One of the aspects that arise, both those responsible and users of online stores or businesses, are the means of payment and financial products that they can contract through their credit institution. Because they are many and diverse in nature, as will be seen below.
Where a very important aspect must be taken into account for this class of digital companies. And it is the one that derives from the fact part of the success of an e-commerce It is due to the ease that the customer has to make the payment, the simpler it is, the more we will favor impulse buying. To the point that this is one of the keys to good development in electronic commerce.
On the other hand, it must also be appreciated at this time that there are some methods that are usually used by users who do not trust to enter their credit card details on the website. From this point of view, there will be no choice but to provide customers or users with payment systems that generate security and confidence in their operations. Their nature does not matter, nor even their innovation in the structure they offer from their digital platforms.
Bank transfers
Bank transfer is a way of moving money from one account to another. It is the way to transfer funds between bank accounts without physically removing the money. When placing an order in an online store by bank transfer, the customer is sent an order code that must be included in the transfer order.
Where, once the merchant detects the entry into its bank account and verifies that it matches a current order, it marks the order as paid and proceeds to send the merchandise. Not offering major problems for use in user relations with online stores or businesses. Where one of its most relevant advantages is that it does not entail commissions for the issuer of this mandate to the bank or financial institution.
Payment method: Pay Pal
It is a means of subscription that has become fashionable in recent years with great predilection among many users or clients in this class of services. From this point of view, it should be mentioned that PayPal is an American company owned by eBay, and it has become a means of payment very widespread. In each country Pay Pal qualifies its behavior, but in general it offers these modalities.
Work with money previously deposited in the PayPal account. Work as a bank payment gateway, requesting credit card details. It is an option that can be very useful in online businesses, in this case represented by stores or digital businesses. To the point of collecting a good part of the demands of the users of these digital platforms. With significant savings in commissions and other expenses in its management or maintenance.
Cash on delivery
Another alternative that is available in this very special class of businesses is the one represented by this banking product. And that it is very especially indicated for this kind of activities, whatever the nature of them. Because in effect, the payment is made once the merchandise has been received. It is necessary that the merchandise is checked before making the payment. By selecting this means of payment, the online store generates an order code sent to the customer by email along with a summary of their order. It will be more than enough to address these needs.
Do not forget that usually, sending merchandise against reimbursement involves an additional cost that is invoiced by the transport company. It is the decision of electronic commerce to assume this cost or to charge it to the end customer. With the additional advantage, in certain cases, that if the customer does not pay for the merchandise, it is not delivered. Being a factor that can benefit the actions of those responsible for these companies that move through the Internet.
sagepay
Moreover, this is a payment gateway with anti-fraud control owned by the Sage group. Unlike other payment gateways, this one only bills a fixed monthly fee of around 30 euros and allows up to a thousand transactions. For a higher sales volume the quota would increase. To optimize the operation, it is very important that from now on it is calculated from the billing data of your business how the amount of the fee is distributed among all the monthly transactions to evaluate if it is cheaper than the alternatives previously proposed.
In any case, it is a more innovative and avant-garde means of payment that can be a foothold for small and medium-sized owners of online stores or businesses. So that in this way, they are in a position to develop their strategies in the accounting sector and that can be very beneficial for their professional interests. Above other more conventional or traditional approaches that you may be using at this precise moment.
Special credit cards
They are a very useful banking product for the needs of professionals who are integrated into an electronic commerce. Its structure is based on the fact that they carry acregistration fee and free maintenance. To use it en abroad: with two withdrawals per month without commission at ATMs outside of Spain. On the other hand, it provides among its most relevant benefits an online purchase insurance and Protected Purchase through the insurance company. With this credit card you will have a 2% discount at the service stations of some commercial brands and with no limit on the amount, both in fuel and in the store.
On the other hand, and apart from the discounts for consumption, it has other advantages provided by this kind of cards are the discounts that can be obtained, between 3% and 5%, in travel agencies, hotel chains, restaurants or products very common concrete for the holiday months.
There is a great variety of cards -in their credit modality- that choose to offer promotions for which their holders participate in monthly raffles during the summer months, where the amount of the prize will be equal to the amount of credit consumed by the client.
Accounts for SMEs online
In this case, it is a financial solution for small and medium businessmen, entrepreneurs, professionals and merchants that offers benefits to manage their business such as direct debit, social security, taxes and payroll of their employees; although without neglecting other more general such as national transfers and check deposit free, sservice of legal assistance and debit and credit cards also without any financial outlay, among other contributions.
En este sentido, eAt the time of contracting, it is advisable that all the accounts generated by the banking market be analyzed to check the costs for movements, issues, income and transfers, with the function of selecting the one that best suits the needs of its users, and use all the benefits that the account incorporates to professionals.
One of the characteristics of these banking products is that they offer a higher remuneration to their holders, in a range that ranges between 1,00% and 1,50%, allowing an increase of no more than 0,75% over the formats traditional, to which is added that they are mostly free of administration and maintenance fees.
Products for the creation of a digital commerce
In the current offer of accounts aimed at entrepreneurs, small businessmen and professionals, there is also no lack of those that are specifically aimed at the creation of a company, offering another type of professional contributions to their holders. This is the case of a good part of the credit institutions that have opted to offer their clients the “New Company Savings Account”, a savings product for the future contribution of social capital for the constitution of a limited company in the new company , and to do so with all the tax advantages of the current regulations, and with better profitability conditions compared to other products with similar characteristics.
In this case, the interest rates that apply are 0,50% for balances of up to 50.000 euros, and raises them to 0,75% for higher amounts. It does not contemplate minimum income commitments, nor periodic ones and with important tax benefits, since all the amounts entered during each year will have a deduction of 15% in the income statement of the following (with a maximum of 9.000 euros).
While, on the contrary, the account does not allow direct debits, allowing the availability of the funds at any time to be used for the subscription of shares of the new company, which will have to be done within a maximum period of 4 years from the date of opening of the account, with the inscription in the mercantile registry of the same. Otherwise, both in the purpose of the provisions, and in the maximum term, all tax credits will be lost.