Instalment payments are transforming the market, offering more flexibility for consumers and more sales for businesses, as the infographic in this article shows. With Parcela Já with UNICRE, the customer pays in interest-free instalments and the business receives the full amount. This solution integrated into REDUNIQ terminals guarantees greater sales volume, more customers and less risk.

There is increasing competition between businesses to win over consumers, which ultimately results in innovative products being offered, loyalty programmes packed with discounts and increasingly flexible payment solutions and geared towards a more agile and satisfying shopping experience.

One of the solutions that has been the talk of the town recently is, without a doubt, payments in instalments through the Instalment plan with UNICREa feature that allows you to consumers buy first and pay later, without any associated interest.

According to a study by Chargeflow, o global market for instalment payments (Buy Now, Pay Later - BNPL) is growing by 13.7% per year and could reach an estimated 560 billion euros by the end of 2025.

This is also reflected in the number of consumers adopting this type of payment, with estimates pointing to that by In 2027, this number will exceed 900 million users globally, an increase of 157% compared to the 360 million registered in 2022..

Portugal is not left out of this global trend and the figures from REDUNIQ Insights regarding the Parcela Já solution with UNICRE in face-to-face payments at REDUNIQ terminals prove it: More than 2,500 points of sale have already signed up, more than 3,000 monthly transactions have taken place and growth of 25% per year is estimated.

By making the purchasing process more flexible, the instalment payments in the end, consumers aren't limited to the money they bring with them and, as a result, businesses get more sales and more customers. All with less risk, as you can see in the following infographic.

Why are instalment payments redefining the market?

The search for a more flexible shopping experience that fits in with your day-to-day life has led to more and more consumers and businesses opting for this payment method in instalmentsThis allows you to sell in instalments without interest, but with an immediate return for the business.

Selling in instalments is thus becoming an indispensable tool for businesses wishing to offer a differentiated service which, upstream, guarantees a increase in average ticket and customer loyalty rate.

That's exactly what the Instalment plan with UNICRE offers Portuguese businesses.

What is Parcela Já with UNICRE and how does it work with REDUNIQ?

The result of a partnership between Parcela Já, a specialist in instalment payments, and UNICRE, the Parcela Já with UNICRE solution is now included in the TPA Android Smart REDUNIQ's factoring service also provides an immediate and integrated risk analysis at the time of payment, which is essential so that the customer pays without interest and the business receives the full value of the sale. All you have to pay is the factoring commission.

With UNICRE taking on the risk, the entire instalment process is simple and quick, allowing you to pay for your purchases in between 2 and 6 interest-free instalments.

Without any administrative complexity and with direct integration into the TPA, the instalment payment process starts with:

1. The introduction of the purchase price into the terminal by the business;
2. The customer then chooses how many instalments they want to pay for their purchases in by entering their Citizen Card number at the POS and paying the first instalment (a minimum of 20 euros) using their credit/debit card or the payment applications installed at the POS. smartphone;
3. Afterwards, the customer must enter their mobile phone number into the terminal, followed by a code that they will receive by SMS to complete the operation.

As we emphasised above, the the customer pays in interest-free instalments and the business receives the full amount of the sale immediately.

Advantages of Parcela Já with UNICRE: more sales, more customers, less risk

The advantages of adopting the Parcela Já solution with UNICRE for your business are many and varied:

• More sales: the flexibility of payments generates greater volume, increasing the average ticket by up to 3.5 times and a conversion rate in higher-value sales;
• More customers: increases the loyalty rate with an offer adapted to the needs of today's consumer;
• Lower risk: the business receives the full amount at the time of sale and UNICRE manages the credit.

In addition to these benefits, this solution works in any business model (physical, online or remote), offers simple management, monitoring in the REDUNIQ Customer Area, 24/7 technical and commercial support, greater differentiation from the competition and enhanced security through the PCI-DSS certification.

4 sectors where payments in instalments make a difference

A the trend to offer payments in instalments is global and adaptable to businesses of different sizes. Here are four sectors where "buy now, pay later" makes a difference:

Vets

O Payment instalments with UNICRE for veterinary clinics helps clients manage unexpected expenses for their pets, preserving accessibility to all healthcare without the clinic having to wait for instalments to be paid.

Workshops

The instalment payments for car workshops allow you to carry out car repairs without having to postpone essential maintenance services.

Optical

The purchase of glasses and lenses of a higher value is made easier through the Flexibility of payment for optical services.

Dentists

The instalment payments for dental clinics make dental treatments more affordable and increase the acceptance rate of quotes.

It's important to remember that although customers pay in instalments, businesses receive the full amount at the time of sale.

How to sell in instalments simply with REDUNIQ

If you're wondering how to sell in instalments, the answer lies not only in the simplicity of the Instalment plan with UNICREIt also extends to joining and integrating this interest-free instalment payment solution.

After entering the instalment payments simply click on the "Join" button and fill in a form with your personal details and those of your company.

Once the service has been contracted, the Parcela Já with UNICRE is directly and immediately integrated into your Smart TPA via an App, without any other requirements.

Remember that although it's a simple and quick process, you can always count on REDUNIQ's commercial and technical support 24/7.

Innovation at the service of local businesses

The instalment payments are already an indispensable part of a modern shopping experience which is characterised by placing the customer at the centre of the entire buying and selling process and make more active businesses in the way they ensure greater satisfaction at all stages of the sales funnel.

This is not only a vision of the future, but also a realisation that REDUNIQ is a reliable partner for the growth of Portuguese business in a century marked by fierce global competition.

With the Instalment plan with UNICREREDUNIQ helps all business sectors (from vets to opticians) to sell more and with greater security.