7+ Best Author Website Examples to Use for Inspiration

7+ Best Author Websites to Use for Inspiration

So you’re creating an author website, and you’re looking for author website design examples for inspiration and guidance. You’re also wondering which website platform is best to use for your website.

But before we dive into examples of what professional personal websites look like in the wild on a variety of website builders and hosting platforms, there is one thing to keep in mind when you’re evaluating a website: it’s not just about how the websites look. The functionality matters too.

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

Looking at an author website examples should be done in the same way. Do you want the website to have ecommerce functionality so visitors can buy books? Do you want people to be able to book you for speaking engagements? This functionality needs to be consider before you start choosing a website builder + hosting platform.

We collected the following website examples not just to show you how they look on different platforms, but how they can function, so you can be sure you create a website that fits both the look and functionality you need!

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

Best Author Website Examples

We’ve pulled these examples based on functionality, design, and usability. Again, when you’re looking to build an author website, remember that you’re not just thinking about making the site look good. You want to think about what your site actually needs to do, and find a platform that supports all of your needs.

Marie Force

Software: Self-Hosted WordPress

Hosting: Continental Broadband

Homepage has everything you need right upfront. The slideshow of images allows you to preorder the new release for popular series, see upcoming events where Marie is speaking, and access her series on Kindle Unlimited. You can also sign up for newsletter updates, read about upcoming releases, or buy her other books all from the homepage.

Marie Force homepage details

We particularly liked how Marie uses the “Reading Order” button at the top of the homepage to direct to her Books page, which shows all of her books and series and allows readers to dive deeper into each one.

Despite having a lot of books and series to display, the layout is organized, which makes it easy for visitors to find exactly what they’re looking for.

If you’re wondering how to display your work and key information for visitors in a way that’s clear and organized, this author website example is a great place to start for inspiration.

Jody Hedlund

Software: Self-Hosted WordPress

Hosting: Unified Layer

What stands out about this author website is how clear the navigation is. As soon as you get to Jody Hedlund’s homepage, your next steps are clearly laid out below her header image.

We also liked how Judy included buttons to all of her social media channels directly below her name. It’s a great way to send people to your other profiles without breaking the overall design of the page.

Another thing that stood out to us on this author website is how Judy implemented professional headshots and book cover images on her media page that journalists and bloggers can download without having to request them from her team.

If you’re looking for a good example of clear navigation and how to include additional assets for the press, this is a strong example to use for inspiration!

Mike Palombi

Software: Squarespace

Hosting: Squarespace

This author website example stands out for a few reasons. First, we really liked how Mike included his logo in the top menu bar on the site. It stands out in a way that’s creative, but unobtrusive. It doesn’t detract from the navigation, but it does add that extra “branding flair” to the site to make it look professional.

When you scroll down the homepage, you can read more about the book in detail, or watch videos on the book and interviews Mike has done.

mark palombi videos author example website

This is a great way to incorporate different media types on your website to support and supplement your books and build credibility with your visitors.

Angela Meek

Angela Meek Author website example

Software: Weebly

Hosting: Weebly

Sometimes, people get so focused on a website’s design that they lose sight of the overall goal — and that’s to give your visitors applicable information about whatever your website is focused on.

Angela’s website is a great example of a simple, straightforward author website that doesn’t have a ton of design frills, but still manages to look clean, organized, and give visitors all of the information they need on her, her books, and how to get in touch with her.

If you’re looking for a way to get your content up in a simple layout, this is a great example to use for inspiration.

Lesley M. M. Blume

lesley m.m. blume author website example

Software: Self-Hosted WordPress

Hosting: Media Temple

If you’re looking to create a more creative angle with your author website, we love this example from Lesley M. M. Blume.

Notice how Lesley intentionally uses design elements that capture the theme of her book. As soon as you get to the homepage, you get a sense of what Leslie writes about. It’s a great way to bring readers into the world of your work, and adds an element of creativity to your author website.

Tim Tigner

Tim Tigner Author Website

Software: Custom-built website

Hosting: Rackspace

This website for Tim Tigner is another strong author website example that hits all of the marks. The homepage header image captures the theme of his books, and the subtitle under his name is a great example of using strong copy to “hook” your readers in!

We particularly liked the Book Club Info page, which includes Tim’s downloadable discussion questions for book clubs who are reading his books:

Tim Tigner Book Club

If you’re looking for an overall example to use for inspiration for your author website, check this one out!

Scott A. Winkler

Scott A. Winkler author website

Software: Wix

Hosting: Wix

If you’re looking for a more straightforward approach to your author website, this example by Scott A. Winkler is a great place to start.

This author website relies more on text than the other examples we pulled, but it’s an easy way to give readers an overview into who the author is and link out to his works and where you can buy them.

Remember, your website doesn’t have to be a design masterpiece. It just needs to give your readers the information they need and help them connect further with you and your work!

Next Steps

Now that you have some inspiration in terms of the design, colors, and functionality you may want in your author website, where do you go from here?

Well, it really depends on where you are in your author website building journey!

If you’re ready to decide on a website builder, check out my guide to choosing a website builder here.

If you’re looking to go DIY with a specific template to match your design and functionality needs, check out my Build a Personal Website: Templates, Design, and Setup Guide.

Lastly, if you’re wondering how to market your author website, check out my guide to creating a local marketing strategy.

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The ‘How-To’ For One Page Business Plans

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1&1 IONOS MyWebsite Review: Pros, Cons, and Alternatives

1&1 IONOS MyWebsite Review_ Pros, Cons, and Alternatives

1&1 MyWebsite is an all-inclusive website builder from German web hosting company IONOS. Their website builder is geared toward helping small businesses get up and running online with pre-made templates that include images and text based on your niche. Their platform requires zero code or design skills, meaning even those with no website experience can create a good-looking site in minutes.

See 1&1 MyWebsite’s Current Plans & Pricing

Recently, I gave 1&1 MyWebsite a try for a full 1&1 MyWebsite review (I have previously reviewed their hosting services). But before I get into the pros and cons of this website builder 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 the 1&1 MyWebsite Website Builder?

On the wide spectrum of website building solutions, 1&1 MyWebsite 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 1&1 MyWebsite 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 1&1 MyWebsite, but that may or may not be what you’re looking for.

As far as competition, 1&1 MyWebsite competes with all-inclusive website builders like GoDaddy, Wix, Squarespace, Jimdo, Yahoo!, and WordPress.com  (and Shopify for online stores).

Compared to their direct competition, they focus on ecommerce functionality (they have three separate ecommerce plans — but more on that in a bit!). 1&1 MyWebsite offers several website templates organized by niche (i.e. fitness, consulting, business services, etc).

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 1&1 MyWebsite Builder

Here’s what I found to be the pros of using the 1&1 MyWebsite builder — not just in comparison to direct competitors like GoDaddy and Wix, but as an overall website solution.

Template Design / Customization

1&1 MyWebsite offers a wide selection of template designs that are responsive (AKA they look good on a mobile device, tablet, and computer) and are premade with images, layouts, and text that are chosen specifically for your selected niche.

Not only to the templates look good — they’re also incredibly easy to customize. The whole set up is intuitive. You can add new sections, drag and drop different elements like photos, buttons, text, etc. on custom pages, and even dive into developer mode to edit the code of the template.

custom page 1 and 1 builder
Developer-Mode-IONOS-Website-Builder

As far as all-inclusive website builders go, 1&1 MyWebsite gives users a ton of flexibility in customization. Typically, there’s a tradeoff between convenience and control (and there still is here — which we’ll get to in a bit), but again, when compared to competitors, 1&1 MyWebsite’s Builder gives DIYers more control than most!

$1 Trial + No obligation

Another benefit 1&1 MyWebsite is their $1 trial for their baseline plan, and the fact that all plans allow users to cancel at any time.

1&1 MyWebsite allows you to use their Online plan for $1 for the first month, which is great for DIYers who want to give the platform a test drive before committing for the long-term (as long as you don’t need ecommerce features!).

They also offer a “no risk, anytime cancellation”, which means you can cancel your plan at any time and aren’t locked in for the long haul. This is a big pro for those who want the advanced functionality of the ecommerce plans, but perhaps have a short-term project or don’t want to be stuck in a long-term commitment before giving the platform a test drive for a few months.

Functionality + Integrations

Another pro of 1&1 MyWebsite’s Builder is their functionality and additional product integrations, such as ecommerce, domains, email, social media widgets, and more.

Even their basic Online Plan (which is just $5/month) offers extensive app functionality, such as Yelp Reviews, Live Chat functionality, PayPal integration, OpenTable integration, MailChimp, etc.

They also make it easy to upgrade to a higher plan for advanced functionality while maintaining your current content.

Again, there’s always going to be some sort of trade-off between convenience and control, but when it comes to all-inclusive website builders, 1&1 MyWebsite gives users A LOT of control in addition to convenience.

Pricing

Another pro of 1&1 MyWebsite is that their pricing is very competitive not only compared to other all-inclusive website builders but also with buying your own hosting.

Their Starter plan starts around $5/mo (with a $1 trial for the first month) and you can cancel at any time. You are limited to one domain and 5 email accounts, but even this is more than some all-inclusive competitors offer.

There also doesn’t seem to be any caps on storage space, which is amazing given the pricing – though I do wish they’d be clearer with the feature set. In fact, this feature transparency is a bit of a con for 1&1. It’s not that they don’t have the feature / storage – it’s that so many builders do overpromise, that they need to be much clearer on what you are getting.

Even their ecommerce pricing, while more expensive than doing the same thing on your own hosting, is much cheaper than comparable plans with direct competitors.

Compared to building your own website on your host and especially with other website builders, 1&1 MyWebsite’s pricing is very competitive. Price isn’t everything, but I really like how they structure it.

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 1&1 MyWebsite as your website builder.

Setup Clarity

While 1&1 MyWebsite is fairly easy to use and convenient for DIYers who want to build a website fast (or even create something more custom), there was some confusion when I signed up — which is the biggest con with the platform.

For starters, I named my website and registered my free domain… so I thought. After I chose my theme and published my site, I came back to find my website was unnamed and had a subdomain.

Now, there’s always a chance of user error… but it was confusing nonetheless.

I also couldn’t seem to find information on storage caps. Most all-inclusive website builders cap storage and/or pages. But IONOS didn’t say anything about storage on their plans at all.

In fact, the only place I did see mention of storage was in an upsell on the checkout page.

1&1 MyWebsite Review Conclusion

1&1 MyWebsite makes getting your website up and running simple and fast, and they include advanced customization options and functionality integrations for those who want to take their site to the next level. This, combined with their pricing, makes them a great choice for those looking to bundle their hosting, domain, and website builder.

Check out 1&1 MyWebsite plans here.

However, like all website software, there’s no such thing as “perfect”. The lack of clarity and transparency tainted what would have been a smooth experience with 1&1 MyWebsite, and made me concerned about what else I was missing when using the platform.

Not sure 1&1 MyWebsite fits your needs? Check out my quiz to find what the best website builder is for you based on your preferences.

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Modernize Your Business With A Good Restaurant Ordering System

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How Much Money Do You Need To Start A Business?

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What Is Square And How Does It Work?

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Adobe Spark Website Builder Review: Pros, Cons, and Alternatives

Adobe Spark Website Builder Review

Adobe is a huge name in the software industry — and their website builder app, Adobe Spark Page, is no exception. Adobe Spark is a single-page website builder that makes building one-page websites (think resumes, portfolios, blog posts, presentations, etc.) easy to do with zero design experience.

Check out Adobe Spark’s Current Plans & Pricing

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

There are so many considerations to take into account when choosing the best website builder for your project, such as what you want it to look like, what you need your site to be able to do, and how much time you want to spend creating the site. 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 Adobe Spark Page?

On the wide spectrum of website building solutions, Adobe Spark Page lives on the end that is all-inclusive and provides everything you need to get started with your website. It contrasts with solutions where you buy, install, and manage all the “pieces” of your website separately. I wrote a post on Website Builders, Explained for more background.

Using Adobe Spark is sort of like leasing and customizing an apartment in a really classy development instead of buying and owning your own house. You’re still in control of decor, cleaning, and everything living-wise – but you leave the construction, plumbing, security, and infrastructure to the property owner. That point is key because there’s usually a direct tradeoff between convenience and control with all software, but especially with website builders.

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

As far as competition, Adobe Spark competes with all-inclusive hosted website builders like Weebly, Wix, Squarespace, Gator, and WordPress.com, but has one major distinction: Adobe Spark Page focuses on creating professional-looking, single-page websites.

Instead of giving you a multi-page template, Adobe Spark Page has a few web page templates you can choose from (among other templates, since Adobe Spark Page is part of Adobe Spark, which includes the ability to make design images, web pages, AND videos).

Adobe Spark Templates

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 Adobe Spark Page Website Builder

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

Straightforward Signup Process

One of Adobe Spark Page’s best features is how quickly you can get up and running. Signing up for the platform is simple — you just create an account (or log in with your existing Adobe ID if you have one), and then choose what type of project you’d like to create (a photo, video, or webpage) and which template to use. You can also create your own design from scratch if none of the templates stand out to you.

Adobe Spark Page DIY

Simplicity

Adobe Spark Page is also seriously simple to use.  The builder is intuitive, straightforward, and requires absolutely no website experience to use it.

Adobe Spark Editing

While the website builder is not drag and drop, you can choose from a menu of page elements when you want to add additional sections / functionality below the header.

Adobe spark adding elements to the page

The whole setup is like painting by numbers.

There are obvious drawbacks to this setup, which I will cover in the disadvantages, but it is a real advantage to have an easy-to-build, nice looking one page website ready in a matter of minutes!

Adobe Product Integration

Another benefit of Adobe Spark Page website builder is the ability to use other Adobe products within the page builder. For example, take a look at this list of options I have when trying to add an image to the page:

Adobe Spark Integrations

Adobe Spark Page gives me the option to pull photos from Adobe Stock, Creative Cloud, or Lightroom (all Adobe products). This is a solid advantage for Adobe users who want all of their apps to connect. There are also options to connect to your Dropbox, Google Photos, or Google Drive — so the benefits extend beyond just Adobe users.

Cons

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

Limited to One Page

This one is the most glaring disadvantage. Adobe Spark Page is true to its name — it’s a page builder, which means your website is limited to a single page.

For short-term projects where you only need a single page, this probably doesn’t matter to you. But if you’re trying to build a website that can grow and scale (or do anything beyond the basic functionality Adobe Spark Page provides), you’re stuck.

You can add sections, but the customization is limited (more on that in a minute). Again, if you need a website builder that enables you to put some text and imagery or video on a page quickly and with little customization, this con doesn’t hurt much. But for those who need a long-term, more robust website, Adobe Spark Page likely won’t cut it.

Limited Feature Set – Design

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

This trade-off is very apparent with Adobe Spark’s website builder. The convenience of their design setup is great. It’s straightforward, fast, and not confusing. It makes creating a single webpage super fast and easy, especially with how intuitive the builder is.

But here’s the thing — if you want to go anywhere beyond the basics of the design they provide, you are very limited with Adobe Spark.

For starters, you’re not really given a template to work with. Adobe Spark Page shows you different types of websites you can build, but each website category leads to the same starter template (which is also what you have when you choose the “build from scratch option”).

Adobe Spark Base Template

From there, you can select certain “themes”, which are really just font/color combinations that change the header and section styles.

Adobe Spark Page Theme Changes

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

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

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

Limited Feature Set – Technical

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

These are things like integrations with Facebook, Pinterest, Twitter, Google Ads, social sharing options, blogging, and a whole host of every intermediate to advanced marketing tools on the internet.

Adobe Spark Page’s technical limitations are also pretty crippling. There are no plugins or apps that you can use to market your page (aside from sharing the link on social media). You cannot integrate additional functionality aside from what’s provided (photos, videos, and grids). You can’t even customize your page URL.

Adobe Spark URL

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

With Adobe Spark Page, you can certainly choose the ingredients that go into your burrito, but your choice is really an illusion because you’re limited to the ingredients that are offered by the restaurant (and in this case, you’re eating at a basics-only burrito bar). Like the design, that can be a good thing if you need something simple, and will always need something simple. But if you ever need to upgrade or do something unique or custom, it can be very limiting.

Theme Examples that Aren’t Usable Pages

Another con of Adobe Spark Page is the lack of examples you can build off of in their template library. As I mentioned before, Adobe Spark Page doesn’t really give you different templates. The templates are the same for every website type. However, when you click “see more” under the website type, you are given various designed examples to pull from:

Adobe Spark Examples

Adobe Spark Options

Only problem is, they’re not actually Pages. They’re posts, which is an entirely different asset (AKA not a website page).

Adobe Spark Page Post

It’s a bit confusing, and again points to the limitations of the design.

Additionally, from what we can tell from the pricing, the additional features you get apply to this area of Adobe Spark (Posts) and not the website builder.

Adobe Pricing

When we upgraded to the monthly plan, there was no change in the templates available for website design purposes.

Adobe Spark Page Review Conclusion

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

Check out Adobe Spark Page’s plans here.

However, there are major trade-offs to consider with Adobe Spark Page — specifically functionality, customization, and control. And this is where Adobe Spark Page falls short when compared to other all-inclusive website builders that have more customization, more functionality, allow you to add additional pages, and include DNS services so you can have a custom domain. If you’re looking to create anything beyond a simple, single page website, Adobe Spark Page is probably not the best option for you.

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

 

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How To Start A Pet Sitting Business: The Complete Guide

Have you always had an affinity for furry (or scaly) things? Have you ever needed money? If you answered yes to both these questions, you may want to consider starting a pet-sitting business.

But before you pick up the leashes and pooper-scoopers, it’s a good idea to sit down and plan out the trajectory of your business. If that sounds overwhelming, don’t fret. Below, we’ll lay out the steps you can take to start a pet-sitting business.

Decide On A Location

Since you’re going to be dealing with people’s pets, you’ll need to take into account your proximity to your clients. If they’re dropping their pets off with you, you’ll want to be located somewhere easily accessible to most of your customers, and one that can accommodate animals. Depending on where you live, this can be tricky as the space necessary to accommodate animals will usually be cheaper in less centralized locations.

On the other hand, if you’re going to your customers, you’ll need to take into account the amount of time you need to spend with each client’s pets, the costs of commuting to the job, and how animal-friendly/animal-hostile the infrastructure in your service area is (dog parks, etc.).

Register Your Business

Why should you register your business? Depending on your local laws, you may actually be required to register your business in order to legally pet-sit. But even in jurisdictions where it isn’t compulsory, there are some advantages to doing so.

The first is that you can do business under a name other than your own. So instead of Martha Swearingen, LLC, you can do business as Baron Bark’s Pet Pampering Service (you can have that one for free).

The default configuration for businesses is a sole proprietorship (or a partnership, if you’re starting it with someone else). This essentially means that you’ve started a business with your own name or, if you file a DBA (Doing Business As), a name of your choice.

Sole proprietorships have the advantage of being cheap and easy to start. Your taxes will also be easier to file (and lower) than they would generally be with other forms of incorporation. Keep in mind, however, that for liability purposes, sole proprietorships and the individuals behind them are essentially one and the same.

Other forms of incorporation will require a bit more work and come with their own advantages and disadvantages. Most pet-sitting companies aren’t going to be interested in forming C-suites for governance, so you can probably ignore S-Corps and C-Corps for now. You may, however, want to consider forming an LLC to provide some separation between your personal finances and liabilities and your business ones.

Here are the most popular ways to incorporate:

  • Limited Liability Corporations (LLCs): If you’ve seen LLC after a corporation’s name, you’re dealing with this type of company. LLCs offer limited liability protection for their owners without the full complexity of a corporation. Each state has its own rules for how to start and maintain an LLC, and you don’t necessarily have to register your LLC in the state where you’re doing business (although you’ll generally want to). LLC owners report their business earnings and losses on their personal taxes.
  • C-Corp: This is the “basic,” default form of incorporation. Shareholders are considered the owner(s) of the company and receive limited liability protection; however, the business decisions are made by corporate officers who may or may not be shareholders. The corporation is taxed separately and shareholders pay income tax on dividends. To form a C-corp, you’ll file articles of incorporation with your state.
  • S-Corp: S-corps are similar to C-corps in most ways, but come with a few additional restrictions: you have to have fewer than 100 shareholders and they have to all be U.S. citizens or residents. Unlike C-corps, profits and losses are reported on personal taxes, not unlike an LLC. In addition to filing articles of incorporation, you’ll also need to file IRS Form 2553.

Get Business Insurance

As a pet-sitter, you’re not just dealing with property, you’re dealing with animals whose owners often view them as part of their family. In other words, if something goes wrong, things could get ugly.

Depending on your local laws, you may be required to carry certain types of insurance.

The type of insurance that will probably be of most interest to you is general liability insurance. This protects you in the event of a lawsuit or accident, whether it’s an accidental injury to the animal or if you accidentally damage property within a client’s home. It doesn’t only protect you, however; it also makes you look like a safer option than a business that isn’t covered.

There are other, more specialized types of insurance that are worth taking a look at depending on the specifics of your business. These include:

  • Property Insurance: Protects the property needed to run your business (as opposed to damages you cause to clients’ property).
  • Business Interruption: Covers costs related to unforeseen events that make your business unable to function.
  • Professional Liability (Error and Omissions): Covers the costs of defending your company in lawsuits in cases where your business caused a financial loss.

If you aren’t sure where to look, we can help you.

Invest In Business Software

While not absolutely necessary, you can save yourself and your customers some hassle with strategically chosen business software. For pet sitting, there are probably three types most worthy of consideration.

Payment Processing

Doing business with cash can be convenient when you’re first starting out, but as you grow, you’ll probably be missing out on clients if you can’t accommodate other forms of payment.

Recommended Option: Square

Best Overall Mobile POS


Review Visit Site

Highlights

  • No contract or monthly fee
  • Instant account setup
  • Retail upgrade available
  • Restaurant upgrade available
  • For iOS and Android mobile devices
  • 2.75% per in-person card swipe

Retail POS: Free trial ($60/mo value)

 

Restaurant POS: Free trial ($60/mo value)

 

Square POS: Always free

If you have an iOS or Android device, Square offers an extremely convenient way to accept mobile payments while on the go via a small add-on you plug into your device. It’s also a very scalable service; if you’re running a retail location, there are even more features and service options you can take advantage of.

Best of all, there aren’t any monthly fees to worry about. Square charges between 2.75  – 3.5 percent per transaction (depending on whether you swipe or key in the info), so you’ll want to factor those costs into your expenses.

Scheduling Software

As you add clients, it will get harder to remember their particular preferences, not to mention more difficult to fit them all into your schedule. With booking or scheduling software, you can track your time, note customer needs, and efficiently plan your days’ work. Many of these offer their basic features free of charge.

Accounting Software

Most businesses can benefit from accounting software. What you don’t want is to spend money unnecessarily on one. Wave offers most of the features you need at no cost.

With no monthly fee, you’ll get invoicing, estimates, contact management, expense tracking, accounts payable, and inventory tracking.

Seek Funding

Pet-sitting, especially, if you’re going to your clients, doesn’t have a lot of overhead when you’re first starting out. In the event that you do need to scare up some money to cover starting expenses or equipment, there are a number of options available to you.

Personal Savings

If you can avoid taking on debt, it’s usually a good idea. It may hurt to part with some of your rainy day funds, but you won’t be accumulating expensive interest and fees.

Tap Your Support Network

If you do need money from an outside source, you can often get a better deal from your support system than you can from a private lender.

Keep in mind that this comes with its own risks. You may stress your relationships, especially if you aren’t able to pay back these so-called friendly loans quickly. One way to avoid this is to formalize any agreements you make with friends and family so that everyone fully understands what they’re getting into and what the expectations are. You may even want to draw up a formal contract that outlines any expected payments and return on investment.

Credit Cards

For the relatively low expenses you will encounter when you start a pet-sitting business, credit cards can probably suffice for most of your needs.

The general rules of thumb when it comes to using credit cards effectively are these:

  1. Use credit cards for expenses that you can pay off within their interest-free grace period.
  2. Pick a card with a reward program that matches your spending habits and needs.
  3. Do not take out cash advances on your credit card.

If you follow these rules, you can actually save money by using your credit card to make purchases.

Recommended Option: American Express SimplyCash Plus

SimplyCash Plus Business Credit Card from American Express



Compare

Annual Fee:


$0

 

Purchase APR:


14.49% – 21.49%, Variable

Amex’s SimplyCash Plus offers one of the best cash back programs available without an annual fee. You’ll get 1 percent back on generic purchases, 5 percent back on wireless telephone purchases and office supply stores in the U.S. But it’s the middle tier that’s most interesting. You can select a category of your choosing (airfare, hotel rooms, car rentals, gas stations, restaurants, advertising, shipping, or computer hardware) to get 3 percent back.

It also carries an introductory 0% APR for the first nine months, which can be helpful if you’re just starting out.

Recommended Option: Amazon Business Prime American Express Card

Amazon Business Prime American Express Card


Compare

Annual Fee:


$0

 

Purchase APR:


16.24% – 24.24%, Variable

This one’s a little more niche. But if you find yourself buying supplies and random pet-related doodads on Amazon frequently, you can get a lot of value out of the Amazon Business Prime American Express Card.

If you have a Prime membership, you’ll earn a whopping 5 percent back on purchases made at Amazon.com, Amazon Business, AWS, and Whole Foods Market — or an extra 90 days interest-free grace period for purchases made at those places. Even if you’re not a Prime member, you’ll get 3 percent or 60 days, respectively. You’ll need to spend around $6,000 to recoup the cost of a $119 Prime membership with points alone, but that’s without factoring in money saved through Prime’s programs (shipping, deals, etc).

Personal Loans

If you need more money than you can safely put on a credit card, or need longer to pay it off, you should consider getting a personal loan that can cover business expenses.

There are some disadvantages to taking this route, namely that you’re on the hook rather than your business, but if your credit is good, it’s not the worst option out there.

Recommended Option: Lending Club Personal Loans

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Lending Club is a good option for individuals who may not have the strongest credit, but have a good debt-to-income ratio. The borrowing range is fairly narrow at $1k to $40k, but when you’re just starting out, you don’t want to go too deeply into debt anyway. You’ll have three-to-five years to pay it off, which makes it fairly manageable.

Recommended Option: Lendio

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If you’re just entering the alternative loan market for the first time, it can be pretty overwhelming. Lendio takes some of that burden off of you by allowing you to effectively apply to their whole network of lenders with one application.

Need more options? Check out our feature on startup loans.

Create Contracts

If you’ve just been watching your friends’ pets, you’ve probably had an informal agreement about the services you’d provide and the expectations of safety and liability involved. And that was probably enough.

When you’re dealing with strangers in a professional capacity, however, it’s smart to formalize these elements in a contract. This can save you a lot of headaches, if not legal troubles, down the road. You’ll want to include critical information about the pet (when and what they eat, how they are with strangers, pertinent medical history, etc.), what’s included in your services, and the client’s expectations for how their home will be treated under your care (if applicable). You’ll also want to include your fees and rates.

If you can, have a lawyer look it over to make sure it checks out legally.

Market Your Business

Getting the word out is always one of the most challenging parts of getting a business off the ground. The easiest place to start is through word of mouth. Are you already looking after the pets of a family or two? Let them know you’re looking to take on more clients, along with your friends, family, and social contacts.

At some point, you’ll probably want to expand outside the reach of your current contacts, which means advertising. It doesn’t have to be fancy. You can post flyers on bulletin boards and leave business cards in places trafficked by pet owners. Online classified sites like Craigslist can also cover a large audience in your area.

Bolster Your Web Presence

When it comes to promoting small business, the internet is one of those things that’s easy to both over- and underestimate. On the one hand, simply buying an ad and hoping for the best likely won’t yield amazing results. On the other, you do need an internet strategy to grow your business.

It doesn’t have to be fancy, but you’ll probably want a website that details your basic services and contact information. Don’t overthink it. There are a lot of great tools available that can help you build a website.

Remember, too, that social media isn’t just for sharing pictures of your dinner with your friends. You can use to communicate with customers, make engaging content that makes them keep your brand in mind, and announce special deals and service changes.

Final Thoughts

Hopefully, everything we covered doesn’t look too intimidating. If you’re good with animals and don’t mind turning that love into a source of revenue, you can get a pet-sitting business up and running in no time!

Having second thoughts about pet-sitting but are still looking to open a business? Check out our other beginners’ guides.

The post How To Start A Pet Sitting Business: The Complete Guide appeared first on Merchant Maverick.

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Top Credit Cards With No Foreign Transaction Fees

best credit cards with no foreign transaction fees

Your credit card might come with some nice rewards for your spending. It might even offer some nice travel benefits. But if it carries a foreign transaction fee, that means that every charge you make while outside the US is subject to an extra fee, usually 3%. Think of it this way: for every $100 in overseas charges you make, you’ll be spending another $3 in fees.

Spend enough on purchases outside the country, and foreign transaction fees will eat into whatever net benefit your card use would have otherwise brought you. Thankfully, the solution is clear. If you’re going to be using your credit card outside the US with any frequency, use a credit card with no foreign transaction fees.

Most credit card companies offer both cards that carry a foreign transaction fee and cards that don’t. However, there are two prominent exceptions to this general rule: Capital One and Discover. Neither credit card issuer charges a foreign transaction fee on any of their cards, making their credit card lineups particularly appealing to the traveler who spends a significant amount of time and money outside the US.

Let’s survey the landscape and highlight the best credit cards with no foreign transaction fees.

Credit Card Best For
Capital One Quicksilver Cash Rewards Cash Back with No Annual Fee
Chase Ink Business Preferred Business
Capital One QuicksilverOne Cash Rewards Average Credit
Barclays Arrival Plus World Elite Mastercard Travel Rewards
Chase Sapphire Preferred Transferable Travel Rewards
The Platinum Card from American Express Luxury Travel Benefits
Uber Visa Restaurants/Dining
Discover it Cash Back Rotating 5% Cash Back Categories

Best For Cash Back With No Annual Fee: Capital One Quicksilver Cash Rewards

Quicksilver from Capital One



Compare

Annual Fee:


$0

 

Purchase APR:


16.24 – 26.24%, Variable

The Capital One Quicksilver Cash Rewards card is a great cash back credit card for the international traveler who can’t be bothered with category restrictions on earning cash back and just wants to earn cash back at a flat rate — all without paying an annual fee.

The highlight of this card is undoubtedly the unlimited 1.5% cash back you’ll earn on every purchase, everywhere. You won’t have to worry about spending categories and there is no limit on the amount of cash back you can earn. You won’t have to weigh the benefits you’ll accrue against foreign transaction fees or an annual fee either, as there are no such fees.

Another great feature of the Capital One Quicksilver Cash Rewards card is the 15-month 0% intro APR on purchases and balance transfers. Most credit cards offer an introductory 0% APR for a year or less (if they offer one at all), so with the Quicksilver card, you’ll get an extra buffer period before you’ll have to start thinking about monthly interest charges.

Best For Business: Chase Ink Business Preferred

Chase Ink Business Preferred



Compare 

Annual Fee:


$95

 

Purchase APR:


18.24% – 23.24%, Variable

Chase Ink Business Preferred is a business credit card that confers some nice travel benefits. One of these benefits, of course, is the lack of a foreign transaction fee.

Ink Business Preferred offers an eye-catching bonus offer: 80,000 bonus points after you spend $5,000 on purchases in the first 3 months. When redeemed for travel, that’s a $1,000 reward. That’s because points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards.

On the subject or points-earning, you’ll earn 3 points per $1 on your first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable/phone services, and on social media/search engine advertising each year. You’ll earn 1 point per dollar spent on everything else.

Not only will you get a 25% boost to your points value when booking travel via Chase’s travel portal, but you can transfer your points on a 1:1 basis to the travel rewards programs of partners like United Airlines and Marriott.

The Ink Business Preferred does, however, carry a $95 annual fee.

Best For Average Credit: Capital One QuicksilverOne Cash Rewards

QuicksilverOne from Capital One



Compare

Annual Fee:


$39

Purchase APR:


26.99%, Variable

Not to be confused with Capital One’s other Quicksilver card, the QuicksilverOne Cash Rewards credit card is one of the few credit cards out there that both lacks a foreign transaction fee and is available to applicants with average credit.

The Capital One QuicksilverOne Cash Rewards card offers the same unlimited 1.5% cash back as the Quicksilver Cash Rewards card. Not bad for a card available to people with average credit!

Of course, there are some trade-offs to be made here. Unlike Capital One’s other Quicksilver card, this card offers no introductory 0% APR, an annual fee of $39, and a high variable APR that currently stands at 26.99%. The high APR combined with the lack of an intro 0% APR period means that you’ll want to avoid carrying a significant balance on this card from month-to-month. You’ll also need to spend at least $2,600 a year in order to earn enough cash back to make up for the annual fee.

Best For Travel Rewards: Barclays Arrival Plus World Elite Mastercard

Barclays Arrival Plus World Elite Mastercard


Barclays Arrival Plus World Elite Mastercard
Compare

Annual Fee:


$89 (waived the first year)

 

Purchase APR:


18.24% – 25.24%, Variable

The Barclays Arrival Plus World Elite Mastercard makes some tantalizing offers to the frequent traveler. Along with no foreign transaction fees, this card offers three big perks for the international traveler.

  • Earn 70,000 bonus miles when you spend at least $5,000 on purchases in the first 90 days — the equivalent of a $700 travel statement credit
  • Earn unlimited 2X miles on every purchase
  • Get 5% of your miles back to use toward your next redemption each time you redeem them

The 2X miles you’ll earn with every purchase is one of the highest flat earning rates of any travel credit card. And since you’ll get 5% of your miles back whenever you redeem them, the cash back rate is effectively 2.1%.

What’s more, your miles can be redeemed for a lot more than just airfare. You can redeem them for hotel stays, car rentals, trains, buses, taxis, and more. You can even use your miles to pay the $89 annual fee (the fee is waived the first year), though hopefully, you can find something more exciting to use them on!

Another nice card feature: If you transfer a balance to this card within 45 days of your account opening, you’ll pay a 0% introductory APR on that balance for 12 months.

Best For Transferable Travel Rewards: Chase Sapphire Preferred

Chase Sapphire Preferred



Compare

Annual Fee:


$95 ($0 the first year)

 

Purchase APR:


18.24% – 25.24%, Variable

The Chase Sapphire Preferred card is another travel rewards card with no foreign transaction fee. With Sapphire Preferred, not only can you redeem your rewards through Chase’s travel portal — you can also transfer your points on a 1:1 basis to the following airline and hotel travel partners:

  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards
  • World of Hyatt

The Chase Sapphire Preferred card features a bonus offer of 50,000 bonus points after you spend $4,000 on purchases in the first 3 months. Thanks to the 25% value bonus you’ll get when redeeming your points for travel via Chase Ultimate Rewards, these 50,000 points can become $625 for travel expenses.

You’ll also earn 2X points on travel and dining at restaurants and 1X points on everything else.

Unfortunately, the card carries a $95 annual fee (waived the first year) and lacks an introductory 0% APR period.

Best For Luxury Travel Benefits: The Platinum Card from American Express

The Platinum Card from American Express


The Platinum Card from American Express
Compare

Annual Fee:


$595

 

Purchase APR:


N/A (charge card)

The Platinum Card from American Express may not have a foreign transaction fee, but it does sport a $550 annual fee. That should tell you who this card is aimed at. It’s not the average traveler looking to earn some points/miles on the side. This card is for the well-heeled traveler seeking the finest in travel perks.

Of all the travel benefits this card offers, the best benefit might just be the 1,200+ airport lounges worldwide you’ll gain access to via the American Express Global Lounge Collection. It’s the largest airport lounge network around. I may not have any personal experience with these exclusive lounges, but I’m sure they’re spectacular.

The card comes with a host of other travel perks befitting a card with such a high annual fee. You’ll earn 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel and on prepaid hotels booked on amextravel.com. You’ll get a fee credit of up to $200 a year to cover checked bags and in-flight food and drinks. You’ll be enrolled in the Fine Hotels & Resorts program, giving you access to travel amenities with an average value of $550/year.

The card currently offers quite the bonus offer: 75,000 Membership Rewards points after you spend $5,000 on purchases on your new card in your first 3 months.

Just keep in mind that the Platinum Card is a charge card, meaning you won’t be able to carry a balance from month to month.

Best For Restaurants/Dining: Uber Visa Card

Uber Visa


Uber Visa
Compare

Annual Fee:


$0

 

Purchase APR:


17.24% – 25.99%, Variable

The Uber Visa card, a joint venture of Uber and Barclays, is a new credit card that offers great value to those who love to go out and live it up without worrying about things like foreign transaction fees or an annual fee.

The card offers an amazing 4% back on restaurants, takeout, and bars (UberEATS included), making the Uber Visa a compelling choice for you nightlife lovers. The card also offers 3% back on airfare and hotel stays, 2% back on all online purchases (yes, including Uber), and 1% back on all other purchases.

That’s not all. There’s a signup bonus of 10,000 points ($100) after you spend $500 on purchases within the first 90 days. There’s a cellphone protection plan that offers up to $600 if your phone is broken or stolen (conditions apply). There’s even a $50 credit toward digital subscriptions you’ll get if you spend at least $5,000 on your card each year.

With a system that rewards going out for food and drinks, online shopping, and offers cellphone protection, this card seems targeted at millennials, or at least the few millennials who aren’t drowning in debt already. One thing that won’t appeal to millennials, however, is the card’s lack of an introductory 0% APR.

Best For Rotating 5% Cash Back Categories: Discover it Cash Back

Discover it Cash Back



Compare

Annual Fee:


$0

 

Purchase APR:


14.24% – 25.24%, Variable

The Discover it Cash Back card allows those who don’t mind tracking rotating spending categories the chance to earn 5% cash back on their purchases.

With the Discover it Cash Back, you’ll earn 5% cash back on up to $1,500 in purchases each quarter on selected spending categories. The 5% categories for 2019 are:

  • January to March: Grocery stores
  • April to June: Gas stations, Uber, and Lyft
  • July to September: Restaurants
  • October to December: Amazon.com

Of course, you’ll earn 1% cash back on all other purchases.

What makes this Discover card an even better cash back value is the fact that Discover will match all the cash back you’ve earned at the end of your first year, thus doubling your first year’s cash back haul.

Beyond that, this card is a simple, reasonable credit card. There’s no annual fee, a competitive regular APR, a 0% intro APR for 14 months on purchases and balance transfers, and you can access your FICO score for free.

One word of caution: Though there is no foreign transaction fee, international acceptance of Discover cards can be hit-or-miss.

Final Thoughts

If you spend a significant amount of time outside the US, an ordinary credit card will have you needlessly paying 3% extra to your credit card company in the form of foreign transaction fees.

Don’t be a sucker. When spending money abroad, use a credit card that doesn’t charge a foreign transaction fee. Thankfully, the number of such cards has been expanding in recent years and you now have a wide range of choices!

Not sure which cards you’ll qualify for? Check out these helpful resources!

  • Best free credit score sites
  • Ways to improve your credit score
  • Using personal credit cards for business

The post Top Credit Cards With No Foreign Transaction Fees appeared first on Merchant Maverick.

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What Is An SMS Payment And How Does It Work?

We all know and love our Short Messaging Service (SMS) — better known simply as the text message. But did you know that you can start taking SMS payments for your business? And that it is relatively easy to get started?

In the United States, we are just now warming up to the idea of sending and receiving payments by text, but businesses throughout the world have already adopted SMS payments for everything from mass transit tickets to lattes.

While Americans are less likely to pay by text for everyday purchases, text payments are still an undeniably growing trend. You may already be familiar with payments by text when it comes to charitable donations, but home service providers (e.g., AT&T) are starting to offer SMS payments for their customers as well.

Text payments offer potential growth for many other types of businesses, too. Pizza shops, salons, or any business that has ‘regulars’ could benefit from text payments. SMS payment services are probably not for everyone, however, so let’s take a look at how text-to-pay works and if it’s right for your business.

How Do SMS Payments Work?

SMS Ordering

When it comes to the nuts and bolts of how SMS payments work, it’s pretty simple, really. While there may be some variations with each company that offers text messaging payment services, generally you can expect the following elements when it comes time to pay:

  1. A business sends a text to their customer’s phone number or the customer texts a shortcode number to the business to initiate the sale.
  2. After communicating what product or service the customer wishes to purchase, the business sends the customer a link to a secure, mobile-friendly payment form.
  3. The customer enters their payment information and can typically approve saving the card on file for recurring payments or a future purchase.
  4. The customer may get a unique code to complete the purchase.

The customer may also get another verification text from the payment processing company to confirm their intent to buy. As stated above, the exact process may vary by company, but you can expect a similar procedure to complete the sale.

Mobile Carriers Vs. Payment Processors for Text Payments

Many people associate text message payments with charity donations (often the amount is added to their phone bill). What is lesser known is that phone carriers generally only allow organizations to accept donated amounts in $5 or $10 increments. By setting up these limits, phone carriers reduce their own risk from non-paying customers. While the phone carrier setup can work great for flash-giving campaigns and allow an organization to avoid paying some payment processing fees, it isn’t a viable solution for businesses.

Enter companies like Relay, Pagato, and Sonar. These companies, and those like them, support SMS payments by integrating their messaging services with secure, PCI-compliant payment processing.

What Do You Need to Accept SMS Payments?

To get started accepting SMS payments, you’ll need to choose the company with the services that fit your needs best. There are some differences between the ways companies like Relay, Pagato, and Sonar price their services. Let’s briefly take a look at each of these three examples.

Relay (formerly Rhombus):

Relay charges $50/month for 250 “tickets” which refers to completed conversations. With that, you also get 1000 free SMS texts. All plans include automated responses, unlimited contacts, customer segmentation, and other engagement tools. Don’t forget about the actual credit card processing fees, however! Relay integrates with Stripe, and you pay 2.9% + $0.30 per successful transaction. You can accept every major card at the same rate with Stripe processing. (If you aren’t familiar with Stripe, check out our Stripe Payments Review.)

SMS Payments Relay

Pagato:

Pagato integrates with Stripe, Braintree (read our review), and Quickbooks Payments (read our review). In addition to the payment processing fees of your merchant account, you’ll pay 1% per transaction with a minimum of $0.20 per transaction. With Pagato, you can accept payments through SMS and social media channels like Instagram and Facebook, too. You won’t have additional setup, monthly, or hidden fees.

SMS Payments Pagato

Sonar:

Sonar offers packages starting at $24.67/month and $0.025 per SMS message. You can send automated messages, track customer data, set up campaigns and even A/B test them as well. Sonar integrates with Stripe, and your payment processing fees are 2.9% + $0.30 per transaction.

SMS Sonar

These are examples of some lesser-known companies, but the more prominent players like Square and PayPal allow you to send a text with a link to pay individual customers, too. The Square Cash App and PayPal don’t have the muscle to do much beyond sending a link to pay, however. You can’t A/B test marketing campaigns for an offer that you send out with Square or PayPal, for instance.

Keep in mind that most of the SMS messaging platforms mentioned above offer a free trial period and a demo to learn more about the exact features. So don’t hesitate to ask a lot of questions to get the information you need. It’s also a good idea to meet with your team and discuss the benefits of each platform, and of course, determine if your sales team has the bandwidth to have multiple open text conversations with customers. Text can be a powerful way to connect to your customers, but it is definitely not suited for every business model.

Which Types of Businesses Benefit Most From SMS Payments?

mobile-card-payment-app-service

Without a doubt, there is value in using SMS messaging to build a marketing campaign and nurture those ongoing relationships with your customers. When you consider that the global average open rate on a text is more than 90%, it makes sense to start building your phone list and reaching out that way.

As far as what businesses benefit from adding SMS payments to the mix, consider this:

If your business model provides delivery, your revenue depends on recurring payments, or you target a “repeat” customer base, SMS payments can make a lot of business sense. However, you need to have the staff and time to support the nurturing of customers via text. Text conversations can be a bit longer than a phone call if there is a specific issue, so training your team on escalation procedures can help you both save time and money with SMS texts.

All this connection can be great, but not all customers are going to love texting or getting “salesy” texts from you. While SMS texting and payments can help your sales team if you use it the right way, some may find automated sales messages impersonal. Keep in mind who your customers are and what supports their journey with you when you set up your SMS services.

Another significant benefit to SMS payments is the secure and compliant payment processing services that you can integrate with, such as Stripe. Because you don’t transmit the credit card data or store it on your servers, you can significantly reduce your liability when it comes to fraud risks. Not to mention that your customer has a fast and easy way to pay you, and all of it happens from their phone!

Are SMS Payments Right For You?

Being able to take payments by text offers potential — as long as the benefits outweigh the costs. Features vary by company, so do compare service packages before making a decision. One company may find a lot of value in the extra capabilities to target and segment lists, while another may be more focused on cutting down telephone orders. What services you choose mainly depends on your business model. Because text messaging offers a clear path to your customers’ hands, it may be worth finding the right balance to connect, engage, and encourage your customers to pay by text, too.

If you are discovering what else is out there in payment processing, be sure to check out our resources here at Merchant Maverick. Our Merchant Account Comparison Chart is a great starting point for payment providers! 

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The post What Is An SMS Payment And How Does It Work? appeared first on Merchant Maverick.

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