Top Online Payment Processors for Small Businesses
Intro
In the evolving landscape of commerce, small businesses face unique challenges when it comes to managing payments. Choosing the right online payment processor is crucial. This decision can influence not only sales figures but also the customer experience. With a plethora of options available, small business owners must navigate crucial elements like fees, integration, security, and support. This guide aims to present an in-depth analysis of the best online payment processors tailored specifically for small businesses.
Brief Description
Overview of the Software
Online payment processors serve as intermediaries between buyers and sellers, facilitating smooth and secure transactions. Each platform varies in its offerings, catering to diverse business needs. The best processors combine scalability with user-friendliness. Some popular names include PayPal, Stripe, and Square, known for their robust features and seamless user interfaces.
Key Features and Functionalities
Modern payment processors come equipped with essential capabilities, such as:
- Flexible Payment Options: Allow customers to pay via credit cards, debit cards, and mobile wallets.
- Security Protocols: Implement advanced encryption and compliance with PCI DSS standards to ensure transaction safety.
- User Analytics: Provide insights into customer behavior and transaction histories to help businesses make data-driven decisions.
- Integration Capabilities: Easy integration with existing e-commerce platforms, accounting software, and other business tools.
These features can help small businesses increase sales while minimizing operational hassles.
System Requirements
Hardware Requirements
Most online payment processors do not require specific hardware. However, businesses should ensure that their devices, such as computers or mobile phones, can maintain a stable internet connection. This stability is vital for processing payments promptly and efficiently.
Software Compatibility
Compatibility with various operating systems is a crucial consideration. In general, these payment processors support:
- Windows and macOS for desktop applications.
- Android and iOS for mobile applications.
Staying updated with the latest software versions ensures optimal performance and security as well.
"Choosing an online payment processor is not just about fees; it’s about the overall experience for your customer and your business."
This narrative aims to lay the groundwork for understanding the multitude of options available in the market. As small business owners evaluate potential payment processors, considering these features and requirements greatly assists in making an informed decision.
Intro to Online Payment Processors
In today's digital age, online payment processors are crucial for businesses of all sizes. They enable companies to conduct transactions efficiently, securely, and globally. For small businesses, selecting an appropriate payment processor can significantly impact cash flow and customer satisfaction.
Online payment processors facilitate the transfer of funds between buyers and sellers. They offer various services, including credit card processing, invoicing, and recurring billing. These processors serve as intermediaries, ensuring that payments are securely transmitted and funds are deposited into the business's account promptly.
Benefits of Using Online Payment Processors
- Expanded Reach: Small businesses can reach customers beyond local boundaries. An effective payment processor enables companies to accept payments from anywhere in the world.
- Increased Convenience: Customers prefer flexible payment options. Good processors simplify the checkout experience, leading to higher conversion rates.
- Enhanced Security: Reputable processors adhere to strict security protocols. They protect sensitive customer information, which builds trust and minimizes the risk of fraud.
Considerations When Choosing a Processor
Many aspects should be kept in mind when selecting a payment processor. This includes transaction fees, integration with existing systems, and the type of support available. Each of these elements plays a crucial role in how well the payment processor will meet the unique needs of a small business.
In summary, understanding online payment processors helps small business owners make informed decisions. The choices they make affect cash flow, customer experience, and overall business growth. As we explore this topic further, we will delve into the importance of selecting the right processor and the key features that should influence this decision.
Importance of Choosing the Right Processor
Selecting the appropriate online payment processor is a crucial decision for small businesses. This choice impacts various aspects of daily operations and can significantly influence overall success. A suitable processor can enhance payment efficiency, provide flexible payment options, and ensure a seamless customer experience. Conversely, a poor choice may lead to lower customer satisfaction, unexpected fees, and even security risks.
Benefits of a Good Payment Processor
- Cost Efficiency: Different processors have varied fee structures. Understanding these can help a business to minimize transaction costs, which is vital for maintaining profit margins.
- Security Features: With the rise of digital transactions, fraud prevention is a major concern. A reliable processor employs robust security measures that protect both the business and its customers.
- Integration Capabilities: A good processor must seamlessly integrate with existing systems like e-commerce platforms or accounting software. Simplified operations can save significant time and reduce errors.
- Customer Trust: The payment method serves as a reflection of the business. Advanced features such as two-factor authentication can foster trust among customers.
Considerations for Choosing the Right Processor
- Business Model: Analyzing whether the business focuses on physical sales or online transactions can heavily influence processor selection. Different processors cater to different needs.
- Growth Potential: Choosing a processor that can scale as the business expands is important. Limited growth options can hinder business development.
- International Transactions: If a business aims to reach an international market, understanding processing fees for foreign transactions becomes essential.
In summary, the importance of choosing the right processor cannot be understated. The right choice promotes financial health, enhances security, and fosters customer relationships. It lays down the groundwork for operational success, enabling small businesses to thrive in a competitive landscape.
Key Features to Consider
When evaluating online payment processors, it is critical to focus on certain key features that have a direct impact on efficiency, cost, and user experience. These features can significantly influence how well the payment processor meets the unique needs of a small business. By understanding these features, companies can avoid potential pitfalls and select a solution that fosters growth and sustainability.
Transaction Fees
Transaction fees play an essential role in determining the overall cost of using a payment processor. Each platform has a unique fee structure, which often includes a percentage of the transaction amount and a fixed fee per transaction. For small businesses, every dollar counts. Therefore, it is important to compare these fees closely. Some processors might appear inexpensive initially but can charge higher fees for certain services or payment types. Considerations should include:
- Visibility of all fees: Look for transparency in fees. Hidden charges can erode profit margins.
- Volume discounts: Some processors provide lower rates for higher transaction volumes.
- Foreign transaction fees: If selling internationally, these fees can be substantial.
Security Measures
In today's digital environment, security measures are non-negotiable. A processor must comply with the Payment Card Industry Data Security Standard (PCI DSS). This standard ensures the handling of customer data securely. Look for processors that offer:
- Encryption technology: Strong encryption protects sensitive information during transactions.
- Fraud detection tools: Features like machine learning algorithms can help quickly identify fraudulent transactions.
- Chargeback management: Robust systems will assist you in managing disputes with customers efficiently.
Ease of Integration
The ability to easily integrate the payment processor with existing systems is vital. A cumbersome integration can disrupt operations and delay timelines. Key factors include:
- API Support: A good processor will provide a well-documented API for developers.
- Plugins for popular platforms: Many businesses utilize e-commerce platforms like Shopify or WooCommerce. Ensure that the chosen processor has plugins for these systems.
- Customizability: It is beneficial if the payment flow can be tailored to match the company's branding and user experience.
Customer Support
Reliable customer support is essential for resolving issues quickly. Payment processing affects revenue directly; therefore, downtime must be minimized. Evaluate:
- Availability: Look for 24/7 support via multiple channels—phone, email, and chat.
- Knowledge resources: Does the processor provide sufficient documentation, FAQs, or tutorials?
- Response time: Effective support should address concerns promptly.
Compatibility with E-commerce Platforms
For an online business, compatibility with e-commerce platforms dictates operational efficiency. Many small businesses run on established platforms. Hence, compatibility is vital. Examine:
- Supported platforms: Identify which e-commerce platforms are directly supported by the payment processor.
- Payment methods: Assess if the processor accommodates various payment options, including credit cards, digital wallets, and bank transfers.
- Mobile optimization: As many consumers shop on mobile devices, ensure that the processor facilitates smooth mobile transactions.
Ultimately, these key features form the backbone of your payment processing strategy. Understanding their significance not only simplifies the selection process but also ensures that the chosen solution aligns with your business goals.
Leading Payment Processors Reviewed
In evaluating the best online payment processors, various factors come into play, including ease of use, reliability, and feature sets. This section provides a detailed analysis of several prominent payment processors available in the market. Understanding their unique offerings allows small business owners to make informed decisions that align with their operational needs and customer preferences.
PayPal
PayPal remains a household name when it comes to online payments. Its extensive experience in the digital payment landscape brings reliability that many small businesses seek. PayPal simplifies the payment process for both merchants and consumers, enabling fast transactions. The platform supports a variety of payment methods. Furthermore, it offers a comprehensive suite of tools designed for managing transactions efficiently.
Key Features of PayPal:
- User-Friendly Interface: Easy for first-time users.
- Global Reach: Accepts payments from over 200 countries.
- Dispute Resolution: Built-in tools for managing disputes.
Square
Square is known for its versatility, catering to both online and brick-and-mortar businesses. It provides a free point-of-sale app that integrates seamlessly with its hardware, allowing businesses to process payments effortlessly. Additionally, Square offers advanced inventory management tools which can be advantageous for retail settings. Its transparent pricing is another noteworthy aspect that small business owners often appreciate.
Key Features of Square:
- No Monthly Fees: Only pay for the transactions you process.
- Online Store Setup: Easily create an online store with their tools.
- Analytics Tools: Insightful reporting for sales trends.
Stripe
Stripe has gained popularity particularly among e-commerce businesses due to its developer-friendly interface and robust API. This makes it an exceptional choice for businesses with custom needs regarding payment processing. The platform excels in subscription management and accepts a myriad of payment methods. Furthermore, Stripe incorporates several tools aimed at preventing fraud, which is crucial for securing online transactions.
Key Features of Stripe:
- Customizable Checkout: Fully adaptable interface for better branding.
- Multi-Currency Support: Gathers payments in various currencies easily.
- Fraud Prevention: Advanced security measures in place.
Authorize.Net
As one of the older players in the payment processing space, Authorize.Net offers extensive features for small and medium-sized businesses. Its focus on security, highlighted through robust fraud detection tools, makes it a reliable option. Additionally, Authorize.Net supports recurring billing functions, catering well to subscription-based businesses.
Key Features of Authorize.Net:
- Strong Security: Ensures customer data protection.
- Recurring Billing Options: Facilitates subscription models.
- Mobile Payments: Capability to take payments on the go.
Shopify Payments
For businesses operating on Shopify’s e-commerce platform, Shopify Payments presents an integrated solution that reduces friction in the checkout process. This payment processor enhances the user experience by eliminating third-party gateways. It allows businesses to manage orders and transactions seamlessly from within the Shopify dashboard.
Key Features of Shopify Payments:
- Integrated in Shopify: Smooth experience for users without extra fees.
- Multichannel Selling: Manages sales across various platforms.
- Instant Payouts: Access to funds without prolonged waiting periods.
"Selecting the right payment processor can significantly impact operational efficiency and customer satisfaction for small businesses."
Comparative Analysis of Features
The comparative analysis of features is a crucial part of understanding online payment processors for small businesses. When choosing a processor, business owners need to weigh different aspects like fee structures, user experience, and integration options. Each attribute plays a significant role in influencing how effectively a payment processor can streamline operations and enhance customer satisfaction. By evaluating these elements, small business owners can ensure they select the payment processor that best aligns with their unique operational needs and customer expectations.
Fee Structures
Understanding the fee structures of various payment processors is essential for small businesses. Transaction fees can eat into profits, so a transparent and reasonable fee structure is critical. Most payment processors charge a percentage of the transaction amount, which may vary depending on the service. Some may also charge monthly fees or additional costs for specific services.
Here are some factors to consider:
- Percentage Rate: A common practice is a flat percentage per transaction, typically around 2.9% for online payments. However, additional fees can vary for specific industries.
- Monthly Fees: Some processors have a monthly subscription model, which should be factored into overall costs.
- Additional Charges: Understand any extra fees, like chargeback fees or international transaction costs. These can significantly add up over time.
An example of a popular processor, PayPal, charges 2.9% + $0.30 for domestic transactions. Small businesses must analyze their average transaction size to gauge how these fees will impact their bottom line.
User Interface and Experience
A user-friendly interface is vital for both merchants and customers. Small businesses must consider how easily staff can navigate the payment system. A complication can lead to errors or delays during the checkout process, frustrating customers. Here are key aspects:
- Simplicity: Look for providers offering intuitive navigation and clear instructions.
- Mobile Optimization: With an increasing number of transactions occurring on mobile, a responsive design is essential.
- Customization Options: Some processors allow businesses to brand their payment pages, resulting in a more integrated customer experience.
Stripe is notable for its clean, developer-friendly interface that enables easy customization, which many small business owners favor.
Integration Options
It’s crucial for payment processors to integrate seamlessly with existing business systems, such as accounting or e-commerce platforms. Integration saves time and reduces human error by automating processes. Key integration considerations include:
- E-commerce Compatibility: Check which online store systems are supported, as many businesses rely on platforms like Shopify or WooCommerce.
- Accounting Software: Integration with accounting solutions can simplify financial tracking and reporting.
- API Capability: For tech-savvy businesses, the ability to customize integration through API access can be a significant advantage.
For instance, Square integrates well with popular accounting software like QuickBooks, offering a streamlined approach for tracking payments and finances effectively.
Specific Use Cases
Understanding the specific use cases for online payment processors is essential for small businesses. Different business models have unique requirements, and selecting a payment processor that aligns with these needs can enhance operational efficiency and customer satisfaction. In this section, we will explore three primary use cases: e-commerce businesses, service providers, and non-profits. Each scenario presents distinct challenges and opportunities, illuminating the necessity of tailored payment solutions.
E-commerce Businesses
E-commerce has exploded in recent years. With more consumers comfortable shopping online, businesses must have a robust payment system. An efficient online payment processor can significantly influence the customer experience.
- Speed of Transactions: Fast processing times ensure that customers complete purchases without frustration. E-commerce businesses should prioritize payment processors that offer immediate transaction confirmation.
- Multiple Payment Options: Savvy online shoppers expect various payment methods, from credit cards to digital wallets like Venmo or Google Pay. The right processor should cater to these varying preferences to avoid cart abandonment.
- Integration Capability: E-commerce sites often use platforms like Shopify or WooCommerce. Payment processors that easily integrate with these services streamline operations, making it easier to manage sales and inventory.
Overall, choosing a payment processor that allows for ease in management and provides a smooth purchasing experience is critical for e-commerce success.
Service Providers
Service providers, including freelancers and consultants, have specific payment needs. Their payment models may involve subscriptions, one-time fees, or ongoing contracts, making it crucial to select a suitable processor.
- Recurring Billing Features: For businesses that depend on regular payments, such as gym memberships or software subscriptions, processors should facilitate automated billing. This feature saves time and reduces late payments.
- Invoicing Capabilities: Some service providers rely on invoicing for their payments. Payment processors that allow for easy invoice generation and tracking can enhance the workflow and improve cash flow management.
- Client Payment Options: Flexibility in payment options is important. Service providers should consider processors that accept both credit card payments and bank transfers, accommodating clients' preferences.
A good payment processor not only simplifies transactions but also helps maintain strong client relationships, which is essential in service-based businesses.
Non-profits
Non-profit organizations face unique challenges in fundraising and donation management. An effective payment processor can significantly impact their ability to gather funds and support their missions.
- Low Transaction Fees: Many non-profits operate on tight budgets. Selecting a processor with low fees ensures that more of each donation goes toward their cause rather than fees.
- Donor Management Tools: Payment processors tailored for non-profits often include donor management software, which can help track donations and send receipts, adding a level of professionalism.
- Fundraising Features: Non-profits may benefit from processors that incorporate crowdfunding or campaign funding features, allowing them to run multiple fundraising efforts more efficiently.
For non-profits, aligning with a payment processor designed for their unique requirements can enhance their fundraising capabilities and reduce operational overhead.
In summary, recognizing the specific use cases for online payment processors empowers small businesses to choose solutions that meet their needs. Whether entering the e-commerce arena, serving clients, or generating donations, selecting the right payment processor is key to maximizing success.
Integration with Accounting Software
The integration of online payment processors with accounting software is a significant aspect for small businesses. This integration streamlines financial operations and enhances productivity. Small business owners need to be aware of how this connection can influence their overall efficiency.
When payment processing systems sync with accounting platforms like QuickBooks, FreshBooks, or Xero, it means less manual data entry. This reduces the likelihood of human errors occurring. Moreover, transactions can automatically update in financial records. Accuracy in bookkeeping is vital for small businesses. Accurate records lead to better financial planning and can assist in compliance with tax regulations.
Benefits of Integrating Payment Processors with Accounting Software
- Real-time Data Syncing: This allows businesses to see their financial position instantly, which can influence quick decision-making.
- Automated Reconciliation: Payment processor integrations simplify the reconciliation process. Matching receipts to invoices becomes much easier and faster.
- Improved Cash Flow Management: With automated tracking, business owners can monitor cash flow more effectively. This ability boosts overall financial management.
- Enhanced Reporting Capabilities: Comprehensive reports and analytics become available with integration. This data helps identify trends in sales and expenses, aiding in crafting strategic moves.
Considerations for Integration
While the benefits are substantial, several considerations exist:
- Compatibility: Ensure that your chosen payment processor supports integration with your accounting software. Not all services work well together.
- Cost Implications: Check for additional fees associated with integration. Some payment processors may charge extra for this feature.
- Onboarding Difficulty: The integration process should not be overly complicated. A user-friendly interface facilitates quicker implementation.
In summary, integrating online payment processors with accounting software is essential. It can significantly enhance operational efficiency in small businesses. Therefore, evaluating this feature when choosing a payment processor is a smart strategy.
"Integrating payment processing and accounting systems can save hours of work every month." - Small Business Owner
Make informed decisions to ensure your business runs smoothly.
Mobile Payment Solutions
As the digital landscape continues to evolve, small businesses must adapt to the changing demands of their customers. One of the most significant shifts has been the rise of mobile payment solutions. These systems enable users to make payments through their mobile devices, aligning with consumer preferences for convenience and speed. In this section, we will explore the various aspects of mobile payment solutions.
Mobile payment solutions are vital for small businesses for several reasons. First, they enhance customer experience. Consumers today expect seamless and quick transactions, especially with the rise of contactless payments. By implementing mobile payment solutions, businesses can cater to this need, making the purchasing process smoother.
Another important consideration is the growing smartphone usage. A large percentage of the global population uses smartphones regularly for shopping and banking. Businesses leveraging mobile payments can tap into this market, providing an option that many consumers find preferable. Additionally, mobile solutions often integrate with loyalty programs, enabling businesses to foster ongoing relationships with their customers.
Lastly, incorporating mobile payment solutions can improve transaction speed and reduce queues in physical locations. This efficiency can lead to increased sales, enhanced customer satisfaction, and potentially higher revenue for small businesses.
Benefits of Mobile Payments
The benefits of mobile payments extend beyond mere convenience. Here are some key advantages:
- Increased Sales: By accepting mobile payments, businesses can cater to a wider audience, capturing those who prefer to pay via their mobile devices.
- Enhanced Security: Many mobile payment systems use advanced encryption and tokenization, which can provide better security for transactions compared to traditional methods.
- Faster Transactions: Customers often complete payments quicker, reducing waiting times and improving turnover rates.
- Customer Insights: Many platforms offer analytics features that can help businesses understand buying patterns, aiding marketing strategies.
"In today's market, adopting mobile payment solutions can signify a commitment to customer satisfaction and efficiency, which are crucial for surviving and thriving in a competitive landscape."
Embracing mobile payment solutions is not merely about following trends; it represents a strategic move toward enhancing operational efficiency. For small business owners, recognizing the benefits of mobile payments can lead to smarter decisions that align with consumer behavior and expectations.
Security and Fraud Prevention
In the realm of online payment processing, security and fraud prevention stand as critical components for sustaining trust and protecting sensitive financial data. For small businesses particularly, safeguarding transactions is not just a necessity, but a foundational element for long-term growth and customer loyalty. Addressing security concerns effectively can mitigate risks and enhance consumer confidence in a business's ability to handle payments safely.
Today, many payment processors offer robust security measures designed to shield both the business and its customers from potential threats. These include standards like PCI compliance, fraud detection tools, and features that monitor transactions in real-time. By investing in these measures, businesses not only comply with legal requirements but also distinguish themselves in an increasingly crowded market.
"Security is not just a feature; it’s a commitment toward the customer for peace of mind."
Understanding PCI Compliance
Payment Card Industry Data Security Standard (PCI DSS) compliance is a set of guidelines established to protect card information during and after a financial transaction. The standards are mandatory for all companies that accept credit card payments, encompassing both online and offline transactions. Achieving compliance requires businesses to adhere to a series of stringent requirements, including maintaining a secure network, encrypting transmission of cardholder data, and implementing robust access control measures.
Small businesses should not overlook PCI compliance as a simple checkbox to be marked off. Failing to comply can result in severe fines, hefty penalties, and irreversible damage to a company's reputation. Therefore, choosing a payment processor that guarantees PCI compliance is paramount. Many processors provide assistance in meeting these standards, offering resources or services that can simplify the process.
Fraud Detection Tools
Fraud detection tools are essential for minimizing the risk of fraudulent activity and protecting assets. These tools utilize advanced algorithms and machine learning techniques to identify unusual patterns and behaviors in payment transactions. Utilizing such technology allows businesses to quickly react to potentially malicious activities before they escalate.
Some fraudulent actions may include unusual chargeback rates or transactions that involve mismatched data. Therefore, businesses should ensure that the payment processor they choose provides sophisticated fraud detection mechanisms. Key features to look for include:
- Real-time monitoring: Constant scanning of transaction activities can quickly identify suspicious actions.
- Address Verification System (AVS): This verifies the customer's address against the card issuer's records.
- Card Verification Value (CVV): The processing system checks the CVV number for additional assurance.
Customer Experience and Trust
In the highly competitive landscape of online payment processing, customer experience and trust emerge as critical factors that influence consumer behavior. A seamless transaction experience can greatly affect a business's reputation. When customers feel confident in their payment processing systems, they are more likely to return for future purchases. This section will delve into the vital elements that contribute to customer experience and the necessary assurances that build trust.
Key Elements of Customer Experience and Trust
Quality of service and user experience go hand-in-hand when discussing payment processors. If a payment system is cumbersome, customers may abandon their carts, leading to lost sales. Conversely, an intuitive and efficient payment process enhances customer satisfaction.
Building Customer Trust
Building trust with customers is not a simple task. It requires consistent actions and clear communication. Here are some effective strategies to foster trust:
- Transparent Policies: Ensure that the terms of service, privacy policies, and fees are communicated clearly. Customers appreciate transparency and will feel more comfortable when they understand what to expect.
- Reliable Security Measures: Implementing advanced security protocols is necessary. Use technologies like tokenization and encryption to protect sensitive information. When customers know their data is secure, they are likely to complete their transactions.
- Consistent Performance: Payment processors should maintain high uptime rates and quick transactions. Customers become wary of services that frequently face downtimes or delays.
- Responsive Customer Support: Having accessible support channels will help resolve customer inquiries swiftly. A responsive support team can address issues before they escalate into trust-damaging situations.
"Trust is built through consistent, positive interactions and strong security measures."
Streamlining Checkout Processes
A streamlined checkout process is vital for enhancing customer experience. The fewer the steps involved, the better the likelihood of completing a transaction. Consider the following aspects:
- Guest Checkout Options: Allow customers to check out without creating an account. This reduces friction and makes it easier for first-time buyers.
- Auto-fill Capabilities: Use browser cookies and form autofill features to speed up data entry. Reducing manual input saves time and makes the process more pleasant.
- Multiple Payment Options: Include various payment methods such as credit cards, digital wallets, and bank transfers to cater to customer preferences.
- Progress Indicators: Displaying a progress bar or steps helps customers understand how far along they are in the payment process. It sets expectations and reduces anxiety.
By emphasizing customer experience and trust, small businesses can create lasting relationships with their clients while optimizing sales. Implementing these strategies will not only enhance satisfaction but also drive customer loyalty.
Epilogue and Recommendations
In today’s fast-paced digital economy, selecting the right online payment processor is essential for small businesses. At the core of this decision lies an understanding of the unique needs of your business model and customer base. As we’ve explored in previous sections, the right processor not only ensures seamless transactions but also fosters trust and loyalty among customers.
When concluding the research on various online payment processors, it is imperative to consider multiple factors:
- Transaction fees: High fees can eat into profits. Choosing a processor with transparent and competitive fee structures is crucial.
- Security: Ensuring robust security measures and proper compliance with regulations minimizes the risks of fraud and helps in maintaining customer trust.
- Ease of integration: Consider how well a payment processor will integrate with existing systems, including accounting and e-commerce platforms. A simple integration can save time and resources.
- Customer support: Reliable customer service can resolve issues quickly, making a processor more appealing.
"Choosing the right payment processor can be as significant as selecting the right business model. It directly influences operational efficiency and customer satisfaction."
Recommendations for small business owners include evaluating if the processor caters to specific industry needs or customer demographics. For example, businesses operating primarily online might benefit greatly from processors like Stripe, whereas retail outlets may lean towards Square for its point of sale functionalities.
Additionally, always check user reviews and case studies. Real-world application of payment processors can offer insights that specifications may not cover.
In summary, the process of choosing a payment processor involves careful analysis and clear understanding of your requirements. Those who invest time in these considerations stand to enhance their operational efficiency and customer interactions significantly.
