Many of us still remember when we would go to the neighbourhood mini-market and, after choosing the products we wanted, we would ask the cashier to write down "in the book" the value of what we had taken, leaving the payment for another time.
The famous fiado is no longer common practice, but in its place is appearing Buy Now, Pay Later, a solution that already has a long tradition among consumers and retailers in the United States and Brazil, but is only now arriving in our country.
What is Buy Now, Pay Later?
As we've already mentioned, Buy Now, Pay Later is a solution that allows you to buy now, pay later. payment instalments in the purchase of goods and services that allows businesses not only to facilitate the way their customers pay for their purchases, but also to create bonds of trust with them and thus obtain higher loyalty rates.
In practice, Buy Now, Pay Later solutions allow a customer to pay for their purchases in monthly instalments, while the business immediately receives the full amount of the purchase from the institution providing the service, with lower fees and no need to "hover over the payment", since the communication is handled by the customer's financial institution.
In other words, by activating Buy Now, Pay Later, the business immediately receives all the money from the bank to which the service is linked and the customer is responsible for paying the instalments (without interest) to that same bank.
As you can see, the process is quite simple and offers advantages both to your business, which always receives the money for the purchase on the spot, and to the customer, who then has the chance to buy what they need without having to provide the full purchase price immediately.
How to apply Buy Now, Pay Later to your business
Applying "buy now, pay later" to your business is now simpler and faster than you might think thanks to the recent partnership between UNICRE and Parcela Já, a company specialising in "buy now, pay later" solutions.
If you want to equip your business with this payment instalment solutionfirst of all, you need to equip your company with the innovative automatic payment terminal REDUNIQ Smart.
Among other things, this TPA allows you to accept cashless paymentsthrough contactlessIt also includes a Visa and Mastercard chip card, MB WAY, Google Pay and Apple Pay, as well as a number of other features. management apps that will help your business become fully mobile and digital.
Advantages of the instalment plan with UNICRE for your business
The main advantages of this solution,
- your customers can pay for their purchases in 2 to 6 interest-free monthly instalments
- your business receives the full purchase price in one go, not in instalments
- increase your business sales and turnover
- simple contracting process, directly on the TPA
- no default costs or charges for your business
In order to take advantage of UNICRE's Buy Now, Pay Later and Instalments nowSimply join this solution with REDUNIQ, using the REDUNIQ Smart.
With the Parcela Já app installed on the REDUNIQ Smart POS, when you need to receive a payment, all you have to do is:
- choose the option to pay for the purchase in between 2 and 6 monthly instalments (first instalment charged at the time) with the minimum instalment being 20€.
- insert the citizen's card in the TPA
- pass the credit or debit card you hold
- enter your mobile phone number
- enter the code you will receive by SMS
Thus, in a simple and secure way, your business will receive daily payment of the full amount of approved operations, less service fees, and you can consult all Parcela Já operations with UNICRE at REDUNIQ Customer Area.
