Starting a webshop? Now is the time. Belgians are increasingly confident in e-commerce . Online purchases continue to grow. The number of webshops and interesting ideas for e-commerce websites are also growing. Maybe you have been thinking about such a plan for a while?
In this article we share our expertise on payment systems for webshops
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It is quite simple to start a webshop these days . Technically speaking. With WordPress and WooCommerce you can easily and quickly build a professional webshop.
We are not talking about the business plan, marketing , logistics and possible fiscal or legal aspects. Also essential steps, which you think about very well and inform yourself about before starting a webshop. Maybe we can talk about that another time.
Arrange online payments
When building the e-commerce website itself , web design , content, structure and a good technical setup are some components to consider. These have a major impact on your findability, ease of use and the trust you inspire in the visitor.
But this time we want to talk about perhaps the most crucial element in the practical realization of a webshop. How do you ensure that the income from your shop ends up in your account?
After all, it is not the case that after completing an order on your website, those euros are immediately in your account. After all, an intermediary, a payment gateway or payment service, is needed for that.
On the one hand, there are costs involved that the payment service charges to arrange the transactions. On the other hand, there is the technical aspect of linking this to your website. In doing so, you must keep in mind that your customer dares to entrust you with their sensitive payment data.
An integrated or indirect payment system
You can choose between an integrated or an indirect method.
With the first, you build the payment module into your website. This prevents your visitors from leaving the website during the payment process, which generally makes the experience for the visitor a bit smoother. The disadvantage is that you then have to provide the secure environment yourself, with SSL certificate , where your customers can safely leave their data. This environment must meet all legal requirements for online payments. Building in such an application requires more technical knowledge and therefore additional development.
With the indirect method, your customer is redirected to the platform of your payment service provider after placing the order . They then handle the payment for you. This could deter customers, because they suddenly end up on a completely different page. But most of these payment services offer personalized payment pages, which you can style completely like your webshop, so that people hardly notice that they have ended up on a different domain.
For a starting webshop, this last method is certainly the simplest and fastest solution. If desired, one can later switch to a built-in payment module.
Also read: Having a webshop created: what should you consider?
Let’s compare some online payment services
We based ourselves on the following important questions:
Are there any monthly/annual fees?
What are the costs per payment?
What payment methods are available? Certain methods are more common per country. For example Bancontact / Mister Cash in Belgium, iDeal in the Netherlands, Sofort in Germany. And of course Visa internationally. Depending on your target market, it is important to include the most commonly used methods in your webshop.
How and how often are payments transferred? Are there any costs involved?
Is there a possibility for automatic payments on subscriptions? For example, quarterly automatic renewal?
Are refunds possible?
How is support provided?
Is there a WordPress and WooCommerce plugin available?
Is a test account available?
Multisafepay
Paypal
Ingenico (Ogone)
Sips (Worldline)
Hipay
Icepay
Mollie
Stripe
We based our calculations on information they provide online, combined with buy country email list recent information from customer projects . Some only give you custom prices after request (often the larger payment gateway providers such as Ingenico / Worldline). With one, there are subscription costs, but no costs per transaction. With the other, it is the other way around. Difficult to compare. That is why we simulated the monthly costs for a few cases. (One-off start-up costs and costs for plug-ins are not included).
Complete the checklist: 29 aspects to consider before having a webshop created
Important to know
There are payment services that are clearly cheaper. Others are more expensive, but become more interesting as turnover increases. Some are established names (Ingenico, Worldline), others are new, dynamic companies (Mollie, Multisafepay). Our comparison is mainly based on prices. They all offer a support service, but which one works the fastest? That is also an important element. Because technical problems cost you time, money and customers. Of course, we have not yet been able to work with all of them.
What are the start-up costs?
PayPal is a special case. PayPal is often also included in the payment agb directory options of other payment systems. For example, it is very much established among people in the IT or marketing sector. Less so in other sectors, but since it is a fairly fast service (you only need your password), it is certainly interesting to offer this as an additional option.
We compared these providers:
However, only offering PayPal will put off many people. In Belgium, the most important payment methods are Bancontact and credit cards such as Visa. In the Netherlands, this is iDeal and Germans prefer to use Sofort. If you are targeting these markets, you should also take this into account.
Our comparison already offers you a nice overview of the services, prices and commissions. A general conclusion is more difficult to make, because the choice of payment system will largely depend on your company and e-commerce goals.
