I'm unsure about what payment gateway to use

[Dannydee]

Hey,

I have been building a digital product for several months and it is ready for use. I have a website, and HAD been expecting to use Gumroad to sell products through (by linking it correctly, etc).

As I was going through the steps on Gumroad, however, something threw me off. I disliked seeing the line:

"Charges will happen in USD, using an up-to-date exchange rate. Customers may incur an additional foreign transaction fee according to their cardmember agreement."

... and now I have cold feet about selling through it. Nobody likes to be hit with additional charges at the checkout and I would prefer to just avoid that altogether.

My website is built on Wix and I have the business plan.. I have had a look and I can see it includes the ability to take payments.

Sounds great, but is there anything I should be wary of? Specifically, how much extra work might be involved outside of taking a payment and sending a digital product through Wix?

Is there a bunch of other stuff outside regular tax and HMRC obligations etc?

Or should I just shut up and connect Wix payments?

 

[Paul Kelly ICHYB]

Who is Gumroad? Never heard of them!

Why not just use Wix or, better still, another platform (like creating your own via Wordpress, Joomla etc)?

 

[antropy]

... and now I have cold feet about selling through it. Nobody likes to be hit with additional charges at the checkout and I would prefer to just avoid that altogether.

It's quite common for there to be additional charges for buying in foreign currencies, I think just try it and see how it goes.

Paul.

 

[fisicx]

As Paul says, just use the Wix payment system. Or better still don’t use Wix at all.

If this is a single product you probably don’t need e-commerce.

 

[Marantzdigital]

Hi

Not an expert but suggest that you could look at other payment processors such as stripe and so forth.

If your current website bundle allows you to accept payments, it should give you a clear detail on the fees, which you can compare. Those payments will integrate into your orders too saving you some manual work.

For now it might be worth using the payment acceptance service they provide, until you realise perhaps there is a lower rate out there.

 

[Dannydee]

Hey thanks everyone I have a pre-paid subscription to Wix for like the next 3 years on their business tier, meaning I have a payment portal built-in.

As for "not using Wix" I have built a banging website (if I do say so myself).

Gumroad is a platform for users who sell digital products. Their main USP (for me anyway) was that they take care of regional sales tax and those kind of headaches, for 10% per unit + 50c.

Sounds like a lot, and it is, but as a quick way to get a product up for sale a lot of people seem to be happy to take the hit.

But it turns out I'm already paying for a payment service, through which they only absorb 2.1% per unit.

I'll figure out all the tax stuff later, if and when I actually sell anything.

 

[Dannydee]

As Paul says, just use the Wix payment system. Or better still don’t use Wix at all.

If this is a single product you probably don’t need e-commerce.

Too late, I have spent a long time building the site and product... and I have other products on the horizon, so it's not just going to be a one product platform

I'll definitely get the use out of it

 

[fisicx]

Too late, I have spent a long time building the site and product... and I have other products on the horizon, so it's not just going to be a one product platform

I'll definitely get the use out of it

Wix is still the wrong choice for selling online. Eventually you will realise its limitations. Moving to a proper CMS now will repay you many times over.

 

[Newchodge]

Which countries do you expect your customers to be based? If mainly UK it would be unnecessary to have a payment portal that uses a foreign (and currently quite dodgy) currency.

 

[antropy]

We've found online payments have got harder and harder lately but these gateways seem to be the most reliable of all we've found: https://www.antropy.co.uk/blog/best-payment-gateways-your-opencart-store/

Paul.

 

[Dannydee]

Wix is still the wrong choice for selling online.

Why? It's one of the most commonly used and there are endless accounts of people who have had a great experience using Wix with their business.

Eventually you will realise its limitations. Moving to a proper CMS now will repay you many times over.

Who is better?

 

[Dannydee]

Which countries do you expect your customers to be based? If mainly UK it would be unnecessary to have a payment portal that uses a foreign (and currently quite dodgy) currency.

Initially UK I guess, but the product/s are digital and usable anywhere, so I would expect to sell or try to sell across greater Europe and in the US.

 

[fisicx]

Why? It's one of the most commonly used and there are endless accounts of people who have had a great experience using Wix with their business.

And there are many more who struggled to get wix to be effectively. A lot depends on your business but selling online with wix can be restrictuve and expensive.

Who is better?

Pretty much any platform that doesn't tie you down to their infrastructure.

You can use OpenCart as a dedicated ecommerce platform. You could use WordPress with a digital products plugin. Both of these are very low cost and adaptable.

As an example, you could launch your wix site and discover it just doesn't convert. Making the changes can take time and effort.

With a flexible CMS you can switch themes in an instant. Add remove and edit product pages in minutes.

Adjust the styling, split test, set up dedicated landing pages and so much more. All for free.

You can set up muliple payment options, do translations on the fly and experiment with thousands of free plugins, extensions and enhancements. All for free.

Once you have tried a proper ecommerce platform or CMS you woun't ever want to go back to wix.