Muita coisa mudou no ecossistema de pagamentos que consumidores e negócios têm ao seu dispor de há 30 anos para cá. Se, em 1990, as notas, moedas e os cheques dominavam as carteiras e caixas registadoras, hoje em dia, a panóplia de métodos de pagamento através dos quais podemos realizar uma transação são imensos.
Cartões de débito/crédito, MB Way, Google Pay, Apple Pay ou Paypal, são apenas alguns dos exemplos desse tipo de métodos de pagamento utilizados em Portugal, mas sabe qual é o mais utilizado no nosso país?
Qual é o método de pagamento mais utilizado em Portugal?
De acordo com o Banco de Portugal, os cartões de débito e crédito são, de longe, o método de pagamento mais utilizado no nosso país, com uma taxa de utilização de 88% do total de transações realizadas.
A este facto, não será alheio o forte contributo que a tecnologia contactless integrada nestes dispositivos tem dado, especialmente desde 2020.
A importância do contactless está bem patente no relatório REDUNIQ Insights (solução de conhecimento da UNICRE) relativo ao 1º semestre de 2023. De acordo com este documento sobre o panorama transacional português, nos primeiros seis meses do ano passado, os pagamentos contactless foram responsáveis por 80% das transações no Retalho, mais 5% do que em 2022 e mais 64% do que em 2019.
Este volume de transações com recurso ao contactless, acabam por ter um peso importante na faturação dos negócios portugueses, tendo atingido os 62%, mais 56% do que aquilo que se verificava em 2019.
Sublinhe-se, ainda, que o ticket médio (valor médio gasto em cada compra) nas transações contactless foi de 24,64 euros durante o período em análise.
Face a este cada vez maior peso do contactless nas carteiras portuguesas, os retalhistas nacionais enfrentam o desafio de adequarem a sua oferta de métodos de pagamento a estes novos hábitos de consumo, mas como?
Como preparar o seu negócio para receber pagamentos contactless?
Como pode perceber pela tendência evidenciada pelos números que apresentamos, a oferta de métodos de pagamento contactless aos seus clientes pode ajudar o seu negócio a crescer.
Porém, para que isso aconteça, é importante que não só aposte num meio de pagamento que lhe permita aceitar pagamentos contactless através de cartão, mas também através de meios digitais, como é o caso do MB Way, Apple Pay ou Google Pay.
Neste aspeto, as soluções de pagamento contactless da REDUNIQ, marca especializada no desenvolvimento de métodos de pagamento inovadoras, acaba por se destacar das demais pela sua ampla e diferenciada oferta de terminais de pagamento automático.
Para negócios com uma faturação mais reduzida e/ou que operem de forma mais sazonal, a REDUNIQ coloca à sua disposição o REDUNIQ Easy, um TPA sem custo de adesão, período de fidelização ou receita mínima que permite ao retalhista aceitar pagamentos contactless e PIN com cartões de crédito e débito (marcas Visa e Mastercard) e MB WAY.
Já se o volume de faturação exige uma solução de pagamentos mais robusta, a REDUNIQ coloca à disposição dos retalhistas portugueses o TPA Android REDUNIQ Smart, um terminal que traz incorporado um conjunto de apps de gestão que vão auxiliar o negócio a ser mais móvel e digital e que lhe permite aceitar pagamentos contactless com cartão, chip, MB Way, Google Pay e Apple Pay.
Tal como os hábitos dos consumidores se vão refinando e alterando, a REDUNIQ imprime um forte cunho inovador aos terminais que desenvolve. Prova disso é o, verdadeiramente revolucionário, REDUNIQ Soft, uma solução de pagamento NFC Android que vem permitir que os negócios recebam por smartphone de forma simples e rápida.
Na prática, o REDUNIQ Soft trata-se de uma app que pode ser instalada no smartphone ou tablet do responsável pelo negócio e que transforma estes equipamentos em verdadeiros terminais contactless que aceitam pagamentos por QR Code, NFC ou Contactless.
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