Haddii aad leedahay kombuyuutar ama taleefan casriga ah, markaa fursadaha ayaa ah inaad ku jirtay labada dhinac ee wax kala iibsiga dhijitaalka ah. Khatarta ah inaad isticmaasho e-wallet sida PayPal sidoo kale waxay u badan tahay. 

PayPal waxay ku faantaa saldhigga isticmaale ee 295 milyan oo qof oo adduunka oo dhan ah. Kaliya qeybtii hore ee sanadka 2019, waxa ay farsameysay ku dhawaad ​​lix bilyan oo macaamil ganacsi. Aad baa loo yaqaan sababtoo ah waa madal ku habboon macaamiisha.

Hadda, ka waran haddii aad rabto inaad noqoto milkiile ganacsi yar - ma ku dheggan tahay PayPal sababtoo ah waa hoggaamiye? Mise waa inaad u gudubtaa Stripe oo ay xafiiltamaan ? 

Stripe vs. PayPal: Doorashada waxa ugu Wanaagsan Ganacsigaaga^{(Stripe vs. PayPal: Choosing The Best For Your Business)}

Kahor intaadan go'aansan inaad iska diiwaan geliso PayPal-^{(PayPal –)} ama u wareejin Stripe- aynu dib u eegno qaar ka mid ah faraqa u dhexeeya labada. 

Khidmadaha wax kala iibsiga^{(Transaction Fees)}

In kasta oo khidmadda wax kala iibsiga (2.9% + 0.30 senti halkii macaamil ganacsi) ay la mid tahay labada goobood, PayPal waxay si qoto dheer uga socotaa burburkeeda. 

Tusaale ahaan, waxaad u eegi kartaa khidmadaha:

• US iyo macaamil ganacsi caalami ah
• Lacag-bixinno yar-yar iyo lacag-bixinno waaweyn
• Faa'iido ama lacag-bixinno aan faa'iido doon ahayn
• Macaamilada waxaa lagu farsameeyaa terminalka casriga ah

Waxa kale oo aad qiimayn kartaa kharashyada:

• Biilasha soo noqnoqda
• Bedelka lacagta
• Lacag celinta
• Dib u celinta
• Lacag bixinta Amex
• Dhaqdhaqaaqa akhriyaha kaadhka mobaylka
• iyo wixi la mida

Iyada oo ku saleysan tan, qaar ayaa dhihi doona PayPal ayaa ku guuleysata sababtoo ah daahfurnaanta. Hase yeeshee, kuwa kale waxay ku heshiin doonaan Stripe inay qaab dhismeedka khidmadda la fududeeyo, taas oo macnaheedu yahay kharash lama filaan ah ma jiro. 

Noocyada Lacag-bixinta la Aqbalay^{(Types of Payments Accepted)}

Haddii aad ka ganacsanayso onlayn, waxaad u baahan tahay goob aqbasha inta ugu badan ee lacag bixinta ah. PayPal , tan waxaa ku jira:

• PayPal (dabcan)
• Kaararka deynta
• Kaararka deynta
• Lacagta PayPal
• Taleefan ku bixi

Si kastaba ha ahaatee, ma aha dhammaan noocyada lacag-bixinta qof walba heli karo. Tusaale ahaan, wax kala beddelashada ^(Pay)taleefoonka^(Phone) waxa la heli karaa oo keliya haddii aad leedahay qorshaha ^(Pro)Payment^(Pay) Pro . 

Stripe , dhanka kale, waxay aqbashaa noocyada lacag bixinta sida kaararka deynta iyo debit, Apple Pay, Google Pay , iyo qaar kaloo badan.

Wadamada iyo lacagaha la aqbalay^{(Countries and Currencies Accepted)}

Hadda, haddii aad tahay ganacsi qorsheynaya inuu u baxo caalami, markaa waxaad u baahan tahay taageerada saxda ah. Aan aragno midka ugu fiican. 

Marka hore^(First) waa Paypal , oo aqbala lacagaha in ka badan 200 oo waddan^{(over 200 countries)} . Stripe dhanka kale waxay aqbashaa 25 wadan oo kaliya. Si kastaba ha ahaatee, PayPal kaliya waxay ku shaqeysaa wax kala iibsiga 25 lacag, marka la barbar dhigo Stripe's 135+. 

Middaan waxaan ugu yeeri karnaa barbaro, iyadoo ku xiran sida aad u eegto (iyo waxa muhiimka u ah ganacsigaaga). 

Ikhtiyaarada biilasha horumarsan^{(Advanced Billing Options)}

Sidee ayaad u qorsheyneysaa inaad ka shaqeyso lacagaha macaamiishaada? Waxaad ogaan doontaa in labaduba ay wataan doorashooyin biilal sare oo heersare ah, sida:

• qaansheegta
• ^{(Marketplace)}Xalalka suuqa ( Stripe Connect )
• Isdiiwaangelinta

Mar haddii Stripe uu diiradda saarayo ganacsiga e-commerce, ma jiro wax ikhtiyaar ah oo loogu talagalay akhristayaasha chip-ka mobilada ama la-qabsiga nidaamyada POS . 

Isku-dhafka Qalabka Kale^{(Integrations with Other Tools)}

Stripe iyo PayPal labaduba waxay la yimaadaan is-dhexgal ganacsi e-ganacsi iyo qalab maaliyadeed oo kala duwan. Si kastaba ha noqotee, Stripe waxay qaadataa keega, maadaama ay leedahay xulashooyin badan oo badan oo la heli karo. 

Halkan fiiri qaar ka mid ah waxyaabaha aad ku dhex dari karto madal:

• Maareynta Xiriirka Macmiilka^{(Customer Relationship Management)} ( CRM )
• Taageerada macaamiisha
• Iimayl suuqgeyneed
• Dhaqaale ururin
• Maamulka alaabada
• Lacagaha soo noqnoqda
• Qaab dhismeed
• Suuqgeynta gudbinta
• Iyo qaar kaloo badan

Haddaba Sideed U Dhigtaa Xargaha?^{(So How Do You Set Up Stripe?)}

Waxa ugu fiican ee ku saabsan aaladaha lacag bixinta ee khadka tooska ah waa inaad ku tijaabin kartaa bilaash. Markaa haddii aad ku faraxsan tahay inaad siiso Stripe orod tijaabo ah, markaa waad soo kici kartaa oo waad socon kartaa wakhti la'aan. 

• Ku qor cinwaanka emailkaaga, magacaaga oo buuxa, iyo furaha sirta ah ee xooggan (ugu yaraan hal fur, nambar, iyo xarfo aan xaraf lahayn).

• Xaqiiji ciwaanka iimaylka akoonkaaga ( calaamee sanduuqaaga boostada).
• Mar haddii aadan ahayn horumariye, dooro Xulashada Xalka Hore loo Dhisay^{(Prebuilt Solutions)} . 

• Boggaan, waxaad awood u yeelan doontaa inaad midayso aaladaha aad isticmaalayso, sida Squarespace ama Xero . Haddii kale^(Otherwise) , dhagsii hadda ka bood^(Skip) .

• Hadda waxaad ku jirtaa dashboardkaaga, halkaas oo aad ku arki karto dhammaan wax kala iibsigaaga maalinta, toddobaadka, bisha, rubuc, ama sanadka. 

• Si aad u bilowdo aqbasha lacagaha Stripe , waxaad u baahan doontaa inaad samaysato akoonkaaga bangiga. Lacaguhu kuma fariistaan ​​akoonkaaga sida PayPal . Si kastaba ha ahaatee, waa inaad sugtaa toddobo ama maalmo, iyadoo ku xiran nooca ganacsiga aad leedahay. Hadba sida uu khatar u yahay ganacsigaagu, waa ay dheeraysaa muddada sugitaanka. 
• Xagga sare ee dashboardkaaga, waxaad arki doontaa Activate your Stripe account. Guji kan si aad hoos ugu dhigto liiska oo dooro Start.

• Marka xigta, waxaad u baahan doontaa inaad geliso dhammaan faahfaahinta ganacsigaaga. Dhammaadka, geli faahfaahintaada bangiga oo deji laba-tallaabo xaqiijin (lagu taliyay amniga). 

Isticmaalka Koontadaada Stripe^{(Using Your Stripe Account)}

Mar alla markii la wada dejiyo, waxaad hubin kartaa dhammaan astaamaha waaweyn ee Stripe ay bixiso. Tusaale ahaan, waxaad eegi kartaa Lacag^(Payments) -bixintaada oo waxaad u kala saari kartaa aragtidaada iyadoo lagu salaynayo kuwa guulaystay, la soo celiyay, ama aan la qaban. 

Waxa kale oo aad eegi kartaa khilaafyadaada aad qabto ee u baahan jawaabtaada. Waxaa dheer, waxaad ku shaandheyn kartaa iyaga oo ku saleysan kuwa aad guuleysatay ama laga badiyay. 

Hoosta qaybta hadhaaga^(Balance) , waxaad arki kartaa inta lacag ee jidka ku jirta bangigaaga, iyo inta lagu hayo. Lacagaha la hayo waxay u baahan doonaan in lagu xalliyo arrinta xisaabtaada bangiga. 

Hoosta qaybta Hadhaaga^(Balance) , waxaad ka heli doontaa Lacag^(Payouts) -bixinno iyo Wax-is-dhaafsi^{(Transactions)} . Lacag bixintaadu waa lacagaha lagu soo diro akoonkaaga bangiga. Wax kala iibsiga ayaa muujinaya dhammaan - kuwa la soo diray iyo kuwa la sugayo. 

Qaybta macaamiisha^(Customers) , waxaad ku dari kartaa macaamiisha si aad si fudud ugu dallici karto marka wakhtigu yimaado. 

Qaybta Warbixinadu^(Reports) waa qalab kale oo anfacaya, kaas oo kuu ogolaanaya inaad aragto dulmar ku saabsan wax kala iibsigaaga inta lagu jiro bilaha ama sanadkii tagay. 

Radar waa qaab kale oo falanqayn ah oo aad isticmaali karto si aad u aragto dulmarka akoonkaaga. Tani waxay kuu sheegi doontaa inta khilaaf ee aad heshay (lumay oo guulaysatay).

Markaa hoosta tabka biilasha^(Billing) , waxaad awoodi doontaa inaad aragto falanqayn badan oo ku saabsan ganacsigaaga. Tusaale ahaan, waxaad arki kartaa sawirkaaga:

• Kobaca dakhliga iyo macaamiisha
• Heerarka haynta iyo dhimista
• Celceliska dakhliga qofkiiba
• qaansheegyada aadka u wanaagsan

Biilka^(Billing) hoostiisa ee liiska, waxaad ka eegi kartaa alaabtaada, heerka canshuurta, kuubannada, rukunka, iyo qaansheegyada. 

Haddii aad rabto in aad aragto dalabaadkaaga oo la dhigay, waxaad riixi kartaa Dalabka^(Orders) ku jira liiska. Waxaa dheer, waxaad dib u eegi kartaa alaabtaada. 

Markaad diyaar u tahay inaad tagto dhinaca farsamada, waxaad la ciyaari kartaa qaybta Terminalka^{(Terminal )} , taas oo ah meesha aad ku dari doonto terminalka POS . 

Qaybta horumariyayaashu^(Developers) waxay kuu oggolaan doontaa inaad gasho API -ga , halkaas oo aad ku samayn karto isku-dhafka dheeraadka ah. 

Goobahaaga , waxaad ku bedeli^(Settings) kartaa faahfaahintaada ganacsiga, ku dari kartaa Stripe apps, oo dib u eegid u hogaansanaanta iyo dukumentiyada ka warbixinta. 

Strive Vs Paypal: Stripe Is a Simple & Safe Bet!

Stripe waa xafiiltanka sii kordhaya ee Paypal iyo sabab wanaagsan - waxay bixisaa wax badan. Waxay leedahay wax loogu talagalay cod-bixiyeyaasha, iyo sidoo kale milkiilayaasha ganacsiga ee raba inay wax badan ka qabtaan habaynta lacag-bixintooda. 

Way fududahay oo degdeg ah in lagu bilaabo Stripe , markaa maxaadan u dejin koontada oo arag sida ay ula barbar dhigto PayPal ?

Stripe Vs Paypal: Which is Better?

If you оwn a computer or smartphone, then the сhances are you’ve been on either side of a digіtal transaction. And the odds that you use an e-wallet like PayPal is also likely. 

PayPal boasts a user base of 295 million people worldwide. In just the first half of 2019, it processed nearly six billion transactions. It’s widely known because it’s a consumer-friendly platform.

Now, what if you want to become a small business owner — should you stick with PayPal because it’s a leader? Or should you venture over to its rival Stripe instead? 

Stripe vs. PayPal: Choosing The Best For Your Business

Before you decide to sign up for PayPal – or switch over to Stripe – let’s review some of the differences between the two. 

Transaction Fees

While the transaction fee (2.9% + 0.30 cents per transaction) is the same for the two platforms, PayPal does go more in-depth with its cost breakdown. 

For instance, you can view the fees for:

• U.S. and international transactions
• Micropayments and large payments
• Profit or non-profit payments
• Transactions processed through a virtual terminal

You can also assess the fees for:

• Recurring billing
• Currency conversions
• Refunds
• Chargebacks
• Amex payments
• Mobile card reader transactions
• and so on

Based on this, some will say PayPal wins because of transparency. Yet, others will agree Stripe keeps its fee structure simplified, which means no unexpected costs. 

Types of Payments Accepted

If you’re doing business online, you need a platform that accepts as many forms of payments as possible. For PayPal, this includes:

• PayPal (of course)
• Credit cards
• Debit cards
• PayPal Credit
• Pay by phone

However, not all payment types are available to everyone. For instance, Pay by Phone transactions are only available if you have the Payments Pro plan. 

Stripe, on the other hand, accepts payment types such as credit and debit cards, Apple Pay, Google Pay, and many more.

Countries and Currencies Accepted

Now, if you’re a business that’s planning to go global, then you need the proper support. Let’s see which offers the best. 

First up is Paypal, which accepts payments from over 200 countries. Stripe on the other hand only accepts 25 countries. However, PayPal only processes transactions in 25 currencies, compared to Stripe’s 135+. 

We can call this one a tie, depending on how you look at it (and what matters more to your business). 

Advanced Billing Options

How are you planning to process payments from your customers? You’ll find both come with exceptional advanced billing options, such as:

• Invoicing
• Marketplace solutions (Stripe Connect)
• Subscriptions

Since Stripe is more focused on e-commerce, there’s no option for mobile chip readers or integration with POS systems. 

Integrations with Other Tools

Both Stripe and PayPal come with integrations with various e-commerce and finance tools. However, Stripe takes the cake, since it has a lot more options available. 

Here’s a look at some of the things you can integrate the platform with:

• Customer Relationship Management (CRM)
• Customer support
• Email marketing
• Fundraising
• Inventory management
• Recurring payments
• Form building
• Referral marketing
• And more

So How Do You Set Up Stripe?

What’s great about online payment tools is that you can test them out for free. So if you’re excited to give Stripe a test run, then you can be up and running in no time. 

• Sign up with your email address, full name, and a strong password (at least one cap, number, and non-alphanumeric character).

• Confirm your account email address (check your inbox).
• Since you’re likely not a developer, select the Prebuilt Solutions option. 

• On this page, you’ll be able to integrate the platforms you’re using, such as Squarespace or Xero. Otherwise, click Skip for now.

• Now you’re in your dashboard, where you can see all of your transactions by the day, week, month, quarter, or year. 

• To begin accepting Stripe payments, you’ll need to set up your bank account. Funds don’t sit in your account like with PayPal. However, you will have to wait seven or so days, depending on the type of business you have. The riskier your business, the longer the waiting period. 
• At the top of your dashboard, you’ll see Activate your Stripe account. Click this to drop down the menu and select Start.

• Next, you’ll need to insert all of your business details. At the end, insert your bank details and set up two-step authentication (recommended for security). 

Using Your Stripe Account

Once you’re all set up, you can check out all of the great features Stripe has to offer. For instance, you can look at your Payments and categorize your view based on those that succeeded, were refunded, or are uncaptured. 

You can also look at your disputes you have open that need your response. Plus, you can filter them based on those you won or lost. 

Under the Balance section, you can see how much money is on the way to your bank, and how much is on hold. The funds on hold will require resolving the issue with your bank account. 

Under the Balance section, you’ll find Payouts and Transactions. Your payouts are the funds sent to your bank account. The transactions show all – those sent and pending. 

In your Customers section, you can add clients so you can easily bill them when the time arrives. 

The Reports section is another handy tool, which will allow you to see an overview of your transactions over the course of months or the past year. 

Radar is another analytics feature you can use to see your account overview. This will tell you how many disputes you received (lost and won).

Then under the Billing tab, you’ll be able to see more analytics regarding your business. For instance, you can see a snapshot of your:

• Growth in revenue and subscribers
• Retention and churn rates
• Average revenue per subscriber
• Outstanding invoices

Beneath Billing on the menu, you can look at your products, tax rates, coupons, subscriptions, and invoices. 

If you want to see your orders placed, you can click Orders in the menu. Plus, you can review your products. 

When you’re ready to get to the technical side of things, you can play around with the Terminal section, which is where you’ll integrate a terminal for POS. 

The Developers section will allow you access to the API, where you can do further integrations. 

In your Settings, you can change your business details, add Stripe apps, and review compliance and reporting documents. 

Strive Vs Paypal: Stripe Is a Simple & Safe Bet!

Stripe is a growing rival for Paypal and for good reason — it offers more. It has something for the coders, as well as the business owners who want to more integrations for their payment setup. 

It’s simple and quick to get started with Stripe, so why not set your account up and see how it compares with PayPal?

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