WePay Review (2023): Is dit die regte opsie vir handelaars?

Is u op soek na 'n eenvoudige oplossing vir die bou van 'n betalingsverwerkingsplatform?

As jy inteken op 'n diens vanaf 'n skakel op hierdie bladsy, kan Reeves and Sons Beperk 'n kommissie verdien. Sien ons etiese verklaring.

Deesdae beteken die digitale wêreld, gekombineer met mobiele verkoopspuntstelsels, maklike e-handelbestuuropsies en 'n reeks ander hulpmiddels dat dit makliker as ooit is om jou eie besigheid aanlyn te begin. Ongelukkig beteken dit nie noodwendig dat handelaars nie uitdagings het om die hoof te bied nie. As jy die betalings wat jy elke maand nodig het van jou verbruikers wil kry, gaan jy die regte betalingsverwerkingstelsel nodig hê.

WePay is een van die beter bekende opsies op die mark vandag. Bekendgestel as 'n alternatief vir die standaard opsies soos Stripe en PayPal in 2008, WePay is ontwerp om handelaars iets anders te gee. Die primêre fokus van die maatskappy is om vandag se aanlyn e-handelverkopers 'n manier te bied om betalings van skenkers en kliënte in te vorder.

WePay ondersteun feitlik elke webwerf deur 'n manier te lewer om rekeninge te integreer vir die invordering van betalings deur deelnemende gebruikers via ACH oordragte (bankoorplasings) en kredietkaart betalings. There are no set-up fees to get you started, which is always a plus, and there’s no service length requirement.

So, wat is die probleem?

Daar is wel positiewe en negatiewe aspekte om te gebruik WePay as your processing provider, as you’re about to find out in this comprehensive WePay review.

Wat is WePay?

Wanneer WePay meer as tien jaar gelede op die mark gekom, is dit ontwerp om mee te ding teen verskillende bestaande oplossings soos Stripe en PayPal.

The service emerged because two friends (the co-founders of WePay) were unable to find a solution that they felt comfortable using to split the costs of their ski house rental. A problem like that doesn’t sound very realistic today – but this was before most of the peer-to-peer payment options you know today existed.

Ontevrede met wat reeds op die mark was, het die twee vennote hul eie kluis ontwerp en gebou aanlyn betaling processing website. The solution was designed to sit on top of traditional financial rails at first, but eventually, the couple moved onto creating apps. WePay’s flexible API is now available for all manner of B2B, B2C, and P2P funding options.

WePay aimed to offer a unique experience in the payment processing market by putting its customers first. However, as you’ll see later in this WePay review, consumers don’t always feel as though they’re getting the best level of service from this provider. Despite this, WePay has a wide variety of unique solutions and capabilities to offer, including:

  • Apple betaal verenigbaarheid
  • Geïntegreerde betalings
  • Android-betaalfunksies
  • Direkte bankoorplasings
  • Rekeningvoorsiening
  • Rapportering op transaksievlak
  • Mobiele verkooppunt en buigsame POS
  • Hoë vlak PCI-nakoming
  • Rekeningvoorsiening
  • Risiko-API
  • Fondse nedersetting
  • Onmiddellike aan boord
  • Pasgemaakte UX
  • Tokenizasie

WePay fooie en pryse

As op jou soektog na die regte betaling verwerking oplossing, you’ve explored WePay before, then you’ll notice that its website isn’t very forthcoming. You’ll struggle to get a lot of information oor die oplossing op die webwerf - wat nogal vreemd lyk, aangesien WePay waarskynlik probeer om homself te verkoop, net soos enige ander sagteware.

WePay doesn’t list any direct pricing information on the website, which means that you’ll need to contact the company in person to make sure that you’re getting a trustworthy quote. Although it’s unusual for no pricing to be available from a software company, it’s not as surprising as it may seem. WePay approaches business as a white-label payment provider, which means that they need to work individubbel met elke vennoot-platform om 'n unieke kwotasie op te stel.

Only once a partnered platform is set up, can the platform begin conveying separate pricing plans to merchants. It all seems pretty complicated, but you’ll get used to it as you go. The white-labeled structure of WePay means that platforms are free to charge virtually whatever they want on top of the rates provided by WePay.

Although we can’t give you much in the way of accurate pricing figures here, due to the lack of information available from WePay, we can tell you what we’ve learned from WePay’s TOS. The Terms of Service share a few basic rates for the software if you don’t decide to negotiate a specific price for your company.

👉 Byvoorbeeld:

  • Terugbetalingsfooie is $ 15
  • Per transaksiefooi is $ 15 plus $ 0.30
  • ACH retoerfooie is $ 15
  • Navorsingsgeld beloop $ 25

Ekstra koste om te oorweeg

Voordat ons voortgaan met die bespreking van die koste van WePay, it’s worth noting that there may be some additional costs to consider too. For instance, WePay comments that they might delivery “pass-through” fees for payment network liabilities to merchants. This means that you could have extra to pay. You’ll also need to think about any advanced features you need that could expand or enhance your costs.

If you’re a merchant and not a platform provider and you want to process payments through one of the partnered platforms with WePay, then you’ll need to go to their websites to find out their pricing. Remember that platforms can add extra fees to the costs that they charge for their services.

Another point to mention is that WePay introduced a new rate of 1% plus an additional $0.30 for ACH payments that are processed through partner platforms a few years ago. The price appears to have remained the same over the last few years, but there’s not a lot of valid information available about this out there. You’ll need to make sure that you know what you need to pay by contacting the team.

WePay-kontrakte en beëindigingsfooie

One of the most significant problems that most merchants have when signing up with payment processors is that they often have to agree to use that processor for a specific period. This means that you’re stuck in an environment that might not be right for you if you make the wrong decision. WePay, on the other hand, is a little bit less likely to hold you to a contract. The company claims that there are no specific requirements when it comes to signing up for services.

The fact that there aren’t any lengthy or difficult to escape contracts involved with WePay is a massive point in the platform’s favor. In most cases, when merchants or platforms want to cancel or get out of a contract early, they end up paying huge fees. However, according to the WePay terms of service, you can cancel your service with WePay at any time without paying any additional termination fees.

Hou in gedagte dat daar 'n paar ingewikkelde voorwaardes by WePay betrokke is as dit kom by sake soos uitbetalingsdrempels en reserwes. Dit is algemene punte van misverstand as dit by baie verwerkers op die mark kom.

Kenmerke vir betalingsverwerking

Baie belangrik, aangesien ons ons oorsig oor WePay features and solutions for payment processing, it’s worth noting that this particular company is targeting the owners of payment platforms, rather than the merchants that use those platforms. With that in mind, you can begin to see the value of what WePay has to offer.

As we noted above, the WePay website is incredibly sparse when it comes to providing descriptions of the various features and products that the company has to offer. The company hasn’t approached their bemarkingstrategie baie goed, want dit lyk asof hulle meer daarop gefokus is om te verduidelik wat hul waarde-aanbod is as om jou aan die voordele van die sagteware bekend te stel.

Wat die verwerking van betalings betref, moet u onthou dat WePay 'n derdeparty-oplossing is Square or Stripe, rather than a traditional provider for modern merchants. According to the FAQ section of the website, the company will only accept and manage payments within the US, as well as a handful of Canadian merchants. That’s something that really should be mentioned in the home pages of the website. Ultimately, it’s annoying to have to search through the content to find out if you can accept the right payments with WePay.

Despite this FAQ section, however, there’s also a merchant agreement available for UK-based merchants on their Terms of Service section, which doesn’t make a lot of sense. Additionally, you can find developer dokumentasie vir Britse handelaars, wat beteken dat óf die maatskappy nou oplossings vir Britse ondernemings bied en dat die res van sy webwerf verouderd is, of dat iets anders verkeerd geloop het.

Ondanks 'n baie verwarrende webwerf, bied WePay alles wat ondernemings nodig het om 'n vinnige en maklike betaaloplossing te bestuur deur middel van 'n API-gebaseerde geïntegreerde verwerkingstrategie. U terugbetalings en veilige betalings word van begin tot einde gedek, met 'n aanpasbare afhandeling om u beter beheer oor gebruikerservaring te gee. U kan ook verskillende metodes van betaling verwerk, soos krediet- en debietkaarte, bankoorplasings en mobiele betalings.

platform vendors also have the option to give their merchants more control with options for weekly, daily, or monthly payments, and there’s a solution to increase conversions with automatic updates for replaced cards.

As a platform, you may also appreciate the knowledge that you’ll be given your own completely self-branded payment solution from WePay. This means that you can create a personalized environment with your unique colors and logos, without having to build the software backend. You will still have the “Powered by WePay” option as part of your set-up, however.

API's en integrasies

wepay-oorsig - integrasies

Een van die dinge waarop WePay die trotsste is vir die aanbieding van sagteware, is die feit dat platformverskaffers soveel opsies het om hul oplossing aan te pas en te verbeter. Die volledige WePay-struktuur is gebaseer op toepassingsprogrammeringsvlakvlakke, of API's, wat beteken dat u 'n omgewing moet skep wat u van nuuts af pas.

According to WePay, the team behind the brand works with every partner to explore the options for customization and development, so that everyone can accomplish the perfect merchant experience. However, we’ll come back to whether you can get the right level of support a little later.

Die goeie nuus is dat die ontwikkelaarsgedeelte van die WePay webwerf is een van die beste en mees informative areas of documentation for the entire WePay brand. If you’re looking for a solution that can be customized according to your preferences, then WePay does seem to have that level of flexibility.

WePay Handelaar Aanboord

Now, remember that WePay is all about supporting the platform providers that help today’s merchants to process payments. That means that it needs to be designed to give merchants a quick and secure merchant onboarding experience. The WePay environment allows users to start accepting payments immediately with just an email address and some basic information. It’s then possible to customize the experience further using Know your Customer informatioon.

Platforms het die opsie om hul aan boordproses op te stel om al die funksies van WePay by te voeg vir eenvoud en gemak. Die Merchant Onboarding-oorsiggedeelte van die webwerf verduidelik dat die vennootplatform namens u nuwe handelaars kan instel. Dit beteken dat daar slegs 'n handvol ekstra verifikasiestappe is om u handelaars aan die gang te kry.

WePay allows today’s platform providers to choose from a range of onboarding options, intended to offer the most frictionless experience for modern merchants. Pre-built iframes are available to add into your onboarding flow, and for more integrated experiences, there are APIs to help you embed payment onboarding into your existing sales plan.

👉 Ander kenmerke sluit in:

  • Aanvaar betalings onmiddellik: Aanvaar betalings vinnig vir u handelaars en pluk die voordele van verhoogde klanttevredenheid en beter betrokkenheid by u platform. U handelaars kan onmiddellik betalings begin aanvaar vanaf die oomblik dat hulle hul e-posadres en naam verstrek om 'n rekening by u te open.
  • Inkomste oor risiko: WePay aims to offer speedier onboarding with their risk platform that has been tailored to the needs of companies who need to manage multiple payers and merchants at once. There’s instant payment acceptance available, and transaction authorization rates are over 98.5%. This means that merchants get paid faster without security issues.
  • Progressiewe onderskrywing: WePay bied ook die vermoë om kliëntetevredenheid te verhoog en betrokkenheid op u platform te verhoog met deurlopende onderskrywing.

WePay Point of Sale Solutions

Een van die mees algemene kenmerke van enige betalingsverwerkingsinstrument of transaksiesagteware is 'n verkoopspuntstelsel. WePay approaches the POS strategy from a unique angle, using SDKs that allow payment processing platforms to connect their software with mobile card readers and other tools. This flexible and granular approach means that no matter what kind of businesses your platform serves, you’ll be able to bied hulle 'n POS aan hulle kan staatmaak.

WePay’s POS strategy is highly mobile-oriented. Their white-label solution allows merchants to use a platform’s app and mobile hardware to collect payments from customers at pop-up winkels, winkels en meer. WePay beweer dat u handelaars met hul POS-oplossing nooit 'n verdiengeleentheid hoef te mis nie, want hulle kan betalings aanvaar wanneer en waar hulle ook al sake doen. Dit sluit in die neem van transaksies by handelskoue, afleweringsterrein en winkelfronte gelyk.

WePay ondersteun ook 'n verskeidenheid kaartlesers as standaard, of dit bied die geleentheid om die sagteware daarvan in u bestaande verkooppunt te integreer. Omdat die hele ervaring wit gemerk is, kan u u kleure en logo op 'n aanpasbare kaartleser vir u gehoor gee.

👉 Ander voordele sluit in:

  • Verkry maklik toegang tot aanlyn- en persoonlike transaksiedata
  • Laat u handelaars vinnig begin met betalings per persoon en aanlyn
  • Laat WePay al u betalingsverwante risiko's en nakoming namens u hanteer
  • Toegang POS oplossings met meer as 100 verskillende Android- en iOS-produkte
  • Aanvaar alle kredietkaarte met gemak met behulp van EMV en magnetiese stripe transaksies
  • Geniet die gemoedsrus om te weet dat alle transaksies verwerk word volgens toonaangewende standaarde.

Bedrogbeskerming en Risikobestuur

Having a feature-rich solution for building your own payment processing solution is great. However, you also need to make sure that the tool you’re using is secure, compliant, and reliable if you want to get the most out of it. WePay strives to provide a highly secure solution for payment processing, with 100% coverage of all payment-related risk.

Wat beteken dit?

Wel, WePay can offer complete insurance if you’re exposed to things like chargebacks and fraud losses. Additionally, the platform also offers compliance with KYC, PCI, and OFAC to help keep customer data safe too.

WePay claims that protecting customer privacy and security is essential to them. You can contact the team if you have any security related issues and they’ll strive to help you out as quickly as possible. What’s more, because WePay is PCI DSS compliant, platform providers can give their merchants some additional peace of mind too. Merchants will know that all of their sensitive data is protected because WePay is regularly audited by an independent party to ensure that no-one can unscrupulously gain access to essential informatioon.

👉 Ander veiligheidsvoordele wat met WePay opgemerk moet word, sluit in:

  • Die sagteware gebruik kriptografiese algoritmes tydens die oordrag van data, en in die bestuur van hul databasisse om in te houformatioon veilig. Alle bedieners is beide PCI- en SSAE16-gesertifiseer.
  • WePay’s team regularly undergoes background checks and immersive security training. Die ontwikkelingspan volg streng riglyne vir OWASP en SDLC.
  • Any money processed through WePay’s software is held in a protected according to with a CDIC-insured, or FDIC-insured provider, to keep funds safe.
  • As security standards continue to transform and change, WePay’s systems evolve with them. This PCI compliant provider continually works to keep its services and systems secure from front to back.
  • WePay ondersoek alle aangemelde kwesbaarhede in hul sagteware en nooi gebruikers om kontak te maak as hulle agterdogtig is.

Customer Service and Support

So, if WePay has so many great features to offer, why doesn’t it have the best reputation in payment management? The simple answer is that the company’s customer service just isn’t up to scratch. Although WePay claims that it offers “Premier Partner Support”, the experience that businesses actually get is often sub-standard.

Op die WePay website, you’ll find claims that the company works alongside all partnered platforms to offer constant support to merchants. WePay has access to crucial data and support records, which means that it should be able to help out with ease. However, the actual quality of the service that you get all depends on how lucky you are.

Whether you’re a customer or merchant, there are no established guidelines in place for how to make the most of WePay’s service. There’s an email ticketing system, although there seems to be no guarantee on when you’ll get a response. Additionally, there are links to support pages for various platforms on the WePay support page, but again, the kind of response you get will all depend on the platform you choose.

The WePay Customer Delight support team is available through from 6 am to 6 pm PST each day, Monday to Friday. However, there’s only email ticket support available. Although live chat was offered at one point, it’s no longer there today. Additionally, WePay has removed it supports phone number, which is a little worrying for most companies.

As jy belangstel om jou eie probleme met die WePay-kennissentrum op te los, dan kan jy toegang kry tot 'n handvol witskrifte en gidse wat basiese information on using payment processing systems in general. However, there aren’t a lot of direct insights into how you can successfully use WePay daily.

The Customer Service from WePay is so basic and limited that we were surprised to learn that it had once won a Stevie Award in 2017. Honestly, there’s barely enough information op die WePay-webwerf om jou te vertel wat jy moet weet om 'n ingeligte belegging in die sagteware te maak. Wat kliëntediens betref, lyk dit of jy meestal op jou eie gelaat word om dinge vir jouself uit te vind.

The only major plus side to the customer service and support from WePay is the fact that if you decide that you’ve had enough of the software, you can easily cancel your service whenever you like with absolutely no early termination fees at all.

WePay Voor- en Nadele

WePay-voordele

Dit is belangrik dat WePay probleme het om te oorkom as ons een van die beste betalingsoplossings wil word, maar dit kan ook voordele lewer. Op die WePay-webwerf kan u selfs video-getuigskrifte vind van vennote en kliënte wat met die WePay-platform sukses behaal het.

👉 Hierdie resensies bespreek dinge soos:

  • Maklike aanboord-prosesse vir handelaars
  • Verhoogde handelsmerkerigheid vir langtermynplatformsukses
  • Algemene besighede val op met witbetalings
  • Beheer en aanpassing van die gebruikerservaring
  • Nisbegrip van platformbehoeftes
  • Voordele van ongelooflike sekuriteit en bedrogbestuur

There’s plenty of positive feedback to consider from merchants and payment providers who appreciate the WePay platform. For instance, many reviews suggest that the integration features of WePay is baie indrukwekkend. Hierdie instrumente maak dit makliker om WePay met gevestigde platforms te integreer vir 'n eenvoudiger ervaring tot einde.

Verder het handelaars op sommige platforms gesê dat hulle toegang tot laer verwerkingskoerse by WePay kon kry as by ander betalingsverskaffers. Daarbenewens bied WePay die voordeel van 'n eenvoudige en intuïtiewe afrekenproses, wat uitstekend is vir die eindgebruiker wat 'n vinnige manier het om betalings te bestuur en te aanvaar.

WePay nadele

Ondanks 'n ietwat sub-standaard benadering tot klantediens en ondersteuning, WePay handhaaf 'n betreklik indrukwekkende A + -gradering by die Better Business Bureau. Natuurlik was daar 'n handjievol klagtes van kliënte wat hierdie diens gebruik. As dit kom by die hantering van klagtes, WePay het 'n koers van 25% om probleme op te los op 'n manier wat hul kliënte bevredig.

Of course, this rate only applies to the Better Business Bureau complaints. If you look online through Google, you’ll find plenty of other issues that WePay has failed to resolve on other parts of the internet.

👉 Here are some of the most common problems that customers have when they’re using WePay:

  • Bevrore rekeninge of beëindigings: Although it’s easy to get approved transactions flowing through WePay, customers regularly complain that accounts are subsequently terminated or frozen. Merchants often have trouble with the complex restrictions that WePay has around the business types that are supported by the platform. There can also be issues with refunding payments to donors and customers.
  • Teruggehoue ​​fondse: Behalwe die beëindiging van rekeninge, kla sommige WePay-gebruikers ook dat beleggings wat verband hou met hoërisiko-transaksies soms tot die kansellasie van die rekening kan lei. Dispute oor reserwerekeninge op WePay kan ook van tyd tot tyd opduik. Verskeie handelaars het onvoldoende en vertraagde verduidelikings vir onnodige houvas en beëindigings gerapporteer.
  • Lang verwerkingstye: Sommige gebruikers sê dat dit tussen 2 en 5 dae kan neem om fondse te ontvang. Dit beteken dat dit baie lank neem om mense die geld te kry wat hulle benodig.

While it’s fair to say that all payment processors can struggle with stability issues from time to time, WePay does have a few more complaints than some platform providers will feel comfortable with. On the plus side, you can always learn more about how to avoid holds, terminations, and freezes going forward, to boost your chances of success.

WePay Alternatiewe

If WePay doesn’t seem like the right solution for your company, don’t panic.

Daar is talle alternatiewe opsies beskikbaar vir betaling, insluitend:

Square Betalings

Square is 'n opsie vir direkte betalingsverwerking vir handelaars. As u 'n firma vir baksteen en mortel het, of as u betalings gereeld persoonlik wil verwerk, dan Square is die noodsaaklike manier om u kanse op sukses op te gradeer. Square kom met heelwat hardeware-opsies op die verkooppunt om aan die gang te kom, sowel as sagteware waarmee u kontant, tjeks, geskenkkaarte en meer kan aanvaar.

Square even processes payments in real-time when you don’t have an internet connection. That’s great for when you’re dealing with transactions at festivals or market stalls.

👉 Lees ons Square resensies.

👍 Voors

  • Baie POS-opsies
  • Uitstekende hardeware en sagteware
  • Bou die POS-ervaring wat u pas

👎 Nadele

  • Sommige probleme met klantediens en transaksie hou
  • Nie ideaal vir Aanlyn besighede

Skrill

Skrill is nog 'n handelaar-gefokusde sagteware wat gebruikers toelaat om geld te stuur en te ontvang, bankrekeninge te koppel, kaarte te stoor, en meer. Al wat jy nodig het om met hierdie diens te begin, is 'n gratis rekening wat jou e-posadres en 'n wagwoord gebruik. Skrill-beursiehouers het ook toegang tot lae fooie van slegs 1.45%, wat beteken dat jy meer van die geld wat jy verdien, kan behou.

Available for both business and personal use, Skrill is excellent for managing payments in a range of different environments. You’ll even be able to access global support across more than 30 countries.

👉 Lees ons Skrill-oorsig.

👍 Voors

  • Uitstekende tariewe en pryse
  • Fantasties vir persoonlike en sakegebruik
  • Maklik om te gebruik

👎 Nadele

  • Nie so gevorderd soos ander instrumente nie
  • Nie soveel API- en integrasie-opsies nie

Stripe

Stripe is one of WePay’s biggest competitors in the current marketplace, alongside PayPal. If you’re running an internet-focused business, then Stripe is 'n uitstekende oplossing, veral vir diegene wat op soek is na 'n manier om hul betaalplatform te verbeter. Stripe is 'n ontwikkelaar-eerste gemeenskap wat glo dat betalings altyd makliker bestuur kan word as jy die regte kode het.

Stripe offers a unique API solution that ensures that you can have your payment systems up and running within a matter of minutes. What’s more, the transaction prices of Stripe is baie redelik, teen ongeveer 2.9% plus 30 sent vir elke transaksie.

👉 Lees ons Stripe hersien.

👍 Voors

  • Groot vir internetondernemings
  • Ontwikkelaar-eerste benadering met gevorderde API
  • Verskeidenheid integrasies met POS-hardeware

👎 Nadele

  • Nie vir beginners of diegene sonder kennis van kodering nie

WePay Review: uitspraak

As 'n derdeparty-oplossing vir betalingsverwerking, het WePay nog altyd hard gewerk om sy eie nis te vestig onder name soos Stripe en PayPal. Ten spyte van baie intense mededinging om markaandeel in die huidige mark, het WePay daarin geslaag om uit die skare te staan ​​deur platforms te teiken, eerder as handelaars direk.

WePay has a lot of benefits to offer when it comes to things like customized form building and security. However, it has its downsides too, which include things like issues with transaction holds and account freezing. Additionally, it’s fair to say that customers will have a hard time learning much at all about WePay from its website alone.

If you’re not sure whether WePay is right for you, the only real way to get an answer is to test it for yourself. While some people love this payment processing solution, others aren’t so sure.

Rebekka Carter

Rebekah Carter is 'n ervare inhoudskepper, nuusverslaggewer en blogger wat spesialiseer in bemarking, sake-ontwikkeling en tegnologie. Haar kundigheid dek alles van kunsmatige intelligensie tot sagteware vir e-posbemarking en toestelle vir uitgebreide werklikheid. As sy nie skryf nie, bestee Rebekah die meeste van haar tyd aan die lees, om die buitelewe te ontdek en te speel.

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