Finances

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Income

Price plans

Cloud Web Design

  • Business Card, Articles, Blogging, Image Galleries, etc.
  • WordPress.com, Tumblr.com, etc.
  • From £400.
  • Plus costs (£40/yr for theme & ad-free, plus domain).

Web Site Design and Build

  • Self-hosted Drupal site with bespoke configuration and theme
  • Using process estimation tools vs. budget
  • From £650 (5 days), at £130 a day

Hosting and maintenance

  • £15/mth for hosting, plus security upgrades

Support, Training, Consultancy £25/hr for additional backend or administration support, or £100 for a full day consultation.

Cloud site setup and custom theme, from £400, or a full site with bespoke backend and custom theme, starting at £650.

Invoicing

Templates

Open source systems

Services

Late

Credit notes

Budgeting

5 fridays (or 5 mondays?)

Services

  • PocketSmith - The personal finance app with cashflow forecasting

Tax

See also Credits

Self-assessment

etc

Sole traders’ tax responsibilities:

  • send a Self Assessment tax return every year
  • pay Income Tax on the profits your business makes
  • pay National Insurance
  • register for VAT if you expect your business’ takings to be more than £77,000 a year.

Limited Company: Any profit it makes is owned by the company, after it pays Corporation Tax. The company can then share its profits.

Tools

other

VAT

Banks

Tridos

"We do not provide counter banking services from our Edinburgh office (or indeed any of our UK offices) but are pleased to meet with business customers who have a pre-arranged appointment."

Co-operative

Online service, no real-life access?

Has branches under the name Britannia. One on George Street.

P2P lending

Accounting

Software

Services

Trading standards

Merchant services, payment systems

to sort

  • Issuing bank is a bank that offers card association branded payment cards directly to consumers. The name is derived from the fact that it issues payment to the acquiring bank on behalf of its customer (the purchaser in the transaction).
  • Acquiring bank (or acquirer) is the bank or financial institution that processes credit and or debit card payments for products or services for a merchant. The term acquirer indicates that the bank accepts or acquires credit card payment from the card-issuing banks within an association. The best-known (credit) card associations are Visa, MasterCard, Discover, American Express, Diners Club, Japan Credit Bureau, Attijariwafa Bank, and China UnionPay.
  • Merchant account is a type of bank account that allows businesses to accept payments by payment cards, typically debit or credit cards. A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment card transactions. In some cases a payment processor, independent sales organization (ISO), or member service provider (MSP) is also a party to the merchant agreement. Whether a merchant enters into a merchant agreement directly with an acquiring bank or through an aggregator such as PayPal, the agreement contractually binds the merchant to obey the operating regulations established by the card associations.

Articles and guides

before Stripe;

stripe;

etc.

Merchant account providers

comparison below requires signup..

Stripe

New to the market.

  • Setup: none
  • Monthly: none
  • 2.4% + 20p + VAT per successful charge
  • no card storage fees

PAYMILL

  • Transaction fees: 2.95% + 0.28 €
  • Setup fees: 0 €
  • Monthly fees: 0 €
  • Set up time: 2-3 days

Authorize.Net: Online Payment Gateway and Merchant Account

  • Setup Fee: £50.00*
  • Monthly Gateway Fee: £20.00
  • Transaction Fee: £0.15
  • Debit Card Settlement (Visa, MasterCard): £0.40
  • Consumer Credit Card Settlement (Visa, MasterCard): 2.25%
  • Commercial Credit Card Settlement (Visa, MasterCard): 2.75%
  • Chargeback Fee: £15.00
  • Advanced Fraud Detection Suite: £9.95/month
  • Automated Recurring Billing: £10.00/month
  • Customer Information Manager: £20.00/month

Authorize.Net: Online Payment Gateway and Merchant Account

  • Setup Fee: Free
  • Monthly Gateway Fee: £20.00
  • First 350 Transactions Per Month: Free
  • Per-Transaction Fee (>350 Transactions): £0.10/trans

Elavon

  • Core (unbundled) / Flexible (bundled)
  • Monthly Gateway Fee: £15.00 / £25.00
  • Transaction Fee: £0.09 / First 200 transactions included. Excess Transaction Fee: £0.14. ???
  • Both: 10 Virtual Terminal licences included. If further licences are required £30 per user set up will be applied. Tokenisation 1000 cards included. £0.03 per card stored per month in excess of 1000

"Our secure Virtual Terminals can be downloaded to your desktop. The Virtual Terminal is a secure browser based tool, there is no installation required, just an internet connection."

CCS/UPG

Elavon resellers

Virtual Terminal:

  • £100 + VAT set-up fee (includes 250 free gateway transactions)
  • No monthly fees for the gateway

Merchant Account:

  • 1.5% Personal Credit Cards
  • 19p per Debit Card
  • 1.8% Business Cards
  • £4.99 per month recurring PCI Compliance charge
  • £12.50 minimum monthly service charge

Balanced

  • No monthly fees.
  • No setup fees.
  • No recurring fees.
  • Processing: credit card (per txn): 2.9% + 30c
  • Processing: bank account (per txn): 1% + 30c
  • Payout: bank account (per deposit): 25c

Simplify Commerce

  • 2.85% + 30¢ per transaction
  • No setup fees.
  • No monthly fees.

Beanstream

Simplified Ecommerce

PayPal

EEEk

Google

Other

  • https://gocardless.com/ - 1% per transaction up to a maximum of £2.00. Simple Direct Debit, for regular billing & invoicing.

Markets

Software

  • Grism is an open source stock market observation tool. It allows you to easily track the evolution of stock prices through watchlists, portfolios and charts.
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