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Many cellular carriers proudly claim to have unlimited data plans, but that’s misleading: in many cases, you’ll face throttling once you pass a cap. You might have to pay extra to restore the service you expect, and features like hotspot tethering or cellular smartwatches might have their own restrictions.

As such, it’s as important as ever to manage your data usage, even if some “unlimited” plans are more forgiving than others. Thankfully, there are plenty of ways to keep your use in check — and they won’t necessarily hurt your experience.

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Throttling can kill the joy

It might even land you in trouble

If your carrier throttles data speeds once you exceed a cap on an “unlimited” plan, it’s not just a hassle — in some cases, it can prevent you from using whole services. Google Fi limits you to 256Kbps, for instance, making music and video streaming largely impractical. You can use it to check your email or (slowly) browse the web, but not much else.

Some networks might not throttle you all the time, but will instead reduce the priority of your data traffic in busy locations. Mint Mobile, for example, will put you lower on the priority list once you cross a monthly threshold (currently 50GB). If you routinely go to concerts and sports matches, you could notice slowdowns.

And there are times when that data might be vital, not just a luxury. If you’re lost, a fully-functioning navigation app could mean the difference between driving home and an expensive tow. If you need to reach a loved one, you can see them instead of just hearing from them. And if you’ve ever needed to upload a photo for a travel app, you’ll know how torturous a slow connection can be.

You might lose data on other devices

Save hotspots for when you need them

iPad Control Center showing T-Mobile Wi-Fi and VPN indicator while media plays. Credit: Patrick Campanale / How-To Geek

Many wireless providers have separate data allotments for hotspots, so you don’t have to worry that tethering to your laptop will eat into your phone’s usual full-speed allowance.

That still means you have to manage usage, particularly given that your computer might be more data-hungry than your phone. If you’re regularly holding video meetings and streaming music while you work, you’re going to hit your cap that much sooner.

Some networks will let your other connected devices piggyback on your main plan, such as smartwatches and tablets. As convenient as that is, it makes thoughtful data management that much more important. You don’t want your phone service to slow to a crawl simply because you stream music through your watch during outdoor workouts.

Keeping full speed can get expensive

It’s not usually worth the premium

A picture of a $50 dollar bill being burned on a black background. Credit: Shutterstock/George W. Bailey

There can also be a hit to your bank account if you don’t manage your data usage. If you run past a soft data cap, you might have to pay for a more expensive plan to retain full speed (AT&T only stops watching phone data use with its Premium 2.0 and Elite 2.0 plans, for instance) or, with providers like Google Fi, pay an optional overage fee for the rest of the month.

If you’re careful with your data management, you can stick to an affordable plan and stop worrying about overage fees. This both saves you money and opens the door to budget carriers that might have a lower ceiling on their unlimited service. It’s also less stressful, as you won’t scramble to conserve data when money is tight.

How to manage data usage with unlimited plans

You don’t have to give up what you love

A woman using her phone in an airport with several Wi-Fi and cellular data icons around her. Credit: M-Production / Shutterstock

There are multiple ways to manage data usage while keeping a plan that feels unlimited — that is, you don’t have to cut back on the apps and services you enjoy.

The easiest solution is to connect to secure Wi-Fi whenever you can, whether it’s at home or a trustworthy hotel network. You’ll be using cellular data only when necessary, and you’ll have the added benefit of avoiding restrictions on media quality and hotspots.

When you do have to use cellular data, you can reduce your consumption by lowering the quality for streaming audio and video. Many carriers do this automatically (it’s common to stream 480p video on lower-priced plans), but you can also dip into the settings of apps like Spotify, Netflix, and YouTube to choose lower bitrates. If you don’t insist on ultra-sharp resolutions and crystal-clear music, why chew up the data they require?

Intelligent downloads and backups can also spare you headaches. If you’re going on a trip, download that TV show or music playlist before you leave — this will also help when you’re stuck offline. Limit automatic cloud backups (particularly for photos and videos) and app updates to when you’re on Wi-Fi. That frees your mobile data for those times you’ll truly appreciate it,



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Businesses looking to modernize their payment systems may want to learn what a crypto payment processor is, how it works, and why it matters.

Cryptocurrency and the crypto industry at large often appear most prominently in investing circles, but recent advancements in blockchain, the technology that supports crypto, have expanded crypto’s usefulness. Today, businesses across industries can make practical use of crypto thanks to the advent of crypto payment processors like 0xProcessing, tools that allow them to accept crypto payments without holding crypto themselves.

Crypto and related technologies remain something of a mystery for many companies, however, so to better determine whether adopting a crypto payment processor is the right move for them, businesses should learn more about what these tools are, how they work, and why they may prove useful.

What Is a Crypto Payment Processor?

Put simply, a crypto payment processor is a tool that allows businesses to accept various cryptocurrencies as payment. When a customer selects crypto at checkout, the processor generates a unique wallet address or QR code for that transaction. The customer sends their payment to that address for verification, and upon successful verification, the processor either converts the funds to the business’s preferred fiat currency or deposits them directly into the business’s crypto wallet.

Note that this approach means businesses do not have to accept crypto if they do not want to; if a company would prefer not to deal with the volatility of managing Bitcoin, for instance, they can simply convert it to USD at the counter, minimizing the risk of the payment losing value.

Transactions made using crypto can take anywhere from a few seconds to a few minutes, depending on the cryptocurrency used, so businesses should prepare accordingly.

Why Businesses Might Use a Crypto Payment Processor

Aside from expanding payment options, there are several potential benefits to using a crypto payment processor. For businesses that operate online, accepting crypto may give them access to global customers, since most cryptocurrencies can be used from almost anywhere.

According to Deloitte, “Using crypto as a form of payment could reduce transaction fees and possibly eliminate the cost of float and the need to wait multiple days for cash settlement.”

This could be particularly true for cross-border payments, which have historically been more costly and take longer to process than domestic payments.

In more urban regions where competition between businesses tends to be fiercer, expanding the currencies they accept can make a given business appear more innovative, making it more appealing to tech-savvy consumers and other customers who may prefer to pay in alternative currencies.

Picking the Right Processor

Although crypto payment processors generally have benefits, businesses should be mindful of the specific processor they adopt, as they vary in overall quality and security.

On the whole, reliable crypto payment processors employ security features such as blockchain transparency, fraud prevention, wallet security, and compliance and KYC/AML measures. No security feature is foolproof, but these protocols may help businesses keep both their data and their customers’ data safe from fraud. This priority will likely become increasingly important as more purchases are made digitally.

Before adopting a crypto payment processor, businesses should thoroughly assess whether it would benefit them. If they serve an audience that is not interested in paying with crypto, chances are that tools to help them do so would have limited use.

Though cryptocurrency is by no means ubiquitous as a regular form of payment, its increasing popularity could prompt businesses that previously disregarded it to consider its implications for their future. For businesses that see crypto as a practical asset in the years to come, adopting a crypto payment processor could be a solid first step in preparing their operations for that future.

FAQ

Q: What is a crypto payment processor?
A: A crypto payment processor enables businesses to accept cryptocurrency payments while simplifying transaction management and settlement.

Q: Is it safe to accept cryptocurrencies as payment?
A: Generally yes, as reputable processors use blockchain verification, security controls, and compliance measures to help protect transactions.

Q: Can businesses receive fiat instead of cryptocurrency?
A: Indirectly, yes. Many crypto payment processors automatically convert crypto payments into traditional currencies.

Q: Which industries benefit most from crypto payments?
A: E-commerce, SaaS, gaming, travel, and digital service providers often see the greatest benefits from accepting cryptocurrency payment



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