The word challenge is perhaps the one that best defines the situation in which many companies find themselves.
Looking for financing solutions that cover their operating costs and the need to give them a more mobile and digital flavour, in line with their customers' new consumption habits, are some of these challenges and require the right responses in 2021.
In this context, the UNIBANCO and the REDUNIQ, the group's brands UNICRE, present a guide to financial and payment solutions for companies and businesses, with the aim of connecting people, companies and technology and providing unique payment experiences.
Financial Solutions for Companies
We are living through a period of financial hardship and companies are no exception. However, there are financial solutions for companies which not only allow businesses to free up budgets to manage their day-to-day activities, but also serve as a lever for modernising processes and equipment.
The credit cards for companies represent the vanguard in this field in the year that has just begun.
Although it has similar functions to a credit/debit card for individuals, a credit card for companies has specific characteristics that allow it to meet the needs of organisations in areas as diverse as fuel payments, bonuses, advances, equipment purchases or corporate travel.
See the Unibanco business solutionsThis is particularly true of their Business cards.
In addition to the aforementioned potential, this type of online business credit card - with 100% digital membership, offers companies a series of extremely important financial features and multiple advantages.
Credit cards for companies - benefits:
- They save time and reduce administrative costs (centralisation of accounts and better financial planning) by making reconciliation processes simpler;
- They help to separate personal and professional expenses (expense characterisation), giving you not only real-time control of your company's and your employees' expenses, but also an overview of the total number of cards your employees have and their usage limit;
- They give access to the Unibanco App and Business Management Portal where, among other options, companies can control the number and limits of use of each card, control the consolidated expenses of the company and each employee, detect (in real time) irregular situations, consult the sectors of activity and suppliers most used and request changes to the usage limit;
- They centralise the management of payments to the state, services and telecommunications, software licences and advertising investment, whether online or in person;
- They make it possible to integrate all expenses, movements or transactional information with management software (SAP, PHC, Primavera, among others);
- They allow withdrawals all over the world and the Via Verde payment association;
- They offer free MB Way transfers.
If the company wants to extend the payment period, it's as simple as that.
Here's an example: you can make a purchase on the 10th of the month and only pay on the 29th of the following month. This will allow you to enjoy an additional 20 to 50 days of interest-free credit.
You can also choose to pay only a percentage of the amount you spend each month.
Accepting and receiving payments: from online payments to contactless
If Business Unibanco credit cards promise to give companies a budget break, there are other aspects that businesses should take into account in 2021.
Firstly, the constraints arising from the pandemic's mitigation measures have led many businesses and consumers to migrate to digital, resulting in an unprecedented growth in online transactions.
Over the last year, the number of contactless payments have become an increasingly important part of the total turnover of Portuguese businesses that, intermittently or not, keep their doors open.
These two dimensions, based on a new consumer profile that guarantees (according to European Commission data) that they are satisfied with the online offer and that they favour online means of communication. cashless payment help to form a culture that ultimately demands more mobile and digital businesses that simultaneously provide Internet payment methods that ensure the security of transactions.
If you don't know where to start, REDUNIQ will help you with a differentiated offer of payment methods that suit not only the specifics of your digital business, but also the needs of the consumer.
E-commerce: payment methods in 2021
REDUNIQ@Payments - Accept and receive online card payments
The first of these solutions is REDUNIQ@Payments.
This solution, developed by REDUNIQ, allows remote payments by e-mail, SMS or WhatsApp, with Visa and Mastercard cards, without the need for a website or integration with the merchant's online shop.
In a simple and secure way, @Payments provides a platform, optimised for smartphones and tablets, where the merchant creates a link that can be sent by email, SMS or WhatsApp.
When they receive the link, all they have to do is click on it and they will be redirected to a secure REDUNIQ page, thus ensuring that the merchant does not have access to their card details at any stage of the payment.
The ideal solution for those who want receive payments online and sell via social networks.
Payment for Services - Accept payments by Multibanco reference
When we talk about accepting online payments, we have to take a look at the preferred way for most Portuguese to pay for their purchases online: the payments by Multibanco reference.
REDUNIQ was born out of the need to accommodate this type of payment. Payment for Services, a solution that allows an online shop to accept payments by Multibanco and MB Way reference and which can be integrated into the website - simple integration if the merchant has the REDUNIQ E-Commerce solution.
E-Commerce Payments - Solutions tailored to your business
Aimed at medium and large companies, the REDUNIQ E-Commerce solution allows you to sell online, directly from your website, through e-commerce solutions adapted to the needs of your business.
This module will be integrated with the online shop's shopping basket and accepts online payments by card (MB, Visa and Mastercard), MB Way and by MB reference.
Accepting online payments by credit card is essential, since most e-commerce platforms, particularly marketplaces, only accept this type of payment.
More mobile and digital businesses
The pandemic is not justification for everything, but it still ended up playing the role of catalyst in the development and democratisation of means of payment that had slow but secure penetration rates.
O contactless is one of them. More than 30% of the total turnover of Portuguese businesses already comes from this means of payment - data REDUNIQ Insightsand promises not to stop there.
With the advent of mobile technologies that allow consumers to order, buy and pay via a simple smartphone, the distance between shop and customer has shrunk.
Nowadays, with a simple click on any application, the shop comes to you, which necessarily means redefining the means of management and payment for the most diverse businesses in the economic ecosystem.
REDUNIQ Smart - All your business in one terminal
These dimensions now come together in the new REDUNIQ Smart, an Android payment terminal which, in addition to accepting contactless payments by card, chip and MB Way, comes with a set of built-in management apps that help businesses and allow them to be fully mobile and digital, such as certified apps ZS Mobile e omeutaxi.
By functioning as Contactless TPA and management centre connected to the digital world, this new Android POS solution from REDUNIQ offers businesses extra flexibility in managing their resources, since, for example, with the ZS Mobile app, traders can register orders on the terminal, invoice (AT certification) or draw up quotes and orders even without an Internet connection.
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