InMotion Hosting Website Creator Review: Pros, Cons & Alternatives

Website Creator Review

Website Creator is a stand-alone website builder product built & sold by InMotion Hosting, one of the largest independent web hosting companies in the world.

See Website Creator Plans & Pricing here.

InMotion Hosting has been in the web hosting business since 2001. Unlike many hosting companies, they remain staunchly independent and focused primarily on website products for small businesses. They have an emphasis on customer support and raw performance.

While they still have a range of hosting products (my InMotion Hosting Review), they have also been quick to respond to changes in customer demand. Website Creator came out of that effort.

The big demand of the past 5 years has been for easy to use, bundled, drag and drop website builders. But popular website builders pose some risks for business owners investing in a long-term project.

Website Creator was created for small business owners who need to easily DIY their own website, but also are thinking seriously about how to best build their website for scalability, versatility, and long-term success.

Since I’ve been a user of InMotion’s hosting products for quite some time, I recently decided to give their new website builder, Website Creator, a try for a small, quick project.

Before I dive into pros and cons, let’s talk about some basics.

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

What Is Website Creator?

Imagine website builders on a spectrum of convenience and control.

On the maximum convenience end, you have Instagram. It’s super-easy to use. But you have zero control over how your account design or function.

On the maximum control end, you have a server that you own an operate. You hand write all the HTML & CSS. It offers maximum control, but zero convenience. Most people tends toward to the middle options.

Self-hosted WordPress is software that you install on your own hosting account. It has a learning curve, but offers a lot more convenience while still providing total control over your files & server.

Wix is a popular drag & drop builder that has much less of a learning curve & more convenience than self-hosted WordPress. But they also have to limit data exports & your server access.

Some small business owners don’t like either tradeoff – and that’s the slice that Website Creator is focused on. I’ll get to this in the Pros & Cons, but Website Creator is actually built on top of WordPress on a hosting account that you own. So even though it has the drag & drop and streamlined website launch of a popular website builder, it’s still creating actual files on an actual server that you can access and export should you ever need to grow or rework your website.

In other words, think about a single-family home, a condominium, and a townhome. Self-hosted WordPress is a single-family home where you own & are responsible for everything. Hosted website builders are like a condominium where you own everything within the walls but outsource the rest to the Condo Owner’s Association.

Website Creator tries to be like a townhome. You have contracted landscapers, plumbers, and a Homeowners’ Association, but when it comes down to it – you still own the land and the structure.

With all that said, here are some of the Pros & Cons of Website Creator as a general website solution.

Pros of Using Website Creator

Here’s what I found to be the pros of using Website Creator, not just compared to Site123 and Gator, but as a website builder in general.

Convenience AND Control

Website Creator’s biggest pro is the fact that it combines convenience and control — which is typically where business owners have to make a trade off when it comes to website builders (even the best ones).

Website Creator is actually a bundle that combines hosting (on InMotion), a website software or CMS (WordPress), and a drag & drop tool (BoldGrid). Which means when you sign up for Website Creator, you’re actually getting a self-hosted WordPress website with an installed drag-and-drop website builder (and tons of base templates to use) that you fully own and that any developer or marketer can work with. You don’t have to go piecing all the elements together or put off getting started until you have the “right” web designer.

You can just DIY and rest easy knowing that when the time comes, you can upgrade your content, design & marketing as your business needs.

Ownership

Again, Website Creator does a great job of giving users control — and that includes ownership.

Now, when it comes to website builders, I generally think of website ownership in 3 ways.

The first point is brand asset & copyright ownership. There is no website builder that would ever be able to “own” your website. Not even Instagram does that. If you author the text, images, video, logos, etc. then you own the copyright.

But when it comes to the other two points of ownership, not all website builders are created equally.

The second facet of ownership revolves around “website look and feel”. Websites are simply files that a browser can render. The look and feel is inherently not only your content, but also the combination of actual files used to render your site. This is where ownership gets tricky. Some website builders do not give you access or copyright to the actual files that are generated with your content. Some give you copyright and limited access. Some give you full copyright and full access.

Why would you need full access? Well, let’s say you want to sell or move your website to another provider. If you do not have access to the actual CSS files or actual JS files, then you cannot sell or transfer the site exactly as it currently is.

And the third point is practical ownership. So even if you own your entire website – JS, CSS, HTML, images, text, etc – if you cannot download it to your computer or transfer it to another server… do you truly own it? This gets tricky. It doesn’t really matter, until it does.

If you have a 10 page website for your dental office, this point really doesn’t matter. But if you are building a reference site for your organization that will eventually have thousands of pages… then it could matter a lot.

In Website Creator’s case, your site’s files live on an actual server that can be accessed and downloaded. Which means you have full ownership in all three facets — a great feature if you think you’ll ever need to move or recreate your website elsewhere.

Simplicity

Another pro of Website Creator is that once you’re set up, it’s fairly easy to use. As I mentioned above, Website Creator uses BoldGrid, a website builder, to actually create your website.

Website Creator Bold Grid

BoldGrid isn’t technically drag-and-drop. You don’t actually “drag” elements and drop them where you want them. Instead, BoldGrid uses Inspirations, which serve as your base template.

BoldGrid Inspirations

From there, you can add or remove pages, customize the branding (i.e. colors and fonts), or even go so far to add widgets on individual pages.

BoldGrid Inspiration Customization

The range of customization here is extensive. Given Website Creator uses WordPress, you can also install plugins (pieces of software that “plug in” to your website to add functionality), so you essentially create anything you want – that includes things like ecommerce, SEO, appointments, and flying unicorns.

But if you’re trying to keep it simple, BoldGrid’s Inspirations (and customization options within them) provide enough flexibility that you can create something that feels custom without having to totally build something from scratch.

Integrations

And speaking of customization… the ability to add integrations through plugins is a HUGE pro for using Website Creator. Given WordPress is the most popular CMS platform out there, the integrations are practically limitless.

Chances are, there’s been a plugin created to do whatever you need your site to do. And if it hasn’t been created yet, there’s a developer out there who could probably get it done.

Additionally, since you have an actual hosting account running Website Creator, you can integrate with any business email service or analytics package that you need.

Sign Up + Customer Service

Depending on your needs, this could be a pro or a con. Signing up for Website Creator does take some time. They actively try to weed out spam users, which means they review accounts before granting access. Their sign up process says it should take a few minutes to get a confirmation email, but after about an hour, we had to reach out to support to get our account approved and up and running.

The pro here is that you’re dealing with a company that take its software seriously and actively tries to maintain the integrity of it. They don’t let spammers in, and their customer service department is more than willing to expedite the process if you reach out and explain how you plan to use your site.

Flexibility

It’s rare that you get so much flexibility in an all-inclusive website builder, but Website Creator certainly gives you more than any other. The best example of this?

Website Creator actually lets use WordPress themes / custom themes outside of BoldGrid.

Flexibility Website Creator

This essentially means that you have a totally customizable, self-hosted WordPress site with the *option* to use an all-inclusive website builder that has pre-built themes and easy-to-use customization options. It’s a win-win.

Onboarding/Training

Using Website Creator does require a bit of a learning curve (more on that in a bit). However, InMotion’s onboarding and training resources are amazing. With any piece of software, there’s always a moment of “What comes next?”

With InMotion, they cover all the bases. From the moment your account gets approved, you’re given instructions on how to finish your account set, start your website, and get up and running.

Website Creator Onboarding

The account dashboard is refreshingly simple.

Website Creator Backend

They also offer training inside WordPress, so you can learn how to use BoldGrid and customize various elements.

Training Website Creator

Cons of Using Website Creator

Like any piece of software, there are always trade-offs. So here are the cons of using Website Creator:

Slower Sign Up Process

Yep… it can be a con that Website Creator takes time to actively weed out spammers. Why? Because this means the sign up process is slower.

Cumulatively, it took about two hours for us to get our account up and running — which isn’t great if you’re looking for a quick and easy solution to get a website up ASAP.

Learning Curve

Once you get through the sign up and installation process, using BoldGrid is simple (plus InMotion offers a TON of resources to help you through the process). But that doesn’t change the fact that getting up and running with Website Creator isn’t very intuitive. The sign up process is more extensive than most all-inclusive website builders, as is the installation process.

For example, before even getting started, you must have a domain name. There’s no option to use a free subdomain to get you up and running like you can with WordPress.com.

After that, you have to install BoldGrid, which then brings you into WordPress to edit.

Website Creator Getting Started

Again, the training provided by InMotion is stellar — but you do need to take the time to read it. Popular pure-play website builders like Wix, Weebly, Squarespace, Shopify – and even GoDaddy GoCentral all have in-screen on-boarding to show you how to do things while you build it.

If you’re looking to just dive on in and figure it out without having any website building experience, Website Creator probably isn’t the best solution for you.

Website Creator Review Conclusion

Website Creator does come with a learning curve, but it offers a ton of customization, flexibility, and ownership for users. Plus, it gives you the best of both worlds: a self-hosted WordPress website without the hassle of tracking down your hosting, website builder, and CMS.

Check out Website Creator’s plans here.

However, there are trade-offs to consider here. If you’re looking for a quick, easy, intuitive website builder that you can use to throw up a quick project, Website Creator probably isn’t the best choice for you.

Instead, check out my quiz to find what the best website builder is for you based on your preferences.

The post InMotion Hosting Website Creator Review: Pros, Cons & Alternatives appeared first on ShivarWeb.

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WordPress.com Review: Pros & Cons of WordPress.com as a Website Builder

WordPress.com Review

WordPress is one of the most popular pieces of software in the website space. WordPress powers over 25% of the Internet and is famous for its versatility and ease of use.

Its is so well-known, that it’s common for people with some web design experience to generally say “just use WordPress” when referring DIYers and freelancers to a website solution.

But for those who are unfamiliar with the general WordPress world, there is a major point of confusion: WordPress.com vs. WordPress.org.

In this article, I’ll be reviewing WordPress.com as a website builder and general website solution for DIYers.

See WordPress.com’s Plans & Pricing here.

But before I dive into specifics, let’s talk about the difference between WordPress.com and WordPress.org.

WordPress.com vs. WordPress.org: What’s the Difference?

WordPress is the name of a piece of software that can “power” your website on a server. So instead of uploading individual files to a server to create a website, you can use WordPress to create a “backend” where you can log in to your website to create, edit and manage web pages, blog posts, images – any sort of content.

It’s a “content management system” in web development jargon. WordPress is also “open-source” – which means that a community maintains it. A for-profit corporation does not own it. A non-profit foundation technically manages the trademark while leaving the software open under a General Public License.

The software & open-source community live & function at WordPress.org – where anyone can grab a copy of the software.

Note that I still haven’t said anything about it running a website. The other two pieces needed to run a website are hosting (ie, a server to run WordPress and render your website) and a domain name, which allows people to navigate to your website.

WordPress.org is also known as “self-hosted WordPress” because you have to provide the server for the software to live on. You pay for hosting and domain registration fees separately. You can learn how to setup a self-hosted WordPress website here.

And then there’s WordPress.com. It is a for-profit company owned by Automattic and founded by Matt Mullenweg – one of the original developers of WordPress.

WordPress.com is a service (not just the actual software & community) that offers websites / blogs powered by their install of WordPress software. They bundle hosting, support, services, and software into a single subscription. I refer it to as “hosted WordPress”, because you’re buying a hosted version of the software.

The renting vs. buying in real estate works well as an analogy.

WordPress.com = Renting a building for your living space (aka your website). You can pay for upgrades, but ultimately everything is up to your landlord (WordPress.com). That said – your landlord also has to pay to keep everything in working order.

WordPress.org = Owning a building for your living space. You own everything on your own hosting space. You do whatever you want. That said – you are responsible for everything.

If you want to get into the weeds, I wrote a whole post about the differences between WordPress.com and .org. But that analogy says it all.

The key tradeoff here is between convenience and control. WordPress.com is what we call an all-inclusive website builder. It competes directly with other hosted website builders like Squarespace, Weebly, Wix, GoDaddy GoCentral, etc. You sacrifice some control (like FTP access) to get a lot more convenience (like not installing security patches or crashing your own site).

Compared to its direct competition, WordPress.com focuses on scalability, support, and flexibility. Let’s dive further into my WordPress.com review to see how it really compares.

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 WordPress.com as a Website Builder

Here’s what I found to be the pros of using WordPress.com website builder — not just in comparison to direct competitors, but as an overall website solution.

Easy Sign Up Process

One of WordPress.com’s biggest pro is how easy it is to get started. To get your website up and running, you just follow a simple, 6-step process that includes creating an account, filling in your website information, and confirming your email address.

WordPress.com Sign Up Process

They also provide a ton of “onboarding” support (AKA the process of getting up and running with a website). I immediately received an email detail next steps, and was even prodded later in the day when I hadn’t finished a step in the set up.

There was really no part in the sign up process where I wondered, “What’s next?”. The steps were easy to follow, detailed, and included support once I got inside the dashboard.

If you’re looking for a simple, straightforward, and speedy way to go from having no website to having a site ready to build, then WordPress.com is a great choice.

All-in-One Solution

Again, WordPress.com is an all-in-one solution, which means everything you need — from hosting to domain registration to integrations (more on that shortly) to design options 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.

WordPress.com Functionality

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 WordPress.com uses WordPress as it’s CMS (and WordPress is the most popular CMS platform out there), the integrations are practically limitless.

Chances are, there’s been a plugin created to do whatever you need your site to do. And if it hasn’t been created yet, there’s a developer out there who could probably get it done. Just know that on WordPress.com, your advanced customization capabilities, like installing your own plugins and themes, are limited to their highest priced plan (more on that in a bit).

You also don’t have full control over the website functionality, because you don’t have access to your hosting. You still don’t have direct access to your files or your database. So if you want to do something in bulk or something super-technical, then you are out of luck.

That said, compared to other website builders (like Site123 or Jimdo), WordPress.com is inherently more open and accessible because it runs WordPress software. All of your content is in RSS and XML format, so it’s very easy to leave WordPress.com for another service or bulk export your content.

Template Design

When you set up your website with WordPress.com, you have a ton of pre-made templates (“themes” in the WordPress jargon) to choose from, including premium themes that come with higher-priced plans.

WordPress.com also indicates which themes are best for beginners, which is helpful for those who don’t have extensive website experience and are looking for the easiest way to get their website designed and ready to market.

WordPress.com Themes

Inside these themes, you have a range of customization capabilities based on the plan you have. You also have significant customization abilities on the individual pages themselves— even with the free plan. Inside the page builder, you can change the format by adding columns, embedding elements, and even editing the page code if you know HTML / CSS.

WordPress.com Page Customization

WordPress.com Page Code

One thing to note here — you cannot edit/customize the pages on the same screen that you edit the theme. This means that you’re basically designing the pages in a bubble. You can’t see how they play out in the context of the design until you actually go in and edit the theme. If you’re not looking to do any advanced designing, this may not matter to you, but it’s something to keep in mind if you are looking to build lots of websites for clients.

Customer Support

WordPress.com has a robust knowledge base and easily accessible support. In fact, their help button floats in the bottom corner of the Dashboard (and when you’re editing pages), so you can see relevant guides and articles to help you no matter where you are in your website.

WordPress.com Support

You can also chat with another WordPress.com using their “Contact us” button on the floating help section, giving you an additional option if you can’t find the answers you’re looking for.

Cons of Using WordPress.com as a Website Builder

But of course, no website builder review would be complete without looking at the downsides. Every piece of software will have complaints, because there is no website solution that is right for everyone. Let’s look at a few specific cons I found.

Pricing

WordPress.com is a bit pricier than its competitors when you take into account what features are available to you. WordPress.com limits the amount of storage space you get on your website (AKA the number of images, video, audio files, documents, etc. you can upload to your site).

WordPress.com Pricing

Now, there is one caveat. WordPress.com does have a free plan. You can’t use your own domain name. You have to use yourname.wordpress.com – and serve WordPress.com ads on your site. But – it’s free. This plan is certainly my favorite way to get a free, well built website online.

However, it’s not clear that there’s a free plan available unless you go through the pricing tab. For example, if you were to click “Get Started” and just start filling in your information, you’re kind of cornered into buying a plan. There’s no option there to select a free plan. It’s confusing, especially if you don’t know that there’s a free plan available (which technically, you’re automatically signing up for when you create your account).

WordPress.com Pricing No Free Plan

If you are trying to start just a basic informational website or blog and don’t want to deal with hosting, then WordPress.com’s Blogger and Personal plans are well-priced. But for a business or really any size (or website that is going to strive to make money), then it’s a bit hard to compete with running a self-hosted WordPress website or finding another solution like Website Creator (a website builder built on top of WordPress) or another drag & drop website builder.

Learning Curve

Based on your website experience, using WordPress as a CMS does come with a learning curve — and it’s no different when it’s bundled with hosting and DNS services through WordPress.com. Yes, you have various themes to choose from that guide your site customization experience… but even those can be more complicated to tweak than WordPress.com wants to let on. Check out the instructions on customizing this theme I selected.

WordPress.com Theme Customization

If you’re looking for the ease of a simple drag + drop website builder where you can literally drag elements onto the page, drop them in place, and customize your template that way, WordPress.com might not be the best choice for you.

Because here’s the thing. In many ways, WordPress is more than software. It’s like a whole platform / subculture. You know how Facebook has “Likes” and “Newsfeed” and “Groups” and all these other terms that make sense…but only once you’ve used Facebook? Ok – WordPress is like that. When you first start out, there’s all this jargon to figure out. It makes sense quickly, but that doesn’t make it any less weird.

Limited Functionality + Control

WordPress is known for how flexible and adaptable it is as a CMS. It’s a great way to build a website that you plan on keeping for the long haul, because it’s so customizable and scalable. But here’s the thing — those benefits don’t really kick in until you have a self-hosted WordPress (AKA WordPress.org), or until you pay for the premium business plan on WordPress.com, and even then you don’t have full accessibility with your website.

If you’re not looking for a website that you can customize and scale extensively, then this probably doesn’t matter to you. But if you are looking to create a website that you can scale, and you were drawn to WordPress as a CMS because of that, then going with “hosted WordPress” on WordPress.com probably isn’t your best option, because you’re giving up quite a bit of functionality and control.

WooCommerce & JetPack Addendum

At the risk of making this focused review too long, there are two remaining pieces to talk about in regard to WordPress.com and their services.

First is WooCommerce. WooCommerce is a software plugin for WordPress that brings a *ton* of amazing ecommerce functionality to any WordPress website. It is amazing. It has a ton of extensions and integrations only rivaled by Shopify. And it works on any existing website running WordPress. If you are using the WordPress.com, you can add it to your plan.

Since ecommerce has a lot more considerations than a publishing site, many ecommerce owners like to have a “hosted” solution. In this case, WordPress.com provides a great option for websites that are “content-first” but also want a large-ish online store.

Second is JetPack. You know how I mentioned that WordPress.com provides a lot of things like backups, security, and support that a self-hosted WordPress website does not have? Ok, so you can get most of that with JetPack. JetPack is a paid plugin software owned by Automattic that any self-hosted WordPress website can install and get automated backups, security scans, in dashboard support, remote management via the WordPress app and more.

In fact, this website uses JetPack. It costs between Free and $29/mo depending how many services / themes you want (security is free). Plus, there are some hosting companies that bundle JetPack in with your hosting fee, so that it’s super-affordable.

WordPress.com Review Conclusion

WordPress.com 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 some pretty significant capabilities, like storage, pricing, and ease of use, but it does compete well on support, theme availability, design, technical aspects, and content publishing.

WordPress.com is a really good fit for anyone looking for a solid website builder that includes more advanced functionality and theme options but still takes the headache out of finding their own hosting and additional services. It’s a great option to just get started. And it’s great for content writers & publishers plus any businesses that have the budget for the Premium Plan.

Check out WordPress.com’s current plans & pricing here.

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

Are you working on a long-term project, need more freedom, or on a budget and don’t mind a learning curve? Check out my posts on trying out self-hosted WordPress and setting up self-hosted WordPress on your own server.

The post WordPress.com Review: Pros & Cons of WordPress.com as a Website Builder appeared first on ShivarWeb.

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Best Accounting Software For Freelancers

Best Freelance Accounting Software

There are over 55 million freelancers in the US. With perks like being your own boss, setting your own schedule, and the flexibility to work from anywhere, it’s easy to see why freelancing is becoming such a popular choice. Whether you are self-employed full-time or are freelancing on the side to earn some extra income, there are key software tools that can help you run a more effective and profitable business — the most important being accounting software.

As a freelancer, it’s easy to focus on growing your business, finding new clients, creating marketing campaigns — anything but accounting. However, having a strong accounting process and being in control of your business’s finances is the key to running a successful business.

Luckily, there are plenty of easy to use, affordable accounting solutions that will help you manage your freelance finances and taxes quickly so you can get back to doing what you love.

In this post, we’ll share the top accounting software for freelancers. We’ll also share some other great freelance tools that you should know about to help your business succeed, including everything from email marketing software to website builders to mobile payment apps and more. We’ve spent hours researching and testing software so that you can find the perfect software solutions to run your freelance business.

heading QuickBooks Self-Employed AND CO Wave

Best Accounting Software for Freelancers

Best Accounting Software for Freelancers

Best Accounting Software for Freelancers

ReviewCompare

ReviewCompare

ReviewCompare

Pricing

$10 – $17/month

$0 – $18/month

$0/month

Size of Business

Self-Employed

Self-Employed

Small

Ease of Use

Very Easy

Very Easy

Very Easy

Customer Service

Fair

Very good

Poor

Number of Users

1

1

1

Number of Integrations

4

10

4

Cloud-Based or Installed

Cloud-Based

Cloud-Based

Cloud-Based

Mobile Apps

iOS & Android

iOS & Android

iOS & Android

Characteristics Of Good Freelance Accounting Software

In terms of accounting software, freelancers have very specific needs. Most traditional small business accounting software simply won’t fit the bill. Freelancers need an easy-to-use financial management solution designed specifically for the self-employed. Here are some of the key characteristics a good freelance accounting software should have:

  • Affordable: For freelancers, every penny counts. With a slim or nonexistent accounting budget, freelancers need a solution that is free or offers affordable, low monthly payments.
  • Easy To Use: Good accounting software should be easy to use as most freelancers don’t have time to spend hours balancing the books. Many also may have little to no previous accounting experience so they need something that is easy to learn and understand.
  • Time-Saving Automations: All accounting software should feature automations, but freelancers are in particular need of any way to save time. Standard automations include automatic receipt uploading, mileage tracking, and live bank feeds.
  • Manage Personal & Business Finances: While freelancers should open a separate business banking account to safeguard against tax audits, this simply isn’t the reality for many self-employed individuals. Because of this, many freelancers need to be able to separate their personal expenses from their business expenses using their accounting software
  • Good Organization: As a freelancer, it’s easy to put finances on the back burner, but knowing your exact income and expenses is key to running a successful business. Accounting software should help you stay organized, run key financial statements, and make more informed business decisions.
  • Tax Support: With estimated quarterly taxes and ever-changing deductions, freelance taxes can be overwhelming. The best freelance accounting software will include tax support to help you manage your self-employed taxes.
  • Support Resources: Good accounting software will also provide you with ample learning materials to help you better your business.

We weighed all of these factors when selecting the best accounting software for freelancers. Each of the top three accounting options displays many, if not all, of the features listed above to help make managing your freelance finances as simple as possible.

1) QuickBooks Self-Employed

Best For…Best Accounting Software for Freelancers

Overall freelance accounting and tax support. Ideal for filing directly with Turbo Tax.

Created in 2014, QuickBooks Self-Employed was designed specifically to help freelancers manage their finances and file their taxes easily. QuickBooks Self-Employed is incredibly easy to use, offers great mobile apps, and has the best tax support of all three programs on this list. The software helps you calculate your estimated quarterly taxes, track your mileage, find other deductions like the home office deduction, and even has a Turbo Tax integration for easy filing. On top of tax support, QBSE also helps freelancers keep track of their income and expenses.

The software is ideal for freelancers looking for tax support, a way to separate personal and business expenses, and basic expense tracking.

Pros Cons

Suited for freelancers

Limited invoice features

Calculates estimated quarterly taxes

No state tax support

Easy to use

Turbo Tax integration

Pricing

QuickBooks Self-Employed offers two pricing plans ranging from $10 – $17/month. The difference between the two is that the larger plan includes a built-in Turbo Tax integration and the ability to pay estimated quarterly taxes online.

Features

Best Freelance Accounting Software

QuickBooks Self-Employed supports a good amount of features, especially where taxes are concerned. Here’s an idea of what QuickBooks Self-Employed has to offer:

  • Track income and expenses
  • Separate personal and business expenses
  • Invoicing
  • Record tax deductions
  • Fixed asset management
  • Calculate estimated quarterly taxes

Ease Of Use

QuickBooks Self-Employed is incredibly easy to use. It has a modern, well-organized UI that takes very little time to learn and offers strong mobile apps that are also easy to navigate.

Customer Support

QuickBooks Self-Employed’s customer support has its pros and cons. There’s no phone support, but there is a live chat feature if you want to get in touch with a representative directly. The good news is that QBSE provides a great selection of learning resources for freelancers including a comprehensive help center and a small business center chock full of business advice.

Takeaway

QuickBooks Self-Employed is one of the best accounting and tax support solutions out there for the self-employed. The software offers the most advanced level of tax support on the market, and while this isn’t a full-fledged accounting app, it allows freelancers to manage their income and expenses.

Read our full QuickBooks Self-Employed review to find out if this software is right for your business.

2) AND CO

Best For…
Best Accounting Software for Freelancers

Freelancers looking for strong accounting, good customer support, and the ability to create and send contracts to clients.

Founded in 2015, AND CO is an up-and-coming freelance accounting software that was recently acquired by Fiverr, one of the leading freelance marketplaces. The software is easy to use, offers great customer support, and provides traditional accounting features like time tracking and project management. While the software does not offer tax support, it does have a one-of-a-kind contract feature that allows you to create legal contracts for projects that are compliant with the Freelancers Union. This allows you to dictate who retains rights to your work and accept signatures directly from clients.

AND CO is ideal for freelancers who don’t need the extra tax support of QuickBooks Self-Employed and would rather have more traditional accounting features, contracts, and better customer support.

Pros Cons

Suited for freelancers

No tax support

Easy to use

Unsuited for product-based businesses

Good customer support

Limited integrations

Strong mobile apps

Pricing

AND CO has a free plan for freelancers with a single client and a paid plan which costs $18/month. The larger plan includes unlimited reports and more advanced proposals and contracts.

Features

Best Accounting Software for Freelancers

While AND CO may be lacking in tax support, the software has a lot of great features going for it. Here are some of the features AND CO has to offer:

  • Invoicing
  • Contact management
  • Expense tracking
  • Time tracking
  • Project management
  • Proposals
  • Contracts
  • Subscriptions

Ease Of Use

AND CO is incredibly easy to use. The software was originally designed solely as an iPhone app so the mobile apps are also easy to navigate.

Customer Support

AND CO offers great customer support. Representatives are generally kind and quick to respond to questions. The company also offers great business tools and support resources for freelancers, as well as all of Fiverr’s extensive freelance resources.

Takeaway

AND CO is a great accounting and finance management tool for freelancers. The main drawback is that there is no tax support. However, you won’t find such developed proposal and contract features anywhere else.

Read our complete AND CO review to see if this freelance tool is right for you.

3) Wave

Best For…Best Freelance Accounting Software

Freelancers looking for a complete accounting solution for free.

Wave is a free accounting software solution that offers an incredible number of features for $0/month. While the software wasn’t designed specifically for freelancers like QuickBooks Self-Employed and AND CO, Wave is one of the best accounting programs to fit the needs of freelancers. It’s affordable, easy to use, and allows business owners to separate personal and business accounting.

The software is ideal for self-employed individuals looking for a full accounting solution or those who need an affordable way to manage their freelance finances.

Pros Cons

Free

Limited integrations

Easy to use

Poor customer support

Good feature set

Limited mobile apps

Positive customer reviews

Pricing

Wave only offers one accounting package and it’s completely free. There are no user limits or feature limits. You get all of the great features of Wave for $0/month. The only extra costs are payment processing, payroll, and professional bookkeeping services.

Features

Best Accounting Software for Freelancers

Of all three options on this list, Wave offers the most features. While you won’t find tax support, Wave does offer strong accounting and is full-fledged accounting software. Because of Wave is actual accounting software, it’s the only program on this list that will allow you to actually balance the books. Here are the features you’ll find with Wave:

  • Invoicing
  • Estimates
  • Contact management
  • Expense tracking
  • Accounts payable
  • Inventory
  • Reports

Ease Of Use

Wave is well-organized and its modern UI is easy to navigate.

Customer Support

Wave offers many great support resources; however, getting in touch with an actual representative is difficult. There is no phone support and response times are slow.

Takeaway

Wave is an affordable accounting program that gives you strong accounting and tons of features without breaking the bank. The software does not offer tax support, but it does offer payroll, making it a scalable solution if you plan on growing your freelancing business. The professional bookkeeping services are also great for freelancers who aren’t comfortable doing their own accounting or simply don’t have the time.

Read our full Wave review to see if this accounting software is right for you.

Other Great Freelance Tools

Your freelancing business is your baby, and as it takes a village to raise a child, it can also take an army of integrations to run a business. There are tons of great freelancing tools that can help you manage and grow specific areas of your business, like email marketing, invoicing, ecommerce, and more. Here are some of the top freelance software tools we recommend.

The Best Invoicing Software For Freelancers

If your freelance business relies heavily on invoicing and isn’t quite ready for all of the other features included with accounting software, invoicing software could be a simpler alternative to meet your business needs.

Zoho Invoice

Best Invoicing Software for Freelancers

Zoho Invoice is an easy to use, cloud-based invoicing program with incredible invoicing features. With over 15 invoice templates to choose from and international invoicing options, Zoho Invoice has a lot to offer. Read our complete Zoho Invoice review to learn everything this software is capable of.

InvoiceraBest Invoicing Software for Freelancers

Invoicera is also a could-based program with a good feature set and attractive invoice templates. A forever free plan and over 35 payment gateway integrations are just a few of the perks of this invoicing option. Read our complete Invoicera review to learn if this software is right for you.

Visit our invoicing software reviews for more options or compare our top favorite invoicing solutions for small businesses.

The Best Receipt Management Software For Freelancers

Business owners are all too familiar with the dreaded receipt shoebox. Receipt management software or expense tracking software can help freelancers get organized and handle reimbursements with ease.

ExpensifyBest Receipt Management Software for Freelancers

Expensify is a cloud-based expense management solution with mobile receipt scanning, expense approval workflows, and next-day expense reimbursements. The software also integrates with key accounting programs for a seamless expense tracking experience.

ShoeboxedBest Receipt Management Software for Freelancers

Shoeboxed is also a cloud-based expense management solution with receipt scanning, mileage tracking, expense reports, basic CRM, and even tax prep. Shoeboxed also integrates with key accounting programs.

The Best Payment Processing Software For Freelancers

Need to accept mobile payments from your customers? Mobile payment apps allow freelancers to accept payments anywhere — whether that be at a home show, a small storefront, or even a client meeting at Starbucks. If your freelance business could benefit from accepting payments on the go, mobile payment processing is a must.

SquareBest Payment Processing for Freelancers

Square is one of the most popular mobile payment apps. It offers affordable flat rate pricing and free tools for selling online, making it easy to accept payments from your customers in multiple ways. Read our complete Square review to learn how Square could benefit your business.

Take a look at our other mobile payment processing reviews or compare our top five payment processing solutions for businesses.

The Best Website Builders For Freelancers

A website is key for many freelancers who sell goods online or who need a professional online portfolio to showcase their work to clients. Luckily, there are plenty of affordable, easy to use website builders that can give your freelance business the edge.

WixBest Website Builder for Freelancers

Wix is an easy to use website builder that is ideal for ecommerce and blogging. Wix offers a compelling free version with unlimited pages and hundreds of customizable templates to choose from. Read our complete Wix review to learn more about this affordable website solution.

SquarespaceBest Website Builder for Freelancers

Squarespace is a website builder that is perfect for ecommerce and blogs While there’s no free plan, the software offers amazing templates with a huge degree of customizability. Read our complete Squarespace review to see if this website builder is right for you.

Read our other website builder reviews and ecommerce reviews to find the perfect solution for your business.

The Best Email Marketing Software For Freelancers

One of the most challenging parts of freelancing is finding clients. Email marketing software can be a great way to market your services and target clients so you can grow your business.

MailChimpBest Email Marketing Software for Freelancers

MailChimp is an easy to use email marketing software with affordable payments. The software offers email campaigns, email automations, and even analytics and reporting. Read our complete MailChimp review to learn how this software could help your business.

BenchmarkBest Email Marketing Software for Freelancers

Benchmark is another great email marketing option that is easy to use and offers good customer support. The software has hundreds of templates to choose from and the unique ability to send video emails and online surveys. Read our complete Benchmark review to see if this software is right for your business.

Read our other email marketing software reviews or compare the best email marketing solutions to find the right option for your business.

Picking The Perfect Freelance Accounting Software

Choosing Accounting Software

Running a freelance business can be difficult, but with the right tools, you can set your business up for success. With accounting solutions like QuickBooks Self-Employed, AND CO, and Wave, you can manage your finances and gain valuable insight into your business’s income and expenses.

QuickBooks Self-Employed is ideal for freelancers in need of tax support; AND CO is ideal for legal, professional contracts; and Wave is ideal for the complete accounting package. Identifying your freelance needs and examining your current financial process can help you decide which program is the perfect fit for your business.

Then ask yourself, what other tools could benefit my business?

Email marketing software could help you grow your clientele. A website builder could help you create a professional brand. A payment processing app could help you increase your sales. Here at Merchant Maverick, our goal is to help you find the best software to help your business succeed. We have hundreds of reviews across multiple software industries so you can find the perfect software combo. Check out our comprehensive reviews and our other freelance resources as well.

Top 10 Tax Deductions For Freelancers

Loans For Freelance Businesses: Your 13 Best Options

heading QuickBooks Self-Employed AND CO Wave

Best Accounting Software for Freelancers

Best Accounting Software for Freelancers

Best Accounting Software for Freelancers

ReviewCompare

ReviewCompare

ReviewCompare

Pricing

$10 – $17/month

$0 – $18/month

$0/month

Size of Business

Self-Employed

Self-Employed

Small

Ease of Use

Very Easy

Very Easy

Very Easy

Customer Service

Fair

Very good

Poor

Number of Users

1

1

1

Number of Integrations

4

10

4

Cloud-Based or Installed

Cloud-Based

Cloud-Based

Cloud-Based

Mobile Apps

iOS & Android

iOS & Android

iOS & Android

The post Best Accounting Software For Freelancers appeared first on Merchant Maverick.

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Jimdo Review: Pros & Cons of Using Jimdo Website Builder

Jimdo Website Builder Review

Jimdo is known as an easy-to-use, all-inclusive website builder that is designed for people with no coding knowledge. They offer two options for website owners: a DIY builder that puts you in control of choosing a template and customizing it, or an AI website builder that uses artificial intelligence to build a template for you, then walks you through the various tweaks you can make.

See Jimdo’s Current Plans & Pricing

Recently, I gave Jimdo a try for a full Jimdo review. But before I get into the pros and cons of my Jimdo review, let’s dive into an overview about tools to build a website.

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 Jimdo?

On the wide spectrum of website building solutions, Jimdo lives on the end that is all-inclusive and 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, you buy a domain, hosting, and website software separately.).

Using Jimdo 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.

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

As far as competition, Jimdo competes with all-inclusive website builders like Weebly, Wix, Squarespace, and WordPress.com.

Compared to their direct competition, they focus on using AI to create done-for-you templates and designs so you can focus on plugging in your content and getting up and running quickly.

They also offer a more traditional drag-and-drop builder for those who have more experience, making Jimdo appeal to beginners who have no design or development experience (think DIY-ers who need to create a website ASAP without having any website experience) and those who have a bit of website knowledge and want more customization abilities.

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 Jimdo Website Builder

Here’s what I found to be the pros of using Jimdo — not just in comparison to popular website builders like Weebly and Wix, but as an overall website solution.

Straightforward Sign Up Process

One of Jimdo’s best features is how quickly you can get up and running. Signing up for the platform is a simple process that involves creating an account, verifying your details through your email, and then choosing which website builder you’d like to use.

Jimdo Product Options

One thing to note here — if you’re looking for the easiest, most hands-off way to create your website, the AI web designer is probably your best option. It goes through a series of questions and then creates your website for you, but follows the process up with a detailed, step-by-step tutorial of how to customize your base template. It’s perfect for DIYers who are brand new to building a website.

Jimdo Tutorial

Simplicity

Jimdo is also seriously simple to use, which makes it hard to mess up your website design. Once you choose a template (or have one created for you with the AI builder), you’re pretty much locked in to the layout provided.

The DIY website builder is drag and drop, but it has it’s limitation — you can add new elements to the page, but only within the template structure you’re already given (and limited to the elements provided — but more on that in a bit).

Jimdo Editor

And if you’re using the AI builder, you’re given even more structure (with that comes limitations, but again — we’ll get there). With this option, you have less drag-and-drop and more choose from what they give you. You can customize the styles on the page (like fonts and colors), and you can add premade sections and blocks, but you don’t get the ability to add elements willy nilly.

AI Editor Jimdo

The whole setup is like painting by numbers.

There are obvious drawbacks to this setup, which I will cover in the disadvantages, but it is a real advantage to having limited but accessible design options.

Website Builder Options

Part of what makes Jimdo unique is they offer two design routes — you can either use their AI website builder, which gathers information for you and creates a template based on your answers to questions like “what is your website for?” and “what is your preferred design style?”. From there, Jimdo walks you through a step-by-step tutorial for customizing your assigned website template.

Jimdo AI Set Up

Or, you can take the DIY-approach. In this approach, you select your industry and are provided with a selection of website templates to choose from. Then, you can customize the template with Jimdo’s drag and drop editor. This method is slightly more advanced, but still straightforward and controlled enough to keep newbies in check.

DIY Jimdo

One thing to note if you’re going the DIY route — I found that your industry selection doesn’t matter. I was given the same templates to choose from whether I chose business or healthcare or skipped the industry question all together.

*One additional note here. When using Jimdo for the purposes of this review, I created an additional Jimdo account through a new browser window to go through the sign up process again, and was automatically assigned to the AI website builder. Of course, there’s always a chance for user error, but as a brand new, inexperienced customer to the platform… it was confusing. It’s a potential con for using the platform, but not because of the actual user experience of the builder — it’s just a bit confusing and unclear when signing up.

Some Product Integration

Another benefit of Jimbdo is their product integrations. Aside from offering DNS and hosting services, Jimdo also offers ecommerce functionality with their paid plan (one thing to note — in order to get ecommerce functionality, you do need to choose between the two higher-priced tiers.)

Jimdo Ecommerce

We’ll talk more about pricing in a moment, but just know that you could get the same (or better) functionality for less elsewhere.

European Presence

For U.S. users, this isn’t really a pro or a con, but for those in the EU, Jimdo’s European presence makes it a strong competitor.

Jimdo is a German company and operates data centers in Europe. As a European company, this means that Jimdo’s data protection and privacy standards are much stronger thanks to the EU’s new laws on data and privacy.

Additionally, if you are a US company who needs an EU microsite for an EU audience, Jimdo makes GDPR a bit easier than some website builders focused on the US market.

Cons

But of course, no 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.

Plans + Pricing

Jimdo’s pricing and plan structure is a bit confusing. When first signing up, You can see that paid plans start at $9/month paid annually, which includes your own domain, free hosting but only a 10 page limit.

Jimdo Pricing

However, if you choose a free plan and want to upgrade (which I did), the pricing options appear differently from inside your account.

Jimdo Pricing Part Two

Aside from the convoluted information, the actual competitiveness of the plans and pricing structure leaves something to be desired (err, actually a *lot* to be desired).

Compared to competitors like Wix, Gator, and Weebly, Jimdo is more expensive and has more restrictive limits.

Their free plan doesn’t even offer mobile-friendly site design (a pretty standard design feature in today’s world), and you can’t get basic Search Engine Optimization features until their mid-tier plans. Even the mid-tier Grow plans has hard limits on the number of pages and on bandwidth usage (which to me seems like a double-limit). And I’m all for over-delivering on low expectations, but the support options are seriously deficient.

Plus, there’s no option to may monthly, so you’re locked in for a year.

In short, using Jimdo is going to be more expensive than going with a competitor and more restrictive due to the design and technical limitations (more on that shortly), regardless of whether you’re using it for a year or just a few months.

Limited Feature Set – Design

With any technology product, there is almost always a trade-off between convenience and control (think Android vs. iOS)

And you can really see this trade-off with the Jimbdo website builder. The convenience of their design setup is great. It’s straightforward, fast, and not confusing at all. It puts your focus solely on getting your content onto the premade template and adding additional elements within the template that may enhance your design / user experience.

However, if you want to go anywhere beyond the basics of design, you are limited with Jimdo. In the DIY website builder, you can edit the color, the font, and the general ‘feel’ of the design. You can also choose from a few variations of the template, which essentially just have different navigation styles.

Jimdo Template Variations

With pages, you can delete and add sections and move them around, but you cannot add a page unless you add it to the navigation. You can alter the layout, but you certainly cannot edit the CSS, much less add any other design element outside of the pieces they give you.

And if you’re using the AI website builder, you’re limited even further. As I mentioned above, you can add sections and elements based on pre-built blocks, but that’s about it.

The best way to describe it is a ‘paint-by-numbers’ set up. It’s great to have the basics, but if you want to do anything extra or outside of bounds, then you’re out of luck.

If your website is growing, or becoming a bigger part of your business, the design limitations can be crippling.And unlike other website builders that attempt to solve this issue through apps, extensions, or access to the website code or HTML, there is no outlet for a Jimdo website builder website.

Limited Feature Set – Technical

The limitations on design also bleed over into technical limitations.

Technical limitations are features that you don’t know that you want until you want them, and then you find out you can’t have them.

These are things like integrations with Facebook, Pinterest, Twitter, Google Ads, social sharing options, blogging, and a whole host of every intermediate to advanced marketing tools on the internet. Now, as I mentioned above, Jimdo does give some integrations, like ecommerce and DNS/hosting services. However, there are a ton of technical features that Jimdo doesn’t provide or that are extremely limited.

For example, let’s look at Jimdo’s SEO features. I can edit the page title and description for individual pages, as well as assign noindex, nofollow, or noarchive settings. But aside from that, I’m pretty locked in to what I have aside from editing the HTML in text sections on the page. There’s no options for sitemaps, Schema, Open Graph settings – much less highly advanced options.

Jimdo SEO Options

Even the additional add-0n products are limited. There’s not much to address marketing your site, aside from adding code for Google Analytics and Facebook Analytics.

Jimdo Analtyics

Ultimately, Jimdo leaves much to be desired when it comes to product integrations and additional technical features that can help you better market your website.

Jimdo Review Conclusion

Jimdo certainly makes getting a website up and running easy, especially if you need something that’s done-for-you and requires little customization (just choose their AI website builder). They have a straightforward user-experience and easy-to-use editor/customizer that makes getting your content out there a breeze.

Check out Jimdo’s plans here.

However, there are trade-offs to consider with an all-inclusive website builder — specifically functionality, customization, and control. And this is where Jimdo falls short when compared to other all-inclusive website builders. They’re severely limited when it comes to technical features and integrations, which means if you’re looking to create a website with a base template but still have some flexibility over functionality and enhancements, Jimdo may not be the best option for you.

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

The post Jimdo Review: Pros & Cons of Using Jimdo Website Builder appeared first on ShivarWeb.

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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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6 Free Square Tools To Make Running Your Small Business Easier

If you own a business, you don’t need anyone to tell you about the value of time-saving tools. Personally, whenever I uncover something that unexpectedly makes business run more efficiently, it can almost feel like winning the lottery — time is that important to me. If you juggle a lot of responsibilities during your day, you probably feel the same way. That’s why I was pretty stoked to pull back the curtain and see what’s really behind the scenes when it comes to Square — one of the most popular payment processing apps available. 

In this post, we’ll discuss some of the tools you may not have heard about that are available with any standard Square account. While I also get pretty excited about some of the premium options on offer (like Square’s email marketing and CRM tools), we are going to stick with the freebies in this post. Keep reading to learn about tools you can start using today that may help you do business a little smarter.

Note: Keep in mind, we’re not touching on all of the free software and tools you get with Square — just some of the most valuable ones. Check out our in-depth Square review for a closer look at everything Square has to offer.

Inventory Management

When we talk about what is waiting when you open up a free Square account, one of the most important tools is your inventory management. Good inventory management is so important to keep your customers happy and ultimately help support your bottom line. Understanding what is most popular and identifying your best sellers can help you not only maintain the right amount of stock but support your promotional efforts as well.

So let’s start with the basics. After you enter in an item in your Square dashboard or the POS app, you can add the current stock amount, enable tracking, and set up a low stock alert right from the same screen. Whether you ring up the item from your POS, virtual terminal, or send an invoice, Square adjusts your stock automatically.

You can add item variants as well. Add different price points for sizes, add-ons, or customize however you like. Just name the variant, set the price, and add a unique SKU if needed. And if you sell in bulk, you can use Square’s variable price point feature to leave the price open based on the weight/quantity sold. 

Need a customizable option like a topping change, a special dietary adjustment, or another type of swap-out? You can create modifiers for that, too! Unlike item variations, modifiers don’t decrease inventory accounts. You can opt to assign a price to your modifier, however.

When it comes to managing your physical stock, it is worth mentioning that the free POS account isn’t set up to print barcodes for your SKUs. Some business owners use a Dymo label printer as a workaround. If you have a lot of inventory and need a more robust solution for advanced inventory management (including barcode scanning and printing) in one solution, Square for Retail may be worth your while. Check out our full Square for Retail review for pricing and a better look at all the extra inventory-related features included with the POS. 

Customer Directory

small business loyalty program

When you use Square’s customer directory, the amount of data you have access to automatically builds with each sale. With just a swipe of the card, your list collects data such as your customers’ names, when they visited which location, and their visit frequency. During the sale, your customer may also have entered in their email address with you to get a digital receipt. Of course, if you are feeling bold, you can also ask your customers one-by-one for their email addresses so you can start building a healthy list.

Square’s customer database is accessible through Square Point of Sale or through the Square Dashboard. Under each customer in your directory, you can add a note, upload a file, view any feedback they have left you on their receipts, or create an invoice to send directly (more on that below).

When all of these customer insights build over time, you can start to get a clearer picture of who your loyal customers are, who has visited more than once, and who hasn’t visited you in a while. You can also see what their favorite products are — all of which is useful data for your business in general, and especially for marketing purposes. 

Again, the Square Customer Directory is entirely free to use, and it syncs with all of Square’s other tools — that includes paid software options such as loyalty and email marketing. The Square email marketing tool lets you segment customers, then customize email campaigns based on their habits. Square has pay-as-you-go pricing at 10 cents an email, or you can opt for a monthly subscription to send unlimited emails. Square offers a 30-day free trial for an email marketing subscription, and pricing starts at $15/month for up to 500 customers.

Card On File

deferred interestYou can make it easier for your repeat customers to order by phone or for a future invoice by saving your customer’s credit card information using Square’s Card on File feature. Be aware that your customers have to “sign off” so you can appropriately save their card on file, however. If you are completing a sale on your computer through Square’s Virtual Terminal, you will be prompted to print out the approval release and have your customer sign it. Keep this document in a safe place, because it proves you received their permission to store their card and can protect you from chargeback issues.

If you are at your free Square POS app, your customer can approve saving the card on file by entering in their zip code at the permission screen. After that, you can process their payments quickly and easily with no need to present the card. While it costs nothing to store a card on file or use the feature regularly, keep in mind that you will pay a little more with each transaction (3.5% + $0.15 per transaction instead of 2.75% per swipe/dip/tap) because they process as card-not-present, rather than card-present.  

Is Card On File Secure?

What’s the Difference Between Chip-and-PIN and Chip-and-Signature Cards

Square lets you store your customer’s credit card information with their approval, and yes, it’s fully compliant with the payment security standards set up by the PCI-DSS. That’s because when you enter credit card data, it is only going through the secure Square app. Also take note that when you enter in credit card data — whether during a sale or saving a card on file, the full number isn’t viewable to your or your staff once it’s entered in the system.

Securely saving customer card data is vital to your financial protection as a business and prevents very costly fraudulent risks. For more about Square’s security, check out our related post, Is Square A Secure Way To Accept Credit Card Payments?

Gift Cards

Gift cards may not be the first thing you think of when it comes to business tools, but here are some pretty neat statistics for you: In a 2018 press release, First Data shares a study that found that consumers, on average, spend $59 over the original value of the gift card they receive. Not only that, but shoppers plan to spend 55% of their annual gifting budget on gift cards. That is no small potato when it comes to amping up your revenue.

If I’ve piqued your interest, I have some more good news. Square’s digital gift cards are completely free for you to sell. If you want to offer physical gift cards, you could start with a stock of 20 for $40 or opt for higher quantities with a significantly lower cost with each tier. When your customer pays for the gift card using a credit or debit card, standard processing fees will apply. (There’s no charge for payments made with cash.) When it comes time for the gift recipient to spend with you, you won’t face any additional costs. Square treats this transaction like cash, and they only deduct the amount of the sale from the card. And it’s great that you don’t need to pay any monthly fees to accept gift cards — you just pay the cost of the physical cards (if you want them) and any associated payment processing when purchased. 

Invoicing & Installments

Square Invoice Tutorial

When it comes to invoicing clients, Square makes it pretty easy. First, you can send an unlimited amount of professional-looking invoices for free. And instead of your customer having to call you with their number or waiting for a paper check, they follow the prompts and pay securely online. You can also send files, images, contracts, or attach information along with the invoice.

If you sell larger ticket items and want to finance your customers, you may also be interested in Square Installments. With this service, you can let your customer pay over time, while getting all of the funds upfront from Square. That’s because Square takes the risk by checking their credit and approving or denying the purchase. To find out more about letting your customers pay by installments, check out How Does Customer Financing With Square Installments Work?

If you want to assume more of the risk or set up a layaway program, however, you can also send out a regular invoice to request a down payment or partial payment as well. There is simply a lot of flexibility afforded with invoicing and installments. Read our Square Invoices Review to find out more about this tool and how to use it for your business.

Virtual Terminal

 

Don’t have a card reader handy? Does a customer want to pay over the phone? You can accept payments securely at your own computer when you log into Square dashboard and go to your Virtual Terminal. There are many scenarios when taking payments at your virtual terminal can empower your business model — and it makes for a great backup if other devices are misbehaving. 

In any case, you can still take payments quickly via Square’s Virtual Terminal. You can manually enter in the credit card information, or you can pull up a customer in your directory and charge a card you have saved on file. If you have a Mac or Chromebook, you can still connect a basic magstripe reader and swipe the card at your computer, too! 

Square charges no software fees to use the virtual terminal and it’s included with all free Square accounts, but you will still have to pay transaction costs. With keyed entry, you’ll pay 3.5% + $0.15 per transaction, or 2.75% for swipe transactions.

Square Card

At first glance, the Square Card may seem like just another line of credit, but it isn’t. The Square Card is a debit card that gives you instant access to any of the funds that are in your Square account in real time. So why are so many business owners stoked about the Square Card? For one, it can help manage and organize cash flow. One way to separate business expenses from everything else is to keep all of your business expenses on your Square Card. It makes sense because you’ll also always have an itemized list of exactly what you spent at the Square app under “Card Spend.”

Keep in mind that once you get the ball rolling with your Square Card, your funds are automatically going to sit in your Square balance unless you manually transfer funds into a different account. You can do so at any time and Square will deposit funds in the next 1-2 business days. If you want your funds deposited into your main bank account faster, you can also opt for a same-day instant deposit for the fee of 1% of the total amount.

When it comes time to spend your balance, the Square Card is a debit card accepted at any merchant that takes MasterCard. As far as cost, the Square Card is completely free with no annual or usage fees whatsoever. The other cool bonus is that you get a 2.75% discount at all other Square merchant locations. If you have a Square account, you can request your free Square Card under Deposits at the Square Dashboard. Note that Square doesn’t automatically send you a card when you open your account.

Is Square Right For You?

There is no doubt that Square offers an abundance of tools and add-on software apps that can help you run your business more efficiently. Utilizing inventory management tools can help you stay on top of the ebb and flow of demand, and payment processing options offer flexibility when you need it.

We’ve only scratched the surface when it comes to Square’s tools because there are many layers to Square’s solutions. Check out our Square Review to get even more details about features and pricing so you can make the decision that’s right for you. You can also set up a free Square account and play around in the dashboard and check out the tools yourself.

The post 6 Free Square Tools To Make Running Your Small Business Easier appeared first on Merchant Maverick.

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Site123 Review: Pros & Cons of using Site123 Website Builder

Site123 Review

Site123 is a fast-growing, independently-owned, website builder based in Israel focused exclusively on DIYers. They claim to be “the most intuitive and easy to use website builder on the market”.

Check out Site123’s Current Plans & Pricing

Recently, I gave Site 123 a try for a small project after receiving a few reader questions. But before I get into the pros and cons of my Site 23 review, let’s consider a bit of background on building a website in general.

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 Site123?

On the wide spectrum of website building solutions, Site123 lives on the end that is all-inclusive and 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. I wrote a post on Website Builders, Explained for more background.

Using Site123 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 with all software, but especially with website builders.

Everything may fit together just right with a website builder like Site123, but that may or may not be what you’re looking for.

As far as competition, Site123 competes with all-inclusive hosted website builders like Weebly, Wix, Squarespace, Gator, and WordPress.com.

Compared to their direct competition, they focus on speed and ease by providing done-for-you templates and designs so you can focus solely on content.

Instead of operating like a traditional drag-and-drop website builder, Site123 has you pick your niche and then customize a curated template based on that niche, which appeals to beginners who have no design or development experience (think DIY-ers who need to create a website ASAP without having any website experience).

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 Site123 Website Builder

Here’s what I found to be the pros of using Site123 — not just in comparison to other website builders, but as an overall website solution.

Straightforward Signup Process

One of Site123’s best features is how quickly you can get up and running. Signing up for the platform is a simple, three step process (hence the name Site123), and it’s straightforward, easy to understand, and efficient.

Site123 Set Up

Plus, Site123 builds in education through a simple, step-by-step tutorial that walks you through how to customize your assigned theme and add content to your website, which is an excellent feature for users who haven’t customized / built a website before.

Site123 Tutorial

Simplicity

Site123 is also seriously simple to use. As I mentioned before, Site123 provides you with a template based on your selected industry and type of business/website within that industry.

Site123 Template Selection

While the website builder is not drag and drop, you can choose from a menu of page elements to change the design within your selected theme.

Site123 Select Page Elements

The whole setup is like painting by numbers.

There are obvious drawbacks to this setup, which I will cover in the disadvantages, but it is a real advantage to having limited but accessible design options.

The site layout is mobile-friendly and maintains an acceptable look/design no matter what you do to the design options.

Product Integration

Another benefit of Site123 is their extensive list of product integrations. Aside from offering DNS and hosting services, Site123 also offers several plugins (software that you can “plug in” to your website to get additional functionality). From advertising software to analytics tools to marketing + support, their library is extensive.

Site123 Product Integration

Site123 also offers ecommerce functionality. One thing to note here though — to use the integrations, you have to have a paid plan.

And to get ecommerce functionality, you have have to choose between the two higher-priced tiers. We’ll talk more about pricing in a moment, but just know that you could get the same (or better) functionality for less elsewhere.

Cons

But of course, no review would be complete without looking at the downsides. Every piece of software will have complaints. Here are the cons I found with using Site123

Pricing

Site123’s paid plans start at $10.80/month, which includes a free domain for a year/the ability to connect your domain, 10 GB of storage, 5 GB of bandwidth, and the ability to send 100 email messages (side note – who counts email messages?) to your mailing list per month. It also removes the Site123 branding that comes with the free plan.

Site123 Pricing

But compared to their direct competitors like Wix and Weebly, Site123 is much more expensive and offers much less. At each stage, Site123 doesn’t even allow unlimited bandwidth or storage.

And compared to self-hosting (piecing domains, hosting, and email separately) – it’s not a good value at all.

If you’re using Site123 for more than a few months, it’s going to be more expensive than going with a competitor (and more restricting due to the design and technical limitations – more on that shortly).

Limited Feature Set – Design

With any technology product, there is almost always a trade-off between convenience and control.

And you can really see this trade-off with the Site123 website builder. The convenience of their design setup is great. It’s straightforward, fast, and not confusing. It puts your focus solely on getting your content onto the premade template by generating a curated template for you.

But here’s the thing — if you don’t like the template you’re given, changing it up is a pain. If you want to go anywhere beyond the basics of design, you are very limited with Site123.

For your theme, you can edit the color, the font, and the general ‘feel’/structure of the design.

Site123 Theme editing

With pages, you can choose certain layouts from pre-made choices.

Site123 Page Layout Editing

But you cannot change the layout. You cannot drag and drop. And you certainly cannot edit the HTML and CSS, much less add any other design element.

Site123 Page Editing Example 2

It’s even difficult and near impossible to edit the menu without changing other design elements on the website.

Site123 Menu

The best way to describe it is a ‘paint-by-numbers’ set up. It’s great to have the basics, but if you want to do anything extra or outside of bounds, then you’re out of luck.

If your website is growing, or becoming a bigger part of your business, the design limitations can be crippling. And unlike other website builders that attempt to solve this issue through apps, extensions, or access to the website code or HTML, there is no outlet for a Site123 website builder website.

Limited Feature Set – Technical

The limitations on design also bleed over into technical limitations. Technical limitations are features and functionality that you don’t know that you want until you want them, and then you find out you can’t have them.

These are things like integrations with Facebook, Pinterest, Twitter, Google Ads, social sharing options, blogging, and a whole host of every intermediate to advanced marketing tools on the internet. Now as I mentioned above, Site123 does offer additional features through plugins and apps, but due to the control you give up with the website, you’re fairly limited in how much you can integrate, add on, or even edit within the tools provided.

For example, let’s look at simply editing SEO elements on a page. With the Site123, I can add in a meta description and site slogan, but that’s about all I can do aside from adding header tags inside the content editor. Even basic SEO needs more than that.

Think of it like the difference between cooking in your own kitchen and building your own burrito at a fast food restaurant.

With Site123, you can certainly choose the ingredients that go into your burrito, but your choice is really an illusion because you’re limited to the ingredients that are offered by the restaurant. Like the design, that can be a good thing if you need something simple, and will always need something simple. But if you ever need to upgrade or do something unique or custom, it can be very limiting.

Culture & Lock-in

After looking at a lot of companies across domains, hosting, VPNs, website builders, ecommerce, and more – I’ve noticed that company culture, structure, and policies can speak more about a customer’s long-term experience than a feature matrix.

A website builder is inherently a global business. Every Internet company has remote employees and worldwide data centers. But I’m never a fan of companies not sharing their story or what they are all about. Site123 is incredibly vague about their story, their policies and your relationship to them as a customer.

For example – here’s their about page.

Site123 About Page

It’s a sales page. Here’s a couple answers to FAQs –

Site123 Data Export

Site123 Moneyback

Now – I get that they are a free, hosted website builder. Most website builders have trouble with website export. But their messaging is quite stark with no offer of help scraping or downloading even image files and text.

And the cancellation policy is very odd because it conflicts directly with the purported difficulty of providing a website download. A hosted website builder service should be able to be cancelled at a click of a button. There should be no manual reviews of forms.

Again – this point isn’t meant to raise a potential non-issue for no reason. Site123 might provide a fantastic long-term experience. However, difficult cancellation policies and vague about pages tend to correlate with less than ideal long-term experiences.

Site123 Review Conclusion

Site123 certainly makes getting a website up and running easy, especially if you need something that’s done-for-you and requires little customization. They have a straightforward user-experience and easy-to-use editor that makes getting your content out there a breeze.

Check out Site123’s plans here.

However, there are trade-offs to consider with an all-inclusive website builder — specifically functionality, customization, and control. And this is where Site123 falls short when compared to other all-inclusive website builders. If you’re looking to create a website with a base template but still have some flexibility over design and functionality, Site123 may not be the best option for you.

Not sure Site123 fits your needs? Check out my quiz to find what the best website builder is for you based on your preferences.

The post Site123 Review: Pros & Cons of using Site123 Website Builder appeared first on ShivarWeb.

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How To Use Square To Accept Credit Cards In Person

Square has carved out quite a spot for itself in the world of payment processing. When it comes to accessibility, there are few rivals. With no credit checks, sign-up fees, monthly fees, or cancellation fees, and a very transparent pricing model, it’s no wonder why Square remains the go-to option for business owners who want a no-hassle choice.

In fact, it’s so easy to get started, that you can usually start taking payments immediately after setting up your Square account! That being said, it helps to get a bit familiar with the process before ringing up your first customer — and there is more than one way to do it. If you are interested in weighing your options, this post is for you.

We are mainly going to focus on taking payments with physical cards in this post, so if you have an eCommerce shop, you may want to check out our Square Online Store and eCommerce Review. If, however, you want to know how to ring up your sale and get some important details to help you choose the best options, keep reading.

To start us off, here is a short list of the ways you could accept payment with Square:

  • Your device + Square Point-of-sale (POS) app +  Square card reader
  • Keying in credit card information in the Square POS app
  • Square POS hardware (e.g., Square Register)
  • Accessing the Square Virtual Terminal from your laptop

Below, we are going to start by explaining how to accept payments with the Square Reader. After going through some different scenarios, we’ll also explore Square’s POS hardware for those of you with a physical storefront. By the end of this post, you should feel confident navigating your options and finding the best solution (or solutions) for your business processing needs.

But first, a note on Square’s payment security.

Square & Payment Security

Right out of the gate, we need to take a quick minute to cover payment security. It’s that important. Regardless of how you accept a payment — whether that is keying in a card,  swiping with a magstripe reader, a dip or tap, etc. — Square provides secure and PCI compliant payment transactions. That is to say, Square is fully compliant with the latest Payment Card Industry Data Security Standard (PCI-DSS). And that also means you won’t have to pay additional PCI fees or hire a team to manage ongoing compliance, either.

This out-of-the-box payment security is just one reason Square is such a powerhouse for the millions of small business owner who trust it.

Let’s take a look at the Square reader options next.

How To Use A Square Reader For Mobile Payments

We’ll start with the obvious: the Square reader. Assuming you have already downloaded the Square app, it’s effortless to accept payment with your reader.

  • Step One: Open the app on your device. You will already be at the screen you need to make a charge. No fumbling required!

Taking a Payment with Square

  • Step Two: If you have entered inventory into your Items list, find the item and click what you need. The total will automatically update.
  • Step Three: Tap the Charge button when you’re ready.
  • Step Four: Swipe or insert the card, or tap your connected reader. You can also manually enter the card number (keyed entry) if necessary.
  • Step Five: Your customer will sign their name and the sale is complete!

Don’t have a connection? Suffering from a spotty connection? Square’s offline mode helps you avoid losing the sale. Your customer’s data is securely saved in the app and the transaction will process when you connect your device to the internet again (WiFi or cellular connection). You must reconnect within 72 hours, though, or the transaction will cancel.

It’s really that easy. To see how Square stacks up next to other mobile credit card processors, check out our Mobile Credit Card Processing Comparison table.

Square Transaction Fees & Mobile Reader Costs

As stated at the start of the post, Square offers very transparent pricing. If you use Square Point of Sale on a smartphone or tablet with a mobile card reader, you’ll pay the standard processing fee of 2.75% per swipe, dip, or tap. And keep in mind that no matter what type of card your customer hands you, Square charges the same fee per transaction. If for some reason you need to key-in the credit number, you will pay 3.5% + 15 cents for manually-entered transactions. We will revisit the types of card-not-present transactions later in the post.

Let’s talk a little more about the Square Reader, because you do have some choices that go beyond the free magstripe device. The good news is that Square readers work with nearly all Android or iOS devices running the latest updates. If you’re in doubt, Square offers a compatibility tool so you can look up your device and see for yourself.

After signing up for a new Square account, you can choose which free Square reader you would like — and they’ll ship it directly to you for free. Depending on your device needs, you can choose between the lightning adapter for iOS or the standard 3.5mm headphone jack reader. The other option you have is to shell out $49 for the Contactless + Chip reader.

The free magstripe card reader is great for getting started, but I recommend considering the upgraded Contactless + Chip Reader for improved payment security in processing. (It also offers your customers more ways to pay you.)

Square Reader

Square also sells a small charging dock so you can keep your contactless reader fully charged through the day. If you opt for the contactless reader, you can also purchase a specially designed Otterbox case from Square. You can slide the contactless reader on the back of the case if you’re on the go. Unfortunately for Android users, the case only fits an iPhone 7 or 7 plus, but I have a hunch there will be more options for this one when the demand grows.

Can You Use A Square Reader With Multiple Devices?

You may be wondering about the possibility of sharing a reader between different devices — or maybe even switching readers. Good news! You can do either of those things! If you have more than one device, decide to upgrade a device (or reader for that matter), need to swap a device, or hand your Square reader to a different team member for them to plug into their phone, you can do so without an issue.

That’s because your account is anchored to your Square POS app, not to a specific reader. When you or your team member signs into the Square POS app, transactions go into the system automatically. You can use the same reader across different accounts, too. So if you have two businesses, or you have more than one Square POS app (like Square Retail or Square Restaurants), the reader works interchangeably with those as well.

Keep in mind that when you choose your reader, you may limit your usage. For example, you can only use the lightning reader with iOS, but the standard 3.5mm headphone jack reader is compatible with multiple devices. Of course, you can always purchase more readers to suit your needs and keep up with a growing team. As long as they are signed into your Square account, all sales will be synced to your account.

How To Use Square’s Countertop POS Systems

Square Register

If you are considering how you can use Square’s countertop POS systems to make business flow, here are your options:

Square Stand for Contactless and Chip:

When you use the Square Stand with the free Square Point of Sale (POS), you will need to bring along your own compatible iPad (most recent model) or purchase an iPad to go into your stand. The magstripe reader is built-in if you must swipe, but we recommend utilizing the Square Reader for contactless and chip payment for the latest payment security protections. The Square Stand also comes with a dock to keep the contactless reader charged and stable.

When it comes time to ring up an order, you’ll complete the sale just as you would through your mobile device, as the free Square POS app is still the engine that’s running the whole thing. The Square Stand for Contactless and Chip makes a great choice if you are looking for a more prominent, bonafide countertop POS option. It has a simplistic design with minimal cords and offers more screen real estate to find inventory and add to your sale.  

Square Stand for Contactless and Chip

With the Square Stand, you can run your Square POS app or the premium options created just for retail and restaurants. Find out why these might be a better option for you (and see the fee differences) by visiting our Square for Retail or Square for Restaurants reviews.

Square Terminal: 

The Square Terminal is a great all-in-one choice if you want a little more portability than the Square Stand offers. You can swipe, dip, or tap credit and debit cards, and it even has a receipt printer built right in. Terminal runs the free Square POS app, so it’s easy when it comes to ringing up a sale. You can also access features such as your customer directory, reports, and inventory tools.

If you are running Square for Restaurants, you won’t have access to all of the bells and whistles, but Square Terminal does have limited compatibility with the Restaurants POS. For example, you can pull up an open ticket and settle payments right at the table — complete with a receipt! When all is said and done, The Square Terminal can hold its own as an excellent countertop solution, but it’s also lightweight enough to use as a mobile solution. And because Square POS has an offline mode built right in, you don’t have to worry about losing connection. Transaction data is all saved safely with Square and ready to process when your device is back online.

Square Register:

They built the Square Register with both your and your customer’s ease of use in mind. There’s one 13.25-inch screen for you, and one for 7-inch display customers, complete with magstripe, chip card, and contactless payment processing built in! Square Register runs Square POS and supports Square Loyalty and other software add-ons. The Square Register also supports the back-end features of the premium Square for Retail software, such as the advanced reporting and inventory features, but can’t run the POS app itself. 

Not sure what you need? Check out A Guide To Square Credit Card Readers And POS Bundles to compare and explore your options. Below, we’ll break down the cost of the hardware we just talked about, and discuss the transaction fees associated with each.

Square POS Hardware Costs & Transaction Fees

As always, Square pricing is very straightforward. Below we’ve listed prices for the hardware and what it will cost you to process payments.

  • Square Stand for Contactless and Chip:  The cost for this one is $199.00. If you want to add an iPad, you can do so for $329.00. Note that the stand is only compatible with an iPad (2017, 2018), iPad Pro 9.7”, or iPad Air (1, 2). You’ll pay a flat 2.75% per swipe, dip or tap transaction at the Square Stand so long as you are running the free Square POS. Square For Restaurants and Square for Retail process at different rates — 2.6% + $0.10 for Restaurants and 2.5% + $0.10 for Retail.
  • Square Terminal: To get your business a Square Terminal, you’ll pay $399.00, shipping included. You can also opt to add on 20 rolls of terminal print paper for another $20.00. Your payment processing fee is 2.6% + 10¢ per swiped magstripe cards, swiped or inserted chip cards, and contactless payments.
  • Square Register: Square Register costs $999.00 to purchase it outright. Shipping is free, and it arrives in seven business days or less. It’s ready to start processing payments right out of the box, so there’s no fuss when it comes to launch time. Contactless payments, swiped or inserted chip cards, and swiped magstripe cards processed through cost 2.5% + 10¢ fee.

If you add on specialized software, such as Square for Restaurants or Square for Retail, you will have an additional monthly charge (both starting at $60/mo). Both of these premium POS systems are geared towards specialized businesses and include features such as advanced reporting (for retail), and table mapping (for restaurants).  

How To Accept Card-Not-Present Payments with Square POS  

Small Business Owner Using Square Customer Service

There may be some situations when you need to take a payment from your customer, and you can’t swipe, dip, or tap the card. Maybe you don’t have your reader with you, or you want to take an order over the phone. Whether the card is physically present or not, if you manually enter in the card information, it’s considered a card-not-present transaction.

In the next section, we will lay out the payment processing costs for such transactions. But first, let’s discover the ways you can process a card with Square if you don’t have your reader (or the card) in hand.

Virtual Terminal

If you log into the Square Dashboard from your computer, you can key in manual payments from your Virtual Terminal (not to be confused with the Square Terminal hardware). You won’t need additional hardware to complete the transaction. You simply go into the terminal and enter the amount, credit card information, and even add a note to describe the sale. Then you hit “Charge,” completing the transaction. You can also take “Card on File” payments from the Virtual Terminal (more on that below). If you have a Chromebook or Apple laptop, you can connect a basic magstripe reader to swipe transactions. In that case, you’ll pay the standard swipe rate instead of the keyed entry rate.

Card-on-File Transactions

Whenever you ring up a sale, you can also opt to save your customer’s card number on file for future use. After that, you always have the option of selecting “card on file” to complete the sale. However, keep in mind that whenever you ring a card-on-file transaction later and don’t swipe, dip, or tap, you have entered into “card-not-present” territory and slightly higher processing rates apply. 

Security Concerns with Card On File 

The Square app only reveals the last four digits of your customer’s credit card on file and does not save CVV card data to remain PCI compliant. Any time you make a transaction with Card on File, Square automatically sends a receipt to the customer so they have a record of the transaction, to help minimize the risk of unauthorized charges.

You should never save your customer’s card data unless it is stored with PCI-compliant software (such as Square). Businesses that store customers’ payment data improperly put everyone in danger of a breach, and the company can be liable for the breach, should it occur. Small businesses are targeted by fraudsters looking for unsecured data, and it is a lot more common than you may think. If you save the card on file through Square POS or Virtual Terminal, keep in mind that Square also requires you to obtain written consent to store the card on files — the site provides a form you print off and store somewhere secure. Also, your customer can revoke their consent to keep their card on file with you at any time.

Manually Keying-In Credit Card Information

In addition to the Virtual Terminal included with Square, you can always opt to enter credit card information manually with the Square POS app. Because there is a higher chance of fraud when you don’t capture the electronic data, it’s going to cost you a bit more to process. However, sometimes it is necessary to take these types of payments. Use your discretion with these types of transactions, and swipe, dip, or tap the card if at all possible to reduce your fees (and your chargeback risk). However, if a card is particularly worn down, the card reader is just misbehaving, or you don’t have your Square reader handy, it’s good to know you have a backup option to accept payments. 

Invoices

If you are looking for yet another workaround when it comes to processing payments, don’t have your reader handy, and you don’t want to key in the amount, you always have an option to send an invoice. Your customer will get the invoice via an email right away. From there, they can open their email and follow the prompts to enter in their credit card information from their own device. This is especially good for higher-value transactions where keying in the card number might send up a red flag. 

Check out our Square Invoices review for a more in-depth look at Square’s free software, but for now, what you need to know is that you can link your inventory to invoices, allow customers to send tips, take down payments, and even enable installment payments.

Square Keyed-Entry Transaction Fees

As we covered above, there are several scenarios in which you may want or need to key in your customer’s credit card information and more than one way to do it. Here’s how much it’s going to cost you to process these types of payments:

  • Keyed Entry Payments (Square POS Or Virtual Terminal): 3.5% + 15¢
  • Card-On-File: 3.5% + 15¢
  • Invoicing: 2.9% + 30¢

Is Square’s Credit Card Processing Right For You?

Square offers several solutions for businesses at every stage. That means that if you’re a one-person shop now, you don’t really have to worry about finding a new solution when you grow because Square offers so many scaleable hardware options. When it comes to taking payment at your storefront or on the go, there are many ways to go about it. And with a transparent pricing model, there are no surprises on the back end. Because Square offers an all-in-one solution with payment processing and PCI compliant security built right in, you don’t need to worry about jumping through hoops to keep up with the latest global payment security regulations.

So is Square right for you? Sometimes the best way to find out is to see for yourself! Consdier setting up a Square account and playing around with the possibilities. It’s free to set up a Square account, and there are zero commitments or contracts required.

If you are still weighing all of your options when it comes to processing, check out this Mobile Credit Card Processing Comparison table for a quick side-by-side view of some top-rated companies.

Reader eCommerce Retail Food Service
Free App & Reader Square eCommerce Square for Retail Square for Restaurants
Get Started Get Started Get Started Get Started
Free, general-purpose POS software and reader for iOS and Android Easy integration with popular platforms plus API for customization Specialized software for more complex retail stores Specialized software for full-service restaurants
$0/month $0/month $60/month $60/month
Always Free Always Free Free Trial Free Trial

The post How To Use Square To Accept Credit Cards In Person appeared first on Merchant Maverick.

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The Best Mobile Credit Card Readers For iPhone and iPad

If you’re in the market for a mobile card reader and a credit card processing app, there’s no shortage of options. The trick is finding the right option for a given business. One of the big factors that determine which apps are suitable is what kind of smartphone or tablet you have. Fortunately, if you have an iOS device — that is, an iPhone or an iPad — you have plenty of options.

Our Top Picks For iOS-Based Credit Card Readers & Mobile Apps

The first decision when choosing a card reader and mobile processing app is selecting the device itself. For the most part, iOS-compatible mobile apps and readers support iPhones and iPads alike with no major issues. But after you’ve narrowed down the list of apps based on supported devices, you’ve still got several other factors to consider — transaction costs, monthly fees, essential features, whether you want a standalone mobile app or something that supports invoicing and online payments… and that’s just to get the list started! The cost of the card reader and accepted payment methods are just as important as app features when you’re dealing with mobile processing.

So without further ado, here’s a list of our favorite card swipers and mobile apps for iPhones and iPads, as well as why we like them.

App Name Square Shopify Lite Payment Depot Mobile Fattmerchant Mobile

Payment Depot merchant services review

Review

Visit Site

Review

Visit Site

Review

Visit Site

Review

Visit Site

In-Person Transaction Fees

2.75%

2.7%

2.6% + $0.10

Interchange + $0.15

Monthly Fee

$0

$9

$10

$99

Monthly Minimum

$0

$0

$0

$0

Type of Processor

Third-Party

Third-Party

Merchant Account

Merchant Account

Account Stability

Good

Good

Excellent

Excellent

Card Readers

Free magstripe reader (Contactless + Chip Reader $49)

Free Chip & Swipe Reader (retail price $29)

Free Swift B200 reader (chip and swipe)

BBPOS Chipper BT (chip and swipe, $75; swipe, chip and contactless, $100)

Payment Depot (Swipe Simple)

Payment Depot (read our review) offers a subscription-based pricing model for its merchant accounts, with a host of software options for businesses to choose from (including Clover). Standard pricing plans for Payment Depot start at $49/month, with transactions processing at interchange + $0.15. However, if you’re looking for a mobile solution that runs on an iPad or iPhone, Payment Depot offers the Swipe Simple app, and Merchant Maverick readers can get access to special pricing that’s competitive even for low-volume merchants.

With this exclusive plan, you’ll get the Swipe Simple app and payment processing at 2.6% + $0.10 per transaction, with only a $10 monthly account fee. Remember, this is a Merchant Maverick exclusive, so you’ll need to use our link in order to get the special pricing.

Swipe Simple is a very functional credit card processing app. It runs on iPhone and iPad devices, as well as Android hardware. It even comes with a demo mode so you can test out the app before you sign up, which is always nice to see. There’s limited inventory management, but you can track stock counts. There’s even an offline mode. Check out our Payment Depot Mobile/Swipe Simple review for a closer look at the software.

In addition to the app, Payment Depot offers a choice of two readers. The Swift B200, a Bluetooth-enabled reader that supports magstripe and chip card transactions, is available to merchants for free. If you’d like to add contactless payments, you can get the Swift B250 for just $25, which is a fantastic price for an all-in-one card reader.

Shopify Lite

Shopify (read our review) is mostly known for its ecommerce platform, but it has also developed a quite powerful POS app that integrates with its online shopping tools. Shopify POS is included for free in all standard Shopify ecommerce plans, but if you don’t plan to sell online or only need some very basic online sales tools, there’s another option: Shopify Lite (read our review), which lets you create “buy” buttons and run a Facebook store for online sales, as well as giving access to the Shopify POS.

Shopify Lite will run you $9/month and 2.7% per transaction, which is a reasonable cost. The POS app runs on both Android and iOS, but an iPad offers the best user experience and access to the most features. However, keep in mind that the Lite plan is still limited even with an iPad; specifically, there’s no support for a cash drawer, barcode scanner, or receipt printer. That feature is only accessible with the Shopify Basic plan, which costs $29/month and includes a full web store with unlimited products.

Shopify also offers a free Chip & Swipe Reader for its merchants. It retails for $29 normally, which is still a great price for a Bluetooth-enabled chip card reader. We’ve reviewed the Shopify Chip & Swipe reader already, and you can check that out for a closer look.

Square

Square’s mobile point-of-sale app, simply called Square Point of Sale, gets a lot of love, and rightfully so. The app is free to use and you only pay a per-transaction fee of 2.75%. Square’s pricing makes it very attractive for low-volume and startup businesses, and there is an assortment of hardware options available. The Square Point of Sale app supports both iOS and Android devices, but certain features are not universally supported. An iPad gives you access to the vast majority of these features, but the iPhone supports all of the core features and many of the secondary, non-universal features. Check out our in-depth Square POS review for a comprehensive look at the free POS app and its features. For a closer look at the rest of Square’s products, check out our complete Square review.

As far as hardware goes, let’s start with the basics. Square has been offering a free basic magstripe reader for a long time, and it still does. (Note: you can also get the Square reader in some retail stores for $10.) However, the removal of the 3.5mm headphone jack from newer iPhone models has complicated matters somewhat. Square responded by rolling out a Lightning port magstripe reader. When you sign up for your free Square account, you can choose which model of reader you need. Square no longer offers multiple free readers; after the first one, you’ll pay $10 per reader.

However, it’s important to also consider accepting EMV chip cards, especially if you’re doing a consistent volume of business or large transactions. Square’s Contactless + Chip Reader supports both EMV and contactless NFC payments. It includes a separate magstripe reader for swipe transactions.

The Contactless + Chip Reader sells for $49, but Square does offer financing for hardware purchases that cost at least $49 (convenient, isn’t it?). You can also purchase cash drawers, receipt printers, and even tablet stands directly from Square.

Want to know more about Square’s hardware? Check out A Guide to Square Credit Card Readers & POS Bundles for an in-depth look at your options.

Fattmerchant Mobile

Fattmerchant Mobile isn’t an option that I talk about a lot, mostly because it’s best targeted at high-volume businesses. However, until recently, it was an iOS-exclusive, and even now, the iOS platform is more robust than its Android counterpart. Fattmerchant (read our review) offers customers their own merchant accounts, which translates to a high degree of account stability. Its Omni platform, which includes the mobile processing app, invoicing, and a customer database and inventory management, combines many core features in a single platform. Check out our Fattmerchant Mobile review for a more comprehensive look at the app and its features.

Fattmerchant operates on a subscription pricing model, with a monthly fee that starts at $99/month. Mobile and invoice transactions cost interchange fees + $0.15 per transactions — there’s no percentage markup at all. However, if you opt for the mobile credit card carder, you’ll get the card-present rate of interchange fees + $0.08 per transaction. You can simply key in all the transactions if you prefer — just know that you’ll pay higher interchange fees in addition to the $0.15 markup.

Fattmerchant offers a choice of two different card readers, the BBPOS Chipper BT and the BBPOS Chipper X2 BT. The Chipper BT model supports both magstripe and chip card transactions and connects to your device via Bluetooth. It goes for $75. The Chipper X2 adds contactless payment support to the magstripe and chip card readers and also connects via Bluetooth. It goes for $100.

Honorable Mentions

While I have no qualms with saying the four options I’ve presented are the best of the best, there are a couple of other mobile apps and card readers that are good options for iPhone and iPad users. So let’s talk about them!

PayPal Here

PayPal Here integrates with the rest of PayPal’s services so that you can sell online and in person seamlessly, much like Square. While it doesn’t offer quite as many features as Square, it’s still a very functional mobile app. Check out our PayPal Here review for a closer look at all the features.

PayPal Here processes payments at 2.7% per transaction, with keyed entry at 3.5% + $0.15. PayPal no longer offers a free card reader. Instead, you’ll need to shell out $15 to get its magstripe reader. PayPal will also place limits on your account if you opt for the magstripe reader, making it viable mostly for very low-volume businesses. As an alternative, PayPal offers two Bluetooth enabled cardreaders, starting with the Chip and Swipe reader, for $24.99.

If you also want contactless support, PayPal’s Chip and Tap Reader (retail price $59.99; bundle with stand $79.99). However, there’s another option for iPad users who want a more robust software option: Vend (read our review) with a PayPal integration. You’ll get PayPal’s 2.7% rate for payment processing with no monthly fee from PayPal. Of course, you’ll have to choose your Vend plan as well — and get the appropriate hardware. You’ll need the PayPal Chip Card Reader, which goes for $99.

PayPal + Vend POS
Advanced POS software
Easy credit card processing integration
Get Started For $0

SumUp

SumUp (read our review) isn’t quite as complex or feature-laden as some of the other options on this list, but if you just need an iPad or iPhone credit card reader and app, SumUp will get the job done. Payments process at 2.65%, and there’s no monthly fee to use the software. For a better idea of how SumUp stacks up against the competition, I suggest checking out our Square vs SumUp comparison.

SumUp’s cardreader, at $69, is definitely a little expensive, but it’s a beautifully designed piece of hardware. It’s Bluetooth enabled and supports magstripe, chip card, and contactless payments. You can also occasionally catch it on sale for a reduced price. I suggest checking out our SumUp unboxing review for a closer look at the reader.

Which iPhone/iPad Credit Card Swiper Is Right For You?

In payment processing, especially mobile processing, it’s impossible to take a one-size-fits-all approach, so it’s really important that you, the business owner, spend some time figuring out what features you need in a credit card processing app. You should also consider what kind of pricing model works best for your business, and do the math to see what you’d really pay with each option on your short list. And of course, there’s the card swiper, too. While a free magstripe reader might be enticing, you should really consider upgrading to a chip card-capable reader to protect your business.

App Name Square Shopify Lite Payment Depot Mobile Fattmerchant Mobile

Payment Depot merchant services review

Review

Visit Site

Review

Visit Site

Review

Visit Site

Review

Visit Site

In-Person Transaction Fees

2.75%

2.7%

2.6% + $0.10

Interchange + $0.15

Monthly Fee

$0

$9

$10

$99

Monthly Minimum

$0

$0

$0

$0

Type of Processor

Third-Party

Third-Party

Merchant Account

Merchant Account

Account Stability

Good

Good

Excellent

Excellent

Card Readers

Free magstripe reader (Contactless + Chip Reader $49)

Free Chip & Swipe Reader (retail price $29)

Free Swift B200 reader (chip and swipe)

BBPOS Chipper BT (chip and swipe, $75; swipe, chip and contactless, $100)

The takeaway is that there is no shortage of great credit card processing apps for iPhone and iPad users! And you’ll get a great assortment of credit card readers to go with. Don’t forget to check out our companion article, The Best Credit Card Reader Apps to Android.

Thanks for reading! What’s your favorite credit card processing app and mobile card reader for iOS devices?

The post The Best Mobile Credit Card Readers For iPhone and iPad appeared first on Merchant Maverick.

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