll be the first to admit that the one-sidedness of our comparison does not do the key selling points of Etsy justice. The main advantages to Etsy — the ability to get a shop up and running quickly on a shoestring budget, and built-in access to the traffic of an entire online marketplace — are absolutely huge for beginning sellers. If you’re not ready to go whole-hog into selling online and would prefer to test the waters first, Etsy is definitely the way to start. For first time sellers, it’s akin to setting up your craft booth at an established craft fair, versus plopping your stall on a street corner in the middle of nowhere.

This is all to say that Shopify only really wins if you’re ready to take responsibility for maintaining and drawing traffic to your own website. You’ll need to learn and implement an effective SEO and marketing strategy, for example. This is no small feat for the budding online seller and should not be taken lightly. If done well, however, any customers you obtain are your own, and this is the big reward that accompanies your efforts with Shopify. Your sales and growth will not be limited by super-direct competition with other sellers within a marketplace. You’ll completely sidestep this major downside to Etsy.

When we start talking about actual ecommerce features and web design, Shopify is a more powerful ecommerce tool. Specifically, we’ve seen that Etsy’s Pattern software can’t compete with the standalone storefront-building capabilities of Shopify. For most sellers who are ready to launch their own websites, I’d suggest skipping over Pattern and heading for Shopify. Yes, a Pattern subscription is cheaper than Shopify, but it seems like too much of an intermediate, half-way step that won’t get you fully where you want to go. Besides, there’s no reason you can’t keep your Etsy shop open in the meantime as you grow your Shopify-based store — and, you could ultimately connect an app to sync up your inventory between the two. Etsy could then become one marketing channel of many for your main online store’s top products. Something to consider!

I think if you’ve made it this far, you’re probably ready to at least test the capability of Shopify with a free 14-day trial. Of course, if you’re already an Etsy seller, you can also play around with Pattern’s tools for free before even connecting a domain and going live with your site. Since you’ve got nothing to lose with either platform in that respect, why not set up your own mini-showdown between Pattern and Shopify?

Let us know how it goes in the comments. Happy artsy, craftsy, or artsy-craftsy selling!

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What Are Verified By Visa And 3D Secure?

If you’ve heard about Verified by Visa through the grapevine — or more than likely in your checkout process — and you’ve got some questions, you are in the right place. Come along as we take a look at the good, bad, and the ugly when it comes to the evolution of Verified by Visa and 3D Secure.

What is Verified by Visa? Simply put, it’s a program to help ensure that cards are used only by the owner of the Visa account, thereby making online purchases more secure. 

The premise may be simple, but the details can be a little complex. Buckle up for a bit of a bumpy ride. In this post, we’ll look at where the industry used to be in terms of security protocols and talk about how far we have come thanks to solutions like Verified by Visa and its companion, 3D Secure.

3D Secure stands for 3-Domain Secure, which reflects the fact that the checkout process involves three separate domains to protect cardholders and merchants. 3D Secure encompasses both Visa and MasterCard’s security programs, as well as programs offered by JCB and American Express in select parts of the world. Merchants can add 3D Secure authentication on their site as an additional way to prevent card fraud. 

As we dig in the post, we are also going to explore some sobering realities that every eCommerce business must face when it comes to fraud — and discuss how 3D Secure technologies can protect you as a merchant.

What Is Verified By Visa?

Verified by Visa 3-D Secure 2.0

As we mentioned above, Verified by Visa is a program designed to reduce fraud and make online purchases more secure, but that definition is fairly ambiguous. The truth is that Verified by Visa is always evolving to adapt to how it accomplishes the goal of security, and this program will likely continue to change to stay one step ahead of online fraud. A shopper’s experience with Verified by Visa will largely depend on who issued their card as well as the merchant’s online security protocols. For example, a shopper with one particular Verified by Visa card may be prompted to enter in a personal PIN every time they buy at their favorite eCommerce shop. Another shopper with a Verified by Visa card issued from a different bank may go through the checkout seamlessly and not be aware that there are layers of risk assessment happening with data in the background to ensure the order is legitimate. 

This difference in shopping experiences is because there are two versions of Verified by Visa with varying levels of participation from issuing banks. This variance is in part due to the rollout of the new protocol 3D Secure 2.0. The update addressed some of the significant problems with the original 3D Secure, version 1.0. In the light of the risks presented by card-not-present transactions, most merchants (and shoppers!) would agree that adding layers of security is a good thing. But as I mentioned above, there were some big complaints with the original version of Verified by Visa when it rolled off the lot.

Verified by Visa and 3-D Secure 1.0

Screenshot of “Online Shopping is Easy and Secure With Visa” Video

3D Secure 1.0

Before we dig in, let me first say that it is completely normal to experience a certain to amount of negativity bias when we experience something new. As humans, we tend to focus on the negative and often approach new situations with suspicion. That can be a good thing or bad thing, depending on the situation.

Unfortunately, some shoppers who were initially exposed to Verified by Visa and 3D Secure version 1.0 mistakenly thought the pop-up authentication screen prompting them to enter their secure personal PIN was a malicious attempt at gathering their credit card data, and they jumped ship. These customers abandoned their carts or were locked out, resulting in lost sales for merchants. The situation was not good for shoppers, and certainly not good for businesses.

Verified by Visa spoof

Third-party pop-up screens demanding passwords or other sensitive information are a red flag, for obvious reasons. And as predicted by naysayers, several reported malware pop-ups spoofed the whole scheme. Verified by Visa and the banks soon worked out these kinds, fortunately. Now, the authentication step for Verified by Visa 1.0 (yes, that version still exists) happens in an in-line window. Pop-ups are a thing of the past.

But this improvement still doesn’t change the fact that many people don’t like having to remember yet another PIN number, code, or password for every purchase they make, big or small. There’s always a delicate balance between payment security and user experience in the world of payment security. Shoppers expect convenience and ease while also needing a high level of trust.

The newer 3D Secure technology utilized by Verified by Visa continues rolling out to eCommerce shops, and it does an exceptional job of addressing payment security and usability. 

3D Secure 2.0

3-D Secure 2.0 Verified by Visa

Just like 3D Secure 1.0, the newer 3D Secure 2.0 provides an additional layer of security for online transactions before final authorization. However, the updated version of Verified by Visa included in 3D Secure 2.0 uses a data stream to provide more robust risk assessments instead of relying on a PIN or passcode for authentication.

Verified by Visa and the original 3D Secure technology came on the market 15 years ago, but Version 2.0 is being managed and implemented by EMVCo, the same organization responsible for certifying hardware and software to accept chip card payments.

The important thing to note for any merchant considering Verified by Visa and 3D Secure is this: 3D Secure 2.0 represents the latest global standard in payment security.

The touted improvements are:

  • Cross-Device Support: 3D Secure 2.0 brings better usability and support for transactions across several types of devices.
  • Better Risk Analysis: Enhanced risk-based, decision-making for issuers utilizes 10X the data (e.g., time zone, device ID, purchase history, and geo-location data).
  • Improved Usability: A faster behind-the-scenes makes for happier customers.
  • Less Customer Intrusion: Authentication is only required directly from a shopper if the transaction is flagged high risk.

Visa says it best:

The new 2.0 version of the technology enables a real-time, secure, information-sharing pipeline that merchants can use to send an unprecedented number of transaction attributes that the issuer can use to authenticate customers more accurately without asking for a static password or slowing down commerce.

One of the best improvements from a shopper’s standpoint is that they won’t be asked for additional information unless the transaction waves some red flags. Data powers the risk assessment behind the scenes to more accurately identify a genuine vs. fraudulent transaction. As touched on above, 3D Secure 2.0 uses different types of data to analyze the purchase and protect shoppers and merchants from fraud, including but not limited to:

  • Purchase history
  • Device ID
  • Purchase amount
  • Geo location
  • Email address
  • Merchant history
  • Time of day
  • Unusual IP address
  • Unknown device
  • First time purchase of merchant
  • Excessively large purchase amount

And unlike Verified by Visa’s 3D Secure 1.0, users are not required to opt-in or register. If a cardholder’s issuing bank makes use of 3D Secure 2.0, the bank automatically enrolls the card at no charge to the customer.

Verified by Visa Registration

Fewer passwords and no need for registration means that most cardholders will not even necessarily be aware of all the fraud protection happening behind the scenes.

But what about merchants? What does a merchant do if they want to utilize 3D Secure technology in their checkout process? Read on for merchant information and some sobering fraud statistics that fueled the race to better technology.

How Verified By Visa & 3D Secure 2.0 Protect Merchants

Everyone understands that fraud is costly, but many may not know how the EMV chip protections for card-present transactions have caused fraudsters to focus more on eCommerce fraud. After the rollout of EMV, it was harder than ever to clone a user’s card or steal their credit card data. So the target has changed.

Fraudsters identify vulnerabilities in the payment security landscape, and that’s why we see eCommerce businesses hit harder than ever. When companies don’t understand how to protect themselves, they open themselves up to data breaches and big problems ensue. According to UPS Capital, 60% of small businesses are out of business within six months of suffering a cyber attack.

Every ecommerce merchant should do what they can to provide more protection for these transactions. We cover more about the risks of online payments and how you can protect your business in What Is A Card-Not-Present Transaction?, but 3D Secure technology is one excellent way you can defend your eCommerce business.

Here’s how it works in a nutshell:

How 3-D Secure Verified by Visa works

Instead of asking every customer for extra information, Verified by Visa and 3D Secure 2.0 use multiple layers of data to identify a high-risk transaction. Your shoppers are only asked to complete an extra step (e.g., entering in a verification number delivered via text) if there is a high risk of fraud.

All of this is important because merchants not only need to protect themselves from fraud, they need to protect themselves from lost sales due to frustrated customers. A behind-the-scenes risk-management approach means that convenience and user experience remain intact.

EMVCo reports that the data-driven authentication of 3D Secure 2.0 leads to a 70% reduction in cart abandonment. So as a savvy merchant, making it easier for your customers to complete a purchase while reducing the risk of fraud to your business is a no-brainer! 

Verified by Visa 3-D Secure 2.0

How Merchants Can Implement 3D Secure Technology

As mentioned earlier, Visa recommends that issuers and merchants support both the 1.0 and the 2.0 specifications. If you currently have a merchant account, give your provider a call to find out if they offer 3D Secure and how to start utilizing it in your online shop.

If you are in the market to find a high-quality, affordable processor that offers built-in excellent security tools (including 3D Secure) for eCommerce business, check out our other post, How to Choose an eCommerce Merchant Account.

Best Online Credit Card Processing Companies

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Shopping Cart Compatibility Many Shopify Only Many Many Many
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Pricing Model Cost-Plus Flat Rate Flat Rate Subscription Cost-Plus
Standard eCommerce Rates 0.30% + $0.10 markup 2.90% + $0.30 2.90% + $0.30 0.00% + $0.10 markup 0.50 + $0.10 markup
Entry-Level Monthly Fee $10 $29 $0 $99 $0

Final Thoughts

The Verified by Visa experience for both shoppers and merchants has come a long way since it was first introduced more than fifteen years ago. Because the threat of fraud is continually evolving, we are likely to see this technology continue to get smarter as well.  That’s because eCommerce businesses today face increasing threats from fraudsters who target vulnerabilities in the digital space.

Staying up-to-date with the latest payment security technology is crucial to protect your business and the shoppers who buy from you. Verified by Visa and 3D Secure 2.0 work behind the scenes to authenticate a sale without a lot of intrusive requests to the shopper, making it an excellent way to combat fraud.

The post What Are Verified By Visa And 3D Secure? appeared first on Merchant Maverick.

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MasterCard SecureCode: What It Is And How To Use It

You may have seen mentions of “SecureCode” around, on TV and elsewhere. After all, when Hugh Jackman (aka Wolverine) stands on a scenic rooftop and asks if we know that SecureCode is a more secure way to pay, it’s hard to ignore.

Mastercard SecureCode

But what the heck is SecureCode?

Simple! MasterCard’s SecureCode is a private code known only to the account holder that provides an additional layer of security for online purchases. The program is free for consumers as well as merchants. 

The Claim:

MasterCard SecureCode ostensibly comes with these benefits:

  • Reducing fraud
  • Guaranteeing e-commerce payments
  • Reduced chargeback risk to merchant
  • Improved cardholder confidence 

With online payment security an ever-present concerns for both online shoppers and merchants alike, these Mastercard SecureCode claims deserve a closer look. Keep in mind that both the merchant and the cardholder need to opt into the program for either party to benefit from it. 

Whether you are a cardholder who is thinking about setting up a SecureCode yourself, or you are a curious business owner who wants to know how you can improve security for online purchases, read on for an explanation of how SecureCard works and whether it’s right for you!

How SecureCode Works For Online Shoppers

no annual fee credit card

The basic concept of MasterCard SecureCode is very similar to using a PIN to process a debit payment at the checkout. Just like during a debit transaction, where the PIN is kept private, the SecureCode should always remain private to the account holder.

When your customer fills their cart with your wares and begins the checkout process, they will also enter their MasterCard SecureCode to verify their identity as the cardholder. But there is one major caveat. Instead of sharing their SecureCode directly with you, the merchant, an issuer-provided inline window appears with a personal greeting that is only known by the cardholder. If the customer recognizes their personal greeting, they enter their SecureCode. In just a few seconds, the issuer verifies that the true cardholder is making the transaction and the checkout process continues. 

How Can Cardholder Enroll?

MasterCard customers who have cards issued from participating financial institutions can enroll in SecureCard and register any of their debit or credit cards. To find out if you can enroll, can contact your institution or view the list of participating financial institutions updated by MasterCard. 

MasterCard SecureCode For Businesses

If you are a merchant wondering why you should bother offering SecureCode, it makes sense to take the time to understand more about it. From a merchant standpoint, MasterCard SecureCode can give your current and future customers greater confidence and security while shopping online with you. This extra layer of authentication and security also protects you from fraudulent use and some types of chargebacks (more on that below).

It is important to note that if you decide to go with SecureCode, it’s not mandatory for all of your customers to enter in a code to finish the sale with you. Authentication with a personal code is only required for customers who have already signed up for SecureCode. Whenever a customer connects a card with SecureCode and the merchant is also signed up, the SecureCode is required, however. But if you decide to offer SecureCode and your customer isn’t signed up, they’ll enter their credit card information just like they would with any other sale, and it is processed as usual. 

For SecureCode transactions, merchants can gain protection from unauthorized cardholder chargebacks, and customers who have activated SecureCode get more protection, too.

How To Offer MasterCard SecureCode

If you are a business owner who is ready to get this new layer of security live on your site, here is what you need to know: Your transaction processor may already support the MasterCard SecureCode program, so give them a call first and see if they can get you started.

The setup process is fairly simple if you’re used to maintaining your website yourself, and involves installing a plug-in to your site. After everything is up and running successfully, MasterCard also provides you with a logo you can put on your site to identify your program involvement.

It’s also worth mentioning that many processing companies, including Stripe, offer an extra layer of authentication through 3D Secure  (sometimes abbreviated as 3DS). 3D Secure is a security protocol that bundles MasterCard SecureCode with the Visa equivalent, Verified by Visa. It gets its name from the fact that a third party, the card network, is involved in verifying the credit card purchase. In some regions, 3D Secure authentication also includes American Express SafeKey. Your merchant account provider may offer 3DS authentication as part of its service, though you might also need to configure this option in your payment options if it isn’t enabled by default.

How SecureCode Reduces Fraud & Guarantee eCommerce Payments

image of man in a hoodie in front of a laptop, overlaid with lines of code

MasterCard claims that SecureCode helps reduce fraud and guarantees ecommerce payments. Let’s say a hacker manages to lift someone’s card number from a skimming device or a compromised website and they post it on the Dark Web. Another scammer buys it and then tries to make a purchase with the card details. A CVV check (another common ecommerce security feature) might stop some transactions, but CVV checks aren’t universally used in ecommerce. Plus, we often give away our CVVs when we place an order over the phone (Chinese takeout, anyone?) — if that business has a shady employee who lifts customers’ numbers, they now also have your CVV. And of course, if a fraudster does get a physical card, they have everything they need to start making purchases.

SecureCode prevents unauthorized use in these types of situations because unlike a credit card number, SecureCode isn’t entered on a business’ site or shared over the phone. The SecureCode acts like a PIN between the issuing credit card company and the customer. If the person using the card doesn’t provide the correct code, or doesn’t enter any code, the transaction can’t go through. 

Keep in mind that SecureCode doesn’t take the place of authorization approval; it is simply an additional authentication step. Every card-not-present transaction, no matter how small, will be authorized by the issuing bank.

How SecureCode Reduces Chargebacks

The Complete Guide to Preventing and Winning Chargebacks

We’ve already talked about how SecureCode protects against unauthorized card use. It also provides protection against friendly fraud via chargebacks. 

For a business owner, a chargeback is a loss of revenue (both in terms of the money refunded to the customer and the fees charged by the processor for the chargeback), and too many chargebacks can negatively affect your standing with your credit card processing company. In essence, a chargeback happens whenever a customer files a dispute with their bank, saying that a charge was not authorized by the customer. 

Despite the somewhat innocent-sounding name, friendly fraud can cause a lot of grief. Friendly fraud refers to a type of chargeback that happens when a customer falsely claims they didn’t make a purchase in order to get their money back. They may have changed their mind or filed a chargeback claim directly with their credit card company instead of returning the product to you. Whether the customer’s intent was purposely malicious or not, these types of chargeback claims can be a big problem for any online retailer. They actually account for the majority of chargebacks.

If you’re a merchant, the great thing about SecureCode’s extra authentication step is that it’s much harder for a customer to claim they never ordered from you if they authenticated their purchase with their private code. You can make a stronger case when it comes to proving your customer actually made the purchase, so much of the liability in these types of “friendly fraud” or chargeback cases shifts away from you and to the user and their bank — which means you don’t lose out on the money from that purchase. 

If you want to read up a little bit more on chargebacks and what you can do as an online merchant, visit our post, The Complete Guide to Preventing and Winning Chargebacks.

How SecureCode Improves Cardholder Confidence

blogging

In the past, MasterCard cardholders and merchants alike had some issues with the user experience because SecureCode used a pop-up window. Business owners were rightfully concerned because customers are naturally suspicious of pop-ups. The last thing any business owner wants when they try to improve security is also to increase cart abandonment. MasterCard took these concerns to heart and improved the experience by switching to an inline window rather than a pop-up for the SecureCode authentication. 

Now, the streamlined experience ensures that the entire checkout and verification process is embedded directly in the merchant site. When you offer SecureCode on your site, it gives your shoppers an added layer of security, too. Especially for smaller businesses, having this added layer of security helps to legitimize your site and improve overall confidence. 

More International Buying & Selling Opportunities

As if adding security in an insecure world wasn’t enough, the MasterCard SecureCode program may help you expand your business internationally! When you add SecureCode to your website checkout, you can start processing payments from customers overseas who use  Maestro cards (owned by MasterCard). This factor can potentially help you expand to Europe and other countries abroad where shoppers use debit cards much more frequently than credit. In countries like Germany, Maestro has replaced the Eurocheque system. All of this gives you extra reach when it comes to processing payments.  

Should I Use SecureCode On My Site?

Now more than ever, payment security is the subject of much focus and debate. While customers expect things to be streamlined and convenient, the truth is that they also expect their data to be secure. In a world where the cost of fraud continues to increase, adding solutions to protect everyone involved makes sense— especially when they involve no extra costs for you or your customers. While it may take a few extra moments for a customer to enter in their personal code, authenticating their identity can prevent fraud and save everyone a lot of heartaches (and headaches).

The truth is that merchants are the ones that shoulder the cost of chargebacks and fraud, so finding better solutions to protect yourself, your time, and your sanity is a very smart business move. However, not all eCommerce processors are the same. Some have robust solutions that keep up with the current threats, and some lag behind. I encourage you to take the time to find out what your merchant account is doing for you in regards to security, and if you don’t love it, find something that is better. We have a plethora of resources for you here at Merchant Maverick.

If you want to find a better payment processor that specializes in online businesses, we recommend checking out our post, How To Choose An eCommerce Merchant Account.

The post MasterCard SecureCode: What It Is And How To Use It appeared first on Merchant Maverick.

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What Is PayPal Credit & How Does It Work?

It can be a challenge to keep up with all the different payment services PayPal offers because there are so dang many, and new ones seem to come out all the time. PayPal services also frequently change names as they are rebranded or acquired from other companies.

One PayPal service you might be curious about, as it has generated some buzz lately, is PayPal Credit, formerly Bill Me Later. Read on to learn about this PayPal payment option.

What Is PayPal Credit?

paypal credit logo

PayPal Credit is a line of credit issued by Synchrony Bank. This virtual line of credit functions similarly to a credit card, letting you pay for online purchases in installments, rather than upfront in-full.  Approved PayPal users can use PayPal Credit as a payment option whenever they check out using PayPal, either from a website or at a brick-and-mortar store that accepts PayPal.

Note that PayPal Credit is not the same thing as a PayPal debit or credit card.

How PayPal Credit Works

Best PayPal Alternatives Image

PayPal Credit is easy to apply for and start using. But it’s important that you understand a little bit about how PayPal Credit works before you start using this service.

Applying For PayPal Credit

Any PayPal user can apply for PayPal Credit. If you don’t have a PayPal account already, you will be prompted to create one when applying for PayPal Credit. The application is quick and simple: you only have to supply your date of birth, your income after taxes, and the last 4 digits of your Social Security number. Be warned that PayPal will do a hard credit pull, which might ding your credit score a few points. Typically within seconds, you’ll have your approval answer.

PayPal doesn’t have any clearly stated applicant criteria, but applicants with poor credit or limited credit history may be declined.

Once you have been approved and accept the terms of use, PayPal will give you a credit limit of at least $250. PayPal will periodically review your account and may increase or decrease your credit limit.

Note that PayPal Credit is the new name for Bill Me Later, which has been around for more than 10 years. If you already had a Bill Me Later account, you now have a PayPal Credit account.

Using PayPal Credit

Once you have your PayPal Credit account set up, you can use PayPal Credit in conjunction with your PayPal account anywhere PayPal is accepted. You simply need to set up PayPal Credit as your default “preferred” payment option for PayPal, or select PayPal Credit as your payment option when checking out. Some merchants may also prompt you to pay using PayPal Credit instead of your regular PayPal preferred payment option (which is usually linked to a credit or debit card, or your bank account).

You can manage your PayPal Credit settings using a web browser or with the PayPal app. You can also make payments on your balance and see your current credit limit — just like you would for any credit card app you might already use.

As part of its “Cash Advance” feature, it’s possible to use PayPal Credit to send money to someone online using the Send Money tab, the same way you can with any other PayPal Wallet option. You cannot use this feature to send a cash advance to yourself. However, you can receive a cash advance directly from PayPal Credit if you are a furloughed federal government worker: in January 2019, PayPal announced a program whereby PayPal will extend a one-time 0%-interest cash advance of up to $500 to furloughed federal workers via PayPal Credit.

PayPal Credit Terms & Conditions

PayPal Credit requires monthly payments on your balance. You can make the minimum payment at the end of the month, make payments in any other amount whenever you like, or pay your balance in full at any time, similar to a credit card. For new accounts, PayPal Credit has a variable APR of 25.99% on standard purchases and cash advances (at the time of publishing). Being variable, the APR will fluctuate with the Prime interest rate.

PayPal Credit is currently promoting a 6-months special financing offer, in which you won’t have to pay any interest on purchases of $99 or higher for 6 months. You will be charged interest if you don’t pay the balance in full within 6 months.

To send money (Cash Advance) with PayPal Credit, PayPal will charge a flat fee of 2.9% + $.30 US dollars per transaction. This is the same fee you pay when you use a debit or credit card to send money through PayPal.

To qualify for the 0%-interest cash advance for federal government workers, you’ll need to be a U.S. federal government employee with a PayPal Credit account in good standing. This promotion will end once the government reopens and furloughed workers receive their first paycheck, or the $25 million PayPal has set aside for the program has been exhausted.

PayPal Credit Pros & Cons

Pros of PayPal Credit

  • Fast & Convenient: You can use PayPal Credit to make a purchase as soon as you’re approved (usually within seconds). In comparison, you might have to wait a week or longer for a credit card you’ve applied for to come in the mail.
  • Use Anywhere PayPal Is Accepted: This includes thousands of websites and a growing number of brick-and-mortar stores as well.
  • PayPal Purchase Protection: If your online purchase doesn’t match the description or doesn’t arrive, PayPal will refund the full purchase price plus original shipping costs.

Cons of PayPal Credit

  • Low Credit Limit: Unlike a traditional line of credit, PayPal Credit limits are comparable to or even lower than most credit card limits, with most users’ limits ranging from just $250 to a few thousand dollars.
  • Hard Credit Inquiry: The hard credit pull during the application process will likely ding your score several points.
  • Won’t Help You Build Credit: Unlike a credit card company, PayPal Credit does not report your payment activity (positive or negative) to credit agencies.
  • High APR: You can probably get a better APR with a credit card, especially if you have good credit.
  • Risk Of Overspending: You may be tempted to spend more with PayPal Credit than you would with regular PayPal.*

*Note that this pro/con list is from a PayPal Credit user’s point of view. From a merchant’s point of view, there are no major downsides to PayPal Credit, other than the downsides of using PayPal in general (namely, the high transaction fees). However, a potential upside of advertising promotional financing with PayPal Credit as a merchant that already offers PayPal as a checkout option is that PayPal users typically spend more and make larger purchases with PayPal Credit.

FAQ

Can Businesses Use PayPal Credit?

Short Answer:

Yes, your customers can pay using PayPal Credit as long as your business accepts PayPal payments. But when it comes to using PayPal Credit for business purchases, there are better options available.

Long answer:

Businesses that accept PayPal at checkout can offer customers the option to pay with PayPal Credit, either online or in-store. If you accept PayPal as a payment form, PayPal Credit is already available to customers who check out with PayPal at no additional cost to your business.

When a customer makes a purchase using PayPal Credit, PayPal deposits the full amount of the purchase into your account just as with any other PayPal transaction, so there is no added risk to you as a PayPal merchant; accepting a PayPal Credit payment is the same as accepting any other PayPal payment. However, if you make PayPal sales online, you can promote PayPal Credit financing options on your website, which might be of added benefit to businesses that sell large-ticket items online.

How Do You Get Paid With PayPal Credit?

There are multiple ways you can allow customers to pay with PayPal Credit:

  • PayPal Credit At POS: Some, but not all, point of sale systems allow you to accept in-person PayPal payments. Some examples of PayPal-friendly point of sales include Shopkeep, Vend, and of course PayPal’s own PayPal Here.
  • PayPal Credit On Your Website: If you allow customers to check out with PayPal on your website, PayPal will give you promotional banners that let you advertise financing options to your customers. You can also include a PayPal Credit button to prompt customers who don’t have PPC set up as their preferred PayPal payment method to pay using PayPal Credit.
  • PayPal Credit With Mobile Payments: If you accept Google Pay or Apple Pay at your point of sale, and the customer has PayPal with PayPal Credit set up as their default payment method, customers might pay using PayPal Credit using their smartphone.
  • PayPal Credit With PayPal Invoice: When you send a customer a PayPal Invoice, your customer may use PayPal Credit to pay that invoice.

Of course, only customers who have been approved by PayPal Credit may pay with PayPal Credit, and then only up to the amount of their credit limit. Customers who have set up PayPal Credit as their preferred PayPal payment option will automatically pay for all their PayPal purchases using Credit; customers can also choose PayPal Credit in their PayPal Wallet for individual transactions when presented with this option at checkout.

How Can You Use PayPal Credit For Business Purchases?

Businesses might also potentially use PayPal Credit to make business purchases from merchants or vendors that accept PayPal. However, because it is geared toward consumers, credit limits on this line of credit are on the low side and APRs are on the high side. Unless you have a very small enterprise, you are better off getting a traditional line of credit or business credit card to make business purchases.

As another alternative to making business purchases with PayPal Credit, PayPal also offers small business loans ranging from $5,000 to $500,000 with LoanBuilder: A PayPal Service.

Review

Check Eligibility

Final Thoughts

PayPal Credit can be a convenient option to have in your virtual wallet if you want to the ability to make purchases with PayPal even when you don’t yet have the funds to do so—for example, eBay businesses frequently make purchases using PayPal. Or, you might use PayPal Credit to finance a large one-time purchase such as a refrigerator.

You can also use PayPal Credit to send someone money, even if you don’t have that money in your account. If you own a business and already accept PayPal, promoting PayPal Credit as an online checkout option could result in higher purchases.

However, using PayPal Credit not an effective way to build credit, as PayPal doesn’t report your payments to credit agencies. Plus, you will be charged heavy fees if you don’t pay off your balance at the end of each month (or the end of the 6-month promotional financing period). If you are looking for a larger line of credit to use for your business, you might want to look at our top-rated business line of credit providers. Or if you’re looking for a more flexible credit option with a lower APR, check out this comparison of our favorite credit cards.

The post What Is PayPal Credit & How Does It Work? appeared first on Merchant Maverick.

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11+ Great Shopify Website Examples for Inspiration

Shopify Examples

So you’re considering using Shopify as your online store builder, and you’re looking for Shopify website examples for inspiration and confirmation that you’re making the right choice.

Shopify is one of the biggest names in the ecommerce website builder space. It’s part of a group of turn-key ecommerce (aka “hosted ecommerce”) solutions that provide everything you need to set up and start selling your product(s) to the world, as opposed to you putting all the pieces together yourself.

See Shopify’s Current Plans & Pricing

It’s sort of like hiring a general contractor to build your house, over being the contractor and hiring subcontractors yourself. You’re still in control, but you let the general contractor use their expertise to make the project happen.

Shopify is known for its straightforward user experience, which is great for DIY-ers. All you need to do is pick a Shopify plan that fits your budget and feature needs, point your domain to your store, choose a design/template (you can edit a free one using their drag and drop builder or build one yourself / use a designer), add your content and products, then start selling!

Before we dive into examples of what Shopify websites look like in the wild, there are two things to keep in mind when you’re evaluating a website platform.

First, it’s not just about how the websites look. The functionality matters too.

Think of it like buying a car. You have a make / model in mind, and you’re probably looking to see them drive by on the road to see how they actually look. However, you also care about how they operate. Does it accelerate well? Does it have the hauling capabilities you need? How is the gas mileage?

Looking at a website platform should be done in the same way. We collected the following Shopify examples not just to show you how they look, but how Shopify websites can function so you can be sure you have a website that fits both the style you want and the functionality you need.

Second, it’s not just about how a platform’s website’s look by default. It’s also about how far you can extend a piece of software via plugins, extensions or apps.

Think about it like your phone. Sure, your iOS or Android is great by default. But their “killer app” is the fact that they can have 3rd party apps to do things that iOS or Android alone could never do.

Shopify is similar. They have a a theming language that allows any 3rd party to develop & sell pre-built designs. We collected a few that are purchased themes, and some that are native to Shopify.

Either way – that possibility is something to keep in mind with all these designs. Explore Shopify’s theme options here. Here’s a few Shoipify website examples including examples from general ecommerce, t-shirt stores, dropshipping, and jewelry.

Disclosure – I receive customer referral fees from companies mentioned on this website. All data & opinions are based on my professional judgement as a paying customer or consultant to a paying customer.

General Website Examples

Let’s start with a general round up of solid Shopify website examples. We’ve pulled these examples based on functionality, design, and usability. Again, Shopify can be fairly straightforward to use — they have everything you need to get your shop up and running, minus your products and ecommerce marketing strategy. However, be aware that with this comes trade-offs (i.e. you give up some control, functionality, customization, etc.)

Inherit Clothing

Inherit Clothing

Inherit Clothing’s site is a great example of how built out a “standard” Shopify website can be. Pay special attention to how organized the information on the site is — from the top bar, which for special announcements (like sales, promotions, etc), to the navigation, which is broken down by product category. It’s incredibly easy for a shopper to find exactly what they’re looking for when hitting the homepage, which is one of the hallmarks of a great ecommerce site.

Rocky Mountain Bikes

Rocky Mountain Bikes

On the opposite side of the spectrum is this Shopify website example, which shows what a custom designed Shopify site looks like. Rocky Mountain Bikes isn’t using a theme for their website design, but has created an entirely custom look and feel instead. We especially liked their product page, which goes into extreme detail on bike specs, functionality, and even shows how the bike operates by including a video. If you’re looking to create something entirely unique for your store and need advanced product page functionality, this site is a great place to start for inspiration.

Explore Similar Shopify Templates!

T-Shirt

Online t-shirt shops are all the rage, and Shopify is an incredibly popular platform for these stores. Like any apparel website, you’ll want to make sure your t-shirt site includes high quality product photos, shipping and return information, and an easy checkout process. You’ll also want to be sure your website platform fits your needs in terms of order processing functionality, payment integrations, etc. Here are a few Shopify t-shirt website examples to use for inspiration:

Bird Fur Tees

bird fur

The first thing that stood out to us on this t-shirt website is the homepage. As soon as you get to the front page, you know immediately what the shop is and what their products look like. Bird Fur’s tagline (t-shirts for people) immediately tells visitors what the company is selling and the image carousel underneath is a great way to show the shirts “in the wild” vs. just standard product photos that only show the shirt.

Speaking of product photos, notice how Bird Fur uses bright, high-quality images to showcase their products. The grid pattern below the homepage are colorful, clear, and also gives visitors a way to shop directly from the homepage. Remember that an ecommerce homepage should be easy to navigate and give visitors a clear path to what they’re looking for. By featuring popular products on the homepage of your t-shirt site, you’re giving shoppers an immediate opportunity to browse and add to their cart.

Another feature to call out is this site’s “These are cool too..” section, which shows related products that visitors may like.

Bird fur related products

Showcasing additional products is a great way  to keep shoppers browsing for related items they may not have considered before!

Explore Similar Shopify Templates!

Parks Project

Parks Project

Parks Project initially  started as a t-shirt company and then expanded into other apparel categories. We pulled this Shopify example to show how t-shirt companies with a larger mission (i.e. to save national parks) can utilize their shop to bring awareness to their cause.

At the time of writing this article, Parks Project is using their homepage for a special announcement regarding the government shutdown and how it’s affecting national parks. The How to Help button takes you to a page that tells you more about Parks Project mission and how you can help.

Underneath this section is a “Favorites” category, where Parks Project showcases their most popular products. This is a great way to promote products across different categories, and a format to keep in mind if you’re planning on expanding your t-shirt shop one day.

Parks Project Favorites product organization

Rock City Outfitters

Rock City Outfitters

This Shopify t-shirt website example is all about displaying the most crucial information upfront. Check out the 15% off discount functionality Rock City Outfitters use. A coupon is a great way to capture shopper’s email addresses. It also gives you a way to follow up with them with promotions (without having to spend thousands on advertising!).

The search functionality in the top right is also a great way to provide a solid user experience. Let’s say a visitor is familiar with your shirt shop and wants to find a product immediately. Having a search bar helps them get to their destination quickly, without having to navigate through product pages.

Lastly, Rocky Mountain Outfitters is a great example of a t-shirt website that uses a bold and loud design without being overwhelming. Remember that a “clean” design doesn’t have to mean boring. It just means that your visitors can easily find what they’re looking for and that your information is clear.

Explore Similar Shopify Templates!

Jewelry

Shopify is also a popular choice for jewelry websites and online boutiques. Just like t-shirt shops, a jewelry website should focus on strong product images and descriptions, easy navigation, and a simple checkout process. You’ll also want to be sure you include information like shipping and return policies and jewelry care. Here are a few examples of Shopify jewelry websites for inspiration:

Shore Projects

Shore Projects

If you’re needing to feature customization on your site, this jewelry website example from Shore Projects is a great place to start for some inspiration. Shore Projects allows for custom watch faces and bands. It has functionality on the site that shows you how the different combinations look. We especially liked the different product shot angles, which change which every band / watch face combination.

Explore Similar Shopify Templates!

MVMT

MVMT watches

If you plan on using Instagram in your marketing strategy, this Shopify jewelry website features a neat integration that could come in handy: Shop Our Instagram. It features photos from MVMT’s Instagram profile and gives users the option to shop the look from the photos. When you click on a photo, it triggers a pop-up product page for the product featured in the photo with product specs, an add to cart button, and the option to see the original post on Instagram and/or Facebook.

Biko

Binko

Not all websites needs to be design masterpieces. Biko is a great example of a clean, organized Shopify jewelry website that is well designed without being overly complicated. In fact, the minimalist design keeps the shopper focused on the product photos, simple navigation, and ultimate goal: checkout!

Explore Similar Shopify Templates!

Dropshipping

Not only is Shopify a popular website builder option for ecommerce business, but it’s also particularly popular among dropshippers (a retailer who sells inventory they don’t own until they have the order). Shopify has an API that allows dropshippers to sync with their AliExpress account (or other 3rd party managers like Oberlo), which provide products for dropshippers. Here are a few Shopify dropshipping website examples for inspiration:

TrendyGoods

TrendyGoods

This website is a great example of a dropshipping Shopify site that doesn’t have a specific product category, but sells a variety of viral goods and niches down with platform popularity (Facebook). Notice how TrendyGoods organizes their product categories at the top of the page with icons and shows Facebook views underneath each product. It’s a unique way to organize products that are unrelated without making it messy.

Explore Similar Shopify Templates!

TurninGear

Turning Gear

On the opposite side of the spectrum is Turning Gear, a dropshipper who specializes in fishing equipment. Notice how their products are organized by product category: reels, lines, lures, etc. We also liked the bottom banner underneath the header image that shows shipping information, customer service info, and their location. This Shopify website also uses product pop-ups, which show the most recent products purchased to spur urgency.

Chakra Collective

Chakra Collective

Here’s another Shopify dropshipping website example, Chakra Collective. What stood out to us about this site was the uniformity of the theme. It actually looks like a traditional fashion line, rather than a dropshipping website. If you’re looking to create a consistent brand with your dropshipping business (like a niche fashion businesses), this website is a great place to start for inspiration.

Explore Similar Shopify Templates!

Next Steps

At the end of the day, choosing the best ecommerce website platform goes far beyond design. Why? Because all web pages are made of HTML & CSS with a few scripts thrown in. This means that any website template can exist on any good web platform.

What YOU want to focus on is the design elements and functionality that are available on the platform you’re choosing.

If you feel like Shopify fits the design and functionality needs you have for your ecommerce website, you can explore Shopify plans here.

Not sure if Shopify is a right fit? Read my Shopify review and explore other Shopify alternatives here.

The post 11+ Great Shopify Website Examples for Inspiration appeared first on ShivarWeb.

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Find The Best eCommerce Website Builder For Your Business

When opening an online store, one of your most important tasks is finding the right website builder. In truth, selecting the proper software fit for your needs can make or break your whole operation. It goes without saying (but we’ll say it anyway, because it’s our job) that a small online shop offering its own home-based inventory has different software requirements than a large network of websites offering thousands of products sourced from all over the world.

To assist in your search, we’ve rounded up the top ecommerce software contenders. Two of our recommendations (Wix and Squarespace) began as traditional website builders for business or personal use, but have since added ecommerce capability. The others are ecommerce shopping carts at their core but have also made advanced online storefront-building capacity a major feature of the service. These include Shopify, BigCommerce, and 3dcart.

Shopify BigCommerce 3dcart Wix Squarespace

3dcart

Review Visit Site

Review Visit Site

Review Visit Site

Review Visit Site

Review Visit Site

Monthly Cost

$9 – $299

$29.95 – $249.95

$19 – $229

$25 – $40

$26 – $46

eCom Features

Excellent

Excellent

Excellent

Good

Good

Ease Of Use

Very Easy

Easy

Moderate

Very Easy

Easy

Web Design

Great

Good

Good

Excellent

Excellent

Customer Support

Great

Great

Good

Good

Good

In recommending these particular sitebuilders, we should note that our focus is on the DIY end of the website-building spectrum. If, on the other hand, you are confident in your coding skills (or can hire a dedicated developer) and prefer the infinite flexibility of an open-source platform for frontend design and content creation, you might try a CMS like WordPress to use in conjunction with a shopping cart plugin, such as WooCommerce or Ecwid.

However, if you’re looking for an all-in-one, fully-hosted, and simpler-all-around system for online store-building, you’ve come to the right place. The great news for you is that the online storefront creation and editing capabilities of the all-inclusive platforms we’ll highlight in this roundup have only improved over time.

How To Choose An eCommerce Website Builder

If you haven’t shopped for an ecommerce platform before, the first step is to become oriented with this type of software so you know what you’ll be examining in the first place. Fortunately, each sitebuilder we’ll cover here offers some sort of free trial, so you’ll have the opportunity for hands-on experience with the software before making a final selection.

Here are the main things you should consider when choosing ecommerce software:

Cost

  • Monthly Subscription: Most DIY sitebuilders these days are SaaS (Software as a Service), so check for the monthly cost of each plan level, which features are included at each price point, and any plan limits such as number of products you can list, revenue caps, etc.
  • Per Sale Commission: Some ecommerce sitebuilders charge a percentage commission per sale under certain circumstances, so investigate if and when this extra fee might apply to your store.
  • Add-On Features: Many features may only come as add-ons from an app marketplace. While some add-ons are free, other apps you may want to integrate with your store (like shipping, marketing, or accounting software) are fully-fledged SaaS platforms with their own monthly subscriptions.
  • Payment Processing: You’ll need to connect an online payment gateway to your store — usually a third-party processor like Stripe or PayPal — to accept payments from customers, so check out the available options that work with the platform in your country, and the processing rates charged.
  • Design Template: Some website templates come free with the software, but premium themes typically have a one-time purchase cost.
  • Web Development: While most ecommerce sitebuilders are DIY when it comes to getting things up and running, you may still decide to hire a developer or designer to fine-tune your site at some point.

Website Design

  • Template/Theme Options: Browse the theme marketplace and get a feel for several templates you could see yourself using.
  • Customization Options: Go beyond admiring templates and work with a few yourself. In particular, explore the storefront editing tools that come with the software. Look to see if and how you can move elements within page layouts — there are varying degrees of flexibility in this area.

Features

  • Admin Features: Look at the options for configuring storewide settings such as shipping methods, currencies, languages, tax calculation, and sales channels. Also, consider the ways in which you’ll be able to manipulate the specifications for individual products (pricing, SEO data, discounts, product variants/attributes, etc).
  • Storefront Features: This includes how products are displayed, organized, and marketed to customers on your site, as well as all aspects of the checkout experience.
  • Quantity VS Quality: Just because a certain feature exists, doesn’t mean it’s very robust or will work well for your needs. Similarly, you don’t want to get bogged down with (nor pay for) a bunch of features you don’t need.
  • Fit: Do the available features cater well to your business type, size, location, etc?
  • Scalability: Online stores grow in different ways, so it helps to anticipate how your operation will most likely expand over time. Growth dimensions, like number of products and their variations, number of staff accounts, file storage, revenue, marketing needs, and traffic levels, are often handled differently by different platforms.

Ease Of Use

  • Onboarding & Store Setup: All the software apps we cover in this article falls under a larger umbrella of “easy to get started,” but pay attention in your free trials to exactly how self-explanatory each step is, and to any additional guiding resources that are available.
  • Dashboard Navigation & Feature Manipulation: Check your level of comfort with both finding and manipulating features like inventory and order management, discount creation, etc.
  • Simplicity VS Flexibility: User-friendliness is a good thing, but make sure that the tools you need aren’t so basic that they can’t accomplish precisely what you want them to.
  • Coding Skill Requirements:  In most cases, the basics of admin and storefront customization will be covered without coding, but advanced customization can require advanced knowledge. Do your best to push the limits of non-coding customizability during your trial.
  • Tech Support: Know what resources you’ll have if you get stuck or if something goes wrong with your site. Since online stores operate 24/7, you’ll probably want at least one support channel (email/web tickets, live chat, or phone) that’s open 24 hours.

Between your own testing experiences, perusing the software’s website, reading reviews (like ours!), and interacting with customer service to answer any lingering questions, you should have a very good handle on how a particular sitebuilder will work for your online store before coughing up a single cent in subscription fees.

Now, let’s take a look at some software! We can’t cover absolutely everything we’ve discussed above (check out our full reviews of the software for more info), but we’ll hit some key points to help guide your choice.

1. Shopify

Pricing & Payment Processing

While there is a $9/month Lite plan with Shopify, you’ll need to sign up for the Basic plan ($29/month) or higher to build a full ecommerce website using the software. As you continue upward in plan level, you’ll see a few added features and the option to increase your number of staff admin accounts. Here are the subscription options:

  • Shopify Lite: $9/mo. Embeddable cart, but no standalone store website.
  • Basic Shopify: $29/mo.
  • Shopify: $79/mo.
  • Advanced Shopify: 299/mo.
  • Shopify Plus: Custom pricing. Reserved for enterprise-level customers.

You have over 100 gateway possibilities for accepting payments from your customers with Shopify, but note that if you don’t use the in-house option — Shopify Payments, powered by Stripe — you will be charged an extra Shopify commission per sale of up to 2% on top of the card processing fee from your payment gateway. On the flip side, if you do use Shopify Payments, you’ll receive a processing discount (i.e., pay less than the going rate for Stripe on its own) on the Shopify and Advanced Shopify plans.

We’ve put together a complete breakdown of Shopify Payments, and I’d definitely recommend reading that before you sign up for Shopify. For now, just remember that you’ll face an extra transaction fee from Shopify if you don’t use Shopify Payments.

Shopify also has one of the most extensive app stores you’ll find among SaaS ecommerce platforms. This can be a great resource for your store, but be careful to take the added cost of the apps you might need under consideration as you evaluate pricing.

Ease Of Use

Shopify users appreciate how easy it is to jump right in and start selling with the software. Once you open your free 14-day trial, your dashboard guides you toward a few steps to begin setting up your store:

Our tests of both admin navigation and individual feature manipulation have demonstrated that everything is easy to find and use. If you do run into problems, Shopify offers phone, email, and live chat support 24/7 at all subscription levels — a rare support trifecta amongst ecommerce website builders. The company has also curated an impressive library of self-help articles, videos, and even full online courses. All in all, Shopify earns an A+ for user-friendliness.

Web Design & Editing

Theme Options:

Choose from 10 free themes (made by Shopify) or 60 paid themes for $140-$180, most with multiple style variations. Even the free themes are good quality, and I’m always struck by the pleasant experience of shopping in the theme store. When a shopping cart platform is good at showcasing its own products, this gives me confidence in its ability to serve the needs of ecommerce sellers who are trying to accomplish this exact same task with their own products.

Editing Tools: 

To move elements around on your site’s pages, you’ll have access to a drag-and-drop tool called “Sections.” It’s not as flexible as the visual editors from traditional sitebuilders like Wix and Squarespace, which allow more freedom of placement, but you can at least add, subtract, and change the order of elements. You can also change fonts and colors under “Theme Settings.”

If you wish to further customize your theme, you’ll need to learn Shopify’s own templating language called Liquid. This open-source language is written in Ruby and is the backbone of Shopify templates. Of course, you may not need to further code your Shopify theme at all — we just always like to include the heads up in case.

Features

While Shopify has a strong, highly-capable core feature set, advanced features often come as add-ons (even free ones) to keep the base platform streamlined and easy to use. Here are some of the Shopify features we like:

Admin

  • Unlimited products, bandwidth, and storage on all plans
  • Built-in shipping software (Shopify Shipping)
  • Manual order creation (virtual terminal)
  • Shopify POS & other POS integrations
  • Extensive order fulfillment & dropshipping integrations
  • Extensive sales channel & marketplace integrations (eBay, Etsy, Amazon, Google Shopping, etc.)
  • Mobile store management via Shopify App

Storefront & Checkout

  • Checkout on your domain
  • Real-time shipping calculations
  • Automatic tax calculation
  • Coupons, discounts & gift cards
  • Abandoned cart recovery
  • Expedited checkout with Shopify Pay

Along with the features we’ve highlighted above, check individual templates for special storefront features such as parallax scrolling, customer testimonials, social media feeds, and more.

Best Fit

From an overall software quality standpoint, it’s hard to go wrong with Shopify. This platform remains our default recommendation for the typical online seller who wants to quickly launch an attractive and functional store, but who also hopes for a scalable solution that easily accommodates growth in product listings and store revenue. As far as shopping cart software goes, it’s also one of the easiest platforms to use.

Shopify not-so-subtly guides you toward using Shopify Payments as your processor by rewarding you with reduced processing fees if you do and punishing you with an extra commission per sale if you don’t. If you’re not in one of the 10 locales currently supported by Shopify Payments or don’t qualify to use the processor for another reason (such as risk level or type of products sold), you should probably take a closer look at some of the competing ecommerce platforms as well.

2. BigCommerce

Pricing & Payment Processing

Each bump in subscription level with BigCommerce gives you added features, but also implements annual revenue caps. Meanwhile, BigCommerce never charges an additional commission per sale, regardless of which payment processor you choose. You’ll have around 60 payment gateway options, one of which is Braintree (a division of PayPal), which gives access to discounted processing rates as you move up the BigCommerce subscription ladder.

Here are the plans, all of which allow you to create a full ecommerce storefront:

  • Standard: $29.95/month (sell up to $50K/yr.)
  • Plus: $79.95/month (sell up to $150K/yr.)
  • Pro: $249.95/month (sell up to $400K/yr.)
    • add $150/mo. for every additional $200K/yr. in sales, up to $3M
  • Enterprise: Custom pricing

BigCommerce also offers an app store with hundreds of connections to ecommerce-related software and feature plugins. While this platform attempts to include a few more native features than Shopify, you should still be aware of the cost of additional integrations purchased through the app marketplace.

Ease Of Use

BigCommerce offers a 15-day free trial (probably just to one-up Shopify by a day). The admin dashboard you’ll encounter upon signup is arranged in a standard ecommerce fashion — navigational menu on the left, tips to get started on the right:

I would qualify BigCommerce’s backend as quite intuitive to use, although you might find it slightly more complex and detailed than Shopify’s interface. Part of this comes down to personal preference and experience, though. If you happen to run into a snag, BigCommerce offers 24/7 phone, email, and live chat support at all plan levels, as well as good documentation and community forums.

Web Design & Editing

Theme Options:

With over 120 themes (and multiple style variations per theme) available at the BigCommerce theme marketplace, you’re bound to find a good match for your store. Seven of the themes are free, and the rest range from $145 to $235 each.

Editing Tools:

Theme editing with BigCommerce is more restricted than with Shopify. The visual editor (now called Store Design) lacks a drag-and-drop component, for example. In other words, you should carefully choose a template you really like, because you are stuck with its basic format. Alternatively, you can add a page builder app from the marketplace with drag-and-drop capability, but just be careful to factor in the added cost. You can also make customizations with HTML and CSS if you’re skilled in these areas.

Features

As always, check which features are included with each subscription level (and which come as apps), but take a look at a few of BigCommerce’s standout features:

Admin

  • Unlimited products, storage, & bandwidth
  • Unlimited staff accounts
  • Sell digital and service-based products without adding an app
  • Support for numerous product variations
  • Manual order creation & editing (virtual terminal)
  • Square POS integration
  • Marketplace integrations (Amazon, eBay, etc)
  • Shipping label printing (USPS) and discounts
  • Complimentary Avalara AvaTax account
  • Customer segmentation with loyalty program capability
  • Multiple SSL certificate options (shared, dedicated, custom)

Storefront & Checkout

  • Single-page checkout
  • Real-time shipping quotes
  • Product ratings & reviews
  • Coupons, discounts, & gift certificates
  • Faceted/filtered product search
  • Abandoned cart recovery
  • Public & private wish lists
  • Recently viewed products
  • Akamai Image Manager & Accelerated Mobile Pages (AMP)  for mobile-friendliness
  • Integrate consumer financing options at checkout

Best Fit

BigCommerce strikes a good balance between ease-of-use and powerful out-of-the-box functionality, which we think a lot of online sellers will appreciate. Individual feature quality is also quite robust. Like Shopify, BigCommerce works for a wide variety or catalog sizes and scales well. However, if you have a nuanced catalog with a lot of product variations or custom fields, and like being really hands-on with your product SEO, you might be drawn to BigCommerce.

BigCommerce is also a great option to consider if you want or need the freedom to choose a payment processor without the “threat” of extra transaction fees if you don’t select an in-house option. If you’ve already looked at Shopify but need more flexibility when it comes to payments, definitely check out BigCommerce as an alternative.

3. 3dcart

3dcart

Pricing & Payment Processing

3dcart shares pricing structure components with both BigCommerce and Shopify. Like BigCommerce, 3dcart subscription packages have revenue caps. Another similarity is that 3dcart never charges its own fee per sale (and over 160 compatible payment gateways are available, some with discounted processing rates at higher subscription levels).

Like Shopify, you get more staff accounts at each 3dcart level. And, like both Shopify and BigCommerce, each step in plan offers a few additional features.

Do also note that the Startup plan with 3dcart has an item limit of 100 products. Here’s a quick pricing summary:

  • Startup: $19/month (sell up to $50K/yr and list 100 products.)
  • Basic: $29/month (sell up to $100K/yr.)
  • Plus: $79/month (sell up to $200K/yr.)
  • Pro: $229/month (sell up to $400K/yr.)
  • Enterprise: Custom

For building a complete online storefront with the software, 3dcart comes in at a lower starting price than both BigCommerce and Shopify (at just $19/month). You’ll also note that the 3dcart $29 plan accommodates twice the annual store revenue of the $29.95 plan on BigCommerce. For these reasons, 3dcart is often considered a less expensive choice.

3dcart boasts a lot of built-in features, but watch out for the ongoing monthly cost of software integrations for shipping, accounting, and other services available in the 3dcart app store.

Ease Of Use

3dcart also comes with a free 15-day trial (and if you think everyone’s just copying each other on this, 3dcart has been around the longest!). The dashboard functions just like those of the other two ecommerce platforms we’ve discussed so far, but some advanced features are built-in modules you must find and turn on to use.

While 3dcart is easy to use, it is definitely more complex and layered than Shopify or BigCommerce. You may find, however, that you appreciate the flexibility and advanced capability of 3dcart’s features. Tech support is available 24/7 via phone, live chat, and email, but note that you must be on the $29/month plan to access phone support. The community forums are also helpful, and the knowledgebase provides step-by-step articles on most of the important features.

Web Design & Editing

Theme Options:

3dcart offers just shy of 50 themes in its marketplace, and close to half are free. The rest are $150-$200.

Editing Tools: 

If you want to customize your theme, you can make color, content, and some typography changes in the visual editor, but more significant changes require tweaking HTML and CSS. In other words, there is no drag-and-drop capability. My overall hunch is that 3dcart expects most users to eventually tinker with the code if they really want to hone their designs.

Features

Below is just a sampling of 3dcart’s features — be sure to check the website for the full breakdown by plan:

Admin

  • Unlimited product options/variants
  • Inventory & order management
  • Dynamic, unlimited product categories
  • Return management
  • Manual order creation & editing (virtual terminal)
  • Advanced SEO tools
  • Create/print shipping labels from multiple carriers
  • Multichannel selling
  • Email marketing & drip campaigns
  • Unlimited email hosting
  • Built-in CRM
  • Built-in iPad POS software (or integrate with Square POS)
  • Built-in B2B selling features

Storefront & Checkout

  • Single-page checkout
  • Real-time shipping calculations
  • Gift certificates (on all plans)
  • Wide variety of discount/coupon types
  • Daily & group pricing deals
  • Make-an-offer pricing
  • Offer financing options
  • Wish lists & gift registries
  • Reviews & product Q&A
  • Waiting list & pre-orders
  • Gift wrap
  • Loyalty program & rewards points
  • Abandoned cart recovery

Best Fit

In some ways, we’ve been climbing up the ladder of built-in complexity as we’ve progressed through this software roundup so far. The tradeoff between simplicity and flexibility starts to lean more noticeably toward the flexibility side when we arrive at 3dcart. I think it’s safe to say that 3dcart works well for users who are perhaps not coding experts, but still fancy themselves on the generally tech-savvy end of the spectrum. While still easy to use in the grand scheme of things, this platform requires a bit of initiative on the part of the user to take full advantage of what it has to offer.

Starting at just $19/month, 3dcart is also a cost-effective option for sellers on a tight budget who still require workhorse-style ecommerce software underpinning their websites (versus a traditional website builder with added ecommerce capability). Speaking of budgets, 3dcart is also a great option for sellers who may feel Shopify’s software is a good fit, but are stuck with an extra transaction fee because they can’t use Shopify Payments. With well over 100 options at 3dcart, you’re bound to find a compatible processor that suits your needs.

4. Wix

Pricing & Payment Processing

To create an ecommerce website with Wix, you’ll need to sign up for one of the “Business” plans designed for online sellers. As is common with traditional website building software, Wix advertises a monthly price for plans when paid annually, rather than a true month-to-month price. We like to focus on with the month-to-month price, so you can better compare between platforms:

  • Business Basic: $25/month (20GB storage)
  • Business Unlimited: $30/month (35GB storage)
  • Business VIP: $40/month (50GB storage)

If you decide to pay annually, the above prices drop to $20, $30, and $35, respectively. (To be fair, all the platforms in the article offer some type of discount for paying annually — it’s all a matter of advertising strategy). The package levels are defined by file storage, customer support, and whether or not email marketing campaigns are included. 

Wix never charges an extra commission per sale, regardless of which of the close to 20 gateway options you select for accepting payments.

As we’ve mentioned with the other software platforms we’ve discussed so far, you may want to add some apps to expand what your site can do. Wix apps often have both free and premium versions, so just confirm which type will work for your store so you can accurately calculate your true monthly costs.

Ease Of Use

You can dive right in and start testing Wix for free as long as you’d like — you just can’t start accepting payments through your store until you sign up for a paid plan. At that point, you have 14 days to cancel and receive a full refund on your subscription fee if you change your mind.

There are two ways to get a site started with Wix. You either let Wix ADI (Artificial Design Intelligence) create a website for you by asking you a series of detailed questions about your business, or you select a pre-made template and go from there. Either way, the ecommerce portion of your site is built on the Wix Stores app, which seamlessly integrates into the rest of your dashboard:

The backend ecommerce features of Wix are very easy to use, if sometimes not quite as powerful or flexible overall as the features of the other shopping cart software we’ve discussed so far. Wix actually takes user-friendliness to a whole new level by incorporating several visually-engaging interfaces that carefully hold your hand through important processes such as setting up email campaigns, creating discounts, configuring SEO for your site, and more. On a personal note, I really enjoy using Wix for this reason.

If you still need extra help, phone support is available Monday-Friday from 5AM-5PM PT on all plans, or you can submit an email ticket 24/7. Online self-help resources are good quality, but not as extensive in the ecommerce department as those you’d find for a platform like Shopify.

Web Design & Editing

Theme Options:

Approximately 80 templates offered by Wix are built upon the Wix Stores app, but it’s easy to add the app to any of the 500 or so templates offered. Happily, all templates are included free with a Business subscription to Wix. And, as you might expect from a platform that specializes in frontend design, your options are very elegant and modern.

Editing Tools:

While you can’t switch templates midstream with Wix, you have loads of flexibility in customizing what you’ve chosen. The drag-and-drop capability of Sections in Shopify pales in comparison to the “place anything anywhere” possibilities with Wix. Use the gridlines as a guide to ensure your site is mobile-friendly, and away you go:

If, on the other hand, you decide to have your base website constructed for you using Wix ADI, you’ll have access to a theme editor that’s more in line with Shopify’s drag-and-drop system:

I think one common path to design customization with Wix is to have Wix ADI create a base site to begin with, and then shift over to the more flexible Wix Editor for fine-tuning. You just can’t go back to Wix ADI and its simpler editor once you’ve made the switch.

Features

Once again, we’re just including a sampling of key features here. Most of those listed below are available on all three Wix Business plans:

Admin

  • Unlimited products & bandwidth
  • Sell physical, digital and service-based goods
  • Up to 6 options and 300 variants per product
  • Inventory & order management
  • Send & manage invoices
  • SEO tools
  • Track traffic with Google Analytics
  • Personalized email address that matches your domain/brand
  • 20 email marketing campaigns (100,000 total emails/mo) included in subscription
  • Customizable, automated email & chat responses
  • Mobile app for store management
  • Integrate with Square POS
  • Free stock photo library

Storefront & Checkout

  • Checkout on your own domain
  • Offer discounts & coupons
  • Customizable product sorting & filtering
  • Customer login/member area
  • Multilingual storefronts
  • Multifunctional sites (including bookings, event management, restaurants, etc)
  • Live chat with customers
  • Advanced frontend design features

Best Fit

We love Wix as a solution for stores with aesthetically-nuanced products. as well as for brands that highly prioritize visual quality and uniqueness overall. Those who feel boxed in by the somewhat limited design customization options of ecommerce platforms like Shopify will appreciate the freedom to fine-tune everything about the look and feel of their online storefronts, as well as their communication and marketing materials — all without touching a line of code. And, for those who want a visually-unique site with minimum effort, Wix ADI can hold your hand every step of the way.

If you are thinking of scaling to offer a very large number of products, or wish to significantly expand your shipping and fulfillment needs over time, Wix probably isn’t your best choice. Meanwhile, we think a lot of multifunctional businesses (like hotels, restaurants, photographers, artists, musicians, bloggers, etc.) who also want to sell a few products online will love the seamless integration of a native ecommerce app into their dashboards.

5. Squarespace

squarespace

Pricing & Payment Processing

Similar to Wix, Squarespace leads with pricing figures that assume you’ll pay for a complete year at a time. Adjusted for true-month-to-month costs, here are the Squarespace plans with fully-integrated ecommerce functionality:

  • Business: $26/month
  • Commerce Basic: $30/month
  • Commerce Advanced: $46/month

There’s a pretty big jump in the number of features between the Business and Commerce Basic plan, and a smaller jump in available features to Commerce Advanced. Another difference between the Business Plan and the two Commerce plans is that the Business plan comes with a 3% Squarespace commission per sale. If you’re serious about creating an ecommerce website with Squarespace, it will likely be worth it to have a Commerce package for the additional ecommerce-specific features and the elimination of the extra transaction fee. Meanwhile, you only get two payment gateway options with Squarespace (Stripe and PayPal), which will also charge their own transaction fees.

Squarespace doesn’t have an app store — any third-party integrations come already connected to your store. However, when activating one of these connections, you should be aware that some of them do have premium versions with ongoing monthly costs. ShipStation and MailChimp are two good examples.

Ease Of Use

Squarespace offers a 14-day free trial. If your trial expires before you upgrade and you haven’t made up your mind yet, you can simply create another trial site under the same registration email.

Before you reach the dashboard, you’ll need to select a template (but you can change it later). You’ll see a few ecommerce-geared options first if you enter “to sell” something as your site’s purpose. Unlike any of the ecommerce sitebuilders we’ve discussed so far, your admin dashboard incorporates a frontend preview on the right:

I find it a little difficult to start adding products with Squarespace — you have to create a separate product page first, and the software doesn’t do a great job explaining this. Once you conquer this initial hurdle, however, the overall learning curve for ecommerce functions is relatively small.

I also like all the direct links to applicable support articles within the dashboard that guide you directly to the right knowledgebase article if you become stuck. Squarespace email support responds 24/7 and is quite effective, but the tradeoff is that there’s no phone support offered. Meanwhile, live chat is available Monday-Friday 4AM-8PM Eastern time.

Web Design & Editing

Theme Options:

Squarespace offers approximately 90 themes grouped into 21 families. Since you’ll eventually be adding some sort of product page no matter what, any of them can be used for ecommerce, even though some are specifically suggested for online stores.

As far as traditional website builders go, the sheer variety of templates is low, but the quality is high. We’re looking at a carefully-curated selection of polished, classy, streamlined designs offered by Squarespace:

Editing Tools:

Squarespace lands somewhere in between Wix and Shopify when it comes to the amount of freedom you have to drag-and-drop page elements. You can add and arrange large sections up and down each page, insert various types of “content blocks” (including spacers and lines), and adjust the alignment of pieces within those blocks to a certain extent. Fonts and colors are also adjustable, but often exist as site-wide style settings in order to maintain a unified look.

In summary: Squarespace offers more no-code design flexibility than Shopify and less than Wix. However, if you’re comfortable adding CSS to your site, there’s an easy CSS editor available.

Features

Below are some Squarespace features that caught my eye. A handful of these features (i.e., abandoned cart recovery, gift cards, and subscription payments) are only available on the Commerce Advanced plan. Always check the full and most complete breakdown by plan on the company website!

Admin

  • Unlimited products, bandwidth, and storage
  • Sell physical, digital, and service-based products out-of-the-box
  • Unlimited staff contributors on all ecommerce plans
  • G Suite integration (full year free)
  • Shipping & accounting integrations
  • Inventory & order management
  • Set store manager permissions
  • Mobile app for store management
  • Logo creation software
  • Commerce analytics & reports
  • Advanced image/photo management & editing

Storefront & Checkout

  • Checkout on your domain
  • Customizable checkout forms
  • Promotional banners & pop-ups
  • Offer gift cards
  • Offer subscriptions to products & services
  • Accept donations
  • Offer coupon codes and discounts
  • Real-time shipping rates from multiple carriers
  • Abandoned cart recovery
  • Guest checkout & customer accounts
  • Express checkout for single-product stores

Best Fit

The target audience for Squarespace amongst ecommerce website owners overlaps significantly with Wix’s demographic. Both sitebuilders are great for smaller product catalogs with visual interest, but Squarespace is nice if you specifically want a posh, classy, or even minimalist vibe for your store. This sitebuilder is also great for those who enjoy the freedom to easily tweak a design but don’t feel hemmed in by a bit of built-in structure for ensuring a consistent style overall.

As far as standard ecommerce features go, it’s a tough call between Wix and Squarespace. The two platforms take a slightly different approach, so you’ll have to decide which features are a priority to you. For example, if you want an abandoned cart recovery tool and the ability to connect with popular third-party apps like accounting and shipping/fulfillment software, Squarespace will suit you better. I’d recommend skipping over the Business plan and going straight for one of the Commerce plans if you’re at all serious about selling.

Quick Pricing Comparison

Before I share my final thoughts on choosing the best ecommerce website builder for your store, here’s a quick rundown of the monthly subscription costs for each of the platforms we’ve discussed:

Pricing Levels Differences Btwn. Levels

Shopify

Lite: $9/mo.

Basic: $29/mo.

Shopify: $79/mo.

Advanced $299/mo.

Plus: Custom

  • Available features
  • Number of staff accounts
  • Shopify’s commission per sale

BigCommerce

Standard: $29.95/mo.

Plus: $79.95/mo.

Pro: 249.95/mo.

Enterprise: Custom

  • Available features
  • Annual store revenue

3dcart

Startup: $19/mo.

Basic: $29/mo.

Plus: $79/mo.

Pro: $229/mo.

Enterprise: Custom

  • Available features
  • Annual store revenue
  • Number of products
  • Number of staff accounts

Wix

Business Basic: $25/mo.

Business Unlimited: $30/mo.

Business VIP: $40/mo.

  • Storage
  • Customer service
  • Available features

Squarespace

Business: $26/mo.

Commerce Basic: $30/mo.

Commerce Advanced: $46/mo.

  • Available features
  • Squarespace’s commission per sale

Remember that traditional website builders like Wix and Squarespace typically lead with “when paid annually” pricing, so we’ve adjusted the figures to reflect the cost if you pay month-to-month. All five services offer some sort of discount if you pay for at least a year upfront.

Final Thoughts

If you’ve made it this far, I hope you’re excited about test-driving one or more of these ecommerce website builders. My guess is that you’ll probably figure out if you’re in the Shopify/BigCommerce/3dcart or the Wix/Squarespace camp first, but there’s no reason you can’t check out both types of software.

That said, anyone planning to scale their product and sales numbers dramatically over time should probably stick with one of the three ecommerce workhorse platforms. There’s a reason sitebuilders like Wix and Squarespace cap their ecommerce plan subscriptions at under $50/month, while platforms like 3dcart, BigCommerce, and Shopify can charge upwards of $200 per month for their best ecommerce packages. You’re usually paying for a larger quantity and better quality of features that help you manage the complicated logistics of selling online.

It’s a safe bet, in this case, to use pricing as a general guideline for the ability to shore up and scale your backend functions as your store grows by various dimensions. Still, Wix and Squarespace would not be included here at all if they weren’t both excellent options for smaller stores.

The thing that’s hard to nail down in a summary article like this is the quality and usefulness of the features you’ll need for your store. By listing a few highlights for each sitebuilder, we’re just giving you a flavor of the software. While we can confidently say that all the platforms in this article cover the “basics” of running an online store, that assurance is no substitute for your own experience. If you’re still stuck or confused after your research and testing, turn to the platform’s customer service and sales support for clarification. You need a good excuse to put those support systems to work before signing up anyway, so go for it!

Happy software testing!

Shopify BigCommerce 3dcart Wix Squarespace

3dcart

Review Visit Site

Review Visit Site

Review Visit Site

Review Visit Site

Review Visit Site

Monthly Cost

$9 – $299

$29.95 – $249.95

$19 – $229

$25 – $40

$26 – $46

eCom Features

Excellent

Excellent

Excellent

Good

Good

Ease Of Use

Very Easy

Easy

Moderate

Very Easy

Easy

Web Design

Great

Good

Good

Excellent

Excellent

Customer Support

Great

Great

Good

Good

Good

The post Find The Best eCommerce Website Builder For Your Business appeared first on Merchant Maverick.

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Venmo For Business: Is It Worth It?

Venmo has earned its status at the top mobile wallet and P2P payments app, ranking along with PayPal and Square Cash as easy, free, and trusted ways to move money around and pay back friends or family.

Venmo launched in 2009 and was eventually acquired by Braintree and then PayPal. Despite being owned by PayPal, Venmo is hardly a PayPal clone. With an estimated 10 million users, Venmo combines a social element with its payments platform, publishing a record of the transaction (though not the amount) to its social feed, along with a note or comment (or sometimes just an emoji). If you want a more detailed look at Venmo, check out our Venmo review for more information!

This social network aspect is one of the ways Venmo sets itself apart from its competitors. The company has also more recently begun allowing merchants to accept payments through Venmo — though with some rather stringent requirements. If you’re wondering whether Venmo could be right for your business, you’re in the right place — we’ll talk about what the requirements are to implement Venmo as a payment option at checkout, and what kinds of businesses Venmo is best suited to.

How Do You Accept Venmo For Businesses?

Venmo is both painfully clear and annoying vague about what kinds of businesses are eligible for accepting Venmo payments. For example, there isn’t a list of prohibited businesses (like you’d find with PayPal, Braintree, and Square). However, Venmo also says that “Venmo can be used to purchase items directly from participating approved apps and online stores.”

Be aware that you can’t natively build Venmo acceptance into your website or app. Instead, you need to go through either Braintree or PayPal for payment processing to add this option. Braintree says that the following use cases are not permitted:

  • Selling goods or services in person.
  • Receiving payment for goods or services through the Venmo app.
  • Facilitating peer-to-peer transactions between two Venmo users.

What does that all mean? Essentially it means you can’t use Venmo directly to accept payments. If you, for example, sell Pampered Chef, Scentsy, LulaRoe, or any other kind of product, your clients can’t just send you a payment via Venmo. If you sell something on Facebook, you can’t meet up with someone and hand them the item in exchange for a Venmo transaction. If you want to accept Venmo for payments, you need to follow the appropriate steps and build the payment option into your website or mobile app.

It also means that you can’t set up a service that says “You send us the money (plus a possible convenience fee) and we’ll send it to someone else for you.” It should be pretty obvious that is a no-no, but generally, those kinds of things need to be clearly stated for legal purposes.

The last requirement? You must be based in the US, which a major difference between Venmo and its global parent company, PayPal. Venmo currently isn’t available to users outside the US at all.

Now that we’ve got the basics covered, let’s talk about how to you can actually implement Venmo payments.

Option 1: Accept Venmo Through Braintree

Braintree Payment Solutions (read our review) is a merchant services provider with a special focus on online and mobile payments. The company, as I mentioned early, is owned by PayPal, and its offerings work pretty seamlessly with PayPal’s, but it is a fairly separate entity. For example, you do get a traditional merchant account. (PayPal is a third-party payment processor, which leads to a greater degree of account stability than merchant accounts.) Braintree is global friendly — even if that’s irrelevant in the case of Venmo payments — and it supports a huge array of payment types, both in apps and on the web. As a result, it will take a developer to implement Braintree payments and get the most out of the Braintree platform.

Braintree specifically says that in order to use Venmo, you must be using one of the following SDKs:

  • iOS v4
  • Android v2
  • Javascript v3 

What this means is you can build Venmo into iOS or Android apps, or into web/mobile web payments that use Javascript. Braintree, on the whole, supports several other programming languages as well. Braintree will also allow customers to save their payment information for subscriptions and recurring billing, including Venmo payments.

Finally, Braintree’s standard pricing applies for Venmo transactions, so most merchants will pay 2.9% + $0.30 per transaction unless they’ve already negotiated special pricing. Venmo transactions are settled according to the same terms as Discover card transactions, but you can identify them in your dashboard by looking for the Venmo logo in the payment type.

Option 2: Accept Venmo Through PayPal Checkout

If Braintree isn’t quite what you’re interested in, you can also implement Venmo Payments using PayPal Checkout (formerly known as Express Checkout). Checkout is PayPal’s recommended option if you are adding payments to an ecommerce shopping cart or offering PayPal as a supplemental option to another credit card processor. Keep in mind that PayPal (read our review) is a third-party payment processor and, as such, comes with an inherent risk of account instability — the potential for holds on funds or even an account freeze if PayPal’s system flags any suspicious behavior.

Also, this option still requires a developer and some code work. PayPal has upgraded its Checkout offering with “Smart” customizable payment buttons and contextual tools that will display multiple checkout options — PayPal, PayPal Credit, or Venmo — based on what it knows about a consumer. Currently, Venmo is only available on mobile devices, though that may change in the future. It’s also worth noting that PayPal Checkout doesn’t allow you to present Venmo as a stand-alone payment option. If you’d like this feature, you’ll need to go with Braintree instead.

With Venmo transactions, you’ll pay your standard PayPal rates, which will be 2.9% + $0.30 per transaction for most merchants. (Keep in mind that PayPal does have a micropayments option for merchants whose average transaction sizes are under $10.) PayPal treats them just like all other transactions; currently, they are not identifiable as Venmo transactions. Again, PayPal may change this feature down the line.

Finally, it’s important to note that because Venmo is owned by PayPal, PayPal’s Seller Protection policy applies to Venmo transactions. For buyers, Venmo has its own protection policy, which is the same as PayPal’s in many ways, though Venmo admits there are some differences. Venmo lays out its terms and conditions for merchants in the user agreement if you’d like to take a closer look.

Should You Add Venmo To Your Payments Set Up?

Venmo is a powerful tool. An estimated 10 million users make for a significant userbase that many merchants may want to tap into. But all the same, accepting Venmo for your business only makes sense in certain contexts. You can’t just use the Venmo app to accept payments directly — you can’t process any sort of in-person transaction, as a matter of fact. If you do sell online, adding Venmo only makes sense if you have a very strong mobile user base. For one, PayPal will only display Venmo as a checkout option for mobile devices. Second, there’s no sense in adding Venmo if your customers don’t even know what a mobile wallet is.

However, if you do have a mobile app and your audience is young, tech-savvy and social, adding Venmo as an option makes a lot of sense. It’s available on both Android and iOS, and if you go through Braintree you can present Venmo as a standalone checkout option rather than as a payment option that is linked with PayPal.

It’s pretty likely that we’ll see Venmo sinking more resources into its business platform in the coming year, so we could very easily see some changes to Venmo’s requirements for business. If you’re still on the fence about Venmo, there’s no rush! Familiarize yourself with the product and wait to see what else Venmo has in store before you make a decision.

Have questions or comments? We always love to hear from our reader base, so check out our comment guidelines and leave us your thoughts!

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What Is Chase Pay And How Does It Work?

The Chase Pay app is a digital wallet developed by Chase Bank. Instead of having to take out your wallet, find your credit card, swipe, and wait, a digital wallet like Chase Pay works by scanning a QR code on a smartphone or with a tap using near-field communication (NFC) technology at a credit card terminal.

Through this post, we are going to explore why accepting digital wallet payments can be a good move for business owners and why the digital wallet offered by Chase Pay is a great option for customers and merchants alike.

The Evolving World Of Digital Wallets

It is no secret that the world of payment processing is evolving quickly. Non-cash payments are becoming commonplace, but that doesn’t mean that we’re diving into a cashless system quite yet. The reality is that half of payments made are still paper-based or manual, according to JPMorgan Chase. Despite their continued use, these manual types of processing transactions represent a more expensive way to do business, cost more working capital from businesses, and take more time to settle the payment between the seller and buyer.

In other words, digital wallets can be a cost-saving option. However, with any new technology, it takes time for users to adapt. Businesses must figure out what will work best for them and consumers are often set in their ways, so all of this momentum to digital wallets will take a few years to build. Currently, most people are exploring their options, but the digital wallet trend is on the rise.  

Chase Pay provides new opportunities to settle things faster electronically (and less expensively) and it can also make life easier for the people who use it, offering faster ordering and pick-up times, a quicker check-out process, and built-in reward and discount programs.

Read on to find out more about Chase Pay and how it can help you improve engagement and offer a better incentive for customers.

Chase Pay For Customers

Chase Pay offers digital wallet and online payment options. Through the Chase Pay app, customers can pay with only their phone by tapping (if linked to Samsung Pay) or scanning a QR code.

You can combine all your Chase-eligible cards, wallets, loyalty programs, and rewards so you can apply what you need quickly at checkout. No more fumbling for the loyalty card on your keychain while also digging your card out of your wallet. Not only that, Chase often runs promotional deals to encourage first-time users to shop in more places.

To sweeten the deal even more in this competitive digital wallet space, Chase Pay also recently introduced Chase Offers. Once you are in your app, you will see any offers available to you and can click on an offer to activate it. The offer appears as a statement credit after 7-14 business days. You don’t need to register, use any vouchers, or apply any codes. Once you activate an offer you like, it is applied whenever you make a purchase with Chase Pay.

These offers are not the same as (and don’t replace) your rewards. You continue to earn any rewards on your purchases through Ultimate Rewards points, your miles, or any other reward program you’re enrolled in.

Where To Shop With Chase Pay

The selection of shops, big-box stores, and restaurants that accept Chase Pay is somewhat limited at this point. However, there is still a decent list of merchants that accept Chase Pay, including big names like Starbucks, Shell gas stations, and Walmart. Within the app, you can also search for places near you that accept Chase Pay, so you will likely never have a shortage of shopping options.

Samsung Pay + Chase Pay:

Since your Samsung Pay account can be linked with your Chase Pay account, this option opens up literally millions of shopping options for you (Samsung Pay has a much larger footprint). Linking these accounts also makes life easier because you can check-out with a tap rather than a QR scan.

Chase Pay For Business Owners

It’s important to note that Chase Pay doesn’t work when it comes to purchasing with your business accounts or under your business profile. But it may be worth your while to consider setting up Chase Pay to process in-store or online orders for your customers! Now, more than ever, customers are making more inquiries into the types of payments accepted.

According to a recent Forrester estimate, mobile payment transactions continue to skyrocket and will triple to $282.9 billion in only a few short years. That means that the expectations from customers are only going to get stronger when it comes to check-out options. It is also important to make sure you are giving your customers a choice when it comes to cashless payments.

Most of your customers don’t have just one line of credit, so why limit the way they can pay you? Offering several types of payments options, including Chase Pay, for both in-store and online shopping can make things easier and more accessible for your customers. 

Engage More Customers

Retailers are spending increasingly more time vying for customer loyalty and seeking engagement ROI through mobile, cashless payment. Here at Merchant Maverick, we like Chase Pay because it can provide some extra exposure for your business while giving customers more incentive to buy.

Depending on your industry, you may be able to take advantage of partnerships Chase has formed. For the food industry, for example, Chase has partnerships with LevelUp® and TouchBistro® for order-ahead, loyalty programs, and additional special offers to apply for your customers.

Grocery and retail stores can let their customers take advantage of contactless or QR payment options. Setting Chase Pay up at your store shouldn’t be a hassle, because it likely works with your existing terminal. If your current credit card terminal accepts chip cards (EMV) the odds are good it’s also configured to accept NFC/contactless payments.

 

All of these options let you give your customers more convenience through pre-ordering or faster checkout. People are driven by convenience and saving time, and customer expectations are only going to increase these next few years.

Getting Started With Chase Pay

Ready to check out the Chase Pay app for yourself? Head to the Apple or Google Play app store and download the app. You’ll need to log in with your Chase account username and password. If you have more than one card through Chase, you’ll also be able to select your default payment card. You will also be able to select the card you want to use when it is time to pay.

If you want to explore more payment processing options for your business, check out our post, Payment Processing Companies and Services for Small Business. 

The post What Is Chase Pay And How Does It Work? appeared first on Merchant Maverick.

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