VoIP : Les meilleurs opérateurs

By Maïté Bouhali | Rédactrice

Alors que 98% des entreprises utilisent toujours le RTC (soit le Réseau Téléphonique Commuté), sa coupure future oblige de nombreuses entreprises à revoir leurs options… Mais sachez que c’est une bonne nouvelle pour votre porte-monnaie ! En effet, une solution VoIP peut vous faire économiser au moins 30% sur vos factures téléphoniques.

Mais avant de penser aux économies, encore faut-il trouver le bon fournisseur. Cela vous semble fastidieux ? Pas avec Expert Market ! Nous avons comparé, pour vous les fournisseurs VoIP pour professionnels.

Ainsi, de nombreuses entreprises sont toujours sensibles à l’expérience de l’opérateur historique Orange. Pourtant, d’autres opérateurs tels que Keyyo Communications satisferont probablement plus les besoins des petites structures. Enfin, les entreprises à la recherche d’un opérateur les aidant et les accompagnant, pas à pas, à trouver la meilleure solution trouveront en A6Telecom le partenaire idéal

Dirigez-vous directement vers la section qui vous intéresse en cliquant sur l’un des liens ci-dessous !

Téléphone VoIP

De nombreuses économies sont à la clé pour les entreprises grâce à la VoIP.


Selon un sondage effectué par Orange, 70% des clients ayant une ligne RTC et une ligne VoIP trouvent la qualité de la VoIP aussi satisfaisante voire même plus satisfaisante que celle du RTC.

Orange Pro

Le meilleur opérateur VoIP pour une expérience tout en confiance

Opter pour Orange, c’est être sûr de pouvoir faire confiance à son opérateur. Et oui ! Orange, anciennement France Télécom, bénéficie de son expérience d’opérateur historique, lui donnant une expertise unique par rapport à ses concurrents. 

Évaluation :    

En savoir plus : Orange, l’avis 2020

Plus d’un particulier sur trois fait confiance à Orange et à son savoir-faire historique. Et de nombreux professionnels font de même ! L’opérateur propose des offres VoIP variées à partir de 22€ HT/mois. Ces abonnements entièrement modulables proposent des services optionnels ou sur demande. 

Mais opter pour un opérateur proposant aussi ses services aux particuliers est-il un bon choix ? N’ayez crainte, vous pouvez entièrement faire confiance à Orange. L’entreprise française s’occupe des besoins des pros depuis 2006 et propose même un service client dédié aux professionnels !

Ce qu’Orange Pro peut mettre au service de votre entreprise :

L’inscription de votre numéro et de votre catégorie professionnelle dans une base annuaire, vous donnant plus de visibilité

Une intervention garantie dans les 8 heures (heures ouvrées) en cas de panne 

Un service client dédié aux professionnels disponible 7j/7, 24h/24 et un réseau de boutiques important

Le service Airbox Confort Pro qui permet d’accéder à internet même lorsqu’un incident survient sur la ligne

De nombreuses fonctionnalités telles que la messagerie vocale, la présentation du numéro ou encore le renvoi d’appel vers un numéro de votre choix en cas de panne

A6Telecom

Le meilleur opérateur VoIP pour une expérience client de haute qualité

Les professionnels cherchant un partenaire à leur écoute, prenant le temps de comprendre leurs besoins et de les accompagner à leur rythme trouveront leur bonheur avec A6Telecom. Affichant fièrement une note de 4 sur 5 sur le site Trustpilot, ce fournisseur VoIP peut se targuer d’avoir séduit de grands noms tels que Sport 200, Allianz ou encore Axa.

Évaluation :     

Plaçant la relation client au cœur de ses priorités, cet opérateur est un partenaire qui vous assurera une prestation sur mesure, sans contrat rigide de longue durée

Le marché des systèmes téléphoniques est en constante évolution. En choisissant A6Telecom, vous pourrez être certain d’être bien informé et bien accompagné. C’est aussi la garantie de faire affaire avec des professionnels passionnés par la VoIP et qui en connaissent tous les détails.

Ce qu’A6Telecom peut mettre au service de votre entreprise :

Le pré-décroché, qui est une fonction automatique, accueillant l’interlocuteur avec un message ou une musique, ce qui évite les appels manqués et la frustration de vos clients

Un catalogue VOIX, dans laquelle vous pourrez choisir le message de bienvenue que vos clients entendront

Un annuaire téléphonique commun à toute l’entreprise

Un serveur vocal interactif

Des pack SMS prépayés, pour que vous puissiez envoyer de courts messages marketing à vos clients sur leur téléphone

OVH Télécom

Le meilleur opérateur VoIP au service des entreprises digitales

Avec son expérience d’hébergeur web, son propre réseau de fibre et sa présence aux quatre coins du monde, cet expert mettra tout en œuvre pour vous assurer un débit à internet maximal et un service optimal.

Évaluation :    

En savoir plus : OVH Telecom, l’avis 2020

L’aventure d’OVH dans la téléphonie a commencé alors que l’entreprise ne parvenait pas à trouver d’offre satisfaisante sur le marché pour ses propres besoins. OVH Télécom est né en 2007 avec l’idée de proposer des offres financièrement raisonnables et performantes. Aujourd’hui, l’opérateur défend toujours les mêmes valeurs, proposant des abonnements très attractifs, parfois sans engagement, tels qu’une ligne VoIP à seulement 0,99 € HT/mois.

Choisir OVH Télécom peut être particulièrement intéressant pour les entreprises numériques ayant besoin de la technologie VoIP mais aussi d’un accès à internet neutre et sans bridage.

Ce qu’OVH Télécom peut mettre au service de votre entreprise :

Des alertes par SMS ou e-mail en cas de problèmes avec la ligne

Un outil d’autodiagnostic permettant de résoudre les problèmes mineurs survenant sur la ligne

Des guides d’assistance en ligne disponibles à tout moment en cas de problème

Plusieurs fonctionnalités telles que les conférences téléphoniques, le renvoi et le rejet d’appels, le serveur vocal interactif, les historiques… 

Un compte fax et un nom de domaine inclus dans certains abonnements

En 2019, plus de 2 500 personnes nous ont fait confiance pour trouver un fournisseur adapté à leurs besoins. Alors, pourquoi pas vous ? DEMANDER DES DEVIS

Keyyo Communications

Le meilleur opérateur VoIP au service des TPE et PME

Voici un opérateur plébiscité par les PME et qui a fait de la VoIP son fer de lance. Keyyo Communications connaît parfaitement les problématiques des petites entreprises et a à cœur de simplifier la vie de ses clients. C’est pour cela que plus de 18 000 TPE et PME ont choisi cette société française.

Évaluation :     

Keyyo Communications est un opérateur multi-opérateurs. L’entreprise ne dispose pas de ses propres réseaux mais utilise les réseaux de d’Orange et de SFR. Cela vous garantit un réseau de qualité où que vous soyez.

Le mot d’ordre de Keyyo Communications est la personnalisation : plus de 200 fonctionnalités vous aideront à gérer vos appels exactement comme vous le voulez, de la musique d’attente à la gestion des appels en simultané. Son service client est basé en France et l’entreprise dispose d’un réseau de 200 techniciens certifiés.

Ce que Keyyo Communications peut mettre au service de votre entreprise :

La numérotation abrégée, qui permet d’appeler quelqu’un sans entrer son numéro de téléphone en entier

Des fonctionnalités telles que l’enregistrement de vos appels, les conversations à 3, l’envoi de SMS et la création de listes noires

La possibilité de définir un numéro de secours et de crypter vos appels

La réception des messages vocaux par e-mail

La réception des fax convertis en PDF par e-mail

Standard VoIP

La disparition du RTC oblige les entreprises françaises à se tourner vers la VoIP, qui sera, à terme, la technologie de téléphonie la plus répandue en France.


SFR Business

Le meilleur opérateur VoIP pour un service fiable

Ce grand nom de la téléphonie en France peut compter sur le soutien de plusieurs partenaires tels que Nokia, Alcatel-Lucent ou Cisco, l’aider à délivrer un service impeccable à ses abonnés professionnels.

Évaluation :    

C’est dans la fiabilité que SFR Business excelle : vous ne souffrirez jamais plus d’une panne téléphonique pendant des heures ! L’opérateur garantit un temps de rétablissement de moins de 4 heures. De quoi rassurer les chefs d’entreprise qui ont forcément d’autres problèmes à gérer.

Ce que SFR Business peut mettre au service de votre entreprise : 

Toutes vos lignes VoIP regroupées dans un seul contrat

Possibilité d’appeler tout type de numéro, même les numéros spéciaux sans charge supplémentaire

Un service client disponible de 8h à 22h du lundi au samedi et un réseau de nombreuses boutiques

Des options de dépannages pouvant être élargies jusqu’à 24h/24

Économisez du temps et de l’argent en comparant les offres des meilleurs fournisseurs du secteur ! C’est simple, rapide et gratuit. DEMANDER DES DEVIS

Notre avis

Chaque entreprise est différente et a des besoins différents. Mais une chose est sûre : votre entreprise a besoin de la VoIP. Bien que cela soit une vérité générale aujourd’hui, toutes les offres ne se valent pas et il vous faudra faire attention à bien choisir celle qui saura combler les besoins de votre entreprise, de vos collaborateurs et de vos clients.

Bien qu’Orange Pro soit, de loin, le plus connu des fournisseurs VoIP, il est important de comparer son offre avec les autres acteurs du marché. Si votre entreprise de taille réduite nécessite un traitement spécifique aux TPE et PME, alors Keyyo Communications pourrait être votre fournisseur idéal. 

Si l’accompagnement, le conseil et le professionnalisme sont au centre de vos préoccupations, alors A6Telecom sera un partenaire de choix. Cet opérateur vous permettra d’optimiser, personnaliser et gérer toutes les facettes de votre système téléphonique avec un accompagnement à votre rythme.

Maintenant que vous en savez plus sur les opérateurs proposant la VoIP, n’oubliez pas que le plus important est de toujours comparer les offres. Vous pourrez ainsi économiser de l’argent tout en ayant un service optimal. Comment faire ? C’est très simple : il vous suffit de remplir ce questionnaire. Cela vous prendra une minute et vous recevrez ensuite des devis gratuits.

La VoIP : FAQ

Qu’est-ce que la VoIP ?

La VoIP, soit Voix sur IP, est tout simplement le fait de diffuser la voix par votre réseau numérique (internet par exemple) plutôt que par votre ligne Numéris ou analogique. Son atout principal est la réduction du coût des communications téléphoniques, particulièrement à l’international.

Qu’est-ce que le RTC ?

Cet acronyme signifiant Réseau Téléphonique Commuté est un réseau téléphonique fixe permettant uniquement de transporter les communications téléphoniques. Appelé réseau analogique ou Numéro, le RTC passe par la prise en T, devenue populaire dans les foyers français et les entreprises à partir des années 80.

Quel est le rapport entre le RTC et la VoIP ?

L’opérateur historique français Orange a prévu de fermer le réseau traditionnel RTC dans les années à venir pour privilégier l’utilisation de la VoIP, une technologie plus fiable et moderne et à l’entretien moins coûteux. L’opération se fera petit à petit, les premières fermetures de lignes commençant en 2023. C’est donc le moment de trouver une alternative et de trouver la meilleure offre au meilleur prix.

Quand est-ce le RTC sera-t-il coupé ?

Orange a découpé le territoire géographique en plusieurs parties pour que la fin du RTC soit progressive. C’est à partir de 2023 qu’Orange remplacera les lignes du RTC par des lignes numériques. Les utilisateurs seront mis au courant 5 ans avant la date de modification.

Je suis utilisateur RTC, que dois-je faire pour passer à la VoIP ?

La première chose est de vérifier vos équipements. La plupart des équipements téléphoniques sont compatibles à la technologie VoIP. Seuls les équipements très anciens n’y sont pas adaptés. Mais si ces appareils sont connectés au réseau électrique, vous pouvez les connecter à votre nouvelle box en utilisant un câble. 

Concernant votre abonnement, c’est le moment d’étudier vos options. De nombreuses offres VoIP sont proposés aux professionnels pour les inciter à passer à la VoIP.

Que se passera-t-il si je ne veux pas passer à la VoIP ?

Sachez que les lignes RTC seront maintenues tant qu’Orange pourra assurer leur maintenance. Néanmoins, cette solution est incertaine. Rappelez-vous qu’en optant pour la VoIP, vous économiserez de l’argent pour la même qualité de service sans devoir changer votre équipement. Il existe donc peu de raisons de garder sa ligne RTC jusqu’à la date de fermeture du réseau.

Besoin d’une solution VoIP ? Comparez les devis et économisez du temps et de l’argent ! JE COMPARE

En savoir plus

Plus moderne, plus fiable, plus performante et moins chère, la VoIP a de beaux jours devant elle ! Et les nombreux opérateurs français qui se partagent ce marché l’ont bien compris en créant des offres compétitives et intéressantes. Ainsi chaque type d’entreprise, peu importe sa taille ou son secteur, peut trouver une offre sur-mesure, répondant exactement à ses besoins.

Maintenant que vous savez tout de ces fournisseurs VoIP, pourquoi ne pas comparer leurs devis et faire le meilleur choix pour votre entreprise ? Pour cela, il suffit de répondre à ce court questionnaire, qui nous permettra de cibler vos attentes. C’est rapide, simple et gratuit.

Orange Pro | Standards téléphoniques | Avis 2020

By Maïté Bouhali | Rédactrice

Logo Orange

Avantages :

  • Des solutions sur-mesure
  • Un grand choix d’offres
  • Un service client disponible par téléphone 24h/24 et 7 jours sur 7

X Inconvénients :

  • Il faut se faire guider pour comprendre toutes les offres
  • Des services de qualité qui ne sont pas à la portée de tous les budgets

En bref : Une expertise et une expérience inégalées font d’Orange Pro un opérateur de choix pour les professionnels. Un grand choix d’offres vous permet de bénéficier d’un service adapté à vos besoins. Le prix de certains abonnements peut être un obstacle mais l’étendue des offres vous permettra d’en trouver une respectant votre budget.

Anciennement France Télécom, Orange est l’opérateur historique de télécommunications (incluant les standards téléphoniques) en France. Même si Orange est aujourd’hui l’un des principaux opérateurs de télécommunications dans le monde, son principal marché reste la France. Sa filiale dédiée aux professionnels, Orange Pro, est devenue de plus en plus importante pour le groupe, réalisant 16,7% du chiffre d’affaires du groupe en 2018. D’où sa volonté de créer de nouvelles offres répondant toujours plus aux besoins des entreprises.


Quelques infos

  • France Télécom a racheté Orange PLC, un opérateur de téléphonie mobile britannique appartenant à Vodafone, en 2000.
  • Particulièrement reconnue pour ses activités d’opérateur, l’entreprise est aujourd’hui aussi active dans le secteur financier (avec Orange Bank), la culture (avec Orange Cinéma), la cyber-défense et la santé (Orange Healthcare).

Les offres principales d’Orange Pro pour les professionnels

Les trois offres principales sont :

  • Connect Pro
  • Business voix basic IP
  • Business voix Abondance IP

Elles utilisent toutes la technologie VoIP pour transmettre et recevoir des appels.

Ce tableau vous aidera à trouver l’offre la plus adaptée à votre entreprise : 

TPE et PMEEntreprises de taille moyenneEntreprises de grande taille
Connect Pro

Business voix basic IP

Business voix Abondance IP

Jetons maintenant un coup d’œill sur l’ensemble des services proposés dans ces abonnements.

Connect Pro Équilibre

Le meilleur service pour les TPE et PME

Principaux avantages :

  • Appels illimités sur les numéros fixes vers plus de 100 destinations et 2h vers les mobiles (communications illimitées vers les mobiles disponibles avec le pack Connect Pro Intense)
  • 1 à 19 lignes fixes peuvent être ajoutées à l’abonnement
  • Accueil téléphonique à personnaliser, puis enregistré en studio avec un comédien
  • Mise en attente et transfert d’appels, renvois immédiats ou programmés, conférence à 3, annuaire partagé et messagerie professionnelle

L’abonnement Connect Pro Équilibre semble simple, mais il n’a pourtant rien de basique. Il a été pensé et conçu pour les entrepreneurs et inclut toutes les fonctionnalités dont vous aurez besoin pour développer vos activités.

Une ligne VoIP est comprise dans cet abonnement. Vous avez besoin d’une ligne supplémentaire ? Il vous suffit de contacter Orange et vous pourrez bénéficier rapidement de jusqu’à 19 lignes en plus.

Entre votre boutique, votre entrepôt et votre domicile, vous êtes toujours en mouvement ? La fonction “Appels simultanés” vous permet de recevoir vos appels à plusieurs endroits, sur votre téléphone fixe, smartphone, tablette et ordinateur. Vous serez ainsi toujours joignable.

Le petit moins de cette offre

La messagerie instantanée, la conférence vidéo, l’envoi de document et le partage d’écran ne sont pas inclus dans l’abonnement. Ces services, en option, sont disponibles pour 5€ HT par mois et par ligne.

En savoir plus : Combien coûte l’abonnement Connect Pro ?

En 2019, plus de 2 500 personnes nous ont fait confiance pour trouver un fournisseur adapté à leurs besoins. Alors, pourquoi pas vous ? DEMANDER DES DEVIS

Business voix Abondance IP

Le meilleur service pour les entreprises de taille moyenne

Principaux avantages :

  • Possibilité de passer 2 à 30 appels VoIP simultanés
  • Signal d’appel, filtrage des appels sortants et spécialisation des canaux (création de lignes ne pouvant qu’émettre des appels et non en recevoir) inclus ou en option
  • Sélection Directe à l’arrivée : Chaque salarié ou chaque service de votre entreprise peut être joint directement sans passer par le standard.

Cette offre créée après l’annonce de la fin du RTC est celle qui correspond le mieux aux organisations ayant un gros volume d’appels. Entièrement personnalisable, elle se module en fonction des besoins de votre entreprise. Vous pouvez faire votre choix parmi de nombreuses fonctionnalités optionnelles celles qui vous sembleront indispensable pour votre activité. 

Business voix Abondance vous permettra de gérer votre budget au centime près, les communications étant incluses. Ainsi, si vos collaborateurs passent un certain volume d’appels au quotidien, cette offre pourrait s’avérer bien plus avantageuse qu’une offre facturant les communications au compteur.

Le petit moins de cette offre

Cette solution vous permet d’ouvrir jusqu’à 240 lignes mais ne vous permettra de gérer que 30 appels en même temps. Si vous gérez un grand nombre d’appels, cette solution, même avec les communications illimitées, peut s’avérer mal adaptée à vos besoins.

En savoir plus : Combien coûte l’abonnement Business voix abondance IP ?

Business voix basic IP

Le meilleur service pour les entreprises de grande taille

Principaux avantages :

  • Possibilité de passer de 2 à 240 appels VoIP simultanés
  • Signal d’appel, filtrage des appels sortants et spécialisation des canaux (création de lignes ne pouvant qu’émettre des appels et non en recevoir) inclus ou en option
  • Sélection Directe à l’Arrivée : Chaque salarié ou chaque service de votre entreprise peut être joint directement sans passer par le standard.

Cette offre est très similaire à l’abonnement Business voix abondance IP mais elles diffèrent sur un point majeur : le coût des communications. Avec cette offre, elles vous seront facturées au compteur

Cet abonnement vous permettra aussi de gérer jusqu’à 240 appels simultanés, ce qui vous assurera qu’aucun appel ne soit manqué. 

De ce fait, cette offre s’adresse avant tout aux entreprises gérant beaucoup d’appels entrants mais ne diffusant pas autant d’appels. 

L’un des principaux atouts de l’offre Business voix basic IP réside dans sa facilité d’installation : vous n’aurez aucun gros investissement à faire car vous pourrez garder votre équipement. Vous pourrez aussi gérer votre nombre de lignes facilement. Votre entreprise traverse une période creuse ? Vous pouvez réduire le nombre de lignes rapidement. Votre activité s’accroît rapidement ? Contactez Orange Pro et vous disposerez de nouvelles lignes en quelques instants. 

Ainsi, les mots d’ordre de cette offre sont la simplicité, l’efficacité et la flexibilité

Le petit moins de cette offre

Cet abonnement n’inclut aucune communication en illimité. Chaque communication est facturée au compteur, ce qui vous obligera à être attentif à l’utilisation de vos lignes. Si vous ne gérez que des appels entrants, cette solution sera parfaite. Mais si vous passez des appels, elle peut vite devenir très coûteuse, même si vous bénéficierez de tarifs préférentiels.

Boutique Orange

Opter pour Orange Pro, c’est pouvoir compter sur un service client disponible par téléphone à tout moment et un grand réseau de boutiques.


Combien coûte un standard téléphonique Orange Pro ?

L’abonnement

Vous serez étonné(e) de savoir que…. tout dépend des besoins de votre entreprise. Plus votre entreprise a besoin de lignes et de services, plus le montant de votre abonnement sera important.

Pour l’offre Connect Pro, au nombre de lignes très limité et aux services inclus, le tarif est facilement prévisible.

Connect Pro ÉquilibreConnect Pro Intense
Avec une ligne VoIP90 € / mois110 € / mois
Avec 2 lignes VoIP115 € / mois135 € / mois
Avec 10 lignes VoIP255€ / mois275 € / mois
Avec 20 lignes VoIP405 € / mois425 € / mois
Engagement24 mois24 mois

Adaptée aux besoins des TPE et PME, cette offre est aussi adaptée à leur budget. Ainsi, en optant pour l’abonnement Connect Pro Intense, vous serez sûr(e) de ne jamais dépasser votre budget. Avec des communications illimitées vers les fixes et les mobiles, vous pouvez ainsi facilement estimer le montant de votre facture.

Cela est beaucoup moins évident pour les deux autres offres, Business voix basic IP et Business voix Abondance IP. En effet, comme de nombreux services sont optionnels et à personnaliser en fonction des besoins de votre entreprise et de vos collaborateurs, il est difficile d’avancer un chiffre précis. Le coût dépendra essentiellement du nombre d’utilisateurs. 

Ainsi, la seule façon de pouvoir évaluer le montant de leur installation est de demander des devis. Comment ? Il vous suffit de remplir ce court questionnaire et de nous expliquer vos besoins et vos attentes. Vous recevrez ensuite gratuitement des devis !

Les accessoires

Il vous faudra prendre leur coût en compte car cela peut représenter un lourd investissement. Un entrepreneur avisé en vaut deux ! Voici donc ce que vous devez savoir sur le prix des accessoires loués par Orange Pro.

Téléphone basique26 € HT par mois par combiné
Standard téléphonique basique56 € HT par mois par combiné
Standard téléphonique premium93 € HT par mois par combiné
Casque téléphonique25 € HT par mois par combiné

Bien sûr, ces prix dépendent du modèle que vous choisirez et de ses fonctionnalités mais ce montant peut vous aider à établir un budget et à prévoir les moyens nécessaires.

Petite astuce : pour avoir une idée précise du prix que votre installation téléphonique coûtera, il vous suffit de demander un devis. Remplir ce questionnaire ne vous prendra qu’une minute ! C’est la manière la plus simple et rapide pour estimer gratuitement le coût de cet investissement.

Est-ce qu’Orange est le bon fournisseur pour mon entreprise ?

Je suis à la tête d’une petite entreprise

Les offres d’Orange Pro sont pensées pour le quotidien des petites entreprises. Le groupe prête une attention particulière aux petites et moyennes entreprises avec des offres variées et personnalisables. Comme indiqué dans son rapport financier de 2018, le but actuel de l’entreprise est d’accompagner les PME dans leur transformation numérique. Pour cela, elle aide les entreprises à rendre leur personnel plus mobile et plus connecté. 

Imaginons que vous soyez fleuriste. Opter pour Orange Pro pourra vous permettre de recevoir vos appels dans votre boutique, mais aussi dans votre entrepôt et à votre domicile, au même numéro. La communication ne sera jamais rompue entre vous et vos clients.

Imaginons ensuite que vous passiez la journée à l’entrepôt et que votre collègue gère la boutique. Vous pourrez discuter en visioconférence et partager vos documents. La communication ne sera jamais rompue entre votre collègue et vous.

Je suis à la tête d’une moyenne ou grande entreprise

Le groupe offre un service particulier aux moyennes et grandes entreprises qui ont besoin de flexibilité mais aussi de fiabilité. D’où les offres Business voix basic IP et Business voix abondance IP.

Pour que votre entreprise puisse maîtriser ses dépenses, ces offres permettent d’ajuster facilement et rapidement le nombre de lignes dont elle dispose. Les offres d’Orange s’adaptent à votre quotidien peu importe les spécificités de votre secteur. 

C’est la force d’Orange Pro : sa taille et son expertise lui permettent de comprendre les besoins des petites entreprises tout en connaissant les problématiques des moyennes et des grandes entreprises.

L’avis d’Expert Market

Il n’y a pas de doute qu’Orange Pro propose un service adapté aux besoins de tous. Que votre entreprise soit de petite taille ou requiert des moyens XXL, Orange Pro aura toujours une solution à vous proposer. Sa grande expérience est indéniablement son plus grand atout et lui confère une longueur d’avance sur tous ses concurrents.

Mais évidemment, tout service a un prix. Orange Pro n’est pas le plus abordable des opérateurs pour professionnels. Vous trouverez sans doute un peu moins cher ailleurs. Mais la qualité de ses offres, son expertise et son service client, disponible tous les jours 24h sur 24 valent le budget supplémentaire.

Souvenez-vous que savoir, c’est pouvoir. Si vous cherchez un opérateur à la hauteur des ambitions de votre entreprise, il vaut mieux demander des devis pour avoir une idée claire des solutions et de leur prix.

Ça vous parait compliqué ? C’est pourtant très simple ! Prenez une minute pour remplir ce questionnaire rapide. Il nous aidera à connaître vos besoins pour que nous puissions cibler les meilleurs fournisseurs.

Quels sont les autres fournisseurs de standards téléphoniques ?

Cet article a aiguisé votre curiosité ? Il existe de nombreux autres opérateurs de téléphonie proposant des offres dédiées aux professionnels. Nous les avons passés au crible pour vous.

OVHLire l’avis
OnedirectLire l’avis
StandardfacileLire l’avis

Best Credit Card Processing Services for Small Businesses 2020

By Maïté Bouhali | Rédactrice | 26 February, 2020

Which merchant account provider is best placed to help your business boost sales, improve efficiency, and fuel growth?


For cash-only businesses, the scene is all too familiar. It’s 8:17am, right in the middle of morning rush hour, and the queue is stretching way beyond the door to your cafe. You’re struggling to make coffee, take payments, count out the correct change, write out receipts, and keep track of inventory. Rushed off your feet, you get an order wrong. Your palms sweat; your head aches.

Frustrated, the customers at the back of the line begin to drift away. How do you keep up with demand? How do you save time, satisfy customers, and speed up service? There’s got to be a better way… right?

Right – and it’s called credit card processing. By accepting contactless payments, you can increase the efficacy of your service, and reduce the need to carry (and handle) lots of change, or check for counterfeit bills. And, with an integrated point of sale (POS) system, you can track sales, scan items, and manage staff and stock, all from your countertop.

And now, it’s easier than ever to choose the right credit card processing company for your small business. We’ve picked out our top six providers, whose understandable rates and friendlier contract lengths make them ideal for small businesses and micro-merchants. Which one’s right for you?

Whether it’s Square for simplicity, Toast for transparency, or Fattmerchant for fewer fees, read on to explore the benefits a merchant account will bring to your small business.

small business credit card processing
Did You Know?

29% of US adults say they make no purchases with cash in a typical week.


Best Credit Card Processing Companies for Small Businesses

We compared the hundreds of credit card processing companies in the US, looking for the lowest rates, the most transparent pricing, and the shortest, most manageable contracts. It all boiled down to just six credit card processing providers – the absolute best for small US businesses

So, who came out on top? 

Well, we found Square to offer the best credit card processing for small businesses, particularly micro-merchants. Making up the best of the rest are Flagship Merchant Services, Helcim, Toast, Fattmerchant, and Fiserv.

Let’s find out why.

Best small business credit card processing companies:

Did You Know?

It’s estimated that there are more than 55 million micro-merchants worldwide.


Square

Best for micro-merchants

Market traders, christmas tree vendors, and pop-up stores, take note! Square charges no monthly fees, no setup costs, and nothing for its card machine, either. You’ll pay only a fixed fee of 2.6% + 20 cents on each face-to-face transaction you take through the Square card reader. There are no hidden fees and no regular billing, making Square ideal for micro-merchants and seasonal businesses. Better still, Square’s range of solutions for accepting card payments – whether via invoice, over the phone, or through your website – make it a perfect partner for ambitious retailers looking to scale.

Pros:

  • Handles PCI compliance for you
  • No credit check required to get started!

X Cons:

  • Square can be expensive – its virtual terminal transaction fee is a grimace-inducing 3.5% + 15 cents
Did You Know?

Square is tailor-made for small businesses. 61% of businesses using Square process less than $125,000 in annual sales.

Join the ranks of small businesses already processing thousands of dollars per month with Square… Try it now

Flagship Merchant Services (FMS)

Best for short, straightforward contracts

Whether it’s a gym membership or a cell phone contract, nobody likes being locked into a long term deal – especially growing SMBs. It’s a breath of fresh air, then, that Flagship Merchant Services offers month-to-month contracts to every single one of its small business customers – and no surprise it has over 25,000 of them! On top of that, you’ll get a $200 AMEX gift card if FMS can’t at least match your current processing rate. FMS also partners with highly-rated POS terminal provider Clover, providing you with free hardware to speed up sales, and help give your countertop a makeover.

Pros:

  • Offers same-day funding, the quickest in the industry
  • Accepts Apple Pay, Google Pay, and Samsung Pay

X Cons:

  • Its rates aren’t transparent, and online customer reviews aren’t too hot

Helcim

Best for fair, transparent pricing

Helcim prides itself on providing ‘honest credit card processing’ – and we’d have to agree. Helcim’s ‘Interchange-plus’ pricing plan makes it obvious what your fees are and where they’re going. You’ll know exactly what Helcim is charging for its service, meaning you get none of the ugly fees often concealed within the ‘convenience’ of a blended rate. As well as ethical, crystal clear (and surprisingly affordable!) rates, with Helcim, you’ll also benefit from volume discounts, and a complete lack of cancellation fees. It’s a small business’ dream!

Try Helcim’s handy cost calculator to find out more about what your business would pay. Simply enter a few details about your industry, processing volume, and your average transaction value, and you’ll get an exact figure as to what you’ll pay.

Did You Know?

Credit card processing costs are split into two main camps. ‘Wholesale’ fees are mandatory, and go towards the banks and card associations. ‘Markup’ fees go to your merchant account provider… and are negotiable.

Find out more about the real cost of credit card processing here.

Pros:

  • Excellent customer support
  • Brilliant ecommerce tools to jump-start your online business

X Cons:

  • You’ll need to be processing around $1,500 per month in card payments for it to be cost-effective

Toast

Best for POS integration (it’s the whole package!)

Anyone who’s ever served a customer knows that simply taking the payment isn’t enough; you’ll also need a system for keeping tabs on sales, and making sure you’ve got sufficient stock in the back room. Well, that’s exactly what Toast does – simple credit card processing for small businesses, combined with sleek POS hardware, and intuitive software to match. Toast also provides offline payment processing, as well as a solution that’s 100% PCI compliant. Oh, and Toast will also build you a customized rate to reflect the unique mix of cards your business accepts – so you can be confident you’re getting the best deal possible for your SMB.

Pros:

  • Offers integrated payroll, labor, stock management, and sales analytics functionality
  • Purpose-built for businesses in the hospitality trade...

X Cons:

  • … so if you’re not a restaurant, pub, cafe, or hotel, you’re better off looking elsewhere

Fattmerchant

Best for accepting high value transactions

If your business needs to accept a lot of high value transactions, Fattmerchant’s subscription model could save you hundreds of dollars per month. Yep, Fattmerchant strips away those pesky, tacked-on costs to your bill – you’ll pay no batch fees, statement fees, or PCI compliance costs – and there’s no charge to cancel, either. You’ll just pay a monthly fee starting at $99, plus 8 cents per transaction. Better still, Fattmerchant offers credit card processing that’s handmade for industries such as retail, healthcare, and field services – meaning it understands the unique challenges faced by your business’ niche.

Pros:

  • Offers next-day payouts into your business bank account
  • Excellent customer reviews online

X Cons:

  • Not suitable for seasonal businesses, or those dealing mainly in lower value sales

Fiserv

Best for accepting a wide range of payments

If your business deals with a high volume of transactions (and you know how to negotiate!), then Fiserv is for you. As well as no termination fee and month-to-month terms, you can barter Fiserv down to some of the lowest rates in the industry. It also works with Clover to provide sparkling POS systems for managing sales, stock, and staff – and impressing your customers. Plus, Fiserv lets you tap into the Chinese market, allowing you to accept payments from leading Eastern payment provider Alipay. Oh, and the perks don’t stop there – if you’re a veteran or military spouse, you’re eligible for benefits, including a free Clover Mini POS system!

Pros:

  • Offers a customer loyalty program to help drive engagement and returning visitors
  • Excellent reporting and analytics features

X Cons:

  • It’s trickier to apply for a merchant account than it is with other companies, such as Square

Next Steps

It doesn’t matter whether you run a coffee shop or a stall at a farmer’s market; heck, you could even be a plumber operating out of the back of a van. The fact is, if you’re a small business – and you want to make paying a quicker, safer, and less stressful experience for your customers – then you should explore what accepting cashless payments can do for you.

If you have one eye on the future and want to accept a wider selection of payment methods, Fiserv is your best bet. For honest, simple pricing, we recommend Helcim, while Flagship Merchant Services offers shorter, more straightforward contracts. 

When choosing a credit card processing company for your small business, though, you’ll also have to consider the volume and value of the transactions you’ll be accepting. If these will be high value, Fattmerchant’s pricing plan offers big benefits. If, however, those sales will be small – or spaced out at more infrequent intervals throughout the year – you’ll want a flat-rate from a provider such as Toast, or Square.

On the topic of Square, our love for its fixed fees, ease of use, and simplified payment handling is well-documented. It’s our number one credit card processing pick for small businesses – and you can have your free card reader in the mail today. Simply hit the button below to explore how much you could save with Square.

Get your free contactless or magstripe card reader from Square Apply now

FAQs

What’s the best online credit card processing for small businesses?

Our top pick for online credit card processing is Helcim. Its fully hosted ecommerce platform will help get your online presence firing on all cylinders in no time, and allow you to process payments as smoothly and securely as possible. 

And, if you love to tinker, its set of third-party shopping cart integrations and developer APIs (Application Programming Interfaces) empower your team to customize to their heart’s content.

Is a point of sale system always included with a merchant account?

Nope – so, if you know you’ll need a POS system, you’ll need to check what the deal is with your merchant account provider. Usually, POS systems are available as add-on options available at an extra cost. Some providers (such as Flagship Merchant Services (FMS) and Fiserv) have deals with POS suppliers (in their case, Clover), while others (think Toast) offer an integrated POS and processing solution.

Will my business face a credit check to be accepted for merchant services?

That depends on which provider you select. Traditional merchant account providers (such as Flagship Merchant Services, Helcim, and Fiserv) all include a credit check as part of the application process. In most cases, you’ll also need a good credit score to be eligible.

We found Square to be the best credit card processing company for small businesses that doesn’t require a credit check. You can apply online in a matter of minutes, and have all the hardware you need to accept card payments on your counter within the week. Hit the button below to see what all the fuss is about!

Get your free contactless or magstripe card reader from Square Apply now

Credit Card Processing Fees 2020

By Maïté Bouhali | Rédactrice | 21 February, 2020

Your ultimate guide to navigating the pitfalls and potholes of accepting credit and debit card payments at your business


So, you want to start taking card payments? Wise move.

With the popularity of Apple Pay, the recent rebrand of Android (now Google) Pay, and the continued growth of debit and credit card payments here in the US, accepting cashless payments is one of the easiest decisions your business will make this year.

What’s less easy, though, is getting to grips with the complex combination of credit card processing fees that come with maintaining a merchant account. With your bank, your customer’s bank, the card brands, your payment provider, and a whole bunch of other financial institutions all taking a cut of each payment you accept, it’s a pretty baffling business.

Worse still, many merchant account providers take advantage of this confusion – tucking costs away in the fine print, and hiding fees behind the smoke and mirrors of indecipherable pricing plans. What can you do to cut through the noise and get the right deal?

Let’s face it – the only way to avoid being locked into a long contract where you have no idea what you’re paying… is to know exactly what you’re paying

So read on, as we break down all the different types of credit card processing fees. We’ll cover exact ranges of what you’ll pay in costs, who those fees go to, and how to get the best value for your business.

credit card processing fees

We’ve all paid with a card before… but do we really know how much it costs to accept one?


Types of credit card processing fees

Wholesale vs. markup fees: What’s the difference?

At the top level, you can divide your credit card processing fees into two camps: wholesale and markup. Wholesale fees are set by the card issuing banks and the card associations involved in the transaction, and are fixed rates. 

Wholesale fees aren’t negotiable – you just have to grit your teeth, shrug your shoulders, and pay up. The two most common forms of wholesale credit card processing fees are called interchange and assessments.

Markup fees, however, are negotiable. As the name suggests, markup fees are additional costs applied by the other parties in a credit card transaction – namely the payment gateway, the payment processor, and the merchant services provider.

Transactional, scheduled, and incidental fees

Under the umbrella of wholesale and markup fees, credit card processing costs fall into three additional categories:

Transactional fees are paid every time you accept a credit or debit card payment. They usually consist of a percentage of the transaction’s value, or a percentage plus a flat-rate (say, 1.8% + 20 cents). Interchange fees will make up the largest portion of your wholesale fees in this category, while the processor’s rate markup is your main markup fee here.

Scheduled fees are billed on a more consistent basis, usually monthly. These fees include wholesale costs such as the Fixed Acquirer Network Fee (FANF), as well as markup costs that go to maintaining your account (terminal fee, statement fee), and ensuring you fulfil your legal and tax obligations (PCI compliance fee, IRS reporting fee).

Incidental fees occur on a more irregular basis – and usually never when you want, need, or expect them. While incidental fees refer to the one-off costs that can come with opening up a merchant account, they often crop up when something’s gone wrong. 

Processing integrity fees are the only wholesale incidental charges you’ll come across. Markup incidental fees, however, are myriad – and include set up costs, Address Verification Service (AVS) fees, as well as fines for chargebacks and PCI non-compliance.

Where do your credit card processing fees go? 

Credit card processing fees go to the financial institutions involved in processing the actual transaction. 

For wholesale fees, these are:

The card issuer (or card issuing bank). This is any bank that provides credit or debit cards to consumers (think Chase and Bank of America). The card issuers set the rates for (and collect) the interchange fees you pay. 

The card associations. These are networks of banks responsible for processing transactions made with a specific brand of card (American Express, Visa, Mastercard, and JCB). Card associations take their cut in the form of assessments fees, a wholesale cost you’ll hear more about soon.

Markup fees are collected by:

The credit card processor (specifically, the merchant services provider). This is the entity in charge of handling debit and credit card transactions on behalf of your business. Your merchant account provider levies these fees to cover its own wholesale costs, pay for third-party services, and make a tidy profit.

The payment gateway. This is a piece of software that helps verify, secure, and authorize the transaction. While some processors provide in-built payment gateways, most have to outsource. This costs money, and you can bet those processors are passing that check straight on to you!

So, now you have a rough idea of the shape that credit card processing fees will take when they’re applied, and who that money is going to when it leaves your account. 

But what are those fees, exactly – and how much will they set you back?


Transactional fees

Here are the fees you can expect to pay on every transaction your business takes with credit or debit card.

Wholesale transactional fees

Interchange fees

Interchange fees are the biggest expense you’ll pay per transaction. These rates are set by the card issuing banks, are non-negotiable, and are sadly unavoidable, too. That said, exactly what you’ll pay in interchange fees per transaction depends on how the payment is processed (i.e. swiped, dipped, keyed, or contactless), as well as the type of card your customer uses (i.e. debit, credit, rewards, personal, or corporate).

Interchange rates are one of the more visible credit card processing fees you’ll pay. Visa and Mastercard both publish their rates online, though you’ll need to wade through a lot of numbers to dig out the figures most relevant to your business.

Typical interchange fees consist of a percentage of the transaction’s value, plus a flat-rate on top. Most rates hover between 1 and 3% of the payment, plus a fee of around 10 to 20 cents (for example, 1.5% + 15 cents).

Assessments fees

Assessments fees go to the card associations, such as Visa, Mastercard, Discover, and American Express, to compensate them for their role in the transaction. 

Assessments fees will vary depending on the card brand, the type of card (credit/debit) used to pay, and whether the transaction takes place within the US or internationally. Assessments fees range from around 0.12% to 0.15% on each card transaction you accept.

Markup transactional fees

Processor’s rate markup

As well as the wholesale fees above, you’ll also be liable to pay a processor’s rate markup fee. This (highly negotiable) fee is added on by the company you choose to process your payments with.

However, it’s not always easy (if at all possible) to differentiate the processor’s rate markup fees from the ones you have to pay. That’s because there are four different pricing plans commonplace in the industry. Where one plan might clearly list each fee and where it comes from, another will bundle all the costs together and slap you with a single, static fee for all transactions. 

Of these four, the plan that’s best suited to you will depend on your business’ size and sales volume. Skip to our pricing plan section below to find the one that’s right for your SMB.


Scheduled fees

Here are the fees you can expect to pay on an ongoing basis most likely every month.

PIN debit network fee

This is a charge for accepting PIN debit (when your customer enters a four-digit code – rather than signing – to authorize a payment) transactions. If your business accepts these kinds of payments, you’ll be liable to pay a PIN debit network fee of around $50 to $60 per year.

Mastercard merchant location fee

To use its service, Mastercard charges businesses a fee of $15 per year, per location (though this is just $3 per year if you’re using a payment facilitator, such as Square). Your merchant services provider may mark this up – so keep an eye out for this one on your statement, and remember to negotiate before signing a contract!

Fixed Acquirer Network Fee (FANF)

This is a fancy name for a fee Visa charges merchants every three months. As the name suggests, it’s a flat, fixed fee – though exactly what you’ll pay depends on your sales volume, and the type of business you run.

Monthly fee

Monthly costs are added to your bill by your credit card processor, and mostly go towards maintaining a good standard of customer support. Depending on just how high that standard is (or how greedy your merchant services provider is), these fees can range from anywhere between $5 and $100 per month.

Annual fee

Often levied under the dubious justification of ‘maintaining your account’, some processors will also charge an annual fee of up to $300 per year. We’d suggest thinking very carefully about partnering with a merchant account provider that charges an annual fee, particularly if monthly fees also apply.

PCI compliance fee

The Payments Card Industry Data Security Standard (PCI DSS, or PCI for short) are a set of guidelines that all merchants accepting card payments have to follow.

If your business is compliant, you’ll be eligible for this scheduled fee, to help ensure it remains so (it’s around $5 to $10 per month). If you’re not compliant, however, well… that’s an even uglier charge, which we’ll get into below.

Monthly minimum fee

When you open a merchant account, there may be a monthly minimum ‘fee’ specified in your contract. This is a set amount in transaction volume that you’ll be required to meet each month.

If, for whatever reason, sales are bad and you don’t meet this threshold – and thus don’t end up paying the required amount of fees to your credit card processor – you’ll have to face this cost. It’s generally around $25 per month.

Terminal fee

If you opt for a traditional merchant account provider, chances are you’ll have to pay a fee to rent or lease your card machine – usually on a monthly basis. With costs ranging anywhere from $5 to more than $50 per month, it’s a frustrating fee – and one that adds up quickly.

The good news, though, is that if you opt for a payment facilitator such as Square, iZettle, or SumUp to process your payments, you won’t have to worry about this. These credit card processors offer their terminals at nominal costs (sometimes free!), and they’re yours to keep.

Get your free card reader from Square now

Statement fee

You’ll only pay this if you (or your provider) have deemed it necessary to receive your processing bills in the mail. If you have, you could be stung with as much as $10 per month in costs! Our advice? Get everything sent out electronically, and bypass the statement fee completely.

Payment gateway fee

Kind of like the terminal fee above (but for ecommerce businesses), the payment gateway fee goes to covering the costs of businesses accepting card transactions online, or via keyed transactions. 

This cost amounts to around $10 to $20 per month, or may take the form of a small percentage of each ecommerce transaction.

IRS reporting fee

Records of all credit and debit card payments you accept at your business will need to be passed on to the IRS, for tax purposes. Your credit card processor will do this for you, and the IRS reporting fee ($25 per year) is what they charge for it.


Incidental fees

Here are the fees charged neither on an ongoing basis, nor per transaction. The following costs are applied on a one-off basis, or as penalties for failing to comply with industry standards.

Wholesale incidental fees

Processing integrity fees

Like assessments fees, processing integrity fees go to the card association brands – Visa, Mastercard, American Express, JCB, and Discover. Unlike assessments fees, though, you’ll only face a processing integrity fee if you’ve done something wrong

Among the reasons you might be penalized are if a transaction isn’t settled within 24 hours, Address Verification Service (AVS) isn’t applied to keyed transactions, or if a payment isn’t authorized to the standards of the relevant card association.

Visa’s integrity fee is $0.10, while Mastercard charges a minimum of $0.040 for breaches. American Express will penalize you 0.75% for non-compliant transactions, but these aren’t as common as they are with Visa or Mastercard. Discover doesn’t disclose its processing integrity fees.

Setup fee

When you enter into a credit card processing agreement, some providers will charge a one-off establishment fee. This doesn’t go towards anything except lining the merchant account provider’s pocket, so the provider can essentially charge as much as it wants – though it won’t be more than $100.

Our top tip? Negotiate this fee away, or walk away.

Chargeback fee

You’ll probably have already heard of the trouble that a chargeback can cause. When a customer disputes a card payment they’ve made through you, it gets investigated. If the customer is ruled to be in the right, the sale is refunded, and you get slapped with an extra fee of anywhere between $10 and $30 per chargeback. Ouch!

Early termination fee

Most merchant account providers will charge a fee if you want to get out of a contract early. It can be anywhere from $200 to $1,000, so if you’ve got designs on leaving a contract early, look to negotiate a lower cost here. Or, better still, choose a payment facilitator such as Square. They won’t rope you into contracts, and almost always operate on a pay-as-you-go basis.

Benefit from Square’s simple, fixed rate payment processing Try Square now

Account closure fee

This fairly self-explanatory fee is levied when you close your account – whether early or otherwise. It can come in anywhere between $15 and $70.

Address Verification Service (AVS) fee

Businesses that rely on accepting card payments over the phone, or via mail, need to know about the AVS fee. AVS is required as an extra layer of security when verifying keyed card transactions, so a charge for the service is a given.

The AVS fee is applied to all payments where a card’s details are keyed in, and costs between 5 and 25 cents per transaction.

PCI non-compliance fee

This is a monthly fee you’ll be liable for if your business fails to meet the PCI’s rigorous list of standards. Find them here.


Pricing structures

In the baffling, convoluted world of credit card processing, it’s not just the names and nature of the fees themselves that you need to understand – it’s how they’re priced, packaged, and presented to you, too.

Because no matter how well you understand the myriad fees involved with accepting credit card processing, the pricing plan you choose is crucial to your success. Pick the right one, and you’ll be getting the absolute best deal for your business, saving money on every transaction, every day. Select the wrong plan, and the consequences could be dire.

Don’t fall into the trap of being rushed into the wrong plan by a good salesperson – take a couple of minutes to explore all of your options below.

Interchange-plus

Best for businesses seeking transparency

This plan offers the most transparent pricing, listing all wholesale fees on your statement as separate from the markup fees. This way, it’s easy to see what you’re paying because you have to, and what you’re paying as arbitrary additions to the provider. 

Knowing this makes it easier to re-negotiate better terms in the future, or find yourself a better deal elsewhere when your current contract ends.

Example interchange rate: 2.2% + 20 cents (varies dependent on the card and transaction type)

Subscription

Best for businesses with large transactions

Like the Interchange-Plus plan, a subscription plan itemizes wholesale and markup fees separately. However, your interchange fees will come as a flat rate, rather than as a percentage of each transaction. On top of this, you’ll pay a monthly ‘subscription’ fee for your merchant services.

For this reason, it’s ideal for businesses looking to accept higher value transactions. Rather than have your merchant account provider take a cut of your profits, you’ll just pay a predictable, fixed fee to take card payments.

Example interchange rate: 0% + 10 cents per transaction, plus $79 per month

Tiered

Best for nobody

Tiered pricing divides transactions into three levels; qualified, mid-qualified, and non-qualified. Qualified transactions cost the least to process, while ‘non-qualified’ are the most expensive.

To classify as ‘qualified’, transactions usually have to be swiped and signed for, and involve a debit or non-rewards card. If you take a card payment through a more ‘risky’ method (such as a virtual terminal, where the cardholder isn’t present at the point of sale), or with an international or rewards card, your transaction will be classified as one of the two higher tiers. 

The trouble with this pricing plan is that how merchant account providers organize their ‘tiers’ isn’t regulated, or standardized in any way. This means rates can differ massively between providers, and the lack of transparency makes it hard for merchants to know how much their credit card processor is making off them.

For this reason, we don’t recommend this pricing plan to anyone.

Flat-rate

Best for small businesses and sole traders

Flat-rate pricing offers ultimate simplicity. With this plan, all credit card processing costs – whether wholesale or markup – are blended and packaged in one single fee (usually a percentage of each transaction). You’ll pay the same rate, regardless of the card’s type (credit/debit) or brand (American Express, Visa, Mastercard etc,).

Sure, that simplicity comes at the cost of some transparency around what you’re paying. And having a single, set cost for large and small transactions alike means that we certainly wouldn’t recommend this model for larger merchants. 

But for small businesses – such as market traders, seasonal enterprises, and micro-merchants – the lack of ongoing monthly fees (or a credit check) is simply too good a deal to ignore.

Example interchange rate: 1.75% per transaction

Next Steps

Congratulations! You’ve successfully navigated the stormy seas of credit card processing fees. Now it’s time to get out there and secure the best deal for your business. 

But, err, how? 

We’ll leave you with our three top tips to help you secure the right merchant account.

1. Negotiate!

Remember, the only fees you can’t get out of are the wholesale ones. Everything else is up for negotiation! Setup and annual costs are some of the easiest to wriggle out of, though you should be able to haggle your provider down to lower transactional fees, too.

2. Shop around 

There are countless companies in the US offering merchant services, and they all want your business. That puts you in a powerful position, so don’t be afraid to take your time, say no to low prices and flashy-sounding offers, and do your research.

3. Avoid tiered pricing

Tiered pricing is one of the easiest plans for providers to market, but comes with the fewest benefits for merchants. With tiered pricing, markup and wholesale rates are indistinguishable, and it’s likely that fees will lurk concealed within the specifics of the contract. Avoid!

It’s not all bad, though. In fact, signing up for merchant services can be as simple as filling out a few details online. With Square, for instance, you can order your free card reader in moments, and be taking payments within the week. No PCI fees, no credit check – just transparent pricing, and a single, understandable fee across all transactions.

Order your free card reader from Square Do it now

FAQs

Are credit card processing fees illegal?

Nope – it’s not illegal for merchant account providers to charge markup fees for using their services. Moreover, the amount processors are allowed to charge isn’t regulated, meaning they’re free to add in whichever hidden or extra fees they feel like. Frustrating? Yep. Unethical? Yep. Illegal? Nope.

What are Visa’s credit card processing fees?

Visa’s interchange rates are free to view on its website, along with the charge it levies for transaction integrity ($0.10), assessments fees (0.13 to 0.14%), and international acquirer fees ($0.45%). 

What are Mastercard’s credit card processing fees?

Mastercard also publicizes its rates clearly online. Along with its cross border fee (0.60%), AVS fee ($0.01), and Network Brand Usage Fee (NABU) ($0.0195), you’ll be able to find clearly signposted information regarding its interchange rates and assessments fees, too.

Square Credit Card Processing Review 2020

By Maïté Bouhali | Rédactrice | 17 February, 2020

Is it hip to use Square?


square logo large

Pros:

  • Simple, flat-rate pricing
  • Pays out in as little as one day
  • Electrifyingly good mobile app
  • Works with Wix and Ecwid to help you build a website, then sell through it
  • No credit check required

X Cons:

  • Not suitable for larger businesses or high-risk industries
  • Not as cheap as mobile card readers such as iZettle and SumUp
  • Add-ons can quickly become expensive
At a glance: With an impressive range of products, strong aesthetic appeal, and a firm focus on small businesses, Square is a secure, simple, and stylish card reader for the modern age.

Square is a mobile payments provider that specializes in empowering the world’s millions of small businesses to accept credit and debit card payments. Founded by Jack Dorsey (founder and CEO of Twitter), Square has seen a similar rise to prominence since it first hit the counters of small businesses in 2009. But is it right for yours? 

Let’s find out.


What are Square’s Features and Benefits?

Square offers a range of credit and debit card readers for your physical store, as well as a complete system for accepting payments through your website, over the phone, or via invoicing

The benefits include speed, security, style, and simplicity… but we’ll let Square’s impressive range of products do the talking.


Square card readers

Square offers a few different types of card reader. Which one is right for you?
square magstripe card reader

Square magstripe card reader

The first type is for taking swiped card transactions. The Square magstripe card reader plugs directly into your phone or tablet, either via the headphone jack or the lightning port (for the Apple lovers out there). Square’s magstripe reader costs $10 on its own, though the company is offering it for free to ‘eligible’ merchants.

square contactless card reader

Square contactless card reader

Square’s other card reader is a terminal for accepting NFC (near-field communication) contactless and dipped card payments. It costs $49, but you’ll also receive Square’s magstripe reader included at no extra cost. 

Square terminal

square terminalThis reader is a kind of ‘all-in-one’ card machine. It comes with a touchscreen, allowing you to take payments, navigate your point of sale (POS), and access all the features of Square’s app from a single, intuitive interface. It looks amazing on your counter, too!

Benefits of a Square card reader

Pairs with an app, allowing you to take payments from your own devices

See funds in your account within one to two business days

Swift, hassle-free setup

Aesthetic appeal in spades

Square merchant account

As you might already know, you’ll need a merchant account to accept debit and credit card payments at your business. Merchant accounts are provided by banks and ISOs (Independent Service Organizations), who have traditionally dominated the industry with long contracts, early termination fees, and opaque, confusing pricing plans. 

Square is a bit different. The company is a third-party payment processor, so not a merchant account provider in the traditional sense. That means Square is easier to apply for, and you won’t need to go through a credit check to get accepted.

Square still does everything a merchant account does… only there’s no fine print, plenty of transparent fees, and – unlike with most banks or ISOs – PCI compliance is handled for you.

Benefits of Square vs a traditional merchant account

No credit check

No long contract

No PCI compliance fees

So, what else does Square offer?

Square payment gateway

A payment gateway is a piece of software that helps verify, secure, and facilitate online transactions. Like a merchant account, a payment gateway is a crucial part of the payments process – but, once again, Square bypasses the need for one.

That’s because Square utilizes its own networks of payment gateways and processors, taking care of the whole end-to-end payments process to ensure quick, secure credit card processing.

In plain English, that means you don’t need any additional hardware or software to accept payments online. Square partners with third-party ecommerce platform shopping carts such as BigCommerce and Ecwid, so most of the difficult stuff is already done. You’ll just pay a fee of 2.9% + 30 cents on any ecommerce transaction you accept. 

Better still, Square works with website builders, such as Wix, that’ll help you build a sparkling, polished website in no time – then start selling through it. No coding or technical expertise is required. 

Benefits of selling online with Square

Build a beautiful website, without the need for code (or even the know-how)

Secure, encrypted transactions afford ultimate peace of mind

You’ll pay the same rate for every card, and fees are transparent and straightforward

Create a beautiful ecommerce site with Square Why not?

Square virtual terminal

square virtual terminal
All that said, you don’t need a website to take payments online. Instead, you can use Square’s virtual terminal. It’s a secure webpage into which you can log in, enter your customer’s card details, and take the payment. You aren’t required to buy, download, or maintain any software, either – just accept secure, speedy payments, straight from your browser.

Sure, Square’s virtual terminal costs a little more than taking payments in-person (or through a website), but it’s ideal for businesses that rely on telephone or mail order transactions. It can also be used for face-to-face payments, turning your laptop into a ready-made point of sale. Not bad, huh?

Benefits of a Square virtual terminal

Take payments without your customer being present

Receive funds as quickly as the next business day

Bill returning customers with ease

Square mobile app

All of Square’s products are underpinned by Square’s clever, clean-looking mobile app, called Square Point of Sale. As well as taking (and tracking) sales and tips, the app also lets you send invoices, add and customize your products (pictured), and action refunds. You can also send receipts via email, manage your inventory, and log cash payments with ease.

square point of sale app interface

Square Loyalty

Better still, Square’s app can provide you with your own ready-made loyalty scheme, to help you reward your best customers. With prices starting at $45 per month, Square’s dashboard tells you exactly who’s spending the most at your business, what they’re buying, and how much cash they’re parting with each time.

With Square Loyalty, you’ll be able to cultivate better relationships with your customers. You’ll receive insights into what they like, what they love, and what could work better – and then be able to use this info to grow your business. 

Did You Know?

Merchants using Square Loyalty see a 40% uptick in customer visit frequency. Are you ready to give it a try?

Take me to Square’s website I'm ready

Square Card on File and invoicing

Did we mention you can also send and settle invoices with Square? With Square’s Card on File feature, you’ll even be able to create profiles for your customers, which store their card details for simpler recurring payments.

You can access Card on File from your online Square dashboard or Point of Sale app – basically, wherever you request and receive payments from your customers. 

 So, how much time could you save with Square Card on File? Click here to find out.

Benefits of Square Card on File

Saves time and streamlines admin

Eliminates the need for external invoice software

Helps foster better customer loyalty and retention rates

Square point of sale (POS)

Any business owner taking payments from behind a counter knows it’s not just about the card machine. You’ll also need a way of recording sales, managing inventory, and providing your customers with receipts. Here’s where Square’s range of accessories for creating a stunning POS system comes in. 

Take a look at what’s on offer below.

Square Register ($799)

Square calls it “the first fully integrated point of sale system”. We just call it convenient. With a second detachable screen, the Square Register allows your customers to view the payment amount, insert their card, and pay securely, stylishly, and with ease. 

Cash drawer ($129 to 249)

You’ll be taking lots of card payments, but you’ll still need to accept cash, too. Square offers both USB and printer-driven cash drawers for even the most demanding of point of sale setups. Better still, a feature in Square’s app allows you to record cash transactions at no extra charge.

Receipt printer ($299)

Generate receipts quickly and efficiently with Square’s printer, available as an add-on. Packs of 25 rolls of the paper can also be purchased through Square for $49 (although you can probably find a cheaper deal elsewhere).

Square’s receipt printers connect to your device via USB, though a Bluetooth/Ethernet-equipped model is available for $359.

Barcode scanner ($119)

Scan barcodes, quickly find products, and streamline your whole sales process… what more is there to say?

Ready to sign up, and explore what unique combination of Square’s products is best for your business? Click the image below to go to Square’s site and order your card reader in minutes.
square review

You’ve got a date with accepting card payments: Just swipe right, and you’ll fall in love with Square


How Much Does Square Cost?

Sign up to Square, and your brand new card reader could be in the post within a day. And the best part? It might not even cost you a cent. Let’s take a look at how much Square costs.

Square card reader fee

Square’s magstripe card reader costs $10, and is available free of charge for eligible merchants. Just provide some basic info about what you do, verify your identity, and link your bank account. Then, Square will pop your card reader in the mail, and you can be taking payments within a couple of days. 

Square’s NFC contactless-equipped terminal costs $49, but for that, you get the magstripe version thrown in. Free shipping will get your card reader to you within five to seven days, or you can pay extra to have it in your hands within two. 

Square card reader costs

Square magstripe card reader fee: $0 to £10

Square NFC contactless card reader fee: $49

Square processing fees

Though there are no card reader costs or ongoing monthly fees, Square does charge a processing fee: 2.6% + 10 cents of each face-to-face transaction you take through it. This applies for swiped, dipped, and contactless transactions, and to both chip and magstripe cards.

Square card-present transaction costs

Square face-to-face transaction fee: 2.6% + 10 cents

Square’s ecommerce solutions cost a little more to process. This is because they’re card-not-present transactions, meaning that the cardholder isn’t physically at the point of sale when the transaction takes place. So, any payments you take through Square’s virtual terminal, Card on File, or that are manually keyed-in will cost 3.5% + 15 cents. Invoices cost 2.9% + 30 cents, or 3.5% + 15 cents if sent using Card on File.

Square card-not-present transaction costs

Square virtual terminal transaction fee: 3.5% + 15 cents

Square invoices fee: 2.9% + 30 cents

Square invoices (with Card on File) fee: 3.5% + 15 cents

Want to know more? Find out how much your business could save by taking payments with Square.


Is Square Right For My Business?

“I run a small business in my local market, but I don’t currently accept cards.”

You’re missing out! Debit cards are officially America’s favorite way to pay, followed by credit cards (a recent survey indicated cash is preferred by just 14% of respondents). Fortunately, though, Square is an affordable solution to that issue – and one that’s tailor-made to small businesses.

There’s no contract to tie you in, and no monthly costs – you’ll pay a fee based only on what you sell. So, if your market stall or small business is seasonal (or you run it on a sporadic basis), you won’t have to worry about ongoing costs swallowing up your hard-earned profits.

“I’d like to take payments online, but don’t have a website. Can Square help?”

Of. Course. If you’d like to build a website, Square can assist. Set one up through the web design wizardry of Wix, then leverage the ecommerce excellence of BigCommerce and Ecwid to start taking payments through it. 

That’s if you want a website – if you don’t, then Square’s virtual terminal is a super simple way of using the internet to accept secure payments. Alternatively, you can use Square’s app to save your customer’s card details on file, and send invoices with ease. Taking online payments has never been easier!

“I already take over $10,000 in card payments per month, and I’m looking to change provider.”

Square, in this case, is not right for your business. Square’s flat fee per transaction is well-suited to small enterprises, but larger ones are better off negotiating a more flexible deal with a merchant account provider, such as an ISO or a bank. 

No contracts and more understandable fees are great. But, if you’d prefer the security of a long-term agreement with cheaper rates, we’d recommend looking at a merchant services provider such as Payline, or Digitech Payments for Canada-based retailers.


What Do Square’s Customer Reviews Say?

Square is highly rated by its customers online. It boasts an impressive Trustpilot rating of 4.7/5 (‘Excellent’), with 85% of reviewers awarding Square five stars, and a further 5% opting for four. 

Here are a couple of reviews we liked.

“Square has the best point of sale and appointment app I have ever used! Its customer service is top notch.”

  • Christian, Square customer

“Square has a great POS that is user-friendly and meets all our needs. Its customer service is really knowledgeable and friendly; I’ve never had to wait on hold long, if at all, when calling. Its back end reports are easy to run, and help me figure out my business profits and losses, right down to days and timeframes.

“I have used Square the entire time my business has been open, and am so satisfied – it’s helped me grow my business as well as pay the bills! I truly love Square.”

  • Mug Shot Coffee, Square customer

That said, some customers struggled with Square. Although it wasn’t all bad…

“I was at my wit’s end trying to integrate Square with my website. Mark was very patient and walked me through the process twice, to be sure that I understood what needed to be done to accomplish this task. He was professional, PATIENT, knowledgeable, and extremely helpful. It was so good to be able to actually talk to a person!!!”

  • Babs-Phillip, Square customer

“Make sure that your tax information is filled out correctly. If there’s a problem, it will more than likely take multiple attempts to get it corrected. I first reached out to Square in early September 2019, and just got all of my issues resolved on November 15. This is the reason for the low score. We (the customers) should be able to talk to the tax department on the phone instead of only via email.”

  • Nate, Square customer

As with all feedback shared about any business online, Square had its fair share both of detractors (setup, integrations) and believers (customer service and user-friendliness, among other factors, came out on top). 

What’s next? Well, read on to hear about Square’s customer support, and our recommendations for merchant account providers in the US. Or, if you’re short on time, skip to the expert verdict for our final take on Square’s payment services. And, if you’re really short on time, why not get straight to it and head to Square’s website to sign up?


What’s Square’s Customer Support Like?

If you have an issue with your terminal or need assistance, you can reach Square between 6am and 6pm Pacific Time, or send an email anytime. You can also set up a public dialog with the company via Twitter (@Square), live chat, or other social media platforms.

Alternatively, you can tap into Square’s knowledge base. This is an online library featuring a robust range of articles, guides, tutorials, and video resources to help you fully get to grips with how to make Square work for you. You’ll also have access to Square’s ‘Seller Community’, an online hub where you can connect with fellow SMB owners.

Want to be part of Square’s Seller Community? You can be.


What Other Mobile Payment Providers Could I Consider?

If you’re still not convinced that Square is right for you, don’t stress. There are a few other mobile card readers that might work better for your business – PayPal Here, for instance, offers very cheap rates (as low as 1%) if your sales volume is high. 

iZettle is another popular name, while SumUp’s fee (a flat 1.69%) has seen it emerge as a major contender to knock the big names off their perches. 

That said, there’s more to life than mobile card readers. Because, as your business grows and your card sales volume increases, you’ll want to start looking at the value offered by a traditional merchant account. Merchant accounts are more negotiable, and mobile card readers simply can’t match the increased security they provide in the long run.

And, while you’ll have more credit card processing fees to understand, a traditional merchant account will work out cheaper over time. Aside from many high street banks (Bank of America, for example), you can opt for a merchant account from an ISO such as Heartland Payment Systems.


Expert Verdict

So, is Square the right choice? The fact is, if you’re a small business looking to dip your toe into the waters of accepting card payments, then yes – Square is perfect for you. And, really, why wouldn’t you want to dip your toe? With debit and credit card transactions growing at a rate of billions each year, the water’s just fine.

So come on in.

Click here to go to Square’s website. You can be set up with an account in minutes (sans credit check), and have a free card reader in the post within a day. What have you got to lose?

Take me to Square’s website I'm ready

99 Amazing Communication in the Workplace Statistics for 2020

By Maïté Bouhali | Rédactrice | 29 January, 2020

Email, Slack, office phones, VoIP… what do the numbers say about the future of business communication?


The importance of effective communication in the workplace can’t be overstated. Whether it’s an email, a phone call, a Slack message, or a good old-fashioned meeting, how a business’ employees work with each other is a key contributor to its success. 

But what is the current state of communication in the workplace, exactly? We wanted to find out. And, as we dug up more and more facts about business communication, a few alarming questions began to surface. 

Just how engaged, for instance, are American employees? How much time do we waste dealing with spam emails, and how many relevant messages are slipping through the cracks of our attention? And sure, the past few years have seen Slack become the tool of choice for millions of workers…but does it actually boost productivity?

Read on for 99 eye-opening facts about how our workforce communicates. Just how important is effective workplace communication? And what are the consequences when it’s done badly? From the importance of phone systems to the waning influence of meetings, the following statistics are a must-read for interns and CEOs alike. Let’s get started!

01 | Phone Statistics (1 – 16)
02 | Email Statistics (18 – 43)
03 | Slack Usage Statistics (44- 58)
04 | Meeting Statistics (59 – 62)
05 | VoIP Phone System Statistics (63 – 66)
06 | The State of Workplace Communication (67 – 73)
07 | The Importance of Good Communication (74 – 77)
08 | The Cost of Poor Communication (78 – 90)
09 | Engagement in the Workplace (91 – 99)
10 | Key Takeaways (and what’s next!)


Phone Statistics

Phones are absolutely everywhere – but do they belong in the workplace? What attitudes do employers hold towards mobile work, and how good are we at picking up the receiver?

1. Three in five companies say that phone systems are amongst their most urgent priorities for investment

2. Just 26% of US companies provide mobile phones for their employees

3. 98% of enterprises report that their employees use smartphones for business purposes

4. 87% of companies expect employees to use their personal devices for business purposes

5. One quarter of a CEO’s time in a working day is spent on phone calls

6. 85% of employees use more than one device to communicate at work

7. Workers who feel their employers use mobile technology effectively are 23% more satisfied than those in companies where use of mobiles is “bad”…

8. …they’re also 21% more loyal, 18% more creative, and 16% more productive!

9. Mobile workers account for around three quarters (72.3%) of the US workforce

10. 70% of workers keep their personal phones “within eye contact” at work

11. 57% of employees multitask during work phone calls…

12. …but on video calls, only 4% do so!

13. Two-thirds (65%) of customers still prefer to contact a business by phone

14. 86% of calls to businesses are put on hold before the caller speaks to anybody…

15. …and almost a third (32%) of those callers will hang up immediately

16. 78% of people who text wish they could have a text conversation with a business


Email Statistics

How many emails do we send and receive each day, and just how much of our time and profits are unwanted emails wasting?

17. The first networked email system was established in 1971, by the late Ray Tomlinson

18. Around 306.4 billion emails are sent and received worldwide, every day…

19. …And by 2023, that number will be almost 350 billion

20. Only about a third (34.1%) of emails in North America are actually opened…

21. …and for professional services emails, that open rate is more like a fifth (20.89%)

22. There are more than four billion email users worldwide

23. By 2021, there are expected to be 7.71 billion email accounts

24. 42% of Americans check their business emails while in the restroom, and 18% do so while driving!

25. More than one half of emails are opened on a mobile device

26. 70% of people keep their work email inbox open all day…

27. …yet only 20% of them have some kind of plan or structure in place for dealing with those emails!

28. People spend an average of 17 hours per week reading, responding to, and sending work emails

29. That’s 11.7 hours a week at work, and 5.3 hours of the time they spend working from home, just answering emails…

30. …and 30% of the time, those emails aren’t even urgent!

31. In fact, only about 38% of the average inbox contains emails that are actually relevant or important

32. It’s no surprise, then, that 60.8% of employees ignore emails at work

33. Almost half (47.7%) of workers said that receiving fewer emails at work would increase job satisfaction

34. …and 26% of employees view email as a serious productivity killer

35. However, email is still preferred as the primary method of communication for 74% of adults

36. 30% of employees don’t check their work emails outside of the office

37. 34% of workers sometimes ignore emails from HR… 

38. …and 5.7% always ignore them!

39. In the case of a work emergency, 43.9% of people would prefer a text rather than an email

40. Regardless of the email’s importance, it takes an average of 64 seconds for a worker to ‘recover’ from an email interruption, and resume work as normal

41. Around 14.5 billion spam emails are sent every day…

42. …costing businesses about $20.5 billion every year in lost productivity

43. 70% of emails are opened within six seconds of receipt

communication in the workplace statistics

43 stats in… good going!


Slack Statistics

Is Slack the future of workplace communication?

44. Slack has more than 10 million daily active users across over 600,000 organizations…

45. …and more than 150 countries!

46. These users spend around 50 million hours on Slack every week…

47. …and send close to 1.5 billion messages on it a month

48. Slack users see, on average, a 48.6% reduction in office emails…

49. …and a 25.1% reduction in meetings

50. Slack integrates with more than 1,500 third-party apps, including VoIP office telephone systems

51. 550,000 teams are on the free version, while 88,000 businesses pay for Slack

52. Four out of five employees claim that using Slack increases transparency

53. And a similar percentage (79%) of businesses find Slack improves team culture

54. The average knowledge worker (think IT jobs!) ‘checks in’ with a work instant messaging tool (such as Slack) every six minutes

55. And other business communication solutions, such as Office 365, can save businesses up to half an hour per day in lost productivity

56. Workers with team messaging are 23% more likely to work when out of the office than those without a similar business communication tool

57. However, productivity has been shown to increase (as much as 5%!) in a Slack outage. Too much of a good thing?

58. Perhaps not – Slack retains 90% of its customers!


Meeting Statistics

Are meetings an effective way of collaborating, or would we all rather be somewhere else?

59. 95% of employees prefer business communication solutions (such as email, phone systems, and Slack) to face-to-face meetings

60. Companies host an average of 61 meetings per month…

61. …though 73% of attendees do other work when in them!

62. Almost two thirds (62%) of employees aged 18–34 are motivated by team messaging and video meetings


VoIP Phone System Statistics

VoIP is in the ascendancy… is it time your business made the switch?

63. 29% of companies switch to VoIP (Voice over Internet Protocol) office phone systems because they make it easier to forward calls to their mobile phones

64. The amount of corporate VoIP subscribers worldwide is expected to reach 204.8 billion this year

65. Small businesses that switch to a VoIP telephone system can save up to 40% in local call costs

66. …and 90% on international calls!

the cost of poor workplace communication

66 down, 34 to go!


The State of Workplace Communication

How good are we at getting our point across in the office?

67. Over the last 20 years, time spent on workplace collaboration and communication has increased by 50% or more

68. 63.5% of employees expect a response to an email or business-related instant message within the hour

69. However, three in four of those people have never spoken with a colleague about communication, or what a reasonable response time is!

70. Just 17% of employees believe their line managers are effective communicators

71. Company intranets are used on a daily basis by just 13% of employees…

72. …while almost a third (31%) of workers admit to having never used their organization’s intranet at all!

73. On average, only 21% of organizations keep their workplace communications simple and jargon-free


The Importance of Good Communication

Just how crucial is it to get workplace communication right? Hint: very important

74. 64% of businesses list communicating their “strategy, values, and purpose” to employees as a key priority

75. Leaders spend around 80% of the working day communicating

76. Employees that feel their voice is heard in the workplace are almost five (4.6) times more likely to feel empowered to deliver their best work

77. Organizations with connected employees show productivity increases of 20–25%


The Cost of Poor Communication

Getting workplace communication wrong has a ripple effect, and the consequences aren’t just monetary…

78. Miscommunication in the workplace costs companies with 100 employees an average of $420,000 per year

79. For larger companies, the average yearly cost of poor communication is more like $62.4… million!

80. 28% of employees cite poor communication as the reason for not being able to deliver work in an allotted time frame

81. 86% of corporate executives, educators, and employees cite ineffective communication and poor collaboration for failures in the workplace

82. A huge 69% of managers are uncomfortable when communicating with their employees…

83. …and 16% shy away from face-to-face interaction, preferring email instead

84. 39% of employees around the world feel that people don’t collaborate enough within their organization

85. Yet, 75% of employers rate collaboration and teamwork as ‘very important’…

86. …but only 18% of employees are evaluated on their communication skills in performance reviews

87. One in two (49%) of millennials support the use of social tools for communication in the workplace…

88. …and more than a third (36%) of that same demographic spend two or more hours a day checking their personal phone

89. The average employee spends around 20% of their time searching for internal information, or tracking down colleagues for help with specific tasks

90. 97% of workers believe communications impact tasks every day

the importance of good workplace communication

You’re ninth-tenths of the way there… don’t stop now!


Engagement in the Workplace

How engaged are your employees?

91. An enormous 70% of employees in the US are not engaged at work

92. On the flipside, those who are engaged are 27% more likely to report “excellent” performance

93. 75% of employees are more likely to watch a video than to read a similar message in a web article or email

94. Only 34% of employees have spoken with their manager about their struggles with distraction in the workplace

95. 55% of employees feel that a mobile app would help them be more engaged with their company

96. High-performing organizations are 80% more likely to have a process for crafting excellent corporate stories

97. 93% of industry professionals attest to the importance of creativity in internal communications

98. …but only 6% of them believe that that creativity is used to its full potential!

99. On top of this, 60% of companies don’t have a long-term strategy or vision for their internal comms


Key Takeaways

So, what did we learn from this data-driven foray into the convoluted canvas of company communication? In this 99-fact exploration of corporate storytelling, what story of its own does our list have to tell?

Firstly, it’s that most US businesses aren’t good enough when it comes to communicating with their employees. The organizations with effective, creative internal comms strategies are the ones succeeding, while businesses with poor communication techniques are also dogged by missed deadlines, lower employee engagement, and a lack of confidence in managers and colleagues. 

The data also raises a few questions. 

Is it time, for instance, to start harnessing the potential of video to increase employee engagement? Should email still be a business’ primary form of communication? Does a more modern tool such as Slack require checks and balances to ensure its effective use, or do VoIP phone systems represent peak productivity going forward?

We’re answering all these questions and more in an upcoming article, where we’ll unpack the statistics in full, and offer up insights that’ll help you supercharge your own workplace communication. When it’s written, you can be sure we’ll add a link to it right here, so keep an eye out for updates.

In the meantime, though, why not share this article, or Tweet me @robdbinns with your thoughts. Until next time!

Les pays les plus productifs au monde – Rapport 2017

By Maïté Bouhali | Rédactrice

Expert Market dévoile son classement des pays les plus productifs du monde pour 2017. Cette étude suggère qu’un faible nombre d’heures travaillées peut avoir une influence positive sur le niveau de production d’un pays. A partir des données de l’OCDE et du Fonds Monétaire International, la productivité est calculée pour 34 pays en divisant le PIB / habitant par le nombre d’heures travaillées (en se basant sur une semaine de 5 jours*).

Productivité : le Luxembourg loin devant

Luxembourg remporte le titre de pays le plus productif du monde avec 59,20 € par heure et par personne, soit quasiment 15€ de plus que la Norvège, classée seconde (45.4 € /h). Le Danemark est sur la troisième marche du podium avec une productivité de 33 € par heure et par personne.

La France ne figure pas dans le top 10

Bien que la France figure dans le top 5 des pays où l’on travaille le moins, elle arrive pour sa part qu’à la 14e place de ce classement et rate ainsi le top 10. Avec une productivité de 22.3 € par heure et par personne, elle est devancée de près par le Canada (22.5 € /h).

Les mauvais élèves

Les pays en bas de classement présentent pour la plupart les mêmes caractéristiques. Un nombre d’heures travaillées important pour un PIB annuel par habitant relativement bas. C’est le cas du Mexique et du Costa Rica avec des taux horaire de productivité respectifs de 3,1 € et 4,8 € par heure et par personne. En Europe la Russie, la Pologne, la Hongrie, la Lettonie et la Lituanie ferment la marche.

Les pays les plus productifs au monde

RangPaysPIB/habitant (annuel)**Heures travaillées (moyenne annuelle)***Productivité (heure)
1Luxembourg89 510 €151259.2 €
2Norvège64 636 €142445.4 €
3Danemark46 526 €141033 €
4Islande59 462 €188331.6 €
5Etats Unis52 456 €178329.4 €
6Australie48 589 €166929.1 €
7Irlande54 635 €187929.1 €
8Pays Bas39 296 €143027.5 €
9Suède43 845 €162127 €
10Allemagne36 295 €136326.6 €
11Autriche38 532 €160124.1 €
12Finlande37 498 €165322.7 €
13Canada38 378 €170322.5 €
14France32 819 €147222.3 €
15Nouvelle Zélande36 175 €175220.6 €
16Royaume Uni33 275 €167619.9 €
17Japon33 688 €171319.7 €
18Israël34 431 €188918.2 €
19Italie26 177 €173015.1 €
20Espagne23 446 €169513.8 €
21Slovénie18 534 €168211 €
22Portugal17 343 €18429.4 €
23République Tchèque16 310 €17709.2 €
24Estonie15 744 €18558.5 €
25Slovaquie14 442 €17408.3 €
26Grèce15 669 €20357.7 €
27Lituanie13 279 €18857 €
28Lettonie12 485 €19106.5 €
29Hongrie11 235 €17616.4 €
30Chili12 023 €19746.1 €
31Pologne11 195 €19285.8 €
32Russie9 579 €19744.9 €
33Costa Rica10 588 €22124.8 €
34Mexique7 034 €22553.1 €

Les pays où l’on travaille le moins

RangPaysHeures travaillées (moyenne annuelle)
1Allemagne1363
2Danemark1410
3Norvège1424
4Pays Bas1430
5France1472

Les pays où l’on travaille le plus

RangPaysHeures travaillées (moyenne annuelle)
1Mexique2255
2Costa Rica2212
3Grèce2035
4Chili1974
5Russie1974

Notes / Sources

*La moyenne des heures travaillées correspond au nombre total d’heures travaillées en un an dans le pays (temps plein, temps partiel et heures supplémentaires) divisé par le nombre d’actifs dans le pays.

** PIB mondiaux – IMF, estimations 2017.

*** Moyenne des heures travaillées – OCDE, 2016 / PIB mondiaux.

La France ne figure pas dans le top 10 des pays les plus productifs au monde

By Maïté Bouhali | Rédactrice

productivité travail

Expert Market dévoile son classement des pays les plus productifs du monde.

Ce classement suggère qu’un faible nombre d’heures travaillées peut avoir une influence positive sur le niveau de production d’un pays. Et pour cause, certaines des plus puissantes économies du monde comptent parmi les pays travaillant le moins. La productivité a été calculée pour 36 pays en divisant le PIB / habitant par le nombre d’heures travaillées (en se basant sur une semaine de 5 jours).

Quelle place pour la France ?

La France n’arrive pour sa part qu’à la 12e place de ce classement et rate de peu le top 10. Le bilan n’est toutefois pas si mauvais puisqu’avec seulement 1.473,4 heures travaillées en moyenne, elle enregistre une productivité par heure de 24,94€. Soit à moins de 2€ de la Suède, dernière du top 10 et dont les habitants travaillent en moyenne 1.609 heures par an. Par ailleurs, la France devance de puissantes économies puisque le Canada et le Royaume-Uni se classent respectivement 13e et 16e avec 23,87€ et 21,91€ par heure et par personne.

Le prix du pays travaillant le moins est attribuée à…

… l’Allemagne. Et pour cause, nos voisins germains ne travaillent en moyenne que 1.371 heures par an contre une moyenne mondiale de 1.762 heures travaillées annuellement. L’Allemagne se classe toutefois parmi dans le top 6 des pays les plus productifs avec un taux horaire de 30,51€ par personne.

Productivité : le Luxembourg, au sommet du podium

Frontalier de l’Allemagne, le Luxembourg remporte quant à lui le titre de pays le plus productif du monde avec 53,75€ par heure et par personne, soit près de 10€ de plus que la Norvège, classée seconde. Cet exploit est d’autant plus important que les Luxembourgeois se classent à la dixième place des pays travaillant le moins, tandis que la Norvège est troisième. Plus largement, sept des dix pays ayant le plus haut PIB sont aussi classées parmi ceux travaillant le plus faible nombre d’heures. En plus de la Norvège et du Luxembourg, on y compte la Suisse, les Pays-Bas, l’Allemagne, le Danemark et la Suède.

Qui sont les mauvais élèves ?

Malheureusement pour les pays qui arrivent en bas de classement, la théorie semble aussi s’appliquer à eux. Avec une moyenne de 2.228 heures travaillées par an, le Mexique voit ses habitants se classer en tête des plus gros travailleurs du monde. Juste derrière, le Costa Rica atteint les 2.216 heures travaillées par an. Pourtant, les deux pays sont aussi les deux moins productifs avec des taux horaire de productivité respectifs de 7,01€ et 6,24€ par heure et par personne. Sans surprise, huit des dix pays travaillant le plus sont classés parmi les moins productifs : la Grèce, le Chili, la Russie, la Lettonie, la Pologne et l’Estonie.

Voilà donc une bonne raison de demander plus de vacances à votre patron… pour le bien de l’entreprise !

PaysPIB/habitant (annuel)Heures travaillées (moyenne annuelle)Productivité (heure)
Luxembourg €88,308.001643€53.75
Norvège €61,012.801427€42.76
Australie €58,336.801664.2€35.05
Suisse €52,271.201568.2€33.33
Pays Bas €43,886.401425€30.80
Allemagne €41,834.801371€30.51
Danemark €40,764.401436€28.39
Etats Unis €49,773.601789€27.82
Irlande €49,506.001821.3€27.18
Suède €42,726.801609€26.55
Autriche €42,191.601628.7€25.91
France €36,750.401473.4€24.94
Canada €40,675.201704€23.87
Finlande €36,661.201645€22.29
Islande €41,121.201864€22.06
Royaume Uni €36,750.401677€21.91
Japon €33,985.201729€19.66
Espagne €31,041.601688.8€18.38
Italie €31,844.401733.9€18.37
Nouvelle Zélande €32,290.401762€18.33
Slovénie €27,652.001561€17.71
Israël €30,060.401853€16.22
Corée €34,163.602124€16.08
République Tchèque €28,187.201776€15.87
Slovaquie €26,492.401763€15.03
Lituanie €25,332.801834€13.81
Estonie €25,511.201859€13.72
Portugal €24,797.601857€13.35
Hongrie €23,370.401857.9€12.58
Pologne €23,638.001923€12.29
Grèce €23,548.802042€11.53
Russie €22,656.801985€11.41
Lettonie €22,032.401938€11.37
Chili €20,962.001989.8€10.53
Mexique €15,610.002228€7.01
Costa Rica €13,826.002216€6.24

* La moyenne des heures travaillées correspond au nombre total d’heures travaillées en un an dans le pays (temps plein, temps partiel et heures supplémentaires) divisé par le nombre d’actifs dans le pays.
** Moyenne des heures travaillées – OCDE, 2014. PIB mondiaux – CIA, 2015.

Les pays où l’on épargne le plus

By Maïté Bouhali | Rédactrice

Pour cette nouvelle étude, Expert Market a repris les données de l’OCDE de 30 pays. A partir du salaire annuel moyen et du taux d’épargne des ménages nous avons effectué le classement des pays où l’on épargne le plus.

La Suisse, largement en tête

En moyenne, sur une durée de 12 mois le travailleur Suisse réussit à épargner 9 936.58€ sur son salaire annuel, ce qui correspond à 1.14€ par heure! Le Suédois, deuxième de notre classement n’est pas loin d’épargner deux fois moins que le travailleur helvète.

Les autres pays où l’on épargne le plus

Les autres pays en tête de ce classement sont la Suède (5 751.78€), la Norvège (4 148.68€), l’Australie (4 139.45€), l’Allemagne (3 826.66€).

France et Belgique : peuvent mieux faire!

Avec une moyenne de 3 279,50€ par an la France est sixième de notre classement. La Belgique, avec 2 174.32€ par an, arrive onzième.

Les dépensiers

Certains pays sont dans le rouge avec un taux d’épargne négatif. C’est le cas du Royaume-Uni, la Finlande, le Japon, la Pologne, l’Irlande, le Portugal, la Lettonie et la Grèce en queue de classement. Un Grec bénéficie de l’épargne annuelle la plus faible, avec -3 895.75€, ce qui correspond pratiquement à une perte de 0.45€ par heure !

Notre base de données complète :

PaysSalaire annuel moyenTaux d’épargne annuel des ménagesEpargne / anEpargne / moisEpargne / jourEpargne / heure
Suisse€52,226.3019.03%€9,936.58€828.05€27.22€1.14
Suède€36,591.2315.72%€5,751.78€479.31€15.76€0.66
Norvège€45,534.889.11%€4,148.68€345.72€11.37€0.47
Australie€44,872.099.23%€4,139.45€344.95€11.34€0.47
Allemagne€40,183.369.52%€3,826.66€318.89€10.48€0.44
France€36,898.038.89%€3,279.50€273.29€8.98€0.37
Autriche€41,220.047.8%€3,216.81€268.07€8.81€0.37
Pays-Bas€45,322.006.00%€2,718.41€226.53€7.45€0.31
USA€52,516.994.97%€2,608.52€217.38€7.15€0.30
Danemark€44,744.194.97%€2,224.68€185.39€6.10€0.25
Belgique€42,667.265.10%€2,174.32€181.19€5.96€0.25
Corée€29,615.387.18%€2,126.38€177.20€5.83€0.24
Slovenie€29,593.026.49%€1,921.77€160.15€5.27€0.22
Chili€20,793.388.87%€1,844.58€153.72€5.05€0.21
Canada€42,793.383.81%€1,630.86€135.90€4.47€0.19
République Tchèque€19,399.826.63%€1,286.21€107.18€3.52€0.15
Espagne€32,491.063.88%€1,261.63€105.14€3.46€0.14
Italie€30,536.672.91%€888.31€74.03€2.43€0.10
Hongrie€17,888.194.91%€878.49€73.21€2.41€0.10
Slovaquie€19,705.723.82%€752.17€62.68€2.06€0.09
Mexique€13,297.855.36%€712.63€59.39€1.95€0.08
Estonie€19,288.013.38%€652.71€54.39€1.79€0.07
Royaume-Uni€37,016.10-0.18%-€67.00-€5.58-€0.18-€0.01
Finlande€36,432.02-0.20%-€73.96-€6.16-€0.20-€0.01
Japon€32,003.58-0.47%-€150.42-€12.53-€0.41-€0.02
Pologne€21,465.12-0.71%-€151.54-€12.63-€0.42-€0.02
Irlande€41,211.09-0.4%-€163.61-€13.63-€0.45-€0.02
Portugal€21,560.82-4.07%-€876.45-€73.04-€2.40-€0.10
Lettonie€18,352.42-11.24%-€2,063.18-€171.93-€5.65-€0.24
Grèce€22,550.09-17.28%-€3,895.75-€324.65-€10.67-€0.45

Salaires annuels moyens OCDE 2015 : https://stats.oecd.org/Index.aspx?DataSetCode=AV_AN_WAGE

Taux d’épagne des ménages selon l’OCDE (dernières données disponibles) : https://data.oecd.org/hha/household-savings.htm

Triumph Factoring Review 2020

By Maïté Bouhali | Rédactrice

Are you eligible for Triumph’s invoice factoring services? And are they the right choice for your business?


triumph factoring

Pros:

  • Advertises advance rates of up to 90%
  • Some invoices are paid within 24 hours
  • Provides funding of up to $20 million
  • Offers an intuitive mobile app for tracking your funding in real time
  • Monthly discount rates may be as low as 1%

X Cons:

  • Fees can reach as much as 4% of the factored invoice, per month
  • You’ll require a personal credit score of at least 500 to be eligible…
  • ...and you’ll need to have been in business for at least a year
  • Fees lack transparency
At a glance: Perfect for truckers and passable for everyone else, Triumph excels with its app and back office solutions, but is hamstrung by opaque fees and sub-par customer service.

Triumph Business Capital (known hereafter as simply ‘Triumph’) is a Texas-based company that provides finance for businesses across the US. With industry-specific funding options for truckers, freight brokers, government contractors and more, Triumph has been accelerating the growth of America’s SMBs since 2004. 

And, with an impressive array of services spanning equipment financing, fuel cards, and vehicle insurance, Triumph ticks a long list of boxes – whether you’re a trucker, a broker, or just a small business looking for a quick cash injection.

Today, we’re taking a look at its invoice factoring facility. So, what is it?


What is Triumph Factoring?

Triumph’s central offering (and one made crystal clear by its domain name, invoicefactoring.com) is its invoice factoring service. With a factoring deal, you essentially sell your unpaid invoices (or ‘accounts receivables’ in industry jargon), get a large chunk of them paid upfront, and benefit from credit control assistance. It’s a low-risk, hassle-free route to bridging those often lengthy cash flow gaps.

What we wanted to know, though, was if Triumph’s invoice factoring service was any good. We’ve done the research, crunching the numbers and trawling the web for the latest customer reviews, to help you be sure that the next business finance decision you make will be the best one yet. 

So, is Triumph Factoring… well, a triumph? Or is your business better served elsewhere? Read on to find out.

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What Are Triumph Factoring’s Services and Benefits?

In other words, what does Triumph do well – and how can your business reap the rewards?

Fast, flexible finance

Unlike with many other invoice factoring companies, Triumph allows you to factor all your invoices, or just a select few (some companies require you to factor your whole sales ledger, which can understandably cause issues). Triumph offers a mix ‘n’ match approach to financing your business, which lets you stay in complete control of your entire ledger

You’ll also have the option of choosing whether or not to take on the risk, in the event that your customer doesn’t pay. Triumph Factoring offers both recourse (lower cost, but you shoulder the risk) and non-recourse (more expensive, but Triumph takes on responsibility for the debt) solutions. The choice is yours.

Triumph Factoring works quickly, too – in some cases, it’ll pay out on your invoices the same day you submit them.

Track your funding in real time

With the aptly-named ‘MyTriumph’ web portal (pictured), Triumph Factoring puts your funding (quite literally) at your fingertips. MyTriumph is a slick, stripped-back mobile app offering live updates about the status of specific invoices, plus a bird’s-eye view of the overall health of your account.

You’ll receive push notifications when your funding’s been processed, and when the money reaches your account. And, if you have any questions, the MyTriumph app simplifies your access to customer support. It makes it easy to identify which team member is available when you need them, so you can get through instantly.

Don’t get into debt

Triumph Factoring provides a form of finance that’s tied to money already owed to your business. So, unlike with a business loan or an overdraft, it’s not easy to incur debt.

Stay on top of the paperwork

Alongside its factoring service, Triumph provides a comprehensive toolkit of back office solutions to help you relieve the burden of admin, and focus on scaling up your business. Here are a few back office services Triumph Factoring provides:

  • Free credit checks: With Triumph Factoring, you’ll be able to make better decisions about who you work with, and minimize the risk of taking on new clients.
  • Collections: Triumph Factoring’s collection team can help ensure your clients pay up, insulating your business against the damaging effects late payment can have on your cash flow and growth.
  • Data storage: Triumph Factoring keeps backups of all factored invoices and receipts. Copies are available within 24 hours, should you need them.

Tailored to your industry

When receiving finance, it’s nice to know that your chosen company is attuned to your industry’s unique needs and difficulties. That’s why it’s comforting that Triumph Factoring offers specific solutions for:

  • Trucking companies: Triumph is one of the leading freight factoring companies in the US, and also offers fleet card and fuel advance services for fleet managers.
  • Staffing companies: When suppliers don’t pay on time but staff need to be remunerated, Triumph Factoring offers a quick, straightforward route to assuaging payroll disruption and cash flow concerns.
  • Oil and gas companies: When oil prices drop, it can be tough to maintain the cash flow needed to take on new contracts. Triumph Factoring’s tailored solution for the oil and gas industry can help. 

How Much Does Triumph Factoring Cost?

Similar to many of its competitors, Triumph Factoring doesn’t openly advertise its fees. Because of the vastly differing sizes, industries, and budgets of the businesses Triumph serves, you’ll receive a bespoke factoring solution, with a bespoke price to boot.

We can tell you a bit about what to expect when it comes to the figures, though:

  • An advance rate of up to 90%. This is the amount you’ll receive up front, and is a percentage of the invoice you’re factoring with Triumph. 
  • In terms of a maximum funding amount, there’s nothing stated on Triumph Factoring’s website, but it’s believed to be as much as $20 million.
  • A discount rate of between 1% and 4% of the invoice’s value, per month. This is the fee Triumph Factoring charges you for releasing the cash upfront, and is an ongoing cost
  • An origination fee of $300 may apply when you begin working with Triumph Factoring.
  • There are no additional fees, and no monthly minimum amount you’ll have to factor.
  • However, you’ll still need to be turning over at least $100,000 to be eligible for Triumph’s invoice factoring service, and a personal credit score of at least 500.

Predicting exactly what you’ll pay in fees with an invoice factoring deal isn’t easy. But with our help, finding the right provider for your business is easy – and you can be started in just a minute’s time.

Simply complete our form with a few details about your business. We’ll ask some quick questions to get a sense of your industry, customers, and turnover. Then, we’ll put you in touch with leading US-based invoice factoring companies. They’ll be able to provide you with tailored quotes, and discuss the finance options best-placed to grow your SMB.


Is Triumph Factoring Right For My Business?

To find out, let’s tackle a few of our most frequently asked questions. 

“I run a B2C (business-to-consumer) business. Is Triumph Factoring right for me?”

Unfortunately, it won’t be. Only B2B (business-to-business) enterprises that invoice their customers are eligible for factoring, regardless of the company chosen.

“I can’t take on new jobs because I haven’t been paid for recent work.”

Ding ding ding! Triumph Factoring is perfect for your needs. By releasing funds from unpaid invoices, you can pay suppliers, prepare for fresh projects, and fuel your business’ growth with a sustainable source of cash flow.

“I struggle to collect owed monies from clients.”

It’s not an ideal situation – but if it sounds familiar, Triumph can certainly help. When you factor an invoice with Triumph, the company will assume your credit control responsibilities. This might not be for you – many small business owners choose to retain the final say when it comes to their client relationships.

But if collections is something you neither like nor want to be doing, then Triumph Factoring will hit the spot.

triumph factoring review

Invoice factoring companies like Triumph Business Capital help you get paid faster, while making the paperwork a breeze


“I’d like to factor no more than $10,000 of invoices monthly.”

This is a tricky one, because in the world of invoice factoring – particularly in the trucking industry – $10,000 in invoices a month is small fry. 

So should you do it? Well, on the one hand, Triumph Financial doesn’t have an advertised minimum, meaning it’s technically possible. However, realistically, you’ll need to be factoring a much larger monthly amount to make an invoice factoring deal profitable – and to justify the fees that come with it.

If this is your situation, we recommend looking for a cheaper deal elsewhere. We found BlueVine to be among the invoice factoring companies with the lowest fees in the US, while Payability is also suitable for small businesses. 

Alternatively, you could complete our 30-second form to receive tailored quotes from leading factoring companies. They’ll be able to discuss your needs at length, and help kickstart your route towards better cash flow. 

Get started by hitting that big red button below.

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What do Triumph Factoring’s Customer Reviews Say?

We took to the web to find out. 

As it turns out, Triumph Factoring has excellent customer ratings across the board. Triumph boasts a respectable 4/5 score on Trustpilot, though it also seems to have had an oddly polarizing effect on its customers. The good reviews are good, and the bad reviews are, well… quite bad. 

Let’s take a look at the good first.

“Very knowledgeable, efficient, and courteous! Solution-oriented and extremely prompt, with quick responses. The best financial institution I have ever dealt with in 25 years.”

  • Ahmad, Crescent Foods, Triumph Factoring customer

“You can check broker ratings on Triumph’s app, and it will tell you if they are approved for factoring. There’s no need to worry about when you’re going to get paid, because [the money is] always there within two or three days.”

  • Barbara Stover Karnes, Triumph Factoring customer

“Fast payment. Not always in 24 hours, but within 48 hours at least, and in the bank in 72 hours. It’s very simple to upload your invoices, and a very easy company to work with overall. I don’t have any complaints so far, as long as it keeps up the good work and quick payments.

I always check the broker’s credit for funding approval before I ever book a load, to make sure I get funding. I’m not the type of guy that wants to wait 30 plus days to get paid for the loads I haul.”

  • Tom, Triumph Factoring customer

One of the recurring themes among the favorable reviews is the pace at which Triumph Factoring pays out. Many reviews also highlight the extent to which Triumph’s trucking clients, in particular, have benefited from its back office services – particularly the feature allowing truckers to check a broker’s credit before deciding to work with them. 

Of course, there are a few more ambivalent reviews floating around out there…

“Triumph Factoring has a decent online portal and a team of nice, friendly, and knowledgeable staff. But my account representatives are hard to reach. Even my emails will take a day or so to be responded to. Sometimes I will not get a response at all. We’re not really sure if this company is worth the percentage that we have to pay.”

  • Florida Reliable, Triumph Factoring customer

…and some that are less ambivalent.

“[Triumph Factoring] rejects invoices for minor things, and always rejects them after the cut off time, meaning I have to wait until the next day for funding. The lady that answers the phone doesn’t say she is going to transfer you, she just does it. 

“[Triumph’s customer support staff] don’t like talking to you – I’ve had plenty of them hang up on me or transfer me around the world. I’ve left plenty of messages, with no one ever calling back. So very unprofessional. Customer service is awful… it wants to charge you this high fee, but don’t uphold their side of the bargain.”

  • Erika, Triumph Factoring customer

Sources: Trustpilot, Better Business Bureau

Not amazing… but there are certainly a few glimmers of hope buried within the acrimony. Let’s wrap things up with our…


Expert Verdict

If you’re thinking of using Triumph Business Capital’s invoice factoring services, you’ll need the following:

  • A personal credit score of at least 500
  • A minimum turnover of $100,000
  • To deal in B2B transactions, and issue customers with invoices
  • To be invoicing clients, ideally, at least $10,000 every month

If you tick all these boxes, then you stand to benefit from Triumph’s fast, flexible finance, which shouldn’t leave you weighed down with debt. Sure, online reviews have cast some doubt over the efficiency of Triumph’s customer service. But any concerns about its client care crew should be mitigated by an excellent app that’ll keep you in the loop – so you won’t even have to call them up to begin with.

It’s also apparent that Triumph goes above and beyond in its financial offerings to the customer – from a glut of back office solutions to insurance and credit checks, it’s an excellent partner to have propelling your business’ ascent.

Want to explore your invoice factoring options? Yes, I'm ready