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7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Web Design & Hosting</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/advisor/business/"> Web Design & Hosting </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-website-builders/"> Best Website Builders </a> <a class="xl-hover-underline" href="/advisor/business/software/best-ecommerce-platform/"> Best E-commerce Platforms </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-blogging-platforms/"> Best Blogging Platforms </a> <a class="xl-hover-underline" 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Create A Business Email </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/how-much-does-a-website-cost/"> How Much Does A Website Cost? </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/website-hosting-cost/"> Web Hosting Cost </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Reviews <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/weebly-review/"> Weebly Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/godaddy-web-hosting/"> GoDaddy Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/ionos-review/"> IONOS Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/squarespace-review/"> Squarespace Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/hostgator-review/"> HostGator Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/wix-review/"> Wix Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/shopify-review/"> Shopify Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/hostinger-review/"> Hostinger Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/wordpress-review/"> WordPress Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/duda-review/"> Duda Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-3" class="wp-menu-item"> <a href="https://forbes.com/advisor/business/"> <div class="main-menu-wrap"> Payment Processing </div> </a> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> 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1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Payment Processing</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://forbes.com/advisor/business/"> Payment Processing </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-credit-card-processing-companies/"> Best Credit Card Processing Companies </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-merchant-account-services/"> Best Merchant Account Services </a> <a class="xl-hover-underline" 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Processing </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/accept-credit-card-payments-cheap/"> Cheap Credit Card Processing Services </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Guides <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-to-accept-credit-card-payments/"> How To Accept Credit Card Payments </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/accept-online-payments/"> How To Accept Online Payments </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/accept-ach-payments/"> How To Accept ACH Payments </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-accept-apple-pay/"> How To Accept Apple Pay </a> <a class="xl-hover-underline" 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href="https://www.forbes.com/advisor/business/software/best-payment-gateways/%20https://www.forbes.com/advisor/business/software/best-ach-payment-processing/%20https://www.forbes.com/advisor/business/accept-credit-card-payments-cheap/%20%20https://www.forbes.com/advisor/business/how-to-accept-credit-card-payments/%20https://www.forbes.com/advisor/business/software/accept-online-payments/%20https://www.forbes.com/advisor/business/accept-ach-payments/%20https://www.forbes.com/advisor/business/how-accept-apple-pay/%20https://www.forbes.com/advisor/business/credit-card-processing-fees/%20https://www.forbes.com/advisor/business/what-is-convenience-fee/%20%20https://www.forbes.com/advisor/business/software/square-review/%20https://www.forbes.com/advisor/business/toast-pos-review/"> Clover POS Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/clover-pos-review/"> Toast POS Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/touchbistro-review/"> TouchBistro Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/lightspeed-pos-review/"> Lightspeed POS Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/stripe-review/"> Stripe Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/stax-review/"> Stax Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/paypal-review/"> PayPal Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/payment-depot-review/"> Payment Depot Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/helcim-review/"> Helcim Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-4" class="wp-menu-item"> <a href="https://forbes.com/advisor/business/"> <div 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1.09386 7.77212 1.19466C7.81387 1.29546 7.83536 1.4035 7.83536 1.51261C7.83536 1.62172 7.81387 1.72976 7.77212 1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>VoIP & Communication</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://forbes.com/advisor/business/"> VoIP & Communication </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-voip-service/"> Best VoIP Services </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/services/best-cheap-voip-services/"> Best Cheap VoIP Services </a> <a class="xl-hover-underline" 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href="https://www.forbes.com/advisor/business/software/best-online-fax-services/"> Best Online Fax Services </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Guides <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/services/free-business-phone-number/"> How to Get a Free Business Phone Number </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/what-voip/"> What Is VoIP? </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/how-to-set-up-voip-system/"> How To Set Up VoIP </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-to-send-fax/"> How To Send A Fax </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/get-a-toll-free-number/"> How To Get A Toll-Free Number </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-to-port-phone-number/"> How To Port A Phone Number </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Reviews <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/google-voice-review/"> Google Voice Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/ringcentral-review/"> RingCentral Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/dialpad-review/"> Dialpad Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/intermedia-unite-review/"> Intermedia Unite Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/nextiva-review/"> Nextiva Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/grasshopper-review/"> Grasshopper Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/zoom-review/"> Zoom Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/8x8-review/"> 8x8 Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/aircall-review/"> Aircall Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/ooma-office-review/"> Ooma Office Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-5" class="wp-menu-item"> <a href="https://www.forbes.com/advisor/business/"> <div class="main-menu-wrap"> Project Management </div> </a> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <span class="back-arrow cursor-pointer"> <svg width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http:www.w3.org/2000/svg"> <path d="M12.8337 7.83345H3.52534L7.59201 11.9001C7.91701 12.2251 7.91701 12.7584 7.59201 13.0834C7.51492 13.1607 7.42334 13.222 7.32253 13.2638C7.22172 13.3056 7.11365 13.3271 7.00451 13.3271C6.89537 13.3271 6.7873 13.3056 6.68649 13.2638C6.58568 13.222 6.49411 13.1607 6.41701 13.0834L0.925344 7.59178C0.848091 7.51468 0.786802 7.42311 0.744984 7.3223C0.703166 7.22149 0.681641 7.11342 0.681641 7.00428C0.681641 6.89514 0.703166 6.78707 0.744984 6.68626C0.786802 6.58545 0.848091 6.49387 0.925344 6.41678L6.41701 0.925112C6.49416 0.84796 6.58575 0.786761 6.68656 0.745008C6.78736 0.703253 6.8954 0.681763 7.00451 0.681763C7.11362 0.681763 7.22166 0.703253 7.32246 0.745008C7.42327 0.786761 7.51486 0.84796 7.59201 0.925112C7.66916 1.00226 7.73036 1.09386 7.77212 1.19466C7.81387 1.29546 7.83536 1.4035 7.83536 1.51261C7.83536 1.62172 7.81387 1.72976 7.77212 1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Project Management</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/advisor/business/"> Project Management </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-project-management-software/"> Best Project Management Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/free-project-management-software/"> Best Free Project Management Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-task-management-software/"> Best Task Management Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-gantt-chart-software/"> Best Gantt Chart Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-kanban-software/"> Best Kanban Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-construction-project-management-software/"> Best Construction Project Management Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-marketing-project-management-software/"> Best Marketing Project Management Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-enterprise-project-management-software/"> Best Enterprise Project Management Software </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Guides <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/what-is-project-management/"> What is Project Management? </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/project-management-methodologies/"> Project Management Methodologies </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/what-is-a-gantt-chart/"> Gantt Chart </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/what-is-kanban-board/"> Kanban Board </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/raci-chart/"> RACI Chart </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/smart-goals/"> S.M.A.R.T. Goals </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/what-is-work-breakdown-structure/"> Work Breakdown Structure (WBS) </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/project-plan-template/"> Free Project Plan Template </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/create-a-project-timeline/"> How To Create A Project Timeline </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Reviews <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/clickup-review/"> ClickUp Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/mondaycom-review/"> Monday.com Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/asana-review/"> Asana Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/smartsheet-review/"> Smartsheet Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/notion-review/"> Notion Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/teamwork-review/"> Teamwork Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/wrike-review/"> Wrike Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/jira-review/"> Jira Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/airtable-review/"> Airtable Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/trello-review/"> Trello Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-6" class="wp-menu-item"> <a href="https://www.forbes.com/advisor/business/"> <div class="main-menu-wrap"> Privacy & Security </div> </a> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <span class="back-arrow cursor-pointer"> <svg width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http:www.w3.org/2000/svg"> <path d="M12.8337 7.83345H3.52534L7.59201 11.9001C7.91701 12.2251 7.91701 12.7584 7.59201 13.0834C7.51492 13.1607 7.42334 13.222 7.32253 13.2638C7.22172 13.3056 7.11365 13.3271 7.00451 13.3271C6.89537 13.3271 6.7873 13.3056 6.68649 13.2638C6.58568 13.222 6.49411 13.1607 6.41701 13.0834L0.925344 7.59178C0.848091 7.51468 0.786802 7.42311 0.744984 7.3223C0.703166 7.22149 0.681641 7.11342 0.681641 7.00428C0.681641 6.89514 0.703166 6.78707 0.744984 6.68626C0.786802 6.58545 0.848091 6.49387 0.925344 6.41678L6.41701 0.925112C6.49416 0.84796 6.58575 0.786761 6.68656 0.745008C6.78736 0.703253 6.8954 0.681763 7.00451 0.681763C7.11362 0.681763 7.22166 0.703253 7.32246 0.745008C7.42327 0.786761 7.51486 0.84796 7.59201 0.925112C7.66916 1.00226 7.73036 1.09386 7.77212 1.19466C7.81387 1.29546 7.83536 1.4035 7.83536 1.51261C7.83536 1.62172 7.81387 1.72976 7.77212 1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Privacy & Security</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/advisor/business/"> Privacy & Security </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-vpn/"> Best VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-antivirus-software/"> Best Antivirus Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-password-managers/"> Best Password Managers </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-free-vpn/"> Best Free VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-cheap-vpn/"> Best Cheap VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-vpn-for-iphone/"> Best iPhone VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-vpn-for-android/"> Best Android VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-business-vpn/"> Best Business VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-vpn-gaming/"> Best Gaming VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-netflix-vpn/"> Best Netflix VPN </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Guides <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/how-to-set-up-a-vpn/"> How To Set Up A VPN </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/vpn-cost/"> VPN Cost Guide </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/internet-safety/"> Internet Safety Guide </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/are-vpns-legal/"> Are VPNs Legal? </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/how-to-change-ip-address/"> How To Change Your IP Address </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-hide-ip-address/"> How To Hide Your IP Address </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-share-password/"> How To Share A Password </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Reviews <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/nordvpn-review/"> NordVPN Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/torguard-review/"> TorGuard VPN Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/tunnelbear-vpn/"> TunnelBear Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/private-internet-access-vpn-review/"> Private Internet Access Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/hideme-review/"> hide.me Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/surfshark-vpn-review/"> Surfshark Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/keepsolid-vpn-unlimited-review/"> VPN Unlimited Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/expressvpn-review/"> ExpressVPN Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/cyberghost-vpn-review/"> CyberGhost VPN Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-7" class="wp-menu-item"> <a href="https://forbes.com/advisor/business/"> <div class="main-menu-wrap"> CRM </div> </a> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <span class="back-arrow cursor-pointer"> <svg width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http:www.w3.org/2000/svg"> <path d="M12.8337 7.83345H3.52534L7.59201 11.9001C7.91701 12.2251 7.91701 12.7584 7.59201 13.0834C7.51492 13.1607 7.42334 13.222 7.32253 13.2638C7.22172 13.3056 7.11365 13.3271 7.00451 13.3271C6.89537 13.3271 6.7873 13.3056 6.68649 13.2638C6.58568 13.222 6.49411 13.1607 6.41701 13.0834L0.925344 7.59178C0.848091 7.51468 0.786802 7.42311 0.744984 7.3223C0.703166 7.22149 0.681641 7.11342 0.681641 7.00428C0.681641 6.89514 0.703166 6.78707 0.744984 6.68626C0.786802 6.58545 0.848091 6.49387 0.925344 6.41678L6.41701 0.925112C6.49416 0.84796 6.58575 0.786761 6.68656 0.745008C6.78736 0.703253 6.8954 0.681763 7.00451 0.681763C7.11362 0.681763 7.22166 0.703253 7.32246 0.745008C7.42327 0.786761 7.51486 0.84796 7.59201 0.925112C7.66916 1.00226 7.73036 1.09386 7.77212 1.19466C7.81387 1.29546 7.83536 1.4035 7.83536 1.51261C7.83536 1.62172 7.81387 1.72976 7.77212 1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>CRM</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://forbes.com/advisor/business/"> CRM </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-crm-software/"> Best CRM Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-crm-small-business/"> Best CRM For Small Business </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-contact-center-crm/"> Best Contact Center CRM </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-real-estate-crm/"> Best CRM For Real Estate </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-marketing-crm/"> Best Marketing CRM </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-crm-financial-advisors/"> Best CRM For Financial Advisors </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-open-source-crm/"> Best Open Source CRM </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-free-crms/"> Best Free CRM </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Guides <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/crm-pricing/"> CRM Pricing Guide </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/crm-pricing/"> CRM Pricing Guide </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/crm-implementation/"> CRM Implementation </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/crm-automation/"> CRM Automation </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/what-is-crm-integration/"> CRM Integrations </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/customer-onboarding/"> Customer Onboarding </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/customer-segmentation/"> Customer Segmentation </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/customer-engagement/"> Customer Engagement </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/customer-lifecycle-management/"> Customer Lifecycle Management </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/customer-retention-strategies/"> Customer Retention Strategies </a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper "> <div class="accordian-title sub-menu-title"> Reviews <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer hidden"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/zoho-crm-review/"> Zoho CRM Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/salesforce-review/"> Salesforce Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/mondaycom-review/"> Monday.com Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/hubspot-crm-review/"> HubSpot Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/bitrix24-review/"> Bitrix24 Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/honeybook-review/"> HoneyBook Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/zendesk-sell-review/"> Zendesk Sell Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/pipedrive-review/"> Pipedrive Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/freshsales-review/"> Freshsales Review </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/insightly-review/"> Insightly Review </a> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-8" class="wp-menu-item"> <a href="https://forbes.com/advisor/business/"> <div class="main-menu-wrap"> Accounting, Billing & Invoicing </div> </a> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <span class="back-arrow cursor-pointer"> <svg width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http:www.w3.org/2000/svg"> <path d="M12.8337 7.83345H3.52534L7.59201 11.9001C7.91701 12.2251 7.91701 12.7584 7.59201 13.0834C7.51492 13.1607 7.42334 13.222 7.32253 13.2638C7.22172 13.3056 7.11365 13.3271 7.00451 13.3271C6.89537 13.3271 6.7873 13.3056 6.68649 13.2638C6.58568 13.222 6.49411 13.1607 6.41701 13.0834L0.925344 7.59178C0.848091 7.51468 0.786802 7.42311 0.744984 7.3223C0.703166 7.22149 0.681641 7.11342 0.681641 7.00428C0.681641 6.89514 0.703166 6.78707 0.744984 6.68626C0.786802 6.58545 0.848091 6.49387 0.925344 6.41678L6.41701 0.925112C6.49416 0.84796 6.58575 0.786761 6.68656 0.745008C6.78736 0.703253 6.8954 0.681763 7.00451 0.681763C7.11362 0.681763 7.22166 0.703253 7.32246 0.745008C7.42327 0.786761 7.51486 0.84796 7.59201 0.925112C7.66916 1.00226 7.73036 1.09386 7.77212 1.19466C7.81387 1.29546 7.83536 1.4035 7.83536 1.51261C7.83536 1.62172 7.81387 1.72976 7.77212 1.83057C7.73036 1.93137 7.66916 2.02296 7.59201 2.10011L3.52534 6.16678H12.8337C13.292 6.16678 13.667 6.54178 13.667 7.00011C13.667 7.45845 13.292 7.83345 12.8337 7.83345Z" fill="white"/> </svg> </span> <span>Accounting, Billing & Invoicing</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://forbes.com/advisor/business/"> Accounting, Billing & Invoicing </a> </li> <li class="sub-menu-item"> <div class="accordian-wrapper active "> <div class="accordian-title sub-menu-title"> Best Ofs <span class="chevron-arrow"></span> </div> <div class="accordian-menu answer "> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-accounting-software/"> Best Accounting Software For Small Business </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-invoicing-software/"> Best Invoicing Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-online-bookkeeping-services/"> Best Online Bookkeeping Services </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-business-expense-tracker-apps/"> Best Business Expense Tracker Apps </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-cloud-accounting-software/"> Best Cloud Accounting Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-construction-accounting-software/"> Best Construction Accounting Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-real-estate-accounting-software/"> Best Real Estate Accounting Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-accounting-software-nonprofits/"> Best Nonprofit Accounting Software </a> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-accounting-software-mac/"> Best Mac Accounting Software </a> </div> </div> </li> <li class="sub-menu-item"> <div 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.author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:210px}}@media screen and (min-width:821px) and (min-width:1024px){.author-wrap.total_author_2 .author_right_container,.author-wrap.total_author_2 .author_with-badge-details{min-width:240px}}#authorBylineModalContainer,.hover-bio-wrapper{display:none} </style><div class="author-wrap total_author_3"><div class="authors-container"><div class="author_container primary-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/krista-fabregas/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Krista-Fabregas_CBheadshot-88x88.jpeg" alt="Krista Fabregas" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Krista-Fabregas_CBheadshot-88x88.jpeg" alt="Krista Fabregas" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'>Krista Fabregas</a><span class="author-role">Forbes Advisor Staff</span></div></div><div class="middle-content">Krista Fabregas is a seasoned eCommerce and online content pro sharing more than 20 years of hands-on know-how with those looking to launch and grow tech-forward businesses. Her expertise includes eCommerce startups and growth, SMB operations and log...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Krista-Fabregas_CBheadshot-88x88.jpeg" alt="Krista Fabregas" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'>Krista Fabregas</a><span class="author-role">Forbes Advisor Staff</span></div></div><div class="middle-content">Krista Fabregas is a seasoned eCommerce and online content pro sharing more than 20 years of hands-on know-how with those looking to launch and grow tech-forward businesses. Her expertise includes eCommerce startups and growth, SMB operations and log...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/krista-fabregas/" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}' target="_blank">Krista Fabregas </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Krista-Fabregas_CBheadshot-88x88.jpeg" alt="Krista Fabregas" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'>Krista Fabregas</a><span class="author-role">Forbes Advisor Staff</span></div></div><div class="middle-content">Krista Fabregas is a seasoned eCommerce and online content pro sharing more than 20 years of hands-on know-how with those looking to launch and grow tech-forward businesses. Her expertise includes eCommerce startups and growth, SMB operations and log...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/04/Krista-Fabregas_CBheadshot-88x88.jpeg" alt="Krista Fabregas" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"Krista Fabregas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'>Krista Fabregas</a><span class="author-role">Forbes Advisor Staff</span></div></div><div class="middle-content">Krista Fabregas is a seasoned eCommerce and online content pro sharing more than 20 years of hands-on know-how with those looking to launch and grow tech-forward businesses. Her expertise includes eCommerce startups and growth, SMB operations and log...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/krista-fabregas/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/krista-fabregas\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Forbes Advisor Staff </div></div></div></div><div class="author_container hide-in-mobile secondary-author co-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cbottorff/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}' target="_blank"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="25" height="25" alt="Cassie Bottorff" class="avatar avatar-25 wp-user-avatar wp-user-avatar-25 alignnone photo" /></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="64" height="64" alt="Cassie Bottorff" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'>Cassie Bottorff</a><span class="author-role">Former Deputy Editor</span></div></div><div class="middle-content">Cassie is a former deputy editor who collaborated with teams around the world while living in the beautiful hills of Kentucky. Focusing on bringing growth to small businesses, she is passionate about economic development and has held positions on the...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassie-bottorff\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="64" height="64" alt="Cassie Bottorff" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'>Cassie Bottorff</a><span class="author-role">Former Deputy Editor</span></div></div><div class="middle-content">Cassie is a former deputy editor who collaborated with teams around the world while living in the beautiful hills of Kentucky. Focusing on bringing growth to small businesses, she is passionate about economic development and has held positions on the...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassie-bottorff\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/cbottorff/" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}' target="_blank">Cassie Bottorff </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="64" height="64" alt="Cassie Bottorff" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'>Cassie Bottorff</a><span class="author-role">Former Deputy Editor</span></div></div><div class="middle-content">Cassie is a former deputy editor who collaborated with teams around the world while living in the beautiful hills of Kentucky. Focusing on bringing growth to small businesses, she is passionate about economic development and has held positions on the...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassie-bottorff\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="64" height="64" alt="Cassie Bottorff" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'>Cassie Bottorff</a><span class="author-role">Former Deputy Editor</span></div></div><div class="middle-content">Cassie is a former deputy editor who collaborated with teams around the world while living in the beautiful hills of Kentucky. Focusing on bringing growth to small businesses, she is passionate about economic development and has held positions on the...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassie-bottorff\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Former Deputy Editor </div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/rob-watts/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/TDGSJ6TJN-U01VAA1T9V2-994568725d83-512-88x88.jpg" alt="Rob Watts" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/TDGSJ6TJN-U01VAA1T9V2-994568725d83-512-88x88.jpg' alt='Rob Watts' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'>Rob Watts</a><span class="author-role">Former Managing Editor, SMB</span></div></div><div class="middle-content">With over a decade of editorial experience, Rob Watts breaks down complex topics for small businesses that want to grow and succeed. His work has been featured in outlets such as Keypoint Intelligence, FitSmallBusiness and PCMag.</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/TDGSJ6TJN-U01VAA1T9V2-994568725d83-512-88x88.jpg' alt='Rob Watts' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'>Rob Watts</a><span class="author-role">Former Managing Editor, SMB</span></div></div><div class="middle-content">With over a decade of editorial experience, Rob Watts breaks down complex topics for small businesses that want to grow and succeed. His work has been featured in outlets such as Keypoint Intelligence, FitSmallBusiness and PCMag.</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"></ul></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/rob-watts/" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Rob Watts</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/TDGSJ6TJN-U01VAA1T9V2-994568725d83-512-88x88.jpg' alt='Rob Watts' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'>Rob Watts</a><span class="author-role">Former Managing Editor, SMB</span></div></div><div class="middle-content">With over a decade of editorial experience, Rob Watts breaks down complex topics for small businesses that want to grow and succeed. His work has been featured in outlets such as Keypoint Intelligence, FitSmallBusiness and PCMag.</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/05/TDGSJ6TJN-U01VAA1T9V2-994568725d83-512-88x88.jpg' alt='Rob Watts' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"Rob Watts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'>Rob Watts</a><span class="author-role">Former Managing Editor, SMB</span></div></div><div class="middle-content">With over a decade of editorial experience, Rob Watts breaks down complex topics for small businesses that want to grow and succeed. His work has been featured in outlets such as Keypoint Intelligence, FitSmallBusiness and PCMag.</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rob-watts/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rob-watts\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"></ul></div></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><span class="designation"><span class="badge-wrapper"><svg class="badge-icon-svg" width="17" height="17" viewBox="0 0 17 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M15.5372 8.50019C15.5372 12.3866 12.3866 15.5372 8.50019 15.5372C4.61377 15.5372 1.4632 12.3866 1.4632 8.50019C1.4632 4.61377 4.61377 1.4632 8.50019 1.4632C12.3866 1.4632 15.5372 4.61377 15.5372 8.50019Z" fill="#4657A1" stroke="white" stroke-width="0.708629" stroke-linecap="square"/><path d="M7.39111 7.39136H11.5255C12.0231 7.39136 12.3629 7.89462 12.1769 8.35616L11.2533 10.6478C11.1462 10.9135 10.8884 11.0875 10.6019 11.0875H7.39111V7.39136Z" fill="white"/><path d="M8.52948 5.26271C8.5741 5.06519 8.77043 4.94126 8.96796 4.98591C9.65932 5.14215 10.0931 5.82926 9.9369 6.52062L9.44575 8.69376L7.39111 7.39161C7.8426 7.21342 8.17673 6.82355 8.28373 6.35015L8.52948 5.26271Z" fill="white"/><path d="M6.60298 7.39136H5.22309C4.99174 7.39136 4.8042 7.5789 4.8042 7.81025V10.6686C4.8042 10.8999 4.99174 11.0875 5.22309 11.0875H6.60298C6.83433 11.0875 7.02188 10.8999 7.02188 10.6686V7.81025C7.02188 7.5789 6.83433 7.39136 6.60298 7.39136Z" fill="white"/></svg><p class="badge-text">Reviewed</p></span><span class="badge-pipe">|</span>Former Managing Editor, SMB </span></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 2 others</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"><p class="article-date">Updated: Jun 2, 2024, 3:10pm</p></div> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-mktp-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-mktp-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F&text=What+Is+A+Payment+Service+Provider+%28PSP%29%3F" class="article-social-sharing__link article-social-sharing__link--twitter" data-mktp-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F&text=What+Is+A+Payment+Service+Provider+%28PSP%29%3F","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F&title=What+Is+A+Payment+Service+Provider+%28PSP%29%3F" class="article-social-sharing__link article-social-sharing__link--linkedin" data-mktp-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbusiness%2Fpayment-service-provider%2F&title=What+Is+A+Payment+Service+Provider+%28PSP%29%3F","clickType":"external"}'></span> </div> <div class="featured-img"> <img decoding="async" fetchpriority="high" srcset="https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Payment_Service_Provider_-_article_image.jpg 1290w, https://thumbor.forbes.com/thumbor/fit-in/960x/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Payment_Service_Provider_-_article_image.jpg 960w, https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Payment_Service_Provider_-_article_image.jpg 600w" src="https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2022/08/Payment_Service_Provider_-_article_image.jpg" alt="What Is A Payment Service Provider (PSP)?" height="145px" width="100%"> <span class="media-credit">Getty</span> </div> <div class="toc" data-mktp-container='{"componentTitle":"Table Of Contents Section","componentType":"Table Of Contents Block"}'> <div class="toc__wrap hide-show-more"> <h2 class="toc__title">Table of Contents</h2> <div class="toc__inner-wrap"> <ul id="toc__section"> <li><a href="#how_payment_service_providers_work_section" data-mktp-misc-click='{"clickText":"How Payment Service Providers Work","clickType":"Jump Link","referenceText":""}'>How Payment Service Providers Work</a></li> <li><a href="#how_a_psp_benefits_your_business_section" data-mktp-misc-click='{"clickText":"How a PSP Benefits Your Business","clickType":"Jump Link","referenceText":""}'>How a PSP Benefits Your Business</a></li> <li><a href="#other_payment_processing_options_section" data-mktp-misc-click='{"clickText":"Other Payment Processing Options","clickType":"Jump Link","referenceText":""}'>Other Payment Processing Options</a></li> <li><a href="#when_to_use_an_alternative_to_psps_section" data-mktp-misc-click='{"clickText":"When To Use an Alternative To PSPs","clickType":"Jump Link","referenceText":""}'>When To Use an Alternative To PSPs</a></li> <li><a href="#bottom_line_section" data-mktp-misc-click='{"clickText":"Bottom Line","clickType":"Jump Link","referenceText":""}'>Bottom Line</a></li> <li><a href="#frequently_asked_questions_faqs_section" data-mktp-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":""}'>Frequently Asked Questions (FAQs)</a></li> </ul> <div class="toc__fade"></div> </div> <div class="toc__show-more"><span>Show more</span> </div> <div class="toc__toggle-icon toggleClosed"></div> </div> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p>Payment services providers (PSPs) let startups and small businesses accept a full range of payments anywhere they sell, including in-store, online and mobile locations. PSPs support credit and debit cards, e-wallets, such as Apple Pay, automatic clearing house (ACH) bank transfers and various payment apps. Most offer immediate account approval, low or no monthly costs, economical flat-rate processing fees, plus provide sellers with seamlessly integrated point-of-sale (POS) software, card readers and online checkouts.</p> <style>/*! purgecss start ignore */.tns-outer{padding:0!important}.tns-outer [hidden]{display:none!important}.tns-outer [aria-controls],.tns-outer [data-action]{cursor:pointer}.tns-slider{transition:all 0s}.tns-slider>.tns-item{box-sizing:border-box}.tns-horizontal.tns-subpixel{white-space:nowrap}.tns-horizontal.tns-subpixel>.tns-item{display:inline-block;vertical-align:top;white-space:normal}.tns-horizontal.tns-no-subpixel:after{clear:both;content:"";display:table}.tns-horizontal.tns-no-subpixel>.tns-item{float:left}.tns-horizontal.tns-carousel.tns-no-subpixel>.tns-item{margin-right:-100%}.tns-gallery,.tns-no-calc{left:0;position:relative}.tns-gallery{min-height:1px}.tns-gallery>.tns-item{left:-100%;position:absolute;transition:transform 0s,opacity 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.featured-partners-container{padding-top:8px}#featured-partners.with-fp-disclosure-icon .fp-wrapper .fp-slider-controls .next.right-gradient,#featured-partners.with-fp-disclosure-icon .fp-wrapper .fp-slider-controls .prev.left-gradient{margin-top:31px}#featured-partners.with-fp-disclosure-icon.multi-featured-products .featured-partners-container{padding-top:8px}p:has(style){display:none;margin:0} /*! purgecss start ignore */.full-width-featured-partners #featured-partners .fp-full-width .featured-partners-card:not(.tns-item){flex-basis:25%;flex-shrink:0}#featured-partners .fp-half-width .featured-partners-card:not(.tns-item){flex-basis:33.3333333333%;flex-shrink:0} /*! purgecss end ignore */</style><div id="featured-partners" class="multi-featured-products count-3 with-fp-disclosure-icon " data-mktp-container='{"componentTitle":"Featured Partners","componentType":"Featured Partners Global Widget ShortCode"}'><p class="featured-partners-heading">Featured Partners</p><div class="fp-wrapper " data-mktp-list='{"listName":"Featured Partners Global Widgets","productsOnPage":"3","appliedFilters":"","pageNumber":1}'><div class="featured-partner-wrapper"><div class="fp-disclosure-text">Advertisement</div><div class="fp-disclosure-icon-wrapper pointer tooltip-tippy-fp" title="We receive compensation from our partners for Featured Offer placements. This compensation impacts how and where their product or service is displayed but in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice." ><svg class="inline-svg" width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M7 0C3.13438 0 0 3.13438 0 7C0 10.8656 3.13438 14 7 14C10.8656 14 14 10.8656 14 7C14 3.13438 10.8656 0 7 0ZM7 12.8125C3.79063 12.8125 1.1875 10.2094 1.1875 7C1.1875 3.79063 3.79063 1.1875 7 1.1875C10.2094 1.1875 12.8125 3.79063 12.8125 7C12.8125 10.2094 10.2094 12.8125 7 12.8125Z" fill="#999999"/><path d="M6.25 4.25C6.25 4.44891 6.32902 4.63968 6.46967 4.78033C6.61032 4.92098 6.80109 5 7 5C7.19891 5 7.38968 4.92098 7.53033 4.78033C7.67098 4.63968 7.75 4.44891 7.75 4.25C7.75 4.05109 7.67098 3.86032 7.53033 3.71967C7.38968 3.57902 7.19891 3.5 7 3.5C6.80109 3.5 6.61032 3.57902 6.46967 3.71967C6.32902 3.86032 6.25 4.05109 6.25 4.25ZM7.375 6H6.625C6.55625 6 6.5 6.05625 6.5 6.125V10.375C6.5 10.4437 6.55625 10.5 6.625 10.5H7.375C7.44375 10.5 7.5 10.4437 7.5 10.375V6.125C7.5 6.05625 7.44375 6 7.375 6Z" fill="#999999"/></svg></div></div><div class="featured-partners-container"><div class="featured-partners-card" data-mktp-container='{"componentTitle":"Clover","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1036290","itemName":"Clover","itemBrand":"Has Offers","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Has Offers","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">Clover</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$14.95 per month (plus hardware)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">90 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key features </div><p class="value">Versatile POS, invoicing, employee management</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">Clover</p></div></div><div class="star-content-wrapper"><a href=http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/clover-logo-2.png" alt="Clover" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/clover-logo-2.png" alt="Clover" /></a></div><div class="btn-wrapper"><a href="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Clover's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-mktp-container='{"componentTitle":"Toast","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1183642","itemName":"Toast","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">Toast</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$0</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">No</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key Features </div><p class="value">POS built specifically for restaurants, payroll, online ordering, team and inventory management</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">Toast</p></div></div><div class="star-content-wrapper"><a href=https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/toast_logo-e1627453411799.png" alt="Toast" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/toast_logo-e1627453411799.png" alt="Toast" /></a></div><div class="btn-wrapper"><a href="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Toast's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-mktp-container='{"componentTitle":"KORONA POS","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1155164","itemName":"KORONA POS","itemBrand":"","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">3</p><p class="single-heading-text">KORONA POS</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$59/mo</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">Unlimited</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key features </div><p class="value">Inventory management, custom reporting, advanced cashier functionality, accounting integrations</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">3</p><p class="card-title">KORONA POS</p></div></div><div class="star-content-wrapper"><a href=https://mktp.us/KoronaPOS target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/kp-lo-1.png" alt="KORONA POS" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://mktp.us/KoronaPOS target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/kp-lo-1.png" alt="KORONA POS" /></a></div><div class="btn-wrapper"><a href="https://mktp.us/KoronaPOS" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Korona's Website</p></div><div class="secondary-cta-container"></div></div></div></div></div></div></div>   <div id="how_payment_service_providers_work_section" class="article-section " data-mktp-container='{"componentTitle":"How Payment Service Providers Work","componentType":"Generic"}'> <h2>How Payment Service Providers Work</h2> <div class="section-content " > <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><p>Behind the scenes, payment service providers combine <a href="https://www.forbes.com/advisor/business/software/best-credit-card-processing-companies/" target="_blank" rel="noopener">credit card processing</a> for tens of thousands of businesses under one super-sized <a href="https://www.forbes.com/advisor/business/what-is-merchant-account/" target="_blank" rel="noopener">merchant account</a>. By aggregating payment processing volumes, PSPs can negotiate extremely low processing rates with supporting banks. Then, they pass those savings on to their clients, usually in the form of simple flat-rate fees and low or no monthly costs.</p> <p>PSPs also take on the credit risks for fraud activities and chargebacks for their thousands of clients. When fraud and chargeback issues occur, the PSP’s merchant bank deducts these amounts, leaving the PSP to work it out with their client. This is why most PSPs prohibit <a href="https://www.forbes.com/advisor/business/best-high-risk-merchant-account-providers/" target="_blank" rel="noopener">high-risk</a> sales activities and tend to have more account holds and freezes than standard merchant accounts.</p> <h3>Payment Service Providers at a Glance</h3> <p>Also known as third-party processors, PSPs enable a broad range of payment options in an all-in-one solution. They typically offer immediate account approval with no long-term contracts, simple, flat-rate processing fees and fully integrated software, POS systems and hardware.</p> <p>Many PSPs have no startup, monthly or termination fees, so the only ongoing costs are your payment processing fees. PSPs set their processing rates based on the type of payment, such as credit and debit card,<a href="https://www.forbes.com/advisor/business/accept-ach-payments/" target="_blank" rel="noopener"> ACH</a> or e-wallet and how the sale was processed, such as online, in person or manually keyed-in. At a certain sales threshold, typically around $250,000 in payments processed annually, most PSPs will negotiate lower processing rates.</p> <h3>PSP Pricing and Fees</h3> <p>Payment service providers deliver all-in-one solutions that roll payment processing fees, account costs and hardware and software into one service. Here’s a look at the payment processing fees, account features and related costs of several top-rated PSPs.</p> <p><strong>PSP Payment Processing Fees</strong></p> <p>Flat-rate payment processing fees are the cornerstone of most PSP services. Payment processing fees vary among PSP services, but all PSP fees are based on the type of sale, not the brand or type of card used, unlike traditional merchant accounts.</p> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="5" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font"> Per-transaction Fees </th> <th style="text-align: left" class="primary-font"> In-person Sale </th> <th style="text-align: left" class="primary-font"> Online Sale </th> <th style="text-align: left" class="primary-font"> Keyed-in Sale </th> <th style="text-align: left" class="primary-font"> ACH Payment </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><strong><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/square-review/" target="_blank" rel="noopener">Square</a></strong></span></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>2.6% plus 10 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>2.9% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>3.5% plus 15 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>1%, minimum fee $1</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/what-is-shopify/" target="_blank" rel="noopener">Shopify Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 2.4% plus 0 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 2.4% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 2.4% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Not supported</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/intuit-quickbooks-review/" target="_blank" rel="noopener">QuickBooks Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 1.6% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 3.3% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From 3.5% plus 30 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>1%, maximum fee $10</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/paypal-review/" target="_blank" rel="noopener">PayPal</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>2.29% plus 9 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>3.49% plus 49 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>3.5% plus 15 cents</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>3.49% plus 49 cents</div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><p><strong>PSP Setup and Account Fees</strong></p> <p>Account fees are another way that PSPs simplify and reduce your costs. Most PSPs have no application, set-up or ongoing monthly account fees, plus no long-term contracts or termination fees. Those with monthly fees tend to be payment services built into other systems; for instance, Shopify Payments is part of the <a href="https://www.forbes.com/advisor/business/software/shopify-review/" target="_blank" rel="noopener">Shopify</a> ecommerce platform, and QuickBooks Payments ties into <a href="https://www.forbes.com/advisor/business/software/what-is-quickbooks/" target="_blank" rel="noopener">QuickBooks accounting software</a>.</p> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="4" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font">   </th> <th style="text-align: left" class="primary-font"> Application Fee </th> <th style="text-align: left" class="primary-font"> Monthly Fee </th> <th style="text-align: left" class="primary-font"> Termination Fee </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><strong><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/square-review/" target="_blank" rel="noopener">Square</a></strong></span></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/what-is-shopify/" target="_blank" rel="noopener">Shopify Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$9 to $299</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/intuit-quickbooks-review/" target="_blank" rel="noopener">QuickBooks Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $20</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/paypal-review/" target="_blank" rel="noopener">PayPal</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $25</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><p><strong>PSP Software and Hardware Costs</strong><br /> Most payment service providers deliver a suite of integrated online and <a href="https://www.forbes.com/advisor/business/software/best-pos-system-for-small-business/" target="_blank" rel="noopener">POS systems</a>, <a href="https://www.forbes.com/advisor/business/software/best-card-reader-small-business/" target="_blank" rel="noopener">card readers</a> and <a href="https://www.forbes.com/advisor/business/best-cash-registers-small-business/" target="_blank" rel="noopener">checkout registers</a>. These give businesses the tools they need to accept payments anywhere and streamline day-to-day operations. Many features are included for free, but some have added fees.</p> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="5" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: left" class="primary-font">   </th> <th style="text-align: left" class="primary-font"> Online Checkout </th> <th style="text-align: left" class="primary-font"> POS </th> <th style="text-align: left" class="primary-font"> Card Readers </th> <th style="text-align: left" class="primary-font"> Registers* </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><span style="color: #0000ff;"><strong><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/square-review/" target="_blank" rel="noopener">Square</a></strong></span></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $60 per month</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $299</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From $149</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/what-is-shopify/" target="_blank" rel="noopener">Shopify Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $89 per month</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$49</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$99 to $149</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/intuit-quickbooks-review/" target="_blank" rel="noopener">QuickBooks Payments</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>From $1,200 one-time purchase</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$49</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$119 to $900</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div><strong><span style="color: #0000ff;"><a style="color: #0000ff;" href="https://www.forbes.com/advisor/business/software/paypal-review/" target="_blank" rel="noopener">PayPal</a></span></strong></div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0 to $25 per month</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$0</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$29</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$159 to $699</div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span><i>*May require an iPad or other tablet at an added cost to complete register setup.</i></span> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><h3>PSP Payment Options</h3> <p>Nowadays, most PSPs and traditional merchant accounts support a wide variety of payments, including credit and debit cards, ACH bank transfers and e-wallets, such as Apple Pay and Google Pay. With PSPs, all payment options are immediately available or added easily with a few clicks. Traditional merchant accounts often require additional setup or separate accounts to support various payment types.</p> <ul> <li><strong>Credit and debit cards:</strong> PSPs make it easy to accept credit and debit cards anywhere you sell, including in-person via mobile and retail store sales, online for e-commerce sales and e-invoices and via keyed-in payments for phone sales and remote processing.</li> <li><strong>E-wallet payments:</strong> Accept Apple Pay, Google Pay, Samsung Pay and other e-wallet apps for all types of sales, including mobile payments, retail store sales and online orders.</li> <li><strong>ACH e-checks and bank transfers:</strong> Accept ACH transfers for online sales and e-invoices.</li> <li><strong>Cash and paper checks:</strong> Most PSPs let you record sales made via cash and paper checks alongside your processed payments.</li> </ul> <p>PSPs also support a range of customer payment conveniences, including secure card-on-file, quick-response (QR) code payment screens and automated <a href="https://www.forbes.com/advisor/business/software/best-recurring-payment-services/" target="_blank" rel="noopener">recurring payments</a> for memberships and subscriptions.</p> </div> </div> <hr/> <div id="how_a_psp_benefits_your_business_section" class="article-section " data-mktp-container='{"componentTitle":"How a PSP Benefits Your Business","componentType":"Generic"}'> <h2>How a PSP Benefits Your Business</h2> <div class="section-content " > <p>PSPs are ideal for startups and side-gigs to fast-growing power sellers. Here are some of the top ways that a payment service provider can benefit your business.</p> <ul> <li><strong>Instant approval.</strong> PSPs offer instant account approval plus payment processing apps and online tools that let you start accepting payments immediately.</li> <li><strong>Low or no monthly fees.</strong> PSPs can save you hundreds or even thousands per year in monthly fees compared to traditional merchant account providers. This is especially important for side-gigs or solopreneurs who process payments occasionally.</li> <li><strong>Predictable flat-rate processing fees.</strong> There are no add-on fees for card types, <a href="https://www.forbes.com/advisor/business/what-is-pci-compliance/" target="_blank" rel="noopener">Payment Card Industry (PCI) compliance</a> or printed statements with PSPs. Instead, transparent flat-rate fees make it easy to predict, track and reconcile processing costs each month.</li> <li><strong>Streamlined sales and business management tools.</strong> Most PSPs combine payment services with a suite of integrated online and brick-and-mortar sales and business management tools, such as POS systems, online stores and e-invoices—many for free. This saves you both time and money since you don’t have to purchase separate software and hardware or connect all of the technical dots yourself.</li> <li><strong>No long-term contracts.</strong> With no commitments or termination fees, PSPs are completely risk-free. Plus, it’s easy to test drive one or a few PSP options before settling on the best payment solution for your business.</li> </ul> </div> </div> <hr/> <div id="other_payment_processing_options_section" class="article-section " data-mktp-container='{"componentTitle":"Other Payment Processing Options","componentType":"Generic"}'> <h2>Other Payment Processing Options</h2> <div class="section-content " > <p>Now you’ve seen all that payment service providers have to offer, but they aren’t the only option. Here are two other ways small businesses can accept credit cards, debit cards and other forms of electronic payments.</p> <h3>Traditional Merchant Accounts</h3> <p>Traditional merchant accounts are payment services that support credit and debit card processing plus various other electronic payments. Merchant accounts can be set up through banks and independent <a href="https://www.forbes.com/advisor/business/best-merchant-account-services/" target="_blank" rel="noopener">merchant service providers</a>, but application and setup can take several weeks, unlike a PSP’s immediate approval.</p> <p>Merchant account fees can be very complex. It’s not unusual to see higher fees for certain card types, such as American Express, or for cards that offer rewards, miles or <a class="wpil_keyword_link " title="cash back" href="https://www.forbes.com/advisor/credit-cards/best/cash-back/" data-wpil-keyword-link="linked">cash back</a> programs. However, processing rates are generally negotiable at lower sales volumes than PSPs, plus they service higher-risk business models.</p> <p>Unlike PSPs, merchant account providers may have application, setup and monthly fees, along with long-term contracts and termination fees. Some offer built-in business software packages, online <a href="https://www.forbes.com/advisor/business/software/best-payment-gateways/" target="_blank" rel="noopener">payment gateways</a> and card processing terminals, but most use a variety of third-party providers for these tools.</p> <h3>Peer-to-Peer Payment Apps</h3> <p>Peer-to-peer payment services, known as P2P apps, include Venmo, Apple Pay, Zelle and <a href="https://www.forbes.com/advisor/money-transfer/" target="_blank" rel="noopener">more</a>. P2Ps enable instant person-to-person payments by entering a payee’s email address or phone number into a mobile app. Most P2P services offer free person-to-person payments, plus simple flat-rate payment fees for startups and small businesses.</p> <p>Business P2P accounts are similar to PSPs in terms of flat-rate processing fees, no monthly costs and built-in payment tracking. However, most P2Ps are limited to app-based or online payment options. As a standalone payment solution, P2Ps fall short of PSPs since few provide built-in card reader hardware, POS systems and online store integrations.</p> <div id="featured-partners" class="multi-featured-products count-3 with-fp-disclosure-icon " data-mktp-container='{"componentTitle":"Featured Partners","componentType":"Featured Partners Global Widget ShortCode"}'><p class="featured-partners-heading">Featured Partners</p><div class="fp-wrapper " data-mktp-list='{"listName":"Featured Partners Global Widgets","productsOnPage":"3","appliedFilters":"","pageNumber":1}'><div class="featured-partner-wrapper"><div class="fp-disclosure-text">Advertisement</div><div class="fp-disclosure-icon-wrapper pointer tooltip-tippy-fp" title="We receive compensation from our partners for Featured Offer placements. This compensation impacts how and where their product or service is displayed but in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice." ><svg class="inline-svg" width="14" height="14" viewBox="0 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M7 0C3.13438 0 0 3.13438 0 7C0 10.8656 3.13438 14 7 14C10.8656 14 14 10.8656 14 7C14 3.13438 10.8656 0 7 0ZM7 12.8125C3.79063 12.8125 1.1875 10.2094 1.1875 7C1.1875 3.79063 3.79063 1.1875 7 1.1875C10.2094 1.1875 12.8125 3.79063 12.8125 7C12.8125 10.2094 10.2094 12.8125 7 12.8125Z" fill="#999999"/><path d="M6.25 4.25C6.25 4.44891 6.32902 4.63968 6.46967 4.78033C6.61032 4.92098 6.80109 5 7 5C7.19891 5 7.38968 4.92098 7.53033 4.78033C7.67098 4.63968 7.75 4.44891 7.75 4.25C7.75 4.05109 7.67098 3.86032 7.53033 3.71967C7.38968 3.57902 7.19891 3.5 7 3.5C6.80109 3.5 6.61032 3.57902 6.46967 3.71967C6.32902 3.86032 6.25 4.05109 6.25 4.25ZM7.375 6H6.625C6.55625 6 6.5 6.05625 6.5 6.125V10.375C6.5 10.4437 6.55625 10.5 6.625 10.5H7.375C7.44375 10.5 7.5 10.4437 7.5 10.375V6.125C7.5 6.05625 7.44375 6 7.375 6Z" fill="#999999"/></svg></div></div><div class="featured-partners-container"><div class="featured-partners-card" data-mktp-container='{"componentTitle":"Clover","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1036290","itemName":"Clover","itemBrand":"Has Offers","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Has Offers","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">1</p><p class="single-heading-text">Clover</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$14.95 per month (plus hardware)</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">90 days</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key features </div><p class="value">Versatile POS, invoicing, employee management</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">1</p><p class="card-title">Clover</p></div></div><div class="star-content-wrapper"><a href=http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/clover-logo-2.png" alt="Clover" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075 target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/clover-logo-2.png" alt="Clover" /></a></div><div class="btn-wrapper"><a href="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="http://businesscom.go2cloud.org/aff_c?offer_id=1161&aff_id=1075" data-component-title="Featured Partner Widget" data-product-name="Clover" data-product-category="Featured Product (Business)" data-product-position="1" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1036290" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"http:\/\/businesscom.go2cloud.org\/aff_c?offer_id=1161&aff_id=1075","partnerName":"Has Offers"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Clover's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-mktp-container='{"componentTitle":"Toast","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1183642","itemName":"Toast","itemBrand":"Impact","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">2</p><p class="single-heading-text">Toast</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$0</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free Trial </div><p class="value">No</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key Features </div><p class="value">POS built specifically for restaurants, payroll, online ordering, team and inventory management</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">2</p><p class="card-title">Toast</p></div></div><div class="star-content-wrapper"><a href=https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/toast_logo-e1627453411799.png" alt="Toast" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2021/07/toast_logo-e1627453411799.png" alt="Toast" /></a></div><div class="btn-wrapper"><a href="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://toast.pxf.io/c/1955282/2035099/12509?sharedid=paid" data-component-title="Featured Partner Widget" data-product-name="Toast" data-product-category="Featured Product (Business)" data-product-position="2" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1183642" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/toast.pxf.io\/c\/1955282\/2035099\/12509?sharedid=paid","partnerName":"Impact"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Toast's Website</p></div><div class="secondary-cta-container"></div></div></div></div><div class="featured-partners-card" data-mktp-container='{"componentTitle":"KORONA POS","componentType":"Generic Product"}'><div class="inner-wrapper " data-mktp-product='{"itemId":"1155164","itemName":"KORONA POS","itemBrand":"","itemCategory":"Business","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'><div class="fp-loader"><div class="fp-loader__blocks fp-loader__header"></div><div class="fp-loader__blocks fp-loader__phone"></div><div class="fp-loader__blocks fp-loader__cta"></div><div class="fp-loader__blocks fp-loader__attr"></div></div><div class="heading-wrapper"><p class="card-number">3</p><p class="single-heading-text">KORONA POS</p></div><div class="left"><div class="rating-wrapper"></div><div class="partners-stats"><div class="stats-wrapper"><div class="tooltip-wrapper label">Price starts at </div><p class="value">$59/mo</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Free trial </div><p class="value">Unlimited</p></div><div class="stats-wrapper"><div class="tooltip-wrapper label">Key features </div><p class="value">Inventory management, custom reporting, advanced cashier functionality, accounting integrations</p></div></div></div><div class="right"><div class="heading-wrapper"><div class="align-left with-best-of"><div class="heading-text"><p class="card-number">3</p><p class="card-title">KORONA POS</p></div></div><div class="star-content-wrapper"><a href=https://mktp.us/KoronaPOS target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/kp-lo-1.png" alt="KORONA POS" /></a><div class="rating-wrapper"></div></div></div><div class="logo-wrapper no-telephone-number"><a href=https://mktp.us/KoronaPOS target="_blank" rel="nofollow" class="fp-widget-cta-event track-type" data-cta-text="NA" data-link-placement="Image Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><img decoding="async" class="logo" width="140" height="50" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/200x/https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/07/kp-lo-1.png" alt="KORONA POS" /></a></div><div class="btn-wrapper"><a href="https://mktp.us/KoronaPOS" class="get-estimate-cta fp-widget-cta-event track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://mktp.us/KoronaPOS" data-component-title="Featured Partner Widget" data-product-name="KORONA POS" data-product-category="Featured Product (Business)" data-product-position="3" data-product-badge="NA" data-product-rating="NA" data-product-offer="NA" data-wp-postid="1155164" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/mktp.us\/KoronaPOS","clickType":"external"}' ><span class="arrow-wrapper">Learn More <svg viewBox="0 0 16 14" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M1.69287 7.92087L12.3691 7.92087L7.70041 12.4343C7.51781 12.6023 7.41446 12.8353 7.41446 13.079C7.41446 13.3226 7.51781 13.5556 7.70041 13.7237C7.87432 13.9001 8.11546 14 8.36763 14C8.61979 14 8.86094 13.9001 9.03484 13.7237L15.2292 7.73677C15.6111 7.31491 15.6111 6.68509 15.2292 6.26323L9.03335 0.276315C8.85945 0.0998659 8.6183 0 8.36614 0C8.11397 0 7.87283 0.0998659 7.69893 0.276315H7.69892C7.51632 0.444355 7.41297 0.677368 7.41297 0.921031C7.41297 1.16469 7.51632 1.39771 7.69892 1.56575L12.3691 6.07841L1.69287 6.07841C1.43556 6.06334 1.18389 6.15554 1.00161 6.33168C0.819326 6.50782 0.723899 6.751 0.7395 6.99964C0.723899 7.24828 0.819325 7.49146 1.00161 7.6676C1.18389 7.84374 1.43556 7.93594 1.69287 7.92087Z" fill="white"/></svg></span></a><p class="cta-subtext">On Korona's Website</p></div><div class="secondary-cta-container"></div></div></div></div></div></div></div> </div> </div> <hr/> <div id="when_to_use_an_alternative_to_psps_section" class="article-section " data-mktp-container='{"componentTitle":"When To Use an Alternative To PSPs","componentType":"Generic"}'> <h2>When To Use an Alternative To PSPs</h2> <div class="section-content " > <p>While PSPs deliver a powerful set of payment and business management solutions, they aren’t ideal for all businesses. Here are several instances where PSP alternatives may be an easier or more economical option.</p> <h3>High-volume Sales</h3> <p>Most PSPs will negotiate lower fees when you reach around $250,000 in annual processing volume. However, many <a href="https://www.forbes.com/advisor/business/best-merchant-account-services/" target="_blank" rel="noopener">traditional merchant accounts</a> will negotiate at far lower volumes, even less than $100,000 in annual processing. This is especially true if you focus on a lower-risk business model, such as in-person mobile, retail or services payments.</p> <h3>High Percentage of Debit Card Processing</h3> <p>If your customers tend to use debit cards for purchases, a traditional merchant account can offer far lower fees compared to payment service providers. PSPs combine debit and credit cards under a single processing rate, but merchant accounts provide separate fee structures for credit and debit cards. You may pay more to process some credit cards, such as American Express rewards cards, but far lower debit card fees more than makes up for this.</p> <h3>High-risk Business Models</h3> <p>Each PSP sets their own rules but, in general, PSPs prohibit sales of illegal or age-restricted products, online gambling and credit repair services, to name just a few examples. Square is one PSP with a few “gray area” programs for items, such as cannabidiol (CBD) products, but these have higher fees than standard sales. If your business tips into <a href="https://www.forbes.com/advisor/business/best-high-risk-merchant-account-providers/" target="_blank" rel="noopener">high-risk</a> areas or focuses on prohibited lanes, a traditional merchant account is a better alternative.</p> <h3>Brick-and-Mortar Retail Sales</h3> <p>If you only sell in a <a href="https://www.forbes.com/advisor/business/software/best-retail-pos-system/" target="_blank" rel="noopener">retail store setting</a> in a single geographic region, you’ll likely get lower card processing rates with a traditional merchant account. This is especially true if debit cards make up a large percentage of your sales. PSPs average their fees over a broad range of geographic areas, card types and business models. In contrast, merchant accounts can offer lower fees based on the risk averages of your typical sales, type of cards processed and goods sold.</p> <h3>Solopreneurs and Small Service Providers</h3> <p>Peer-to-peer payment apps can provide everything the small or solopreneur service provider needs with little setup and no upfront or account costs. Many independent services use Venmo (by PayPal), Cash App (by Square), <a href="https://www.forbes.com/advisor/money-transfer/what-is-zelle-how-does-it-work/" target="_blank" rel="noopener">Zelle</a> and Apple Cash to receive and track payments for in-person, virtual and online services. Those supported by major PSPs, such as PayPal and Square, also make it easy to integrate app payments into other sales tools such as POS and online sales as you grow.</p> </div> </div> <hr/> <div id="bottom_line_section" class="article-section " data-mktp-container='{"componentTitle":"Bottom Line","componentType":"Generic"}'> <h2>Bottom Line</h2> <div class="section-content " > <p>The payment processing landscape is getting crowded and the increased competition is a great benefit to startups and growing entrepreneurs. Cutting-edge PSPs are pushing the envelope by combining all-in-one technologies with simple, transparent fees. These popular players are driving change in the market, but they’re not the only options to consider. P2P apps offer specialized direct-pay options while traditional merchant services can deliver better value to volume sellers and serve businesses that don’t fit the PSPs models. If your business aligns with those listed in the PSP alternatives above, you may find a better deal with these types of payment services.</p> </div> </div> <hr/><div id="frequently_asked_questions_faqs_section" class="faq-section article-section"data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Section"}'><h2>Frequently Asked Questions (FAQs)</h2><div class="main-faqs faq-2021 faq-v2" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-mktp-misc-click='{"clickText":"What is an example of a payment service provider?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is an example of a payment service provider?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Square, Stripe, Shopify Payments, Amazon Pay and PayPal are all examples of payment service providers. Also known as third-party payment processors, PSPs allow businesses to accept credit and debit cards, plus other payment types for online, mobile, in-store and recurring payments. PSPs are known for transparent flat-fee credit card processing rates, no startup or monthly costs and quick account approvals.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"What is the difference between a payment service provider and a payment gateway?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is the difference between a payment service provider and a payment gateway?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Payment service providers handle the credit approval and transfer of funds between an online buyer, their credit card network and the seller. Payment gateways are the online portals that securely collect and transmit cardholder data for payment authorization. Many payment service providers operate their own payment gateways and securely integrate with checkouts on various e-commerce platforms.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Why do I need a payment service provider?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Why do I need a payment service provider?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You need a payment service provider if you want to accept credit and debit cards and other forms of electronic payments, such as e-wallet payments and ACH bank payments. 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href="https://www.forbes.com/advisor/business/software/best-restaurant-pos-systems/" title="Best Restaurant POS Systems" data-mktp-link='{"clickText":"Best Restaurant POS Systems","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-restaurant-pos-systems\/","clickType":"internal"}'>Best Restaurant POS Systems</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-retail-pos-system/" title="Best Retail POS Systems" data-mktp-link='{"clickText":"Best Retail POS Systems","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-retail-pos-system\/","clickType":"internal"}'>Best Retail POS Systems</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-credit-card-processing-companies/" title="Best Credit Card Processing Companies" data-mktp-link='{"clickText":"Best Credit Card 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Account","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/best-high-risk-merchant-account-providers\/","clickType":"internal"}'>Best High Risk Merchant Account</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/best-cash-registers-small-business/" title="Best Cash Registers For Small Businesses" data-mktp-link='{"clickText":"Best Cash Registers For Small Businesses","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/best-cash-registers-small-business\/","clickType":"internal"}'>Best Cash Registers For Small Businesses</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-payment-gateways/" title="Best Payment Gateways" data-mktp-link='{"clickText":"Best Payment Gateways","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-payment-gateways\/","clickType":"internal"}'>Best Payment Gateways</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-mobile-credit-card-readers/" title="Best Mobile Credit Card Readers" data-mktp-link='{"clickText":"Best Mobile Credit Card Readers","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-mobile-credit-card-readers\/","clickType":"internal"}'>Best Mobile Credit Card Readers</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-credit-card-payment-apps/" title="Best Credit Card Payment Apps" data-mktp-link='{"clickText":"Best Credit Card Payment Apps","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-credit-card-payment-apps\/","clickType":"internal"}'>Best Credit Card Payment Apps</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-ach-payment-processing/" title="Best ACH Payment Processing For Small Business" data-mktp-link='{"clickText":"Best ACH Payment Processing For Small Business","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-ach-payment-processing\/","clickType":"internal"}'>Best ACH Payment Processing For Small Business</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-virtual-terminal/" title="Best Virtual Terminal" data-mktp-link='{"clickText":"Best Virtual Terminal","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-virtual-terminal\/","clickType":"internal"}'>Best Virtual Terminal</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-credit-card-machine/" title="Best Credit Card Machine For Small Business" data-mktp-link='{"clickText":"Best Credit Card Machine For Small Business","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-credit-card-machine\/","clickType":"internal"}'>Best Credit Card Machine For Small Business</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-credit-card-reader-iphone/" title="Best Credit Card Reader For iPhone" data-mktp-link='{"clickText":"Best Credit Card Reader For iPhone","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-credit-card-reader-iphone\/","clickType":"internal"}'>Best Credit Card Reader For iPhone</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-salon-pos/" title="Best Salon POS Systems" data-mktp-link='{"clickText":"Best Salon POS Systems","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-salon-pos\/","clickType":"internal"}'>Best Salon POS Systems</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/best-card-reader-small-business/" title="Best Card Reader For Small Business" data-mktp-link='{"clickText":"Best Card Reader For Small Business","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-card-reader-small-business\/","clickType":"internal"}'>Best Card Reader For Small Business</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/free-pos-systems/" title="Best Free POS Systems" data-mktp-link='{"clickText":"Best Free POS Systems","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/free-pos-systems\/","clickType":"internal"}'>Best Free POS Systems</a> </li> </ul> </div> </div> <div class="boc__section" data-mktp-container='{"componentTitle":"Reviews","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Reviews</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/clover-pos-review/" title="Clover POS Review" data-mktp-link='{"clickText":"Clover POS Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/clover-pos-review\/","clickType":"internal"}'>Clover POS Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/toast-pos-review/" title="Toast POS Review" data-mktp-link='{"clickText":"Toast POS Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/toast-pos-review\/","clickType":"internal"}'>Toast POS Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/merchant-one-review/" title="Merchant One Review " data-mktp-link='{"clickText":"Merchant One Review ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/merchant-one-review\/","clickType":"internal"}'>Merchant One Review </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/payment-depot-review/" title="Payment Depot Review" data-mktp-link='{"clickText":"Payment Depot Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/payment-depot-review\/","clickType":"internal"}'>Payment Depot Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/stax-review/" title="Stax By Fattmerchant Review " data-mktp-link='{"clickText":"Stax By Fattmerchant Review ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/stax-review\/","clickType":"internal"}'>Stax By Fattmerchant Review </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/helcim-review/" title="Helcim Review" data-mktp-link='{"clickText":"Helcim Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/helcim-review\/","clickType":"internal"}'>Helcim Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/paypal-review/" title="PayPal Review" data-mktp-link='{"clickText":"PayPal Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/paypal-review\/","clickType":"internal"}'>PayPal Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/square-review/" title="Square Review" data-mktp-link='{"clickText":"Square Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/square-review\/","clickType":"internal"}'>Square Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/stripe-review/" title="Stripe Review" data-mktp-link='{"clickText":"Stripe Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/stripe-review\/","clickType":"internal"}'>Stripe Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/paypal-zettle-review/" title="PayPal Zettle Review" data-mktp-link='{"clickText":"PayPal Zettle Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/paypal-zettle-review\/","clickType":"internal"}'>PayPal Zettle Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/sumup-review/" title="SumUp Review" data-mktp-link='{"clickText":"SumUp Review","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/sumup-review\/","clickType":"internal"}'>SumUp Review</a> </li> </ul> </div> </div> <div class="boc__section" data-mktp-container='{"componentTitle":"Comparisons","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Comparisons</div> <ul class="boc__items"> <li class="boc__item-list"> <a 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href="https://www.forbes.com/advisor/business/software/sumup-vs-square/" title="SumUp vs. Square" data-mktp-link='{"clickText":"SumUp vs. Square","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/sumup-vs-square\/","clickType":"internal"}'>SumUp vs. Square</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/square-vs-shopify/" title="Square vs. Shopify" data-mktp-link='{"clickText":"Square vs. Shopify","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/square-vs-shopify\/","clickType":"internal"}'>Square vs. Shopify</a> </li> </ul> </div> </div> <div class="boc__section" data-mktp-container='{"componentTitle":"Read More","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Read More</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/what-is-merchant-account/" title="What is a Merchant Account?" data-mktp-link='{"clickText":"What is a Merchant Account?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/what-is-merchant-account\/","clickType":"internal"}'>What is a Merchant Account?</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/how-to-accept-credit-card-payments/" title="How to Accept Credit Card Payments " data-mktp-link='{"clickText":"How to Accept Credit Card Payments ","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/how-to-accept-credit-card-payments\/","clickType":"internal"}'>How to Accept Credit Card Payments </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/accept-online-payments/" title="How to Accept Payments Online" data-mktp-link='{"clickText":"How to Accept Payments Online","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/accept-online-payments\/","clickType":"internal"}'>How to Accept Payments Online</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/accept-credit-card-payments-cheap/" title="Cheapest Way to Accept Credit Card Payments" data-mktp-link='{"clickText":"Cheapest Way to Accept Credit Card Payments","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/accept-credit-card-payments-cheap\/","clickType":"internal"}'>Cheapest Way to Accept Credit Card Payments</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/business/software/how-to-use-square/" title="How To Use Square to Process Credit Cards" data-mktp-link='{"clickText":"How To Use Square to Process Credit Cards","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/how-to-use-square\/","clickType":"internal"}'>How To Use Square to Process Credit Cards</a> </li> </ul> </div> </div> </div> </div> <div class="right-rail__display"></div> <div class="right-rail__content"> </div> </div> </div> </div> </div> <div class="guides-template__container"> <section class="best-cards" data-mktp-container='{"componentTitle":"Next Up In Business","componentType":"Next Up Section"}'> <h3> Next Up In <span>Business</span> </h3> <ul> <li> <a title="Best POS Systems For Small Business" href="https://www.forbes.com/advisor/business/software/best-pos-system-for-small-business/" data-mktp-link='{"clickText":"Best POS Systems For Small Business","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/business\/software\/best-pos-system-for-small-business\/","clickType":"internal"}'> Best POS Systems For Small Business </a> </li> <li> <a title="Best Retail POS Systems 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Krista holds a bachelor's degree in English from The University of Texas at Austin and held senior positions at NASA, a Fortune 100 company, and several online startups.</p> </div> </div> <div class="authorbio__wrap secondary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/cbottorff/" title="Cassie Bottorff" target="_blank" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'> <img src="https://www.forbes.com/advisor/wp-content/uploads/2024/04/Cassie-Bottorff-headshot-Cassandra-Bottorff-88x88.png" width="64" height="64" alt="Cassie Bottorff" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/cbottorff/" target="_blank" class="authorbio__name" data-mktp-link='{"clickText":"Cassie Bottorff","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbottorff\/","clickType":"internal"}'> Cassie Bottorff </a> <div class="authorbio__role">Former Deputy Editor</div> </div> </div> <div class="authorbio__bottom"> <p>Cassie is a former deputy editor who collaborated with teams around the world while living in the beautiful hills of Kentucky. Focusing on bringing growth to small businesses, she is passionate about economic development and has held positions on the boards of directors of two non-profit organizations seeking to revitalize her former railroad town. 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urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["related"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Guides Template', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Krista Fabregas', author_role: 'Forbes Advisor Staff', primary_category: 'Business', secondary_category: '', published_date: 'August 25, 2022', updated_date: 'Jun 2, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '49f352f86f', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = 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var util = function(){ /** * This function inserts a element after reference node * @param el * @param referenceNode */ var insertAfter = function (el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode.nextSibling); }; /** * This function inserts a element before reference node * @param el * @param referenceNode */ var insertBefore = function(el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode); }; /** * This function creates a element * @param el * @param attr * @returns {element} */ function createElement(el,attr){ el = el || 'div'; attr = attr || {}; var e = document.createElement(el); if( attr ){ for(var p in attr){ e.setAttribute(p,attr[p]); } } return e; } function throttle(fn, delay) { var canCall = true; return function () { if (canCall) { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } fn.apply(null, args); canCall = false; setTimeout(function () { canCall = true; }, delay); } }; }; function debounce(fn, delay) { var timer; return function () { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } if (timer) clearTimeout(timer); timer = setTimeout(function () { fn.apply(null, args); }, delay); }; }; function $qs(selector){ return document.querySelector(selector); } function $qsa(selector){ return document.querySelectorAll(selector); } return { insertAfter:insertAfter, insertBefore:insertBefore, createElement:createElement, throttle:throttle, debounce:debounce, $qs:$qs, } }(); /** * @returns {number} * @param calculationParameters * * First DFP section height: 1500px * Middle DFP section height: 1100px * Last min DFP section height: 800px * * Based on the above parameters calculate the number of DFP section for Right Rail */ function getTotalSectionCountDesktop (calculationParameters) { var totalHeight = (calculationParameters.totalHeight - calculationParameters.heightDeduction); var count = 0; var remainingHeight = 0; if (totalHeight > RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) { totalHeight -= RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT; count += 1; } var sectionCount = Math.floor(totalHeight / calculationParameters.sectionHeight); if (sectionCount) { count += sectionCount; remainingHeight = totalHeight - (sectionCount * RIGHT_RAIL_DFP_SECTION_HEIGHT); } else { remainingHeight = totalHeight; } if (remainingHeight >= RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT) { count += 1; } return count < 0 ? 0 : count; } /** * @returns {number} * @param sectionHeight */ function getTotalHeight(sectionHeight){ var defaultHeight = sectionHeight || 2000; var sectionsParent; if (window.__articleMainContentSelector) { sectionsParent = document.querySelector(__articleMainContentSelector); } else { sectionsParent = document.querySelector(selectors.leftRailWrapper); } return ( !!sectionsParent ) ? sectionsParent.offsetHeight : defaultHeight ; } /** * @returns {number} */ function getHeightDeduction(){ var deductionHeight = 0; var rightRailContents = document.querySelectorAll(selectors.rightRailContent); if (rightRailContents && rightRailContents.length) { rightRailContents.forEach(function (ele) { if (!!ele) { deductionHeight += ele.offsetHeight; } }); } return deductionHeight; } /** * This function will generate placeholders */ function generateRightRailPlaceholders(){ var totalHeight = getTotalHeight(RIGHT_RAIL_DFP_SECTION_HEIGHT); var htDeduction = getHeightDeduction(); var calculationParameters = { totalHeight: totalHeight, sectionHeight: RIGHT_RAIL_DFP_SECTION_HEIGHT, heightDeduction: htDeduction }; var sectionCount = getTotalSectionCountDesktop(calculationParameters); if( !!sectionCount ){ var html = ''; var lastDfpSectionHeight = ( (totalHeight - htDeduction - RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) - ( (sectionCount - 1) * RIGHT_RAIL_DFP_SECTION_HEIGHT ) ) + RIGHT_RAIL_DFP_SECTION_HEIGHT; for(var i=0; i < sectionCount ;i++){ if ( i === 0 ){ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } else if ( sectionCount - 1 === i ) { html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+lastDfpSectionHeight+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; }else{ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } } var rightRailDfp = document.querySelector(selectors.rightRailDfp); if(!!rightRailDfp){ rightRailDfp.innerHTML = html; } } } /** * This function will generate top ed placeholder */ function generateTopEdPlaceholder(){ var top = util.createElement('div',{ "class":'top-ed-placeholder', }); util.insertBefore(top,util.$qs(selectors.articleWrapper)); }; /** * This function will generate mobile sticky ed placeholder */ function generateMobileStickyEdPlaceholder(){ var bottom = util.createElement('div',{ "class":'mobile-sticky-ed-placeholder', }); util.insertAfter(bottom,util.$qs(selectors.articleWrapper)); handleNotices(bottom); }; function handleNotices(bottomStickyElement){ if(!!bottomStickyElement){ var stickyHeight = bottomStickyElement.offsetHeight; stickyHeight = ( stickyHeight > 0 )? stickyHeight : 0; var notices = util.$qs('.notices'); if (notices) { notices.style.bottom = stickyHeight + "px"; } } } /** * This function will generate placehoders */ function generateIncontentPlaceholders(){ var parentWrapper = document.querySelector(selectors.articleBody); var paras = parentWrapper.querySelectorAll('p'); var dataIndex = 0; var initialLoad = true; var initialLoadCount = 0; var validParagraphCount = 0; var maxCharacterLength = 150; for(var i = 0 ; i < paras.length ;i++){ var currentPara = paras[i]; var text = currentPara.textContent || currentPara.innerText; var excludeCurrentPara = currentPara.getAttribute('data-ed-excluded-el'); if( text.length > maxCharacterLength && excludeCurrentPara === null ){ validParagraphCount++; } if( ( initialLoad && validParagraphCount === 2 ) || validParagraphCount === 4 ){ initialLoadCount++; if( initialLoadCount === 2 ){ initialLoad = false; } var wrapper = util.createElement('div',{ "class":'article-row', "data-page":0, "data-index":dataIndex, }); wrapper.appendChild( util.createElement('div',{class:posData.inlineArticle.placeholder}) ); util.insertAfter( wrapper, currentPara ); dataIndex++; validParagraphCount = 0; } } } /** * This function will generate incontent ed placeholder for dfp shortcode */ function generateIncontentShortcodePlaceholder() { var stl = "text-align:center;margin:10px 0;"; if (deviceType === 3) { stl += "margin-right:-15px;margin-left:-15px;"; } var shortcodePlaceholder = util.createElement('div', { "class": posData.showDfpShortcode.placeholder, "style": stl }); var el = util.$qs(selectors.showDfpShortcode); if (!!el) { el.appendChild(shortcodePlaceholder); } } /** * This function will return array of elements for exclusion * elementSelectors : ['.faqs','.someothersection'] * * return [div.faq,div#something]; */ function getSectionsDomElementsToExclude(elementSelectors){ var allElements = []; if( Array.isArray(elementSelectors) && elementSelectors.length > 0 ){ elementSelectors.forEach(function(elSelector){ var els = document.querySelectorAll(elSelector); if( els.length > 0 ){ for( var i = 0; i < els.length ; i++ ){ allElements.push(els[i]); } } }); } return allElements; } /** * This function will add exclusion attribute */ function addEdExclusionDataAttribute(els){ var noOfElements = els.length; if( !!els && noOfElements > 0 ){ for( var i = 0 ; i < noOfElements ; i++ ){ els[i].setAttribute('data-ed-excluded-el',true); } } } /** * This function adds exclusion attribute to elements found in exclusion section */ function addExlusionAttribute(callback){ var allSectionstoExclude = getSectionsDomElementsToExclude(selectors.excludeSections); if( Array.isArray(allSectionstoExclude) && allSectionstoExclude.length > 0 ){ allSectionstoExclude.forEach(function(section){ var paras = section.querySelectorAll('p'); addEdExclusionDataAttribute(paras); }); } if( typeof callback === 'function'){ callback(); } } /** * This function will generate dfp yhs shortcode placeholder */ function generateShowDfpYhsPlaceholder(){ var el = util.createElement('div',{ "class":posData.showDfpShortcode.placeholder, }); var targetElement = util.$qs(shortcodePosData.inread.selector); if( !!targetElement ){ targetElement.appendChild(el); } } /** * This function will generate dfp yhs shortcode placeholder */ function loadShowDfpYhsUnit(){ if( !!util.$qs(shortcodePosData.inread.selector) ){ loadSingleUnit(['inread'], 0, null); } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders(){ if( deviceType !== 3 ){ generateTopEdPlaceholder(); generateRightRailPlaceholders(); }else{ generateMobileStickyEdPlaceholder(); addExlusionAttribute(generateIncontentPlaceholders); } generateIncontentShortcodePlaceholder(); generateShowDfpYhsPlaceholder(); } generateTemplatePlaceHolders(); /** * Set the placeholder height of lazy loaded units */ function setMobilePlaceholdersHeight() { googletag.cmd.push(function () { googletag.pubads().addEventListener('slotRenderEnded', function(event) { var slotEl = document.querySelector('#' + event.slot.getSlotElementId()).parentElement; var slotHeight; if (event.size && event.size[1] !== 0) { slotHeight = event.size[1] + 'px'; } else { slotHeight = 'auto'; } if (!!slotEl) { slotEl.style.height = slotHeight; } }); }); } //handle sticky top var isSticky = false; var isStickyDone = false; function handleTopEdScroll(){ var topEd = document.querySelector(selectors.topEd); var headerHeight = document.querySelector(selectors.header).offsetHeight; var offset = window.pageYOffset || document.documentElement.scrollTop; if(topEd){ var scrollOffset = topEd.offsetTop; if(!isSticky){ if(topEd.classList.contains('top-ed-placeholder--sticky')){ isSticky = true; } if( offset > scrollOffset ){ topEd.classList.add('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop=topEd.offsetHeight+"px"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop=topEd.offsetHeight+"px"; } } setTimeout(function(){ topEd.classList.remove('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop="0"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop="0"; } isStickyDone = true; },5000); }else{ if(!isStickyDone){ topEd.style.top = `${headerHeight}px`; } } } this.oldScroll = this.scrollY; } window.addEventListener('scroll',debounce(handleTopEdScroll,250)); //dfp setup window.dfpConfig = { 1: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.sizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 2: { 'recx' : { 'size': posData.rail.sizes, 'cssClass': posData.rail.placeholder }, 'top' : { 'size': posData.top.tabletSizes, 'cssClass': posData.top.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, }, 3: { 'mobilerec': { 'size': posData.inlineArticle.sizes, 'cssClass': posData.inlineArticle.placeholder }, 'mobile' : { 'size': posData.mobileSticky.sizes, 'cssClass': posData.mobileSticky.placeholder }, 'inread' : { 'size': posData.showDfpShortcode.sizes, 'cssClass': posData.showDfpShortcode.placeholder }, } }; generatePlaceHolders(null); initializeDFP(function(){ if( deviceType !== 3 ){ loadSingleUnit(['top'], 0, null); }else{ loadSingleUnit(['mobile'], 0, null); setMobilePlaceholdersHeight(); } if(!!util.$qs('.'+posData.showDfpShortcode.placeholder)){ loadSingleUnit(['inread'], 0, null); } loadShowDfpYhsUnit(); lazyLoadSlots(0,[0,1]); }); initDFPScrollhandler(function(direction, currentRowIndex, pageIndex){ var rowOffset = 1 * direction; var nextDfpRowIndex = parseInt(currentRowIndex) + rowOffset; lazyLoadSlots(pageIndex, [parseInt(currentRowIndex), nextDfpRowIndex]); }, true); function adjustHeightGap() { let leftRail = document.querySelector(selectors.leftRailWrapper), righRail = document.querySelector(selectors.rightRailWrapper); if(leftRail && righRail){ let leftRailHeight = leftRail.offsetHeight, righRailHeight = righRail.offsetHeight, heightDiffernce = righRailHeight - leftRailHeight, articleRow = document.getElementsByClassName("article-row"), articleRowCount = document.querySelectorAll('.article-row').length, heightDeduction = heightDiffernce / articleRowCount; 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