Top 10 VoIP Providers For Small Business In 2019

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Zoho Sites Website Builder Review: Pros, Cons, and Alternatives

Zoho Website Builder

Zoho is a software company that has a suite of products designed to help business owners get their businesses up and running online. Their website builder, Zoho Sites, is an all-inclusive website builder, which means it includes everything you need to create your site (from the builder itself to the hosting).

See Zoho’s Current Plans & Pricing

Recently, I gave Zoho’s website builder a try for a full Zoho Sites Website Builder review. But before I get into the pros and cons of my 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 Zoho Sites?

On the wide spectrum of website building solutions, Zoho Sites 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.

Using Zoho 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 Zoho, but that may or may not be what you’re looking for.

As far as competition, Zoho Sites competes with all-inclusive website builders like GoDaddy, Wix, Squarespace, Jimdo, Yahoo!, Strikingly, and WordPress.com.

Compared to their direct competition, they focus on ease of use and integration with their plethora of Zoho products. Zoho offers several website templates you can customize with no coding or design experience required, and also gives you the opportunity to integrate with their marketing and optimization tools.

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 Zoho Sites Website Builder

Here’s what I found to be the pros of using the Zoho Sites website builder — not just in comparison to direct competitors like GoDaddy and Wix, but as an overall website solution.

Easy Sign Up Process, Onboarding, + Free Trial

One of the biggest pros of using Zoho Sites is how easy it is to get up and running on the platform. It’s a few basic steps of entering your information, picking a theme, and then you’re in.

Zoho also makes it incredibly easy once you’re inside the platform. Their onboarding process (AKA the information they give you to get you up and running and actually using the software) is very straightforward.

They walk you through a step-by-step tutorial of how to customize your website as soon as you choose a theme.

The entire process makes it easy to get your website up and customized in a matter of minutes, even if you have no online experience.

Zoho also offers a 15-day free trial when you sign up, and they don’t require a credit card to use it. Most software providers offer a “test run” of their products, but it comes with caveats. You either have to choose a plan upfront and enter your card info to be automatically charged when the trail is over, or have limitations on your features, or both. 

Zoho allows you to truly test out their platform for 15 days before you make a decision — no strings attached.*

*Note – so technically, you’d have to sign up for some of their product integrations if you want to implement them in the free plan. I still consider it no strings attached, because you get all of the basic functionality / inclusions in the free trial.

Template Design / Functionality

When I’m looking at all inclusive website builders, I want to be sure I look at both the templates’ design and functionality to get an accurate picture of what the builder can do.

Zoho also offers a wide selection of template designs that are responsive (AKA they look good on a mobile device, tablet, and computer). They have a lot of variable designs that you can use as the foundation of your website.

Once you choose a template, you can customize it to your brand. Zoho is what’s known as a “drag and drop” editor, where you can “drag” premade sections and “drop” them on your page. It makes customizing your site simple, straightforward, and fast.

With Zoho, can customize the styles on the page (like fonts and colors), as well as the individual sections, and you can add new elements to a section layout. However, you can’t create a new section from scratch using the drag and drop editor.

You can, however, customize your template using the CSS and HTML editor, which is a big benefit if you have coding experience but want to use a template as a starting point.

All in all, Zoho’s Website Builder has a great balance of convenience and control in terms of template design, which is a big plus for an all-inclusive website builder.

Some Product Integration

Another thing that makes Zoho’s Website Builder unique is their product integrations. Zoho has their own CRM, Marketing, and Analytics products, and these integrations are easily accessible in the site builder.

Zoho-Integration-CRM

One thing to note — these additional integrations / functionality are all part of paid plans (more on that in a bit).

This isn’t necessarily a con, but it is something to pay attention to… especially because you can find a lot of this functionality for less with other website builders (particularly if you went the self-hosted WordPress route).

Cons

Of course, no review would be complete without looking at the downsides. Every piece of software will have complaints. Let’s look at the specific cons I found with using Zoho Sites as your website builder.

Pricing + Plans

While Zoho is fairly easy and convenient for DIYers and business owners, they do leave a lot to be desired when it comes to pricing. All of their plans come with some sort of limitation, whether it be pages, storage, or even the number of forms you can have on a site.

zoho pricing and limits

It’s also worth noting that Zoho doesn’t offer a free plan. There’s a free trial, which lasts for 15 days, but if you want to continue on with their service, you have to choose from one of the paid plans.

Again, this isn’t necessarily a “con”, but if you’re looking for a website builder for a short-term project, you can probably find a builder with similar features who offers a standard free plan (ie, Wix or Weebly).

Limited Feature Set – Technical

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, Zoho does include some product integration that’s built-in (like their CRM) or can be added on (like their MarketingHub). But when it comes to outside integrations, Zoho is fairly limited.

For example, let’s take a look at their apps:

There isn’t much to built-in from an integration perspective outside of what Zoho offers in their product suite, and even then, there’s not a ton of clarity around what these features actually are or do.

Now, you could add your own integrations through code snippets. However, if you want something that you can easily “plug in” to your site and have it just work without you messing with code, then Zoho leaves a lot to be desired.

Zoho Review Conclusion

Zoho makes getting your website up and running simple and fast, and they also offer substantial customization options for more experienced website builders through their HTML and CSS editing.

See Zoho’s current pricing plans here.

However, like most all-inclusive website builders, there does come a point where there’s a tradeoff between convenience and control, especially when you factor in price. Zoho’s pricing leaves something to be desired, especially when you get into the higher priced plans and take into account the technical limitations, even with the higher priced options. If you’re looking for something that offers more control and scalability, you’re better off elsewhere.

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

The post Zoho Sites Website Builder Review: Pros, Cons, and Alternatives appeared first on ShivarWeb.

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Most Popular Micropolitan Areas (Small Cities) for Startups According to the US Census

Most Popular Micropolitan Areas (Small Cities) for Startups According to the US Census

ShivarWeb has a lot of DIYers and freelancers not living in the biggest, richest cities of the world. In fact, I originally started this business in Athens, Georgia, USA – not in larger Atlanta. As a fun post, I thought I’d dig into some data for my non-metro area readers.

The benefits of big metro areas for new businesses are well-known, but so are the costs in money, time, and health. In the era of remote work, you can get a lot of the benefits of the city anywhere with an Internet connection, except one – being physically around other new business-owners.

With that in mind, I decided to look at the Census Bureau’s data on cities to see if there were any places in America that hit a sweet spot between being small & self-contained and being a popular place to start a new business.

Micropolitan areas are populated areas that have too much population to qualify as a rural area, and too few commuting ties to a larger city to qualify as part of a larger metropolitan area. They are between 10,000 to 50,000 people and quite a distance from a large city.

In other words – micropolitan areas are true small cities.

There are 536 micropolitan areas in America with a core city of between 10,000 and 50,000 people plus the population of the surrounding area.

Here are the Top 20 Most Popular Micropolitan Areas for New Small Businesses in America based on US Census data from 2015-2016 (most recently available). You can view the full list of 536 areas here.

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20. Breckenridge, CO Micro Area

Breckenridge CO
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New Businesses: 239

Breckenridge, Colorado is a hub for every outdoor sport that you can imagine. The Rocky Mountain scenery is incredible. It has world-class skiing, hiking, fishing, and kayaking. The area has a population of 31,007.

According to Crunchbase, you’ll find startups like –

  • Vaway, a vacation rental marketplace
  • Tomorrow Holding, a fiber reactor technology firm
  • Area 101, a professional food service firm

19. Tupelo, MS Micro Area

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New Businesses: 247

Tupelo, Mississippi is the hub of North Mississippi with an area population of 140,552. It’s the smallest city in America with two banks with more than $10 billion in assets.

Unlike many small towns, it has a thriving downtown with a strong balance of businesses and an independent spirit. You’ll also find growing startups such as –

  • Central Services Association, an IT firm focusing on utility management
  • Malco Theaters, a family-owned cinema firm

18. Summit Park, UT Micro Area

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New Businesses: 247

Summit Park has an area population of 41,933 and is known as the “richest small town in America.” Nestled in the Uinta mountain range, many of the homes are vacation homes, but it is also a hub for consultants and wealthy remote workers.

17. Sevierville, TN Micro Area

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New Businesses: 247

The Sevierville, Tennessee area has a population of 97,892 and is a mountain vacation hub on the East Coast. It’s surrounded by the Great Smoky Mountains with world-class hiking, fishing, and kayaking.

In addition to tourism-based startups, Sevierville is home to stratups such as –

  • Carp Data Service, a data analysis firm
  • Comfort Flow, an orthopedic dog bed firm

16. Jackson, WY-ID Micro Area

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New Businesses: 251

The Jackson, Wyoming area has a population of 34,721 and has played an outsized role in America’s history. It’s surrounded by two of America’s most iconic National Parks with the Rocky Mountains forming a bowl around the city.

The small city is a mini-hub for a range of startups like –

  • DMOS Collective, a provider of collapsible stealth and alpha shovels
  • Odyssey Sensors, an ag-tech company
  • Video Science, a video chat service for the healthcare industry

15. Brainerd, MN Micro Area

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New Businesses: 251

The Brainerd, Minnesota area has a population of 94,408 and a deep history with railroads, logging, mining – and now, tourism. It has a wealth of lakes and deep forests in addition to a classic downtown.

Brainerd is home to startups such as –

  • Elite Motorcycle Parts, a maker of premium motorcycle parts
  • MaxBotix, a designer & manufacturer of ultrasonic sensors

14. Branson, MO Micro Area

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New Businesses: 263

The Branson, Missouri area has a population of 87,601. It is the home of Mark Twain, and the setting of many of his stories.

The startup community is focused on tourism and food.

13. Augusta-Waterville, ME Micro Area

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New Businesses: 269

The Augusta, Maine area has a population of 122,083, and is also the capital of Maine. The city lies on the Kennebec River, and is also host to the University of Maine.

The startup community includes companies like –

  • Kenway, a manufacturer of custom composite products for mining
  • Southport Boats, a maker of high performance boats

12. Truckee-Grass Valley, CA Micro Area

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New Businesses: 274

The Truckee, California area has a population of 99,696, and is a popular home for small companies moving out of the Bay area into the beautiful Sierra Mountains.

The town lies on both I-80 and the first (and main) transcontinental railroad. The startup community includes companies like –

  • bigtruck Brand, a specialist in the design, marketing, and manufacturing of hats
  • Clear Capital, a valuation company for the mortgage industry
  • 1bios, a health tracking & engagement platform for healthcare companies

11. Twin Falls, ID Micro Area

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New Businesses: 279

Twin Falls, Idaho has an area population of 110,096. The main city has grown so fast, that the Census Bureau reclassified the area as a metropolitan area in 2019.

The startup community includes companies like –

  • Plant Therapy, a direct-to-consumer supplier of essential oils
  • BestNotes, a HIPAA compliant CRM and EHR system
  • KickBack Rewards, a data entry & CRM company

10. Concord, NH Micro Area

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New Businesses: 301

The Concord, New Hampshire area has a population of 151,232, and has strong links to the Boston startup scene. It’s the capital of New Hampshire and lies on the Merrimack River.

The startup community includes companies like –

  • Bradford Networks, a maker of automated security products for enterprise & governments
  • Nanocomp, a commercial producer of carbon nanotube-based lightweight sheets, tapes, and wires
  • CoolSim, an advanced CFD-based tool available for optimizing energy consumption in data centers

9. Hilo, HI Micro Area

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New Businesses: 318

The Hilo area has a population of 200,383, and is the main city of the “big island” of Hawaii. The city lies at the base of Mauna Lea and Mauna Loa – two of the most famous volcanoes in the world.

The city has large scientific, agricultural, and tourist industries – all of which influence the startup community. Companies in Hilo include –

  • Mauna Loa Macadamias, the world’s largest processor of macadamia seeds
  • DroneFlow, a fully automated aerial inspection technology
  • Shaka Tea – a line of refreshing herbal iced teas

8. Edwards, CO Micro Area

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New Businesses: 322

The Edwards, Colorado area has a population of 54,993, and lies in the heart of the Rocky Mountains in Central Colorado.

The area is a favorite of skiers and outdoor fans. The startup community is spread out & remote, but includes companies like –

  • HomeTrax, online tools for homeowners, service providers, and organizations
  • TripHero, a solution to the multi-layered problem of traveling with luggage and equipment

7. Glenwood Springs, CO Micro Area

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New Businesses: 342

The Glenwood Springs area has a population of 77,732, and is the “sister” micropolitan area to Edwards, Colorado. The city is nestled in the Roaring Fork Valley on the Colorado River. It has been named “the Most Vibrant Small Town for Arts” and the “5th Best Small Town” in America by different publications.

The startup community is very small and focused on arts & agriculture, but also includes some tech startups like Helpp, a connecting service for providers & consumers.

6. Kalispell, MT Micro Area

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New Businesses: 353

The Kalispell area has a population of 102,106, and lies nestled near both Glacier National Park (the “Crown of the Continent”) and the Canadian border.

The startup community includes companies like –

  • Roomie, a provider of better furniture options for college students
  • Counter Assault, a manufacturer of bear spray and personal protection spray
  • Expesicor, a drug discovery firm for neurological disorders

5. Torrington, CT Micro Area

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New Businesses: 382

The Torrington area has a population of 181,111, and lies within day trip distance of both New York City and Boston.

The business community includes companies like –

  • Trlby Innovative, a maker of custom impulse heat sealing equipment
  • Altek Electronics, an electronic manufacturing company providing chassis and control panels

4. Traverse City, MI Micro Area

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New Businesses: 385

The Traverse City area has a population of 149,914, and lies at the far north of Michigan’s “mitten” along Lake Michigan. The city is a top agricultural producer of cherries and other fruits. It’s regularly named as one of the best small town travel destinations and one of the best small towns to retire to.

The business community includes companies such as –

  • ATLAS Space Operations, a satellite communications service
  • DriveShare, an online marketplace for classic cars

3. Key West, FL Micro Area

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New Businesses: 387

The Key West area has a population of 75,027, and is the sourthernmost city in the continental United States. It is a hub for tourism, festivals, and tropical living.

The business community centers around consultants, travel, and tourism companies.

2. Claremont-Lebanon, NH-VT Micro Area

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New Businesses: 437

The Lebanon area has a population of 217,215, and lies in the Connecticut River Valley. It is home to the Dartmouth Medical School and Dartmouth Medical Center. It also has strong transport links to the Boston area, which influences its business community.

The Lebanon area is home to businesses such as –

  • Appcast, a job advertising platform
  • Adima, an antibody discovery and optimization platform
  • Avitide, a purification solutions firm for biopharmaceutical companies

1. Bozeman, MT Micro Area

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New Businesses: 536

The Bozeman area has a population of 111,876, and lies at the gateway to Yellowstone National Park along with the largest ski resorts & outdoor opportunities in the United States. The town regularly appears as the “Best Small Town in America” lists. With all the entrepreneurs & economic growth moving to Bozeman – I’m not surprised to see it top this list as well.

Bozeman is home to businesses such as –

  • Schedulicity, an online appointment scheduling platform for discovering and booking local services
  • Quiq, a customer service messaging platform
  • Absaroka Energy Company, a provider of clean renewable energy

Takeaways

I can’t criticize big cities. After all, I ended up moving to Atlanta after starting in Athens, GA. Big cities are great.

But…big cities aren’t the best option for some businesses. And the certainly aren’t the best option for many individuals. I loved this Planet Money episode explaining why.

Remote work and online tools make anywhere a good place to work. But you still need to be able to make “anywhere” work for you – and that includes being around other businesses & startups.

There are plenty of startups & small businesses in nearly every city. And as you can see from the list above, there are some small cities that have more than plenty.

Find your place, find your people, and build your business.

You can view the full list of 536 areas here.

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Modernize Your Business With A Good Restaurant Ordering System

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How To Accept Donations Online

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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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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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The Complete Guide To Stripe Pricing And Costs

Are you curious about what makes Stripe different than other third-party processors like Square and PayPal? And if the costs are comparable? Come along as we explore Stripe — a lesser-known payment processing option that has definite potential when it comes to eCommerce.

Even though Stripe has less name recognition than competitors Square and PayPal, Stripe has likely processed many of your recent online shopping transactions without you even realizing it. That’s because Stripe powers payment processing behind the scenes for some of the biggest retail chains around — places like Target, Lyft, Facebook, Adidas, and Under Armour. Yes, Stripe has one of the most respected and well-trusted platforms in the world, but instead of providing branded, customer-facing tools like its peers, it focuses on delivering developer-friendly solutions with extensive code libraries and lots of customization options.

If you are looking for a ready-made, polished solution for eCommerce payment processing, Stripe may not be the ideal choice. A solution like Square may be much better suited to your needs. If, however, you want to build your payment processing platform from the ground up (and have the technical resources to do so), you’ll find a range of robust, world-class developer tools.

In this post, we’ll talk about what kind of payment processing Stripe provides (and why it matters), and then dive into costs associated with transactions and/or other handy tools you may need.

Overview Of Stripe

Stripe is a third-party payment processor — just like PayPal and Square. Traditional merchant account providers vet and approve each individual merchant, creating a single account for that business. Third-party processors, on the other hand, make it much easier for a business to quickly access payment processing services because they combine many business accounts together into one giant account. Stripe’s processing model relies on maintaining account volume to reduce risk for the group as a whole; for that reason, it can become a bit of a numbers game for them to remain profitable. If something looks fishy, they are more likely to terminate, freeze, or put an account hold on a business without a lot of warning.

Now, most of us feel a bit squirmy when we imagine our hard-earned revenue potentially held ransom in a purgatory account, but the truth is, freezes and holds happen only to a tiny percentage of businesses — and typically only after certain red flags have been raised. If you want to learn more about how to avoid waving some of these red flags, check out our post: How to Avoid Merchant Account Holds, Freezes, and Terminations. The majority of business owners will not have to worry about a freeze or hold, so it’s important to keep that whole issue in perspective.

Now back to the good news. Stripe has a lot of features and benefits for a growing small business, such as:

  • Transparent pricing
  • No monthly or termination fee
  • Payment security using advanced machine learning  
  • Libraries in every language
  • Display multiple currencies (add 1% for automatic conversion)
  • Versioned API changes
  • Test-friendly environment
  • 24/7 live chat and phone support
  • iOS and Android dashboard apps

And when it comes to creating the finished solution, you don’t have to do it all. There is a workaround for those of us who may not have all of the coding skills (or time!) to build it all from the ground up. Stripe has established platform partners to integrate a range of small business tools from accounting, automation, form building, CRM, inventory management, and booking — just to scratch the surface.

One thing we like about Stripe is that, unlike some companies, Stripe offers support for safe and PCI compliant migration of credit card data whether you are coming or going. Some third-party processors don’t support exit migration at all, so this is a nice touch.

Now that you are a bit more familiar with this platform, let’s check out the costs associated with processing payments.

Stripe Payment Processing Costs

Most savvy business owners want to cut to the chase. “Great, so how much does it cost?”

Stripe’s payment processing costs are straightforward, but your per-transaction costs will largely depend on the type of transaction you’re processing. Discounts and some pricing differences apply, so stick with me as we go through some different scenarios.

Online Transactions

For any eCommerce transaction (including in-app and mobile web payments), you are going to pay 2.9% + $0.30 per successful card charge. It doesn’t matter whether you process Visa, MasterCard, American Express, JCB, etc. — all cards cost the same to process. You also pay the same price whether you build your own site or connect to a third-party shopping cart.

Another great thing about Stripe is that you can accept international cards (for an additional 1%). If you need to convert the currency, however, you’ll have to pay another 1% on top of that. This is great for businesses that sell internationally, especially combined with Stripe’s ability to present prices in the customer’s local currency. 

Stripe also allows merchants to accept more than just credit cards, providing the tools that allow you to manage ACH and other payment options. Here is what it’s going to cost you:

  • ACH Credit: Starting at $1.00 per ACH credit payment
  • ACH Direct Debit: 0.8% per transaction, capped at $5
  • Wire: $8.00 per wire payment

Stripe also allows you to verify your customers’ bank accounts at no extra charge. That’s a nice touch. However, if payment doesn’t go through, you are looking at $4 for failed ACH direct deposit payments and $15 for disputed ACH direct debit payments.

In-Person Transactions

 

Stripe POS

Want the same customization for your pop-up shop or brick-and-mortar store that Stripe brings to your online presence? Introducing the Stripe Terminal!

For in-person payment processing with the Square terminal, you’ll pay 2.7% + $0.05 for each successful card transaction. But before you get too excited, Stripe Terminal’s programmable point of sale is currently in beta and available upon invitation only. You can request approval now, and if you are approved, you can buy a developer kit to run in test mode until they begin supporting transactions in live mode (this is expected to roll out very soon).

When it comes time to choose your reader, you can integrate with the Stripe Terminal through a combination of an iOS SDK and mobile reader or a JavaScript SDK and countertop reader. Stripe suggests the latter if you’re looking for a fully branded experience and have a strong developer proficiency.

Payment Security Note: As far as payment security and PCI-DSS compliance go, the Stripe Terminal is EMV Levels 1,2, and 3 pre-certified. So it can help a wide range of businesses get started without having to dedicate extra resources to payment security. But for now, you’ll have to wait to process live payments until it graduates from beta testing.

Does Stripe Offer Alternative Pricing?

QuickBooks For Nonprofits

We do get a lot of comments about the fact that Stripe (and other third-party processors) can be expensive for some businesses. Fortunately, Stripe does offer volume-based discounts for large businesses. In addition, you may be able to qualify for custom pricing if you run a nonprofit or have a unique business model. Stripe doesn’t give any hard and fast details about alternative pricing, however, so you’ll have to contact the sales team and discuss your business model with them directly.

Does your business process very small transactions ($10 or less) on a regular basis? The $0.30 per-transaction fee might be prohibitively expensive, and an alternate payment model catering to these microtransactions can save you money. Here’s what Stripe says about support for microtransaction payment processing:

Microtransaction support varies from market to market. If you process more than $100,000 per month or have a unique business model such as marketplaces, microtransactions, or unusually large order values, reach out to us, and we can discuss availability and options. In markets where microtransactions aren’t available, a common approach is to batch together multiple transactions from the same customer and submit them as a single, larger charge.

Stripe Pricing For Other Tools

Stipe offers a healthy selection of additional tools and add-ons. Below, we break them down for you and include information about pricing to help you make an informed decision.

Billing

Stripe Billing offers recurring payments and subscription tools built around the customer experience. For the recurring business model, you will have a lot of tools to help you engage customers and reduce turnover (more on that below). And as far as billing your customers with one-off invoices or setting them up for automatic recurring payments, there are no limits on how many invoices you can send, ever.

To be clear, all Stripe Billing fees are charged in addition to the processing fee (2.9% + $0.30 per successful charge).

If you’re only expecting to process a small volume of recurring payments, or you’re new to Stripe, the Starter Plan has everything you need. Your cost for using the Billing tools is 0% for the first $1 million of recurring charges, and then 0.4% after that. Stripe doesn’t charge anything extra for one-off invoices. 

For businesses that are billing at large volumes and want advanced features to manage billing from order cash, Stripe offers the Scale plan. You will pay 0.7% on recurring charges, in addition to the payment fees of 2.9% + 30 cents per successful charge to a card. However, Stripe also offers discounted ACH to businesses on the Scale plan, so there are potential cost savings.

Here is a screenshot from Stripe’s comparison of their Starter and Scale packages:

Stripe

The above is a long list of out-of-the-box tools you can put to use pretty quickly. Even just the business analytics, reporting, recovery tools, and webhooks make a compelling case of high value to cost ratio. Stripe touts that its recovery tools have “reduced payment declines for users by 45% on average and increased revenue by 10% on average.”

All-in-all, any SaaS or subscription-based business could benefit from the features in Stripe Billing — and Stripe offers a free trial with no setup or fixed monthly fees, so there doesn’t seem to be a downside to trying it out.

Connect

Connect is “the payments platform for platforms.” If you are a marketplace or a platform, you can utilize Stripe Connect to accept money and pay third parties. Connect is API-first, meaning you have the freedom to design a unique experience including onboarding, set payout timing, and integrated financial reporting, to name a few.

Connect has three account options including Standard, Express, and Custom. The cost for Connect Standard is included with Stripe — you have no additional platform-specific fees to add payments to your platform. Additionally, you’ll get a full Stripe Dashboard, dynamic risk-based KYC/AML checks, international support in over 25 countries, and hosted onboarding and verification.

Custom and Express Connect costs $2 per active account per month + 0.25% of account volume. With these accounts you can do things like build branded onboarding flows, control payout timing and funds flow, automate 1099 tax form generation and delivery, and have a platform management dashboard. The difference between Express and Custom is revealed in the names themselves. Express is a faster option requiring low integration effort to onboard recipients quickly and at scale (e.g., an on-demand marketplace), while Custom is an option for platforms to completely customize the user experience.

International connected accounts will run an extra 0.25% cross-border charge on monthly account volume. Additional fees also apply if you utilize Connect tools such as account debits (1.5%) and payouts ($0.25 per payout). However, as with Stripe’s other pricing models, the company is always up for discussing volume pricing for large platforms and alternative pricing options for low volume accounts. And if you’re a startup affiliated with Stripe Atlas Network, you can contact Stripe to learn about their custom startup package.

Stripe Connect

Sigma

Sigma connects you to your business data with a wide range of applications from business operations to finance, data analysis, and product management. Sigma doesn’t require any setup or ETLs; all you need to do is write SQL queries to create the custom reports on your dashboard. Pricing for Sigma is based on how many charges, authorizations, and application fees your business processed in the previous month. Fees start at $0.02/charge for 1-500 charges and incrementally decrease with charge volume.  

Radar For Teams

While all of Stripe’s payment processing software is fully PCI compliant and therefore meets global payment security standards, Radar is available as well. Radar bolsters your defenses through advanced machine learning. Radar learns from “hundreds of billions of data points across the Stripe network to help millions of businesses fight fraud.”

Radar is included with your standard and custom pricing plans. However, Radar for Fraud Teams is also available for an additional cost of $0.02/per transaction. Radar utilizes data and tools that support the detection and blocking of fraud, and it can decrease the false positives that block legitimate customers, too. Stripe has done a very good job at creating layers of security and data insights into their product — and you don’t need to dig into the code to make use of it because it all happens at your dashboard!

Is Stripe A Good Fit For You?

It’s pretty clear that Stripe goes far beyond your run-of-the-mill payment processing solution. The real meat of Stripe is its rich developer tools that give you the power to customize everything about the payment experience while giving you deep insights and analytical data you can use right away.

Businesses that want a fully branded, ready-to-scale solution — as well as subscription-based businesses, marketplaces, and tech-focused companies — will likely find all the tools they need and then some. However, for the eCommerce business that simply needs a reliable and secure payment processor, Stripe may be overkill. If you don’t have the technical expertise or don’t have developers on staff, you may never tap into Stripe’s potential. An option like Square may be a better fit. Square offers fast setup, no recurring fees, and up-front pricing that suits most small businesses nicely. Additionally, Square provides an extensive dashboard that reveals basic business and financial analytics with no integration required.

Not sure what you need? Check out our Stripe vs Square comparison or read our Stripe Review for an in-depth analysis. Or if you want to explore your options even further, check out How to Choose an eCommerce Merchant Account.

The post The Complete Guide To Stripe Pricing And Costs appeared first on Merchant Maverick.

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How To Set Up A Free Square Account

Thinking about using Square to process payments for your business? Whether you are a solopreneur or a busy boss running multiple locations, you can quickly set up an account with Square with little to no fuss. Square offers several time-saving benefits for the small business owner looking to start processing payments, including no credit checks, a free magstripe reader to get you started, and a free Square POS app which enables you to start taking credit card payments right away. Not only that, but the Square dashboard offers analytics reporting, inventory management, alerts, and (with optional add-on software) even the ability to plan email marketing campaigns!

With all of these conveniences and freebies, you can expect slightly higher transaction fees than you’d get with a traditional merchant account. However, as a third-party processor, Square offers a very transparent pricing plan that starts at 2.75% per swipe dip or tap, and 3.5% + 15 cents for keyed-in transactions. You won’t be surprised with hidden fees or contracts, and you can enjoy the same processing rate for all major credit cards. Square also offers payment dispute assistance, chargeback protection, and secure, PCI compliant software — all included.

If your interest in Square is piqued, but you need a little more information before getting started, then you’ve landed on the right post! Below, we’ll take you step-by-step through the process of signing up for a new Square account. As you will see, setting up your Square account is relatively straightforward. And the best part? It’s completely free and requires no commitment on your part whatsoever.

What Do You Need To Get Started?

Before we get started, here is the main information you’ll need to set up your Square account:

  • Email address
  • Last four digits of your Social Security number (to confirm your name)
  • Home address
  • Shipping address
  • Legal name
  • Phone number
  • Bank account number to set up your direct deposit schedule

You don’t need:

  • Bank statements
  • Proof of revenue
  • Your full social security number
  • Tax documents
  • A credit check

We are going to get pretty detailed in this tutorial, but rest assured, the application itself takes less than ten minutes. Follow along with the guide below to discover how to set up and make the most of your new Square account!

How To Create A Free Square Account

First, visit Square’s sign-up page and hit the “Sign Up With Square” button.

Sign up with Square

 

The first step asks for your email address and prompts you to create a password and choose your country. You also must agree to Square’s terms, privacy policy and e-sign consent policy. We strongly suggest that as with any contract, you take the time to click on, read, and understand the details before agreeing to them.

 

Square set up account

 

The next screen is straightforward and asks if you are an individual or represent a larger business, charity, or religious organization. Enter in your business name or another title that you would like to appear on your receipts. I’m typing in “Blue Heron Content” as my business name.

Create an individual square account for business

 

Now we are getting closer to the meat — Square wants to know where you plan on processing payments. In this example, I don’t want to limit myself, so I am choosing all of the possibilities!

 

Square processes payments mobile online and square invoices

It’s important to mention that even if you don’t plan to use some of these options right away, you can still access them later at any time.

Next, Square asks what else they can help you manage. I am also going to select all of the options again to get a better idea of what Square may suggest right off the bat. I don’t personally need employee tracking for my business, but let’s see what it can do!

Now it’s time to make decisions. Because I selected that I was interested in restaurant-related products, I am offered a free 30-day trial of Square for Restaurants, one of Square’s premium iPad POS apps. (Check out our full review of Square for Restaurants for a more detailed look at pricing and features.) If you are a restaurant owner, check out some of the perks Square lists below. For this particular tutorial, though, we are going to stick with the free POS system.

Square Point of Sale and Square for Restaurants

 

Now that I have selected Square Point of Sale as my preferred POS app, I’ve made it to the “Let’s talk about you” page. This is the place to plug in the rest of your information. Note that Square is not going to perform a credit check on you or your business, they just need the last four digits of your social security number or ITIN, your legal name, street address, and phone number. They use this information to verify your identity.

I’ve finished filling in this form, so I am going to hit “continue” and see what’s next on our journey.

 

Square setup form

 

Choose A Magstripe Reader

Great news! By the time you arrive at the next screen below (3-5 seconds, give or take), Square will have successfully verified your identity. Now it’s time to select a credit card reader to accept in-person payments. For my part, while the Contactless + Chip Reader looks very enticing at $49, I am going to accept the free reader for now.

Square Reader

 

Now there’s another choice to make. Square would like to know if I would like the 3.5mm magstripe reader that is compatible with the traditional headphone jack, or the Lightning connector version for iOS devices. I’m choosing the reader that plugs into a conventional audio jack. You’ll obviously choose the option that works best for your business setup.

Compatibility Note: Square’s magstripe and chip card readers and the Square Point of Sale (POS app) are compatible with most Apple iOS and Android devices running the latest software updates. After this tutorial, check out our Square POS Review for more about system requirements, integrations, and a lot more details about Square POS.

Free Square Reader

After selecting the type of magstripe reader that fits your needs, Square will give you the options to find a retailer close to you and pick up the reader or have it mailed. Personally, I’m opting for Square to send me the reader in the mail. After entering my shipping details, I am one step closer to getting my own Square reader. Oh, and shipping is free, too! Just note that it could take up to 10 days for yours to arrive. 

Order A Square Reader

After entering my information and clicking continue, the setup process is officially complete! That was very easy. Square has already sent me an email letting me know when to expect my reader and another to confirm my email address.

It’s time to head to the new dashboard to set up the backend. 

How To Set Up Your Square Dashboard

Right away, you can see that the dashboard has a clean layout and is pretty straightforward. Since this is the first time I am visiting this new dashboard, Square is offering up these green bubbles as a setup guide. Let’s explore the dashboard and start setting up inventory, customizing the layout, and checking out the reporting features.

Square Dashboard setup

 

Compatibility Note: You’ll be able to access the full Square dashboard from any web browser, but the Square Dashboard app is only compatible with iPhones at this time. You can still take payments on any compatible iOS and Android device with the Square POS app, however.

Add Items & Build Your Inventory

From your home screen, you will see the teal Items button (pictured in the screenshot above). The place to add inventory is under Items>Item Library. To the right on the screenshot below, note the blue button that says “Create an Item”:

Adding an Item in Square Inventory

Here is what the “Create an Item” screen looks like in the Square Dashboard before adding a product:

Create an Item Screen in Square Dashboard

I went ahead and uploaded a product image and filled out my first item below. I can add the amount of stock I have, a price, and set up low-stock alerts for myself here, too! Square will even let me color-code items if I prefer to group categories by colors. 

It’s also possible to create variant items if you sell the same product in different colors and/or sizes. Plus, for cafes and restaurants, there’s a “modifier” option. Say, for example, that you want to offer coconut, soy, and almond milk alternatives for customers in your coffee shop. You can do that, and even set an upcharge fee for these items using the modifier feature. There’s also an option to specify at which locations an item is available if you have more than one shop. 

Add an Item in Square Inventory

Create & Manage Locations

You can create multiple locations from within your Square Dashboard by going to “Accounts and Settings” and then to “Business” and selecting “Locations.” Square will even let you specify a mix of physical locations with a set address and mobile locations without one.

Square’s location management features can help you manage inventory and gather data from multiple stores — and it is totally free:

  • Linked locations and deposit options
  • Per-location item libraries
  • Device management for security
  • Reporting tools to compare/contrast sales or other data

Square also offers advanced tracking and reporting tools for individual employees across your locations. More on those features and cost in the Employee Management section.

Manage Sales Tax Settings

You will find Square’s sales tax settings nestled under the Items menu in your dashboard.

When you create a tax at your Square Dashboard, the tax will automatically sync to every device in your account, and you can specify which taxes apply to which locations. You can even build the tax into the price of the item if you prefer, rather than adding the tax to the price afterward. Square also lets you modify tax settings from within the mobile POS app as well, which is useful when you need to make changes on the fly.

In addition to multiple tax rates, you can create conditional tax rules, which are preset conditions in which a tax won’t be applied — whether you need that to apply to one item or the entire order. This is especially helpful for restaurants that handle online orders.

Now, let’s head back to the home screen and customize our dashboard layout, and then check out the reporting features!

Customize Your Dashboard Layout

Customizing the layout of your Square Dashboard is super easy. First, you can get rid of anything you know you won’t need right off the bat by scrolling through and unchecking anything in the drop-down menu (pictured on the right-hand side of the screenshot below). Don’t worry about making the wrong decision, because you can reset the whole thing or click to re-check one box.

Square Dashboard Customize

The other way to easily adjust your view is by dragging and dropping the tiles to configure them exactly how you want them. For my store, I switched tiles to move the feedback tile up from the last row. This drag-and-drop feature makes it easy to get the information you prioritize first, and then scroll to other options whenever needed.

Moving Square Tiles in Dashboard

As you can see, it’s simple to move things around, and if you change your mind, just as easy to change it back.

Review Square’s Reporting Features

The extensive, user-friendly and (mostly) free reporting features are what make Square a fantastic, no-fuss choice for any small business. As you can see in the screenshot below, there is a long list of possible reports. Every business has unique needs, and Square does a good job of supporting a wide range of small businesses with various options and features.

Square reports

All of the sales reports, such as Sales Summary, Sales Trends, Items Sales, and Modifier Sales, are free. Custom Reports is another handy and entirely free reporting tool that can help you combine and compare your reporting data. Custom Reports allows you to aggregate reports with multiple filtering options. This feature makes it easy work to create a report that breaks the data down for a single location, or you can pick and choose certain pieces of data and compare them across different locations. For instance, you could create one report that compares Gross Sales and Returns for a particular device and/or location. 

To find out even more about what Square’s dashboard can offer you in terms of reporting features, check out our post Why We Like Square’s Online Dashboard and Analytics App.

If you are looking for even more robust reporting and tracking across multiple locations for your employees, it may be worth it to you to learn more about the Employee Management tools, featured below.

Manage Your Employees 

Within the Dashboard, you’ll find the Employee section, which is the foundation for Square’s Employee Management feature set. Adding a new employee into your dashboard is easy — and adding in separate email logins for Square POS is entirely free. However, if you want advanced reporting on timekeeping, individual employee sales, and sales vs. labor costs, you need to subscribe to Employee Management, which will cost you $5 per employee. 

Square Employee Reporting Tool

Here, I have chosen to select the free “Mobile Staff” option to show you that you can invite employees using the email address that they will then use to log into the Square app. You can also enable or disable permissions for accepting payments in Offline Mode and set or remove Issue Refunds permissions.

It’s important to note that employees assigned to mobile staff can only access their own sales data in the Square POS app. 

Square Employee Permissions Mobile Staff Free

If you want something a bit more substantial in terms of employee reporting, Square offers that, too.  To track individual employee sales through the day, keep better performance accountability across multiple locations, and closely monitor administrative permissions, the $5/mo per employee cost for the advanced Employee Management feature seems like a pretty fair deal. You also get timekeeping, so your employees can clock into their shifts through the Square POS app. 

If you want to get started with Employee Management, there are a few ways to do it: Head to Employee Sales or Labor vs. Sales under Reports and start adding employees. It’s free to try for 30 days!

Employee Management Sales Reporting

 

How To Set Up Square Deposits & Funding

When it’s time to get all of that revenue into your bank account, Square has several options for getting your money, all found under Deposits.

Square Instant Deposit and Deposit Schedule Tutorial

Square will automatically deposit your funds on the next business day. You can also change your ‘close of day’ to adjust for your time zone or business hours if you would like. The close of day determines when Square cuts off payment deposits for the next business day. If you need your money even faster, Square offers Instant Deposits that transfer your current Sales Balance immediately — whether it’s a business day or a weekend. This faster service will cost you 1% of the transfer amount. You can even use Scheduled Deposits to get your money deposited at each day’s close of business. 

Find out all the details about the instant deposit feature, and more about how Square’s deposit options work in general, by checking out our post, How Does Square’s Instant Deposit Work?

To set up your deposit schedule or choose an instant transfer, you’ll need to link your debit card (in addition to your bank account). However, you have yet another option for disbursement. You can request your very own Square Card, a personalized business debit card that holds your Square balance.

Square Card Small Business

You can use your card anywhere MasterCard is accepted. If you’d like to order one, you’ll find “Square Card” tucked right under the Deposits tab. To be clear, you can request a Square Card and also choose to have funds deposited into your bank account.

Explore More Square Software Options

Square offers a myriad of specialized software options to make business more productive. Here are some of your options:

  • Customer Engagement: Square’s customer engagement tools include a customer database, feedback management, and CRM software. The database and feedback tools are free, but the CRM starts at $15 month. The image above is a sample CRM campaign I could send to my lapsed customer list. Email campaigns are easy to customize and segment for those reachable-by-email customers.
  • Loyalty Program: This tool starts at $25/month. Read our Square Loyalty Program Review for an in-depth analysis.
  • Advanced Employee Management: As outlined in a previous section, pay $5/month per employee for advanced reporting and employee management tools.
  • Payroll: Square Employee and Contractor payroll starts at $29/month plus $5/employee. Contractor-Only Payroll is just $5/month per contractor.
  • eCommerce: Square offers free space and setup for an online store, and you can integrate with major shopping carts. Read our Square Online Store and eCommerce Review.
  • Invoicing: Invoices are always free to send, pay 2.9% + 30 cents per invoice when your customer pays with credit or debit online. For more on the pros and cons, pricing, and an in-depth look at invoicing with Square, check out our Square Invoices Review.

Choose Another Square Point of Sale App

While the free Square POS app will likely fit the bill for many small businesses, Square has developed more specialized tools for retail, restaurants, and appointment-based businesses.

Square For Retail:

This POS system works with an iPad and has a redesigned interface and usability geared for retail businesses that have substantial inventory. Instead of scrolling to an item in your inventory, an item is easily searchable by name. The barcode scanning and printing features make keeping up with inventory a bit easier, too. Check out our Square Retail Review for more on price, pros and cons, and all a lot more details.

Square for Restaurants:

If you are familiar with Square’s POS system, you may be surprised to see how different Square for Restaurants really is. And it has to be. Sit-down restaurants usually require more specialized tools to cover their everyday business needs, and this POS delivers — from table mapping, menu creation, table management, and reporting tools — there are a lot of specialized features here. Check out our full Square for Restaurants review to find out if this is the right choice for your restaurant.

Square Appointments:

If your business relies on creating and maintaining appointments for just yourself or an entire team, Square Appointments might be just what you need. Note that this POS option is an iOS exclusive. It’s free for individual users, and pricing starts at $50 a month beyond that. Check out our in-depth Square Appointments Review, including functionality, customization, and features.

Choose Hardware Options

Square has expanded to offer so much more than the free magstripe credit card reader. As I mentioned earlier, Square offers a Contactless + Chip reader that lets you accept chip card and contactless payments for $49, which is a smart move to improve payment security.  

If you need something more robust in terms of hardware, however, you can probably find what you need. Square offers countertop POS systems with customer-friendly displays, and if you want to toe the line between countertop vs. mobile, Square also offers a fully portable credit card terminal with a built-in receipt printer.

Square’s countertop POS devices include:

  • Square Stand: This hardware option is a tablet stand with a built-in card reader (along with contactless and chip reader) with an affordable price tag, minimal cords, and a swivel stand.
  • Square Terminal: A more portable option, Square Terminal accepts magstripe, chip card, and contactless transactions. It’s sleek design, built-in receipt printer, and generous display size make it a nice, versatile option.
  • Square Register: Need something more robust? The Square Register offers a 13.25-inch display to run your Square Point of Sale, and on the opposite side, you have a 7-inch customer display ready for magstripe, chip card, and contactless transactions.

For an in-depth look at each of the POS options or to take a gander at all the Square POS kits and bundles, head over to A Guide To Square Credit Card Readers And POS Bundles.

Where To Go Next With Square?

When you consider that Square is a secure, PCI compliant option with a transparent pricing plan and offers lots of bells and whistles, it truly is an excellent solution for any small business. I like that it’s so easy to set up an account with Square, and that they don’t ask for much in terms of personal information. When it is time to get set up or find reports, the dashboard is intuitive and easy to navigate. I also love that Square offers affordable hardware and software when it comes time to scale the business.

Not quite ready to make a decision? Check out our Square Review or head over to Square and set up your own account to see for yourself.

Already have an account? Square support provides great resources to help answer your questions as you navigate your options.

Have questions, comments? Leave us your thoughts below! (Just make sure you check our comment guidelines, first!)

The post How To Set Up A Free Square Account appeared first on Merchant Maverick.

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Are HubSpot’s Inbound Marketing Services Right For You?

If you are a marketing guru with loads of experience in the trade, you probably know all about inbound and outbound marketing. And the world absolutely needs people like you. But if you are like the rest of us, just trying to get your product noticed and understood by the teeming masses, these terms are just more industry jargon gibberish.

Fortunately, Merchant Maverick is here to provide definitions and cut through the jargon. Basically, an inbound marketing methodology requires you to market yourself in such a way that customers naturally find their way to you, rather than employing more aggressive marketing efforts and strategies (like cold calls).

What Is Hubspot?

Apps like HubSpot are designed to be the backbone of your inbound system. Visit the HubSpot website and you will see multiple references to the company’s commitment to inbound marketing. Specifically, HubSpot offers three separate products that each address a distinct aspect of a business’s inbound marketing strategy. The first is HubSpot’s “free-forever” customer relations management (CRM) system; the second is HubSpot Marketing. Finally, HubSpot offers a Sales tool. But what exactly do these products offer subscribers? And are HubSpot’s inbound marketing services right for you? Join us as we dive into the deep end of inbound marketing. We’ll cover HubSpot pricing, support, and more.

HubSpot CRM Tool

As mentioned above, HubSpot’s CRM tool is free forever. Now, I have been writing and reviewing tech products for a while now, and I have come to expect a few things when I see the “free forever” label. Usually, that just means there is a free version of a software, but with most useful features removed. HubSpot’s CRM is not like that. There are no other subscription tiers, no other fees. HubSpot CRM is 100% free.

But what does it do?

Basically, this tool is designed to help you manage your interactions with customers. When adding a new contact into your database (that can hold up to 1,000,000 people), the CRM begins cataloging every interaction. As you communicate with prospective customers, you retain access to your entire history with them. No more losing emails in the depths of your inbox. All the details are saved and easy to access. In addition to the microscopic view of each contact, the CRM also provides you a broad perspective on what HubSpot calls your “sales funnel.” Using the dashboard, you can quickly identify which customers are locked in on the road to closing a deal and which ones might need more assistance. You can use this tool to automate those communications as well, ensuring no customer falls through the cracks.

So do you need HubSpot’s CRM? Basically, if you are attempting to sell any sort of customizable product where different customers will receive individually tailored products, then you definitely want some kind of CRM service. And HubSpot’s is free. Not only that, but it works, and works well. So yes, you probably want to at least try it out.

But what about HubSpot’s other products? Let’s take a look.

HubSpot Inbound Marketing

You may have a way to manage your relationships with all your customers, but how do you get those customers in the first place? The obvious answer is that you need to market yourself somehow. Fortunately, HubSpot also offers an inbound marketing service that works seamlessly with their CRM product. You can use the free-forever version of this product, but really you will want to start at the $200/month “Starter” level, which includes such crucial features as Calls To Action pages for your website and email marketing. HubSpot pricing for larger subscriptions (which run into the $2,400/month range) includes marketing automation, A/B testing, and custom event triggers.

This is where HubSpot’s “inbound marketing” philosophy really starts to show through: Most of the marketing that you will do with this product involves creating content that draws prospective customers to you. Inbound methodology could entail content marketing, like writing blogs, or optimizing your website to bring in customers rather than investing in outbound marketing through social media sites Facebook, Google, or other advertising platforms. It is organic lead generation, in other words. Keep in mind that you will need a website already in order for this to work. If you’re using a hosting service like Squarespace or Wix, you will need to add a few lines of code (provided by HubSpot) to the source in order to integrate with HubSpot. If you use WordPress, on the other hand, you can simply install the HubSpot plug-in. So far so good.

But what do you actually get from there?

Like I mentioned above, the idea of HubSpot’s marketing service is to attract customers organically to your own content by optimizing your website. HubSpot provides blog and email templates designed to look great across devices, then allow you to insert the all-important ‘Call to Action’ boxes that encourage people to enter their information to your email list and start that customer relationship. The more money you spend per month, the more automated this process becomes.

So do you need inbound marketing services through HubSpot? In my opinion, yes. This service is worth at least the $200/month subscription. From there you will have to decide how much you want to spend on increased automation.

HubSpot Sales

So now you have a way to attract potential customers and manage your relationship with them. But really the whole point is to convert those leads and prospects into sales. Once again, HubSpot offers a product to fill that gap. HubSpot Sales Hub is all about communicating with customers, lead nurturing, and centralizing the process of negotiation so that you can focus on the warmest leads without sacrificing the others. The free version of this product is relatively viable, including meetings, calls, task tracking, and more. However, by paying for the $50/month subscription, you also gain features like live chat, prospects, and dedicated customer support. For a whopping $400/month, you can automate your sales process, as well as unlock HubSpot’s excellent Salesforce integration.

Like all of HubSpot’s products, the Sales Hub is built with centralization in mind. All your leads are kept in the same place, organized to keep them from getting mixed up or lost. The focus in sales, though, is on communication with clients. All subscribers gain access to HubSpot’s calls feature, which simplifies the process of scheduling phone meetings with customers. You also get access to powerful email marketing tools, allowing you to track which customers read your messages or downloaded your attachments.

So do you need it? I think the free version of the software is definitely worth a try. If you find you like your experience with the free version, you might consider paying a higher price for some more advanced features.

HubSpot Service Hub

Offered at $400/month, HubSpot’s Service Hub is the final square in the grand customer management quilt that HubSpot has created. As with all their other products, the key to understanding the Service Hub is organization. The goal is that you will be able to keep all your customer interactions organized and arranged so that no one gets left out.

The Service Hub comes with several communication tools, including a live chat and enhanced email inbox to ensure your customers never feel ignored. Additionally, you can create a “knowledge base” of self-service articles to allow your more independent customers a chance to figure out their problems on their own. There is even a feature allowing you to create chatbots to increase the efficiency of your customer service interactions. Finally, use comprehensive data insights to make sure you are getting optimal interactions every time.

So do you need the sales hub? Really, it will only be useful if you have a lot of customers every month. Of all the HubSpot products I have reviewed in this post, this is the one I would recommend skipping out on, at least at first. Having said that, if your products require extensive customer service, this might be a great option for you.

Why Go Hubspot?

HubSpot provides products that cover every facet of customer interaction, from marketing to sales to leads to customer service. Supporting all other products is the Hubspot CRM, which serves as the bedrock product that makes the others work smoothly.

But do you need HubSpot? Frankly, I think you do. If you are trying to market or sell a product on the internet today, you will want to use these kinds of products in some way, even if you use low-level or free subscriptions for some of them. The only possible exception would be the customer service hub, depending on the level of service required by your product.

Fortunately, most of HubSpot’s products have a free-forever option, so you can try before you buy. I recommend signing up and putting the different apps through their paces before committing to paying a monthly subscription.

The post Are HubSpot’s Inbound Marketing Services Right For You? appeared first on Merchant Maverick.

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