This guide will help you understand how payment systems work, what fees to expect, and how to find the lowest total cost option to bring money into your business without bleeding profit.<\/p>\n\n\n\n
Imagine a world where all your business tools play nicely together (cue angelic choir). Whether it\u2019s handling your finances, projects, or marketing, Zoho One keeps everything seamless and oh-so-simple. Plus, the price? A fraction of what you'd pay for piecing together different apps. Talk about a BARGAIN!<\/p>
If you\u2019re ready to take the leap from surviving to thriving, Zoho One is your trusty steed. Let\u2019s ride into the sunset of efficiency, my friends. Click that button and get ready to supercharge your hustle!<\/p>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t
![\"Zoho](\"https:\/\/diymarketers.com\/wp-content\/uploads\/Screen-Shot-2020-04-19-at-9.01.19-AM-800x377-1.webp\" "\\"\\"")
\n\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t\n\t\tHow Payment Systems Work (Without the Tech Jargon)<\/strong><\/h2>\n\n\n\nHere\u2019s what really happens when a customer pays you with a credit card:<\/p>\n\n\n\n
\n- The payment processor<\/strong> (Stripe, Square, Zoho Payments) handles the transaction.
<\/li>\n\n\n\n- The payment gateway<\/strong> approves or declines the charge.
<\/li>\n\n\n\n- The acquiring bank<\/strong> pulls funds from your customer\u2019s account.
<\/li>\n\n\n\n- The card network<\/strong> (Visa, Mastercard) routes the request.
<\/li>\n\n\n\n- Your business bank<\/strong> receives what\u2019s left.
<\/li>\n<\/ol>\n\n\n\nAnd each of those players? They get a cut.<\/p>\n\n\n\n
So when you charge $100, you might only receive $97\u2014and that\u2019s before any monthly software fees.<\/p>\n\n\n\n
Where Your Money Goes (and How Much You Lose)<\/strong><\/h2>\n\n\n\nLet\u2019s say you bring in $10,000\/month from customer payments.<\/p>\n\n\n\n
\n- If your processor charges 2.9% + $0.30, like Stripe or PayPal, you\u2019re paying about $290+ per month in fees.
<\/li>\n\n\n\n - Over a year, that\u2019s more than $3,500. Gone. Vanished.
<\/li>\n<\/ul>\n\n\n\nThat\u2019s why picking the right payment system for small business<\/strong> is so important. It\u2019s one of the easiest ways to increase your profit<\/a> without selling a thing.<\/p>\n\n\n\nCompare the Best Payment Systems for Small Business<\/strong><\/h2>\n\n\n\nHere\u2019s a simple breakdown of which system works best depending on how you get paid.<\/p>\n\n\n\nScenario<\/strong><\/td>Best Payment System<\/strong><\/td>Why It Works<\/strong><\/td>Key Fees<\/strong><\/td><\/tr>Low-volume online sales<\/td> PayPal<\/td> Fast setup, trusted brand<\/td> 2.9% + $0.30<\/td><\/tr> High-volume online sales<\/td> Zoho Payments<\/a><\/td> 2.0% flat fee, lower total cost<\/td> 2.0% flat rate<\/td><\/tr> In-person retail or restaurant<\/td> Square<\/td> Hardware + POS included<\/td> 2.6% + $0.10<\/td><\/tr> Invoicing or service-based<\/td> Stripe or Zoho Payments<\/td> Recurring billing + reminders<\/td> Stripe: 2.9% + $0.30, Zoho: 2.0%<\/td><\/tr> Subscriptions or memberships<\/td> Zoho Subscriptions or Stripe<\/td> Handles recurring payments, dunning<\/td> Same as above<\/td><\/tr> ACH or bank transfers<\/td> Stripe or Melio<\/td> Lower cost for high-dollar items<\/td> Stripe: 0.8% (max $5), Melio: $0<\/td><\/tr> Cash-preferred locations<\/td> Cash discount program<\/td> Offers a lower price for cash<\/td> Often free, or flat POS cost<\/td><\/tr> You use Zoho apps<\/td> Zoho Payments<\/td> Built-in with CRM, Books, etc.<\/td> 2.0% per transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nWhy Zoho Payments Is Worth a Look<\/strong><\/h2>\n\n\n\nIf you’re already using Zoho Books, CRM, or Subscriptions, Zoho Payments gives you a clean, integrated experience with fewer moving parts. It\u2019s one of the only systems that charges a flat 2.0% fee<\/strong> without tacking on per-transaction costs. That might not sound like much, but here\u2019s what it means:<\/p>\n\n\n\n\n- $10,000\/month in payments with Stripe = ~$290 in fees
<\/li>\n\n\n\n - Same volume with Zoho = $200
<\/li>\n<\/ul>\n\n\n\nThat\u2019s nearly $1,100 a year in savings\u2014enough to cover software, marketing, or a well-earned vacation.<\/p>\n\n\n\n
Why So Many Businesses Add a 3% Surcharge<\/strong><\/h2>\n\n\n\nYou\u2019ve probably seen signs like \u201c3% fee for credit card use.\u201d It\u2019s called a surcharge<\/strong>, and it\u2019s a legal way to pass processor fees onto your customers\u2014as long as you disclose it properly.<\/p>\n\n\n\nBut here\u2019s the problem:<\/p>\n\n\n\n
\n- Customers hate it
<\/li>\n\n\n\n - It can damage your brand image
<\/li>\n\n\n\n - Some processors or card networks frown on it
<\/li>\n<\/ul>\n\n\n\nA better move? Offer a cash discount<\/strong> instead. Frame it as a reward, not a penalty.<\/p>\n\n\n\nHow to Choose the Right Payment Setup<\/strong><\/h2>\n\n\n\nAsk yourself:<\/p>\n\n\n\n
\n- Where do most of your transactions happen? Online, in-person, or through invoices?
<\/li>\n\n\n\n - What payment methods do your customers prefer\u2014credit, debit, ACH?
<\/li>\n\n\n\n - Are you already using tools like Zoho or Stripe that can help simplify?
<\/li>\n\n\n\n - How much are you currently paying in fees?
<\/li>\n\n\n\n - Can you streamline with a single system instead of using three?
<\/li>\n<\/ul>\n\n\n\nWhat to Do Next<\/strong><\/h2>\n\n\n\n\n- Audit your current payment system and fees.
<\/li>\n\n\n\n - Compare it to other tools in the table above.
<\/li>\n\n\n\n - Consider testing Zoho Payments, especially if you’re already using Zoho CRM or Books.
<\/li>\n\n\n\n - Offer a small discount for cash or ACH payments.
<\/li>\n\n\n\n - Choose a payment system for small business that fits your workflow\u2014and keeps more money in your pocket.
<\/li>\n<\/ol>\n\n\n\nFinal Word<\/strong><\/h2>\n\n\n\nThe payment system you choose will either eat your margins or protect them. Most small business owners just go with what\u2019s easy or familiar. But by taking a closer look at your options\u2014and understanding how payment processing actually works\u2014you can stop overpaying and start keeping more of every dollar you earn.<\/p>\n\n\n\n
Choosing the right payment system for small business<\/strong> isn\u2019t about chasing the trend. It\u2019s about protecting your profit. And now you know exactly where to start.<\/p>\n\n\n\nFrequently Asked Questions<\/strong><\/h2>\n\n\n\nCan I accept credit card payments without paying fees?<\/strong><\/h3>\n\n\n\nNot entirely. Every payment processor charges fees. But you can choose one with lower rates, like Zoho Payments or a flat ACH option through Melio, to keep more of what you earn.<\/p>\n\n\n\n
What\u2019s the cheapest way to accept payments from customers?<\/strong><\/h3>\n\n\n\nFor in-person transactions, cash is the cheapest (no fees). For digital payments, ACH transfers are typically the lowest cost. If you need to accept cards, look for a payment system with flat, low fees\u2014Zoho Payments is one of the most affordable.<\/p>\n\n\n\n
Do I need special software or hardware to accept payments?<\/strong><\/h3>\n\n\n\nIt depends on how you operate. For online businesses, you\u2019ll need a platform with built-in payment capabilities. For in-person, Square and similar systems offer card readers. If you’re invoicing, Zoho Books or Stripe can handle payments without extra hardware.<\/p>\n\n\n\n
What\u2019s the difference between Stripe, PayPal, and Zoho Payments?<\/strong><\/h3>\n\n\n\nStripe is great for developers and custom integrations. PayPal is easy to set up but has higher fees. Zoho Payments is ideal for small business owners already using Zoho tools\u2014it\u2019s integrated and offers lower flat rates.<\/p>\n\n\n\n
Should I charge customers more to cover credit card fees?<\/strong><\/h3>\n\n\n\nSome businesses do, but it\u2019s risky. Customers may get turned off by surprise charges. A better option is to offer a cash discount\u2014framing it as a savings, not a penalty.<\/p>","protected":false},"excerpt":{"rendered":"
What no one explains about payment systems for small business — you’re welcome.<\/p>\n","protected":false},"author":2,"featured_media":86475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[84,161,38],"class_list":["post-86473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-make-money","tag-billing","tag-payment","tag-zoho"],"acf":[],"_links":{"self":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/comments?post=86473"}],"version-history":[{"count":3,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions"}],"predecessor-version":[{"id":86493,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions\/86493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media\/86475"}],"wp:attachment":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media?parent=86473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/categories?post=86473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/tags?post=86473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/li>\n\n\n\n
<\/li>\n\n\n\n
<\/li>\n\n\n\n
<\/li>\n\n\n\n
<\/li>\n<\/ol>\n\n\n\n
And each of those players? They get a cut.<\/p>\n\n\n\n
So when you charge $100, you might only receive $97\u2014and that\u2019s before any monthly software fees.<\/p>\n\n\n\n
Where Your Money Goes (and How Much You Lose)<\/strong><\/h2>\n\n\n\nLet\u2019s say you bring in $10,000\/month from customer payments.<\/p>\n\n\n\n
\n- If your processor charges 2.9% + $0.30, like Stripe or PayPal, you\u2019re paying about $290+ per month in fees.
<\/li>\n\n\n\n - Over a year, that\u2019s more than $3,500. Gone. Vanished.
<\/li>\n<\/ul>\n\n\n\nThat\u2019s why picking the right payment system for small business<\/strong> is so important. It\u2019s one of the easiest ways to increase your profit<\/a> without selling a thing.<\/p>\n\n\n\nCompare the Best Payment Systems for Small Business<\/strong><\/h2>\n\n\n\nHere\u2019s a simple breakdown of which system works best depending on how you get paid.<\/p>\n\n\n\nScenario<\/strong><\/td>Best Payment System<\/strong><\/td>Why It Works<\/strong><\/td>Key Fees<\/strong><\/td><\/tr>Low-volume online sales<\/td> PayPal<\/td> Fast setup, trusted brand<\/td> 2.9% + $0.30<\/td><\/tr> High-volume online sales<\/td> Zoho Payments<\/a><\/td> 2.0% flat fee, lower total cost<\/td> 2.0% flat rate<\/td><\/tr> In-person retail or restaurant<\/td> Square<\/td> Hardware + POS included<\/td> 2.6% + $0.10<\/td><\/tr> Invoicing or service-based<\/td> Stripe or Zoho Payments<\/td> Recurring billing + reminders<\/td> Stripe: 2.9% + $0.30, Zoho: 2.0%<\/td><\/tr> Subscriptions or memberships<\/td> Zoho Subscriptions or Stripe<\/td> Handles recurring payments, dunning<\/td> Same as above<\/td><\/tr> ACH or bank transfers<\/td> Stripe or Melio<\/td> Lower cost for high-dollar items<\/td> Stripe: 0.8% (max $5), Melio: $0<\/td><\/tr> Cash-preferred locations<\/td> Cash discount program<\/td> Offers a lower price for cash<\/td> Often free, or flat POS cost<\/td><\/tr> You use Zoho apps<\/td> Zoho Payments<\/td> Built-in with CRM, Books, etc.<\/td> 2.0% per transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nWhy Zoho Payments Is Worth a Look<\/strong><\/h2>\n\n\n\nIf you’re already using Zoho Books, CRM, or Subscriptions, Zoho Payments gives you a clean, integrated experience with fewer moving parts. It\u2019s one of the only systems that charges a flat 2.0% fee<\/strong> without tacking on per-transaction costs. That might not sound like much, but here\u2019s what it means:<\/p>\n\n\n\n\n- $10,000\/month in payments with Stripe = ~$290 in fees
<\/li>\n\n\n\n - Same volume with Zoho = $200
<\/li>\n<\/ul>\n\n\n\nThat\u2019s nearly $1,100 a year in savings\u2014enough to cover software, marketing, or a well-earned vacation.<\/p>\n\n\n\n
Why So Many Businesses Add a 3% Surcharge<\/strong><\/h2>\n\n\n\nYou\u2019ve probably seen signs like \u201c3% fee for credit card use.\u201d It\u2019s called a surcharge<\/strong>, and it\u2019s a legal way to pass processor fees onto your customers\u2014as long as you disclose it properly.<\/p>\n\n\n\nBut here\u2019s the problem:<\/p>\n\n\n\n
\n- Customers hate it
<\/li>\n\n\n\n - It can damage your brand image
<\/li>\n\n\n\n - Some processors or card networks frown on it
<\/li>\n<\/ul>\n\n\n\nA better move? Offer a cash discount<\/strong> instead. Frame it as a reward, not a penalty.<\/p>\n\n\n\nHow to Choose the Right Payment Setup<\/strong><\/h2>\n\n\n\nAsk yourself:<\/p>\n\n\n\n
\n- Where do most of your transactions happen? Online, in-person, or through invoices?
<\/li>\n\n\n\n - What payment methods do your customers prefer\u2014credit, debit, ACH?
<\/li>\n\n\n\n - Are you already using tools like Zoho or Stripe that can help simplify?
<\/li>\n\n\n\n - How much are you currently paying in fees?
<\/li>\n\n\n\n - Can you streamline with a single system instead of using three?
<\/li>\n<\/ul>\n\n\n\nWhat to Do Next<\/strong><\/h2>\n\n\n\n\n- Audit your current payment system and fees.
<\/li>\n\n\n\n - Compare it to other tools in the table above.
<\/li>\n\n\n\n - Consider testing Zoho Payments, especially if you’re already using Zoho CRM or Books.
<\/li>\n\n\n\n - Offer a small discount for cash or ACH payments.
<\/li>\n\n\n\n - Choose a payment system for small business that fits your workflow\u2014and keeps more money in your pocket.
<\/li>\n<\/ol>\n\n\n\nFinal Word<\/strong><\/h2>\n\n\n\nThe payment system you choose will either eat your margins or protect them. Most small business owners just go with what\u2019s easy or familiar. But by taking a closer look at your options\u2014and understanding how payment processing actually works\u2014you can stop overpaying and start keeping more of every dollar you earn.<\/p>\n\n\n\n
Choosing the right payment system for small business<\/strong> isn\u2019t about chasing the trend. It\u2019s about protecting your profit. And now you know exactly where to start.<\/p>\n\n\n\nFrequently Asked Questions<\/strong><\/h2>\n\n\n\nCan I accept credit card payments without paying fees?<\/strong><\/h3>\n\n\n\nNot entirely. Every payment processor charges fees. But you can choose one with lower rates, like Zoho Payments or a flat ACH option through Melio, to keep more of what you earn.<\/p>\n\n\n\n
What\u2019s the cheapest way to accept payments from customers?<\/strong><\/h3>\n\n\n\nFor in-person transactions, cash is the cheapest (no fees). For digital payments, ACH transfers are typically the lowest cost. If you need to accept cards, look for a payment system with flat, low fees\u2014Zoho Payments is one of the most affordable.<\/p>\n\n\n\n
Do I need special software or hardware to accept payments?<\/strong><\/h3>\n\n\n\nIt depends on how you operate. For online businesses, you\u2019ll need a platform with built-in payment capabilities. For in-person, Square and similar systems offer card readers. If you’re invoicing, Zoho Books or Stripe can handle payments without extra hardware.<\/p>\n\n\n\n
What\u2019s the difference between Stripe, PayPal, and Zoho Payments?<\/strong><\/h3>\n\n\n\nStripe is great for developers and custom integrations. PayPal is easy to set up but has higher fees. Zoho Payments is ideal for small business owners already using Zoho tools\u2014it\u2019s integrated and offers lower flat rates.<\/p>\n\n\n\n
Should I charge customers more to cover credit card fees?<\/strong><\/h3>\n\n\n\nSome businesses do, but it\u2019s risky. Customers may get turned off by surprise charges. A better option is to offer a cash discount\u2014framing it as a savings, not a penalty.<\/p>","protected":false},"excerpt":{"rendered":"
What no one explains about payment systems for small business — you’re welcome.<\/p>\n","protected":false},"author":2,"featured_media":86475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[84,161,38],"class_list":["post-86473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-make-money","tag-billing","tag-payment","tag-zoho"],"acf":[],"_links":{"self":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/comments?post=86473"}],"version-history":[{"count":3,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions"}],"predecessor-version":[{"id":86493,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions\/86493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media\/86475"}],"wp:attachment":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media?parent=86473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/categories?post=86473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/tags?post=86473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/li>\n\n\n\n
<\/li>\n<\/ul>\n\n\n\n
That\u2019s why picking the right payment system for small business<\/strong> is so important. It\u2019s one of the easiest ways to increase your profit<\/a> without selling a thing.<\/p>\n\n\n\n Here\u2019s a simple breakdown of which system works best depending on how you get paid.<\/p>\n\n\n\n If you’re already using Zoho Books, CRM, or Subscriptions, Zoho Payments gives you a clean, integrated experience with fewer moving parts. It\u2019s one of the only systems that charges a flat 2.0% fee<\/strong> without tacking on per-transaction costs. That might not sound like much, but here\u2019s what it means:<\/p>\n\n\n\n That\u2019s nearly $1,100 a year in savings\u2014enough to cover software, marketing, or a well-earned vacation.<\/p>\n\n\n\n You\u2019ve probably seen signs like \u201c3% fee for credit card use.\u201d It\u2019s called a surcharge<\/strong>, and it\u2019s a legal way to pass processor fees onto your customers\u2014as long as you disclose it properly.<\/p>\n\n\n\n But here\u2019s the problem:<\/p>\n\n\n\n A better move? Offer a cash discount<\/strong> instead. Frame it as a reward, not a penalty.<\/p>\n\n\n\n Ask yourself:<\/p>\n\n\n\n The payment system you choose will either eat your margins or protect them. Most small business owners just go with what\u2019s easy or familiar. But by taking a closer look at your options\u2014and understanding how payment processing actually works\u2014you can stop overpaying and start keeping more of every dollar you earn.<\/p>\n\n\n\n Choosing the right payment system for small business<\/strong> isn\u2019t about chasing the trend. It\u2019s about protecting your profit. And now you know exactly where to start.<\/p>\n\n\n\n Not entirely. Every payment processor charges fees. But you can choose one with lower rates, like Zoho Payments or a flat ACH option through Melio, to keep more of what you earn.<\/p>\n\n\n\n For in-person transactions, cash is the cheapest (no fees). For digital payments, ACH transfers are typically the lowest cost. If you need to accept cards, look for a payment system with flat, low fees\u2014Zoho Payments is one of the most affordable.<\/p>\n\n\n\n It depends on how you operate. For online businesses, you\u2019ll need a platform with built-in payment capabilities. For in-person, Square and similar systems offer card readers. If you’re invoicing, Zoho Books or Stripe can handle payments without extra hardware.<\/p>\n\n\n\n Stripe is great for developers and custom integrations. PayPal is easy to set up but has higher fees. Zoho Payments is ideal for small business owners already using Zoho tools\u2014it\u2019s integrated and offers lower flat rates.<\/p>\n\n\n\n Some businesses do, but it\u2019s risky. Customers may get turned off by surprise charges. A better option is to offer a cash discount\u2014framing it as a savings, not a penalty.<\/p>","protected":false},"excerpt":{"rendered":" What no one explains about payment systems for small business — you’re welcome.<\/p>\n","protected":false},"author":2,"featured_media":86475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[84,161,38],"class_list":["post-86473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-make-money","tag-billing","tag-payment","tag-zoho"],"acf":[],"_links":{"self":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/comments?post=86473"}],"version-history":[{"count":3,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions"}],"predecessor-version":[{"id":86493,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/posts\/86473\/revisions\/86493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media\/86475"}],"wp:attachment":[{"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/media?parent=86473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/categories?post=86473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diymarketers.com\/wp-json\/wp\/v2\/tags?post=86473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Compare the Best Payment Systems for Small Business<\/strong><\/h2>\n\n\n\n
Scenario<\/strong><\/td> Best Payment System<\/strong><\/td> Why It Works<\/strong><\/td> Key Fees<\/strong><\/td><\/tr> Low-volume online sales<\/td> PayPal<\/td> Fast setup, trusted brand<\/td> 2.9% + $0.30<\/td><\/tr> High-volume online sales<\/td> Zoho Payments<\/a><\/td> 2.0% flat fee, lower total cost<\/td> 2.0% flat rate<\/td><\/tr> In-person retail or restaurant<\/td> Square<\/td> Hardware + POS included<\/td> 2.6% + $0.10<\/td><\/tr> Invoicing or service-based<\/td> Stripe or Zoho Payments<\/td> Recurring billing + reminders<\/td> Stripe: 2.9% + $0.30, Zoho: 2.0%<\/td><\/tr> Subscriptions or memberships<\/td> Zoho Subscriptions or Stripe<\/td> Handles recurring payments, dunning<\/td> Same as above<\/td><\/tr> ACH or bank transfers<\/td> Stripe or Melio<\/td> Lower cost for high-dollar items<\/td> Stripe: 0.8% (max $5), Melio: $0<\/td><\/tr> Cash-preferred locations<\/td> Cash discount program<\/td> Offers a lower price for cash<\/td> Often free, or flat POS cost<\/td><\/tr> You use Zoho apps<\/td> Zoho Payments<\/td> Built-in with CRM, Books, etc.<\/td> 2.0% per transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Why Zoho Payments Is Worth a Look<\/strong><\/h2>\n\n\n\n
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Frequently Asked Questions<\/strong><\/h2>\n\n\n\n
Can I accept credit card payments without paying fees?<\/strong><\/h3>\n\n\n\n
What\u2019s the cheapest way to accept payments from customers?<\/strong><\/h3>\n\n\n\n
Do I need special software or hardware to accept payments?<\/strong><\/h3>\n\n\n\n
What\u2019s the difference between Stripe, PayPal, and Zoho Payments?<\/strong><\/h3>\n\n\n\n
Should I charge customers more to cover credit card fees?<\/strong><\/h3>\n\n\n\n