Qual o número mínimo e máximo de prestações com a Parcela Já com UNICRE?

O número mínimo são duas prestações e o máximo seis.

Qual o valor mínimo e máximo para realizar uma compra com a Parcela Já com UNICRE?

O valor mínimo é 40€, uma vez que o valor mínimo de cada prestação é de 20€, e o máximo é condicionado pela exposição do Cliente a este produto, no máximo, a 1.500€ em dívida no momento.

O pagamento com a Parcela Já com UNICRE é automático?

Sim, o pagamento com a Parcela Já com UNICRE é automático no momento da compra. No entanto, está sujeito à aprovação de crédito.

O cliente tem de assinar alguma documentação?

Numa compra presencial, o cliente deve assinar o talão de compra, que serve como contrato. Já nas compras online, não é necessária assinatura, pois a validação é feita de forma segura através do 3D Secure.

Os pagamentos parcelados têm juros para o cliente?

Não. O cliente apenas paga as prestações nas datas indicadas, sem juros ou custos adicionais. No entanto, caso o cliente não pague três prestações consecutivas, no momento de lançamento a débito no cartão, por insuficiência de saldo ou outro motivo, serão cobrados juros de mora e as restantes prestações em dívida.

Os pagamentos parcelados têm custos para o comerciante?

Em cada operação parcelada é aplicada apenas uma comissão de factoring, definida no momento da adesão ao serviço. Em contrapartida, o valor total da venda é liquidado de forma imediata, garantindo maior previsibilidade e controlo financeiro.

O que acontece se um cliente não pagar as prestações?

O seu negócio recebe sempre o valor total da venda no momento da compra, independentemente de o cliente pagar ou não as prestações seguintes. O risco da cobrança das parcelas é totalmente assumido pela UNICRE, garantindo que o seu negócio não sofre qualquer impacto financeiro.

Que tipos de cartões são aceites na Parcela Já com UNICRE?

As compras com a Parcela Já com UNICRE podem ser realizadas com cartões de crédito e débito nacionais da Visa e MasterCard.

E se o cliente quiser devolver a compra, como funciona o reembolso?

Caso seja necessário efetuar um reembolso, o valor das prestações já pagas é devolvido ao cliente de acordo com as condições estabelecidas. Para solicitar a devolução da compra entre em contacto connosco aravés do número 21 313 29 00 ou do e-mail reduniq.comercial@unicre.pt.

Como posso aderir à Parcela Já com UNICRE?

Aderir é simples! Preencha o formulário e a nossa equipa entra em contacto consigo. Se precisar de mais informações, pode também falar com a nossa linha de apoio ao cliente.

The customer pays in instalments. Your business sells big.

Increase your sales with instalment payments. Accepted?

+2,500 points of sale

+3,000 monthly transactions

3.5x the average purchase price

Take your business further with Parcela Já with UNICRE

Increase your sales with the instalment payment solution and offer their customers the possibility of paying for their shopping between 2 and 6 monthly instalments.

Win new customers and retain existing ones increasing the average sales value.

Increase purchase frequency in your shop.

Offer a simple and cost-free contracting of default for you.

Accept between 2 to 6 instalments monthly and interest-free for the customer.

Adapt to your type of business physical, online or remote.

Count on 24/7 support and specialised support from the REDUNIQ team.

Flexibility for any type of business

Offer instalment payments to your customers, regardless of how you sell. Parcela Já with UNICRE adapts to your business, whether online, in a physical shop or remotely, guaranteeing a simple and convenient payment experience.

Smart terminal to integrate and manage

Accept more than payments on your terminal with the solution Instalment plan with UNICRE integrated directly into the Smart terminal, then all your customers have to do is follow the steps:

Choose between 2 and 6 months and view the instalment

Enter your national identity card, followed by your credit or debit card

Authorise the purchase by entering the code received via SMS

Tailor-made e-commerce

Offer your customers more flexibility. Integrate the solution Instalment plan with UNICRE in your online shop and allow your customers to pay in instalments by following these steps:

Choose Installments Now with UNICRE as the payment method, select the desired term (from 2 to 6 months) and view the instalment.

Validate identity with ID card and photograph

Insert the credit or debit card and authorise the purchase by entering the code received via SMS

Accept payments in instalments by link

Send a payment link by email, SMS or WhatsApp and offer your customers the possibility of paying in instalments with the Instalment plan with UNICRE. Simple, secure and no integration required. All your customer has to do is follow these steps:

Click on the link you received via email, SMS or WhatsApp

Choose Installments Now with UNICRE as the payment method and select the desired term (from 2 to 6 months) and view the instalment.

Validate identity with ID card and photograph

Insert the credit or debit card and authorise the purchase by entering the code received via SMS

The place where you run your business

Access your Client Area and ensure total control of payments in a simple and intuitive way, tailored to the needs of your business.

Access from anywhere and monitor all payments via the website or app, with visibility over all transactions.

Decide with the certainty of numbers, access financial documents to find all the answers.

Count on specialised support 24/7 and with the close and direct support of REDUNIQ whenever you need it.

A network of unique clients

"Parcela Já with UNICRE has had a direct impact on the growth of our business, improving customer satisfaction and making our services more accessible"

HD Clinic

"A he biggest advantage of joining Parcela Já with UNICRE is the possibility of giving our customers more freedom and flexibility in the way they manage their payments".

Commercial Company C Santos

Do you have any questions? We'll answer them

What is the minimum and maximum number of instalments with Parcela Já with UNICRE?

The number The minimum is two instalments and the maximum is six.

What is the minimum and maximum amount to make a purchase with Parcela Já with UNICRE?

The minimum amount is 40€, since the minimum amount of each instalment is 20€, and the maximum is conditioned by the Client's exposure to this product, up to a maximum of €1,500 in debt at the time.

Is payment with Parcela Já with UNICRE automatic?

Yes, payment with Parcela Já with UNICRE is automatic at the time of purchase. However, it is subject to credit approval.

Does the customer have to sign any documentation?

In a face-to-face purchase, the customer must sign the purchase slipwhich serves as a contract. Now no signature is required for online purchases, because validation is done securely through 3D Secure.

Do instalment payments incur interest for the customer?

No. The customer just pay the instalments on the dates indicated, without interest or additional costs. However, if the customer fails to pay three consecutive instalments when the card is debited, due to insufficient balance or for any other reason, interest will be charged for late payment and the remaining outstanding instalments.

Do instalment payments cost the merchant anything?

Each instalment operation is applied just a factoring commissionThis is defined when you sign up to the service. On the other hand, the total amount of the sale is settled immediately, ensuring greater predictability and financial control.

What happens if a customer doesn't pay the instalments?

Your business always receives the full amount of the sale at the time of purchase, regardless of whether or not the customer pays the next instalments. The risk of collecting the instalments is borne entirely by UNICREThis ensures that your business does not suffer any financial impact.

What types of cards are accepted at Parcela Já com UNICRE?

Purchases with Parcela Já com UNICRE can be made with UNICRE cards. domestic credit and debit from Visa and MasterCard.

And if the customer wants to return the purchase, how does the refund work?

If a refund is necessary, the amount of the instalments already paid will be returned to the customer in accordance with the established conditions. To request the return of your purchase, please contact us at the following number 21 313 29 00 or e-mail reduniq.comercial@unicre.pt.

How can I sign up for instalments with UNICRE?

Joining is simple! Fill in the form and our team will get back to you. If you need more information, you can also contact our helpline at customer support.

Parcela Já com UNICRE é uma solução de Factoring e está sujeita às comissões aplicáveis ao comerciante de acordo com o contrato celebrado com a Unicre. Válida para pagamentos com cartões Visa ou Mastercard. Não são aceites cartões pré-pagos.” “A REDUNIQ é uma marca detida pela Unicre – Instituição Financeira de Crédito, S.A., registada no Banco de Portugal com o número 698.