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4. Unified Platforms: The first Visa/Mastercard/SWIFT-free payments system – the Unified Payments Interface (UPI) by NPCI was launched in 2016. UPI is an open-source platform designed for the mobile age that helps with easy integration of various payment platforms. UPI is powered by a single payment API and a set of supporting APIs. UPI offers a whole new model of the financial services industry ecosystem. UPI became a starting point of what SWIFT called a journey to a single payments platform. UPI is a benchmark to what the payments landscape should be moving towards given that oversaturated payments ecosystem, where too many ‘pay’s’ won’t let anyone win. Disjoint experiences across businesses create customer confusion, and, at the end, with a limited customer base, limit opportunities for every payment service provider – existing and new. Professionals from SWIFT emphasize that the payments industry must migrate from a plethora of aging and expensive systems and schemes to a single platform to process all payments. However, a single payment experience for customers (based on seamless system interoperability, comparable to mobile telephony) is a more probable future than a single payments platform.

For more than a decade, Jeffrey L. Wilson has penned gadget- and video game-related nerd-copy for a variety of publications, including 1UP, 2D-X, The Cask, Laptop, LifeStyler, Parenting, Sync, Wise Bread, and WWE. He now brings his knowledge and skillset to PCMag as a Lead Analyst. When he isn't staring at a monitor (or two) and churning out web hosting, music, utilities, and video game copy, Jeffrey makes comic books, mentors, practices bass and Jeet Kune Do, and appears on the odd podcasts or convention panel. He also collects vinyl and greatly enjoys a craft brew. 
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While the the best of them offer surprising amounts of flexibility, they also impose stringent enough restrictions to page design that you shouldn't be able to create a really bad looking site using one of these services. Typically you can get a Mysite.servicename.com style-url with no commerce abilities for free from one of these services; you have to pay extra for a better URL and the ability to sell. One issue to consider is that if you eventually outgrow one of these services, it can be hard to export your site to a full scale advanced web hosting like Dreamhost or Hostgator. If you know that's where you are eventually going, it may be better to skip the sitebuilder step.
Absolutely. You have the option to customize your website based on your business needs. You can add site content wherever you’d like in a variety of sections; from multiple site pages, to scrollable sections that you can add to each of those pages, to a gallery of images, menus and price lists, and YouTube or Vimeo videos. Each section in your website is customizable as well, from the name of the page, to your website’s navigation bar. You’ll also have the ability to change text colors, styles and font. It’s important to make a responsive website that is mobile and desktop friendly. With Website Builder you’ll be able to choose tablet and desktop layouts to give your visitors the experience you want them to have.
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