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Meios de pagamento: o que são, tipos e como escolher o melhor

O boleto bancário é uma forma de pagamento regulamentada pelo Banco Central do Brasil, e efetuada de maneira ativa pelo cliente. Ou seja, o cliente/consumidor gera o boleto e tem um prazo determinado para pagar o valor cobrado pelo emissor, a empresa ou loja, por exemplo. Afinal, o cliente pode transferir o dinheiro para a empresa fazendo um pagamento via cartão de crédito, como se ele estivesse comprando créditos na moeda utilizada pelo PayPal.

Dessa forma, ele ficará satisfeito com as possibilidades, havendo maior probabilidade de fechar negócio. É uma ótima oportunidade para pequenas empresas, ou para quem está iniciando no e-commerce e não pode ter grandes gastos na criação da sua loja virtual. Basta cadastrar os produtos na plataforma de pagamento e enviar o link gerado para cada produto pelas redes sociais, por exemplo. De acordo com os dados da consultoria Visa Consulting & Analytics, a utilização do cartão de débito como meio de pagamento no comércio online cresceu 70% entre junho de 2018 e junho de 2019. Em 2022, dados da pesquisa Meios de Pagamento no Brasil (Opinion Box), revelam que o pagamento com cartão de débito é responsável por 66% das compras. Essa forma de pagamento não era muito utilizada na internet, em função da dificuldade tecnológica que envolvia.

Principais Formas De Pagamento Usadas No Brasil

Eles fazem a integração entre sua plataforma, instituições financeiras e operadoras de cartão de crédito, oferecendo a forma de pagamento solicitada. No caso, o cliente faz o pagamento ao intermediador, que, por sua vez, aciona o banco ou a bandeira de cartão de crédito. A transferência bancária é uma forma de pagamento muito simples, onde o cliente pode transferir ou depositar o dinheiro para a conta da empresa. Por outro lado, há o risco de fraude e prazos demorados para receber o valor pago com cartão. Utilizando essa forma de pagamento, é preciso aguardar cerca de dois dias para receber compras no débito e um mês para crédito à vista, caso não haja antecipação de recebíveis. Devido a esses dois aspectos, o uso dos cartões de crédito e/ou débito aumentou consideravelmente.

Quais são os tipos de pagamento online?

Meios de pagamento: veja qual é o modelo ideal para o seu negócio!

Hoje, porém, graças ao surgimento de novas tecnologias, há um grande crescimento no uso do débito para as compras online. Combinando a estratégia de oferecer diferentes meios de pagamento com a aplicação de um controle preciso da sua operação, você potencializa os resultados do negócio e pode acompanhar o seu crescimento de forma sustentável. Mas oferecer flexibilidade e variedade não quer dizer que você precisa aceitar todas as formas de pagamento. Com a popularização do comércio eletrônico e crescimento das vendas pela internet, as formas de pagamento online também vêm crescendo.

Agora, os clientes se sentem cada vez mais à vontade com o uso do “dinheiro plástico” e dos pagamentos digitais no dia a dia. Nas lojas virtuais, diversificar os meios de pagamento online, investir em um site seguro e divulgar esses recursos é fundamental. As transações em dinheiro também são processadas mais rapidamente do que outros tipos de pagamento, como emissão de cheque ou passagem de cartão de crédito, além do fato de não estar sujeito à inatividade ou problemas técnicos.

Quais são as melhores ferramentas de pagamento online?

Se você possui uma empresa e, portanto, trabalha com a venda de produtos e/ou serviços no dia a dia, sabe que os clientes têm preferências diversas na hora de realizar um pagamento. Com esses dados em mãos, você consegue oferecer os meios de pagamento mais desejados pelo seu público-alvo e, como consequência, realizar mais vendas. Embora receber em dinheiro traga liquidez para a empresa e economia para os cofres empresariais, esse método está já em desuso e não apresenta a mesma segurança que os recebimentos digitais. Por ser uma opção mais acessível do que uma conta digital, as carteiras digitais têm se popularizado por facilitar e agilizar a jornada de compra do consumidor. Os pagamentos feitos via Pix ultrapassaram os pagamentos com cartões de débito e cartões de crédito em janeiro e fevereiro de 2022, respectivamente.

Vale ressaltar que essa escolha deve ser feita de acordo com as necessidades da loja e de seus clientes. O Paypal ode ser integrado à loja virtual por meio de checkout na plataforma ou de maneira transparente. Há a disponibilidade de módulos para as principais soluções de e-commerce existentes no mercado, como Magento, WooCommerce e PrestaShop.

Inclusive, a digitalização das cobranças é uma tendência cada vez mais presente no dia a dia da população brasileira. Afinal, os métodos de pagamento online trazem cupons amazon mais comodidade e segurança às operações financeiras. Os tipos mais comuns de pagamento no Brasil são o Pix, dinheiro, cartão de crédito e cartão de débito.

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