Sabia que os seus clientes já podem comprar de forma parcelada no TPA?

Did you know that your customers can now make a purchase in instalments at the TPA?

It's true. With the new partnership between UNICRE and Parcela Jáyour customer can pay for purchases by debit or credit card in instalments when they make a payment directly at the terminal REDUNIQ Smart.

Although this type of solution is only now arriving in Portugal, o payment in instalments is already a major trend in global retailThis is especially true in the United States and Brazil, large markets where businesses are under enormous pressure to remain competitive and relevant to customers.

Now, thanks to the partnership agreement between UNICRE and Parcela Já, specialists in "buy now, pay later" (buy now, pay later), customers of businesses connected to the REDUNIQ network now have a payment method that will help them manage their money more rationally.

How do I buy in instalments in Portugal?

The answer to the question "how to pay for purchases in Portugal in instalments" is: UNICRE.

As we mentioned, the new solution from UNICRE (the company that aggregates the REDUNIQ e UNIBANCO), Parcela Já with UNICRE, allows retailers who have the REDUNIQ Smart Android automatic payment terminal with contactless technology integrated, they will now be able to offer their customers the possibility of pay for their purchases in instalments quickly and easily.

This new feature not only gives your business an additional competitive advantage and a guaranteed return, it also makes life easier for your customers, who now have a more effective greater flexibility when paying for your purchases.

How can I make an instalment sale directly at the payment terminal?

In practice, this new advantage for Portuguese businesses allows their clients to pay for their purchases in between two and six interest-free monthly instalments (with a minimum instalment of €20), boosting higher-value sales.

A joining this solution does not represent any cost to the businessThere is only a service charge.

Example of an instalment sale

So that, for example, a customer of your domestic appliance shop can buy a fridge, even if they don't have the full amount to pay for it straight away, all they need is the innovative REDUNIQ Smart TPA which, among other things, allows you to accept contactless payments with card, chip, MB WAY, Google Pay and Apple Pay and comes with a set of built-in management apps that help your business and be completely mobile and digital.

By including instalment app now with UNICRE in the apps available on REDUNIQ Smart, when the customer pays for their new fridge, all they have to do is present it:

  • the portuguese citizen's card
  • debit or credit card you hold
  • mobile phone and choose the option to pay for the purchase between 2 and 6 monthly instalments (first instalment charged at the time).

Can your customers pay in instalments with a prepaid credit card?

No. The Parcela Já solution with UNICRE only allows customers to pay with a debit or credit card.

What steps are required to make a sale via the Parcela Já app?

To summarise, these are the steps you need to take to make a sale through the App Parcela Já:

  1. Step: enter the amount to be paid by the customer in the Parcela Já application with UNICRE;
  2. Step: the customer selects the instalment option they want (between 2 and 6 monthly instalments);
  3. Step: the customer selects "Insert ID card" on the POS;
  4. Step: the customer swipes their credit or debit card through the magnetic stripe reader, enters their mobile phone number and then the code they will receive by SMS.

Once the transaction has been approved (you must keep the receipt issued), the purchase is complete.

Even though the customer pays in instalments, your business will receive the full purchase price as soon as the transaction is finalisedAs a result of the inclusion of UNICRE in this partnership, the risk decision is immediate, integrated at the time of payment and totally digital.

In a simple and, above all, secure way, you will receive daily payment of the value of approved operations within 48 hours, minus commissions.

In order to keep abreast of all transactions, UNICRE gives you the possibility to consult all Parcela Já operations with UNICRE at REDUNIQ Customer Area.

Advantages of payment in instalments for your business

With the inclusion of App Parcela Já in your REDUNIQ Smart TPAThe advantages for your business are numerous, including:

  • Boosts higher-value sales;
  • The hiring process is simple, directly installed on the TPA;
  • No interest for the customer;
  • No default costs or charges.