10 Best Payment Processing Solutions for Your Online Business
The demand for online shopping is witnessing unprecedented growth. It has boosted the need for online payment processing solutions to enable quick, secure, and easy payments across the globe.
Según Statista, más $ 5 billones was generated via digital payments globally in 2020. Another survey also found that 27% of US customers used online processing solutions like PayPal and Amazon. And this demand is going to increase in the future.
Por lo tanto, si tiene un negocio en línea, debe incluir una solución de pago en línea para cumplir con las expectativas de sus clientes. Le ayudará a realizar transacciones más rápido, ofrecer comodidad y ayuda aumentar sus ventas.
Discutámoslo en detalle y encontremos algunas de las mejores soluciones de pago en línea.
¿Qué quiere decir con soluciones de pago en línea?
Online payment means paying for products or services online, i.e., through electronic modes. And a payment solution is a service or software that enables online payment. It receives buyer payment requests via a web page, authenticates payment details and transactions, and transfers the funds to the online merchant’s account.
Las soluciones de pago en línea más famosas son PayPal, Stripe, Amazon Pay, etc.
For instance, you visit an online store like Amazon to buy some products you have in your cart for so long. You will be asked to confirm your address when you proceed to buy. Next, you will be directed to a page where you need to choose a payment method like credit or debit card, Amazon Pay, internet banking, etc., to pay from your computer or smartphone. This is how online payments happen.
Although it may look simple, something is going on behind the scenes, making your payments successful, and you can place an order or shop online. Here comes the role of payment processing companies.
¿Qué son los pagos? processing companies?
Pago processing companies or payment processors are the intermediaries between a business and its customers to process payments and enable a smooth and secure online purchase.
Pago processors validate the transactions and transfer funds from the buyer’s account, whatever electronic payment mode they choose. They connect merchants to virtual terminals that can accept online payments. They manage the complete online transaction process through all the nodes – customers, online merchants, banks/financial institutions, and card networks.
como pago processing solutions work?
When a payment processing solution receives a request from a buyer via a merchant’s website, it starts authenticating the buyer’s payment details. And when everything looks great, and the buyer has sufficient funds in the account, it authenticates the transaction. Finally, transfiere fondos de la cuenta del comprador a la cuenta del comerciante y completa el pago en línea.
Entendamos cómo interactúan todos los nodos.
Pago processnecesidades de ing:
- Una cuenta mercantil para permitir la transferencia de fondos.
- A web page including a payment button to initiate transacciones
- Una cuenta en la solución de pago.
Por lo tanto, cuando los visitantes visitan su sitio web, pueden elegir productos y servicios haciendo clic en el botón "comprar ahora". Los dirigirá a la página de pagos que ya está conectada a una solución de pago.
When they proceed to pay online and choose their mode, they will be asked for details or redirected to the payment provider’s site. The service provider will take on the request and authenticate the payment details. It happens securely through datos cifrados para que nadie pueda ver la cuenta del comprador o la información personal.
When the buyer’s credentials are verified, the service provider initiates a fund transfer. When the transfer is successful, both the buyer and the merchant will be notified, and the required funds will be deducted from the buyer’s account to go to the merchant’s. This notification will help update the status of the transaction. But if the transaction fails due to insufficient funds or invalid buyer credentials, the same reflects.
¿Por qué lo necesita su empresa?
Si tiene un negocio en línea, configurar una solución de pago en línea puede ser gratificante. Esta era digital ha hecho que la moneda virtual sea valiosa y conveniente para todos, desde individuos hasta empresas. Puede ofrecer muchas ventajas sobre el cobro de pagos en efectivo, como:
Conveniencia
Los pagos en línea hacen que sea conveniente para los compradores realizar pagos con unos pocos clics para solicitar productos y servicios, registrarse en un seminario web, hacer donaciones, etc.
Suppose if someone wants to donate without an online payment solution in place. They will have to rush to their bank and withdraw the amount if they don’t have enough cash at hand (which people don’t keep much these days). It kills their time that no one wants.
But with only online payments, they can do it quickly within the comfort of their homes without any hassles. It saves not only their time but also effort. Besides, it’s beneficial for businesses as they can close sales quickly.
Transacción más rápida process
When you understand the transaction process, you may think of it as a lengthy process that touches a lot of nodes. However, the whole process takes only a few seconds to complete the entire payment process. It’s way faster than traditional payments involving cash. It doesn’t require you to stand in the queue and fill out your forms or wait for days for the check to be approved.
Pagos Internacionales
People can sideline you due to payment mode constraints even if your products or services are outstanding. So, if you operate globally, mantener una solución de pago en línea para atender a sus clientes en todo el mundo es aún más importante. Los hace felices al ofrecerles un método de pago rápido y conveniente y también les ayuda a retenerlos.
So, if you want to avail all these benefits, check out some of the best online payment processing solutions for your business.
Choose a simplified payment process for your business – Autorizar.net que puede ayudarlo a obtener sus pagos a través de tarjetas de crédito, cheques electrónicos y pagos sin contacto. También puede ofrecer a sus clientes muchos otros tipos de pagos, como puntos de venta, pagos móviles, pagos telefónicos, eCommerce, herramientas de facturación y lectores de tarjetas móviles.
Authorize.net protege los datos de los clientes de los estafadores y le permite personalizarlos con herramientas y filtros basados en reglas para proteger su modelo de negocio. También tiene una solución de pago fácil de usar que le permite aceptar pagos en cualquier lugar y en cualquier momento.
Its Customer Information Manager saves your customers’ payment details so that when they come back, there is no need to re-enter the details again. You can accept monthly installments and recurring payments quickly, and it constantly updates the card information to lost sales and payment interruption.
In addition, send a digital invoice after completing the payment in their mail and add the “donate” or “buy now” button to your website to inform your customer where to pay.
Authorize.net does not charge you any setup fees. You will only pay monthly gateway fees of $25 and per-transaction fees of 2.9% of the invoice amount plus 30 cents.
Squareup
Un innovador sistema de pago, Squareup, permite a las empresas cobrar pagos en persona, en línea, de forma remota y manually pagos mecanografiados. Es rápido, sencillo y eficaz tanto para el cliente como para el comerciante.
Payment choices from Squareup include credit and debit cards, Apple Pay, and Google Pay. Additionally, proporciona servicios de resolución de disputas, protección contra fraudes y seguimiento de pagos.
Debido a la platform’s quick adaptation, security, and speedier transactions—all of which are validated, processed, and finished in a matter of seconds—millions of users trust it.
Es fácil de usar platform makes connecting with consumers, sending invoices, keeping track of expenses, and other tasks simple.
To give business owners a picture of their finances, Squareup also provides extra reporting and analytics tools. Additionally, su personal de atención al cliente puede ayudarle con cualquier consulta o inquietud.
Squareup is a desirable alternative for businesses just beginning to accept payments because of its transparent pricing structure and easy setup.
pago.com
Grow and enhance your sales with Checkout.com's pago processing solutions. It provides reliable and faster payments along with direct acquiring in major markets. It supports local payment methods, 150+ currencies, and 20+ settlement currencies.
Puede disfrutar de potentes integraciones y administrar sus pagos con los pagos API and tools. The tool will help you grow de tu revContinúe optimizando cada pago y creando productos innovadores rápidamente utilizando información instantánea y datos procesables.
Ofrezca a su cliente la experiencia de tecnología de punta y manténgase a la vanguardia en su negocio en línea. Utilizando el conocimiento local, puede adaptar su solución para satisfacer diferentes mercados y aumentar el rendimiento de sus ventas. Checkout.com ofrece múltiples opciones de pago, que incluyen APM, billeteras digitales, tarjetas locales, etc.
Optimiza tu growth with more granular, actionable, and accessible data. Its user-friendly and easy-to-use dashboard helps you assess every opportunity and go beyond user expectations with a wide range of payment interfaces, frictionless payments, and defensas contra el fraude.
From PCI to SCA, Checkout.com has got you covered. It provides every single detail to check the cost of every transaction. They will charge you according to your business profile, from transparent card association fees to interchange fees.
GoCardless
Cobrar pagos únicos y recurrentes directamente de las cuentas bancarias de los clientes con el GoCardless pago en línea processing solution. Small businesses can have benefits like improving cash flow, reducing costs, reducing failed payments, and allowing you to keep track of your payments.
Ayuda a las empresasrises reduce churn, operational costs, international barriers, time to get paid, and conversion risks. You can also collect membership and subscription payments by Direct Debit across the world. GoCardless also eliminates the time-consuming gestión de facturas process and tracks them easily.
GoCardless proporciona una API RESTful que permite una integración simple a su negocio y requiere menos inversión de recursos. Su inteligencia de pago recurrente también administra y predice fallas de pago. También puede incrustar un flujo de pago personalizable en su sitio web optimizado para mejorar la conversión en más de 30 países.
Envíe enlaces de pago seguros a sus clientes para recibir fácilmente pagos directamente en su cuenta comercial. GoCardless tiene la certificación ISO27001 y cumple con el RGPD. Viene con cumplimiento incorporado y muchas empresas confían en él. También obtendrá ejemplos de código en varios lenguajes de programación, incluyendo Python, Java, .NET, JavaScript, Ruby, and PHP, to create a subscription plan for you.
WePay
WePay provides robust APIs for online platforms powered by JPMorgan Chase. It offers integrated payments for POS systems, Online Marketplaces, and SMB SaaS systems. You can integrate it easily and quickly with open-source code samples and SDKs.
No matter what business model you have, WePay has a solution for you. Merchants with a Chase account can quickly receive same-day payouts at zero additional costs. It also supports pre-certified devices for card-present solutions.
WePay administra el cumplimiento, los pagos y el riesgo para que pueda crear la mejor experiencia de usuario, incluidas las comunicaciones con los clientes, los informes y onboarding. También se le informará a través de la API de WePay. El software utiliza varios métodos de pago y cajas optimizadas para seguridad, escalabilidad y eficiencia.
Stripe
Stripe le proporciona una sólida infraestructura de pago para su sitio web. Puede usar sus API y software para enviar pagos, administrar sus negocios en línea y aceptar pagos. Ya sea que sea una startup o una gran industria, Stripe le ofrece la misma calidad y servicio a empresas de todos los tamaños.
Stripe is an entirely integrated suite that will help you build apps and websites to send payouts and accept payments globally. Le ofrece muchos productos para potenciar sus pagos para su negocio de suscripción, minoristas en línea, minoristas en persona, mercados, and software platformas.
Furthermore, Stripe can help you send invoices, get financing, issue physical and virtual cards, manage business spending, and beat fraud. You will find server and client libraries from PHP and React to iOS and .NET. It operates on every level of the financial stack.
Stripe guarantees 99.99%+ uptime and maintains its redundancy and scalability. It releases many improvements and features every year to always be on the top of your game. You can also leverage Stripe’s intelligent optimizations to gain knowledge on increasing revEnue, fraude, revrecuperación final y más.
No hay tarifas mensuales, ocultas o de configuración durante las suscripciones. Acceda a la solución de pago completa con un sencillo plan de pago por uso de 2.9% + 30 centavos por transacción exitosa.
Braintree
Llega a más compradores y potencia tu revenue con Braintree's pago platform that provides Venmo, PayPal, debit cards, and credit cards along with other popular digital wallets like Google Pay and Apple Pay in a seamless and single integration.
Se beneficiará de la innovación, la experiencia y las soluciones escalables de Braintree. Utilice las profundas relaciones de Braintree con las instituciones financieras y su amplio conocimiento para impulsar una mayor conversión. Le ayudará a expandir su mercado a través de la tecnología de próxima generación y la red de PayPal.
automate backend processes and manage internal costs without losing revenue. También puedes prevent fraudulent transactions by detecting them while approving orders. In addition, they will provide a payment gateway, merchant account, datos escryption through Braintree Vault, essential fraud tools, data migration assistance, reporting, recurring billing, third-party integrations, advanced fraud tools, and more.
Pague según el servicio de pago que esté utilizando. Por ejemplo, si usa tarjetas y billeteras digitales, el precio será el 2.59% del monto de la factura más $ 0.49 por transacción.
BlueSnap
Reduzca costos y aumente las ventas con BlueSnap, all-in-one payment platform. It understands how your payments can impact your online business and offers solutions to increase authorization rates, decrease checkout abandonment, avoid cross-border fees, and reduce technical debt.
Get a single account to receive all the facilities you want. The entire solution is modular so that you can use the functionality as per your necessity. Accept payments differently with BlueSnap, including POS payments, mobile checkout, online checkout, subscriptions, Terminal virtual, pagos de facturas, mercados, pagos integrados y automatización AR.
Integrarate it easily with software, such as ERP systems, Sistemas de CRM, shopping carts, and other business platforms, to work faster and better. With Chargebacks911 and Kount, protect your business from fraudsters and use built-in solutions for tax and regulatory compliance.
Get real-time data to take action quickly, access the payment solution anytime from anywhere, and receive accurate reports to enhance visibility and simplify reconciliation.
There are no setup fees, additional fees, or cancellation fees. Allow BlueSnap to design a pricing model according to your business needs.
You will get customized pricing solutions, including global processing with one account, interchange-plus pricing, flat-rate pricing, level 2 and 3 data processing rates, noprofit pago processing rates, and accounts receivable automation.
PayPal
Una de las estaciones de pago más utilizadas en todo el mundo es sin duda PayPal cual caters to businesses of any size, scale, and industry. It offers multiple tools to run your business and enhance your growth while providing your customers to pay as they wish from anywhere in the world.
PayPal’s extensive suite of features includes smart technologies for your daily needs. You can create a shareable link for payment or add a full-featured checkout to your website. Expand new channels by selling on social media, offering subscriptions, or charging for services.
También tiene una capa adicional de seguridad donde puede cancelar un pago de paypal si ha cometido un error y el destinatario aún no ha confirmado el pago.
Como usted grow, PayPal’s comprehensive commerce platherramienta de forma grows with you. Use the PayPal App to browse the complete solutions that fit your business needs. Use solutions such as accepting payments, making payments, generating invoices, managing risk, accelerating growth, and streamlining operations for your online business to grow más rápido.
Adyen
Adyen provides every solution, from accepting payments online on any device or channel to adding payment methods to increase conversion rates. You can use almost all payment methods that your customers trust. It lets you optimize payments at each engagement point and enhance authorization rates.
El panel de control de Adyen reúne pruebas, informes y rendimiento en una sola interfaz. Está diseñado para adaptarse a su velocidad de entrega, recursos de desarrollo y necesidad de personalización.
Protect from fraudsters with rule-based and AI-based risk ecosystems. Additionally, brinde a sus compradores una experiencia rápida y de calidad como esperan, cree experiencias de pago únicas y aumente las conversiones recompensando a los compradores leales.
Customize payment flows, advertising, tipping, receipts, languages, and layouts. Make it easy to apply rewards, discount coupons, and one-click payments, and allow your customers a simple sign-up process so they will return for more.
Además, evite que su base de datos se gane la confianza de sus compradores y reduzca los problemas de conciliación y contabilidad con opciones de pago flexibles y fáciles de usar para los nuevos proveedores.
Adyen offers drop-in, components, and API-only ways to integrate payment solutions into your website. Besides, drop-in is the easiest and quickest way to add payment methods. You can also add components per payment and combine them with your form logic. The best part is you can build your UI for payment methods to have complete control.
Adyen only charges processing fees and transaction fees as per the payment method. There are no setup fees, and you can have multiple bank accounts.
How to select a good payment processing solution?
Every business has different needs in terms of size, audience base, budget, and other factors. But a few things remain common; you must get a secure, easy, and flexible solution. So, always choose a payment processing solution based on your unique needs and long-term goals. Consider some factors before you choose a payment service provider:
- Check how easy and quick the sign-up process es para ti.
- Inquire about the success rate of the service provider. It will help you provide an easy payment process for your customers to boost their satisfaction and brand loyalty. Look for different payment options, easy checkouts, and smooth transaction flow with speed.
- Infórmese sobre las tarifas de transacción y compárelas con otros proveedores para elegir la mejor en función de su presupuesto.
- Pregúnteles qué tan segura es su solución de pago y sus reglas de cumplimiento para proteger las cuentas y los datos de los compradores.
Conclusión: ¿Cuál es el futuro del pago? 💰
The need for online payment solutions is rapidly expanding across the globe due to the increasing number of online shopping. And the latest trends show that it’s likely to increase in the future.
So, if you are an online business, make sure you incorporate the best payment processing solution in your business to provide an improved, faster, and more secure transaction process.
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