Whether you’re sending out cold emails all day or drafting up campaigns and proposals, it’s tedious to spend time pouring over grammar. You can waste precious time deciding if you’re supposed to be using ‘affect’ or ‘effect’ or if you’ve used the word ‘very’ too many times. Instead, finding the best grammar checker for your work can automate this task and boost your productivity.
These days, there are many grammar checkers out there that all claim to be the best. Here are some of the best grammar checkers used and trusted by thousands of users every day.
What is a grammar checker?
A grammar checker is a program or software that analyzes text for spelling and grammatical errors.
Some grammar checkers may automatically edit content as you write, while others will flag incorrect spellings or awkward phrases for you to review. Many editors will even take you line by line to identify passive sentences, overly long paragraphs, or other complex errors that even keen human eyes may miss.
Using a grammar checker can give you some peace of mind when you’re writing a lot of content daily. Never again will you accidentally and embarrassingly leave off the ‘o’ at the end of ‘hello’ or misspell a simple word on a huge event poster. This software can help automate editing, so you can focus on getting your thoughts written down and submitted by the deadline.
What are the best functions of a grammar checker?
Some grammar checkers may just check the basics, like spelling and punctuation. More advanced programs can identify passive sentence structures, awkward phrases, and copy that is too complex for the average reader. How you work will greatly determine what functions you need.
Consider looking for options that check spelling, grammar, readability, redundancies, sentence length, and repeated words. For example, some grammar checkers can even tell if you have started consecutive sentences with the same word, so you can avoid your copy sounding monotonous.
If you’re wanting to create error-free copy, consider one of these top grammar checkers, both free and premium. You’ll find options that even work for emails, social media, and on your phone.
Best Grammar Checkers
- Hemingway Editor
- Google/Google Docs
1. Hemingway Editor
Looking for a free grammar checker? Consider Hemingway Editor, which is one of the best free grammar checkers with plenty of advanced features. This website and desktop app reviews your writing to determine readability with the Flesch-Kincaid reading level, which generally recommends that you aim for easy, conversational language to fairly easy-to-read content (grades 6 through 8 on the scale).
This program will scan content for adverbs, passive sentences, and complex or long sentences. It highlights issues in various colors, so you can edit in real-time. The big drawback with this free program is that you’ll need to copy and paste your text over into the editor; it doesn’t scan your text in emails or other documents.
You’ve probably heard of Grammarly, which is one of the most popular grammar checkers out there. This software uses AI to improve your writing. It includes a free browser extension with limited features or a paid version with more advanced checking tools. The free option checks grammar, spelling, and punctuation.
What makes Grammarly unique is that the premium plans even check your tone, so Grammarly can tell you if your email sounds too harsh or it can recommend ways to make your words sound more confident. Another perk of Grammarly is that once you install it, it works across multiple platforms, including documents, emails, and even social media.
Ginger is another free grammar checking program with a website, browser extensions, and even an app for iOS and Android, so you can work on the go. For a free grammar checker, Ginger has impressive tools to detect basic grammar errors as well as more complex issues like inconsistent verb tenses, singular versus plural errors, and subject-verb disagreement.
You can check text and fix multiple issues with just one click, making Ginger efficient and a major productivity booster.
ProWritingAid is a browser extension with a user-friendly interface to help you improve your content. It grades content on readability to make sure it isn’t too difficult to read.
There are also handy tools that evaluate sentence variety and passive voice. It’s especially helpful for creative writers, thanks to two unique features that identify unusual dialogue tags and emotional tells. This encourages more creativity, particularly for long-form writing.
In addition to the grammar checker, ProWritingAid works almost like a mentor by offering educational tools like articles, videos, and even quizzes to strengthen your writing skills. The program is free for basic features, but you can upgrade to premium options for the more in-depth tools and a bonus plagiarism tracker.
If you want a trusty grammar checker used by major universities and corporations, WhiteSmoke is one to consider. It can detect a number of grammar errors, including sentence fragments, comma splices, run-on sentences, misspellings, and more. The program’s style checker detects monotonous sentence lengths and switching tenses, and WhiteSmoke also offers a translator that can translate single words or full texts to and from 55 different languages.
There’s no free plan for WhiteSmoke, but you can start checking your content as low as $5 per month. It works with any browser and for Gmail.
6. Google Workplace/Google Docs
If you have a Gmail account, you already have access to a free and pretty robust grammar checker. Type up an email, and Gmail will automatically flag words or phrases it thinks could be mistakes. The same goes for Google Docs.
While you might want to download additional software for more advanced features, Google offers some helpful spelling and grammar checking services for free with your account.
Trusted by big names like Amazon and RingCentral, LanguageTool is a multilingual grammar checker that analyzes text for grammatical, spelling, and style issues. The user-friendly interface offers light or dark mode, so spending a day writing doesn’t have to equate to tired eyes.
The service keeps text secure, important if you’re working with sensitive or exclusive information. With LanguageTool, you can set up a personal dictionary of words, so the program won’t mistakenly flag your company’s branded names.
The program works along with multiple browsers, word processors like Microsoft Word and Google Docs, or email, and you can also choose browser extensions or even the desktop app. The free plan will check up to 10,000 characters per text, or opt for more advanced features with the individual or team plans.
The aptly named Writer is an AI editing program that helps create crisp, clean copy that fits your brand’s voice. It includes autocorrect and autocomplete features, so hitting inbox zero has never been easier. You can create your own library of relevant marketing terms, customize the writing and grammar rules to fit your brand, and even build a company style guide with Writer.
As you type Writer will highlight mistakes or phrases it thinks could be better, and as you hover over each section, you’ll be greeted with intuitive suggestions to make the content concise and engaging. There’s a free plan or a free trial for more advanced plans, which include options for individuals, teams, or enterprises.
Automate Editing With a Reliable Grammar Checker
There’s a trusty grammar checker for every business and budget. Even free versions will give you plenty of insight into your copy, so you can reduce passive voice, minimize errors, and create content that will engage clients, boost sales, and grow your business.
When choosing a grammar checker, keep in mind where you need it most — do you want it to review emails and blogs, or just internal documents? Will it check for anything beyond spelling? Once you have the features you want the most, you’ll have an easier time finding the right one for you.
How to Accept Payments Online [7 Top Payment Processing Providers]
In this post, we’ll talk about the software options available for accepting payments online — including some free options, and how payment processing can help streamline your business processes and increase sales.
But first, let’s cover the basics of how payment processing works.
What is payment processing?
A payment processor is a company that facilitates electronic payments (credit card, digital wallets, ACH) between a business and the bank. Essentially payment processors handle all of the backend logistics between merchants, banks, and credit card companies that enable businesses to accept payment.
How does payment processing work?
When you shop at a retailer and pay with a credit card, the payment processor works in the background to authenticate and complete the transaction, moving the money from your account to the business’ account.
Here’s what happens behind the scenes when a customer makes a card payment:
- A customer gives the merchant their credit or debit card to make a purchase. This is either done using a payment terminal in-person or through an online payment page.
- The card information goes through a payment gateway or portal which encrypts the customer’s personal data to ensure privacy and sends it to the payment processor.
- The payment processor then sends a request to the customer’s issuing bank to see if they have enough credit (or cash if using a debit card) to pay for the purchase.
- The card issuer either approves or denies the purchase.
- The payment processor sends this “approved” or “denied” info back to the retailer to complete the transaction with the customer.
- Once complete, the processor tells the customer’s bank to send funds to the retailer’s banking institution.
While this sounds like a lot of steps, it all happens in a matter of seconds and requires no work on your end or the customer’s.
Benefits of Payment Processing
Here’s a look at some of the advantages payment processing software will bring to your business.
Convenience is one of the main factors that influence conversion rate. The more steps a customer has to take to make a payment, the more likely they are to abandon their purchase and go elsewhere.
Payment processors can transfer most payments between shoppers and sellers instantly. On the other hand, transfers to and from bank accounts can sometimes take 24 hours or more.
Many payment processors are brands that are globally recognized. If a customer already uses payment software, they’re more likely to trust your payment system.
Payment processing companies add an extra layer of protection to online transactions. You can set limits, flags for activity on your account, and sometimes even a time frame to recall payments.
With payment processors, you’ll have access to your account online and can manage your contacts, recurring payments, and other account activity via desktop or mobile.
Costs to Consider When Using Payment Processors
While payment processors offer convenience and security among other perks, they also come at a cost. Each player in the payment chain — banks, credit card companies, and the payment processor takes their cut. Here are some of the transaction fees to look out for.
- Interchange Fee: These are fees paid to the card issuer (Chase, TD Bank, Bank of America, etc.) The card issuer gets paid by getting a percentage of each sale.
- Assessment Fee: These fees are paid to credit card associations (Visa, Mastercard, Amex).
- Acquirer or processor Fee: These are fees paid to the processor (PayPal, Square, Stripe).
- Merchant Fee: This is a fee paid to your merchant bank. The percentage charged will depend on the volume of transactions, the number of sales, and the industry.
The interchange, assessment, and merchant fees are bundled together and quoted as one percentage. The Processor fee is quoted separately. For example, your transaction fees could be 3% total with a $0.20 processor fee per transaction. This will be good to keep in mind when considering what pricing structure to go with, which we’ll explore in the next section.
Payment Processing Pricing Structure
Another factor to consider is pricing structure, which will vary from one processor to another. This structure typically falls within the categories below:
1. Interchange Plus
With Interchange Plus pricing, the retailer pays an additional fee plus the interchange amount. For example, you would be paying a 3% interchange rate plus a $0.25 per transaction.
- Pros: This can be a more cost-effective option than other structures.
- Cons: Because there are hundreds of interchange rates, the costs will vary significantly from one transaction to the next.
This is a fixed rate percent for all transactions paid in a certain manner regardless of the interchange rate. For example, you could pay 2% plus $0.20 for in-person purchases and 2.5% plus $0.25 for online purchases.
Pros: Your costs are predictable.
Cons: Your costs may be higher than the interchange plus model if you have a high volume of sales.
Tiered pricing combines aspects of flat-rate and interchange plus. In this model, interchange rates are categorized into buckets or tiers. The processor then assigns a cost to each tier. For example, on a $75 purchase, you could have fees ranging from $2 to $3 depending on which tier it has been classified as.
Pros: Rates are easier to understand since the hundreds of possible interchange fees are bundled into predetermined tiers, making costs more predictable.
Cons: Since the processor sets the tiers, the overall costs can be higher than the other options.
Now that we’ve explained the costs, let’s look at some of the best online payment processors on the market.
Top Online Payment Processing Providers
Once you’ve developed a strategy for accepting payments online, you’ll need to decide which payment processing provider to use. Here are seven of the most popular options:
Price: 3.49% plus $0.49 per transaction.
PayPal is one of the most trusted and widely recognized payment processing companies. It’s free to join and they provide all the tools you’ll need to integrate PayPal payments into your website and set up a secure payment gateway for visitors. Additionally, comprehensive coverage makes the platform a good choice for international companies.
Price: 2.9% plus $0.30 per transaction.
Stripe offers a wide range of options for online businesses such as customizable checkouts as well as subscription management and recurring payment features. Stripe supports all major credit cards, mobile paying apps, wallets, and more.
Price: 2.9% plus $0.30 per transaction.
Square entered the payment processing space by introducing a dongle that sellers could insert into a mobile phone to accept credit card transactions.
They’ve since expanded their software to cover all the major payment processing options and have included some useful tools for online businesses as well as high-street stores.
You can even create a basic website for free and integrate all of their point-of-sale (POS) solutions at the same time. They also have paid options for a custom website.
4. Google Pay
Price: Google Pay doesn’t charge any fees — merchants only pay transaction fees as usual with credit/ debit sales.
Google Pay has a payment tool for businesses, websites, and apps. Google Pay’s APIs work to create a delightful checkout and payment experience for your customers.
If you use Google Pay on your website, you’ll gain secure and easy access to hundreds of millions of cards saved to Google Accounts worldwide so customers can pay for your products safely and at the touch of a button.
5. Apple Pay
Price: Apple Pay doesn’t charge any fees — merchants only pay transaction fees as usual with credit/ debit sales.
Apple Pay can be used on websites, in stores, by app, and via Business Chat or iMessage. It allows Apple users to quickly and safely input contact, payment, and shipping information during checkout.
Rather than having your ecommerce customers look around for their credit cards, Apple Pay allows them to checkout at the click of a button within apps and websites. On a website, an Apple users will simply click “Apple Pay” as their payment option, confirm the payment with one tap (via their iPhone, Apple Watch, etc.), and they’re good to go.
Price: 1.9% plus $0.10 of the payment.
You can set up a business profile on Venmo so users can quickly find your profile on the app. And if you add Venmo to your website, it’ll appear as a payment option right next to where it’ll give customers the option to pay with PayPal.
Once a customer selects the Venmo option at checkout, they’ll be directed to their Venmo app to complete the transaction. The Venmo payment option can be added to any of the pages of your ecommerce site that would also show the option to pay with PayPal, including your product pages, shopping cart page, and checkout page.
Price: 2.38% plus $0.25.
Helcim is an online payment solution for ecommerce businesses — you can choose to start an online store from scratch or add a payment solution to your current website.
The easy-to-use and secure online payment system integrates into your website, shopping cart, billing system, and/or app, thanks to Helcim’s API. In addition to in-app and via website, Helcim works over the phone, in person, and by invoice, and it integrates with your accounting tools to save you time when it comes to bookkeeping.
Next, let’s cover the steps involved in receiving payments online.
How to Accept Payments Online
- Create a secure online payment gateway.
- Facilitate credit and debit card payments.
- Set up recurring billing.
- Accept mobile payments.
- Use email invoicing.
- Accept electronic checks (eChecks).
- Accept cryptocurrency payments.
1. Create a secure online payment gateway.
There are a couple of ways you can approach creating a secure online payment gateway. You can hire an outside developer or use your website development team to create a bespoke gateway. Or, you can use third-party software.
Setting up a secure gateway is essential. You’re also putting automated processes in place, which will save time on manual processing, especially as you scale your business and handle more transactions.
The more payment methods you make available within your payment portal, the wider the audience, and the easier it’ll be for your customers to send you money.
2. Facilitate credit and debit card payments.
Although it may change as mobile payments become more prevalent, using debit/ credit cards is still the most popular way people pay for products and services online.
You can easily facilitate accepting card payments through established payment providers such as PayPal or Stripe. These will accept the most-used credit cards worldwide — Visa, MasterCard, and American Express.
3. Set up recurring billing.
If you offer subscription plans or ongoing monthly services, the most efficient and reliable way to invoice and receive payments is via recurring billing.
Most of the major payment processing software also includes recurring billing features. For example, Growth Marketing Pro built an SEO tool that charges subscribers on a monthly basis and they used Stripe to set this up.
Sites like Paysimple also offer a suite of tools to set up custom, automated recurring billing if you already have a payment processing system in place.
Using automation is essential. It removes most human error and the stress of keeping track of invoicing and payments.
Your customers can commit to recurring payments with just a few clicks, and you won’t have to worry about manually managing your customer base.
4. Accept mobile payments.
These days, people are often more likely to have their phones on hand than debit cards — plus, mobile payment apps are more convenient than ever.
For instance, Apple Pay has quickly become one of the most popular mobile payment systems in the United States. With an estimated 43.9 million users, you’d miss out if you didn’t accept Apple Pay.
Google Pay, Venmo, and PayPal also have mobile apps with a decent market share.
5. Use email invoicing.
Email invoicing is a proactive way to request payments. You can share a payment form through email or add a link redirecting the recipient to a payment portal.
However, there are a couple of issues with this method: Email isn’t the most reliable form of communication, and customers can have trust issues making payments via email.
Expect a failure rate, but it’s a vital part of payment processing for a lot of businesses.
6. Accept electronic checks (eChecks).
To accept eChecks for payment, you need a form where the user can input their information, which you can see using payment processing software.
It’s basically a way to pay by check online. It’s a quicker and more reliable way than sending a paper check through the post, so offering this to your customers will make the process run smoother.
7. Accept cryptocurrency payments.
If you’re okay with handling cryptocurrencies, it’s a way you can extend your reach to a broader online audience.
Sites like Bitpay provide all the tools you need to accept crypto payments online, send invoices, request payments, and receive money on the go-through apps.
Because they’re a decentralized exchange, cryptocurrencies offer some unique benefits for businesses. You can accept payments from anywhere in the world without incurring currency exchange fees or bank handling fees. There’s also a reduced risk of fraud.
Start Accepting Payments Online for Free
No matter which payment processing software you choose, the most important part is making it easy for the customer to pay. And the more ways they can pay, the more likely your customers will follow through on a purchase.
Editor’s note: This post was originally published in April 2020 and has been updated for comprehensiveness.
How to Accept Payments Online [7 Top Payment Processing Providers]
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