When we set up our online store, one of the steps in the process is to choose a payment provider that will serve us. In this text we will compare the most popular solutions that are available on the market.
Payment operator, that is, who?
A payment operator is an entity that coordinates the entire payment process. So, in practice, it provides the technology necessary to carry it out and automates the accounting process. How to choose the best operator for our online store? First, we suggest betting on proven companies that have been on the market for many years. It is also necessary to analyze the costs, as they will most strongly affect our long-term cooperation with the operator. We propose paying attention to the amount of commission and activation fee. It is also worth checking which payment methods a given operator offers and which online store systems it cooperates with. Below is a list of the most popular payment operators with descriptions of their offerings.
Tpay has been operating for more than 10 years. Today the company's solutions are used by NEONET, Media Expert or STS, among others. The reason for choosing this operator is the relatively low commission (from 1.59%). The disadvantage is the high cost of activation, as it amounts to as much as PLN 199. Available payment methods: BLIK, payment card, installments, transfers, SMS Premium. Integrations: WooCommerce, WP e-Commerce, Easy Digital Downloads, PrestaShop, Magento, VirtueMart, Drupal Commerce, OpenCart, Quick.Cart, WHMCS, Blesta, Cs.Cart, BoxBilling, Joomshopping, osCommerce, RedShop, Drupal, UberCart, CubeCart, Oxid eshop.
HotPay offers lower transaction commissions than Tpay (starting at 0.95%). On top of that, it is an interesting option for some customers, as it serves people who do not run a business. It also offers a premium SMS service, which also allows payment for services. Available payment methods: BLIK, credit card, SMS Premium, wire transfers, Paysafecard, Paysafecash. Integrations: WooCommerce, WordPress, Shoper, Prestashop, Sellingo, takedrop, Magento, opencart, Idosell shop, shoplo, shopify, automater, autosend, Streamonline.
PayU is one of the most popular e-commerce payment operators. This time we will start with the downside. Certainly, some potential users will be turned off by transaction commissions. This is because these amount to about 2.3%. This rate can be negotiated, but the condition is higher turnover. Thus, by this PayU is a more interesting solution for larger sales networks. The company offers the system in Polish and English language versions. Another advantage is free refunds and withdrawals. Available payment methods: BLIK, credit card, installments, quick transfers. Integrations: Presta Shop, Magento, OpenCart, WooCommerce, Click Shop, Comarch e-Store, cStore, ePRO, GoShop, IAI Shop, KQS.store, Sklepicom, QuickCart, RedCart, Sellingo, Shoper, shopGold, Shoplo, Sky-Shop, SOTE, WellCommerce, ZenCart.
Blue Media is also among the top operators. It is certainly one of the most reliable companies in this market. It has been operating in it since 1999, handling a sizable portion of all online payments on the Internet today. It currently offers one of the lowest commissions on the market (starting at 1.3%), and allows you to negotiate better terms. The cost of activation is PLN 19. Available payment methods: BLIK, payment card, installments, quick transfers. Integrations: Presta Shop, Magento, OpenCart, WooCommerce, Click Shop, Comarch eStore, cStore, ePRO, GoShop, IAI Shop, KQS.store, Sklepicom, QuickCart, RedCart, Sellingo, Shoper, shopGold, Shoplo, Sky-Shop, SOTE, WellCommerce, ZenCart.
Dotpay is another online payment system that handles payment transactions of online stores, companies as well as payments between individuals. Thanks to the use of recognized security certificates, it meets even the strictest banking security requirements for transactions. DotPay offers a commission rate of 1.9%. Activation alone costs PLN 1.5. Available payment methods: BLIK, debit card, installments, transfers, Paysafecard, SMS Premium. Integrations: Click Shop, Comarch eStore, cStore, CubeCart, Drupal Commerce, Ebexo, eproSHOP, GOshop, hikashop, IAI-Shop, J2Store, Magento, Opencart, osCommerce, PrestaShop, Quick.Cart, RedCart, Selly, Shoper, Shoplo, Sote, VirtueMart, WooCommerce,, Zen Cart.
How to automatically book bank transfers?
In the process of booking bank transfers, you can use Transferlink, which will monitor incoming transfers in your bank account and then match them with orders in the store. On top of that, it will immediately mark the relevant invoices as paid and the orders in the online store as ready for shipment. This saves a lot of time for you, as you no longer have to manually check individual transfers. In addition, the tool automates the entire process and reduces the risk of mistakes to almost zero. You can find more information at this link.