{"id":19048,"date":"2013-03-07T00:00:00","date_gmt":"2013-03-06T23:00:00","guid":{"rendered":"https:\/\/trilogi.com\/blog\/quins-sistemes-de-pagament-hauria-de-fer-servir-a-la-meva-botiga-online\/"},"modified":"2013-03-07T00:00:00","modified_gmt":"2013-03-06T23:00:00","slug":"quins-sistemes-de-pagament-hauria-de-fer-servir-a-la-meva-botiga-online","status":"publish","type":"post","link":"https:\/\/trilogi.com\/blog\/ca\/quins-sistemes-de-pagament-hauria-de-fer-servir-a-la-meva-botiga-online\/","title":{"rendered":"Quins sistemes de pagament hauria de fer servir a la meva botiga online?"},"content":{"rendered":"<p>Un dels processos m\u00e9s importants a l\u2019hora de planificar la nostra botiga online \u00e9s l\u2019<strong>elecci\u00f3 dels sistemes de pagament<\/strong>. Una bona elecci\u00f3 pot fer cr\u00e9ixer les nostres conversions de venda; en canvi, la manca d\u2019alternatives podria provocar que els usuaris abandonessin la compra. Aix\u00ed doncs, quin criteri cal seguir?<\/p>\n<p>El sentit com\u00fa ens diu que <strong>com m\u00e9s opcions de pagament oferim als nostres clients, m\u00e9s probabilitat hi haur\u00e0 que completin les compres<\/strong> amb \u00e8xit. Per\u00f2 aquest criteri no sempre \u00e9s v\u00e0lid, ja que hi ha altres factors que poden influir en la nostra decisi\u00f3 final, com ara el tipus de producte que venem, el valor de les operacions que es faran, el perfil del client, les comissions generades, la seguretat de cada sistema, etc.<\/p>\n<p>\u00c9s essencial con\u00e8ixer les opcions que tenim i, alhora, els <strong>pros i contres de cadascun dels m\u00e8todes de pagament que podem implementar a la nostra botiga virtual<\/strong>. Fent una divisi\u00f3 molt simple, els podem classificar en dos grups: pagament offline i pagament online.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" alt=\"quins sistemes de pagament triar per a la meva botiga online\" src=\"https:\/\/trilogi.com\/blog\/assets\/content\/%5Conline_payment.jpg\" style=\"width: 300px; height: 224px;\" \/><\/p>\n<pre>\nFont de la imatge <a href=\"http:\/\/www.sxc.hu\/\">http:\/\/www.sxc.hu\/<\/a><\/pre>\n<p>&nbsp;<\/p>\n<p><strong>Sistemes de pagament offline <\/strong><\/p>\n<p>Els sistemes de pagament offline s\u00f3n els sistemes de pagament \u201ctradicionals\u201d, amb els quals el client pot pagar les compres a posteriori sense introduir les seves dades banc\u00e0ries a internet. Tenen l\u2019avantatge d\u2019oferir una alternativa als clients m\u00e9s reticents a fer servir les dades de la targeta a internet, per\u00f2 en canvi obliguen l\u2019administrador de la botiga a fer m\u00e9s gesti\u00f3 i seguiment per verificar els pagaments. Els sistemes de pagament offline m\u00e9s habituals s\u00f3n:<\/p>\n<ul>\n<li><strong>Transfer\u00e8ncia banc\u00e0ria<\/strong>: la transfer\u00e8ncia banc\u00e0ria \u00e9s un sistema de pagament segur tant per al client com per al venedor. S\u2019indiquen al client les instruccions per fer el pagament i es verifica quan es rep. El principal inconvenient d\u2019aquest sistema \u00e9s que passa un cert temps entre el moment en qu\u00e8 el client fa la transfer\u00e8ncia i el moment en qu\u00e8 la botiga en rep la confirmaci\u00f3, de manera que tamb\u00e9 es retarda l\u2019enviament de la mercaderia.<\/li>\n<li><strong>Pagament contra reemborsament<\/strong>: amb el pagament contra reemborsament el client paga el producte quan el rep. El mateix transportista s\u2019encarrega de gestionar el cobrament. Normalment comporta un rec\u00e0rrec per al client per aquesta gesti\u00f3 addicional. De vegades pot presentar problemes per al venedor, ja que el client pot rebutjar el paquet en rebre\u2019l, cosa que suposa una p\u00e8rdua per a l\u2019administrador de la botiga.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Sistemes de pagament online <\/strong><\/p>\n<p>Els sistemes de pagament online s\u00f3n, sens dubte,<span style=\"font-size: 13px; line-height: 1.6em;\"> els<\/span><span style=\"font-size: 13px; line-height: 1.6em;\"> m\u00e8todes m\u00e9s f\u00e0cils i c\u00f2modes tant per als clients com per als venedors. Un dels avantatges que ofereixen \u00e9s que el pagament \u00e9s instantani, de manera que no cal fer seguiments addicionals. Aix\u00ed, en el moment de rebre la compra ja tenim la confirmaci\u00f3 del pagament i podem comen\u00e7ar a tramitar-la. Tamb\u00e9 \u00e9s important remarcar que s\u00f3n les mateixes passarel\u00b7les de pagament les que s\u2019encarreguen de la <\/span><strong style=\"font-size: 13px; line-height: 1.6em;\">seguretat de la transacci\u00f3<\/strong><span style=\"font-size: 13px; line-height: 1.6em;\">, cosa que genera confian\u00e7a en els usuaris, ja que \u00e9s el banc qui la proporciona. Pel que fa als inconvenients, podr\u00edem destacar que generen retic\u00e8ncies en alguns perfils d\u2019usuari m\u00e9s desconfiats, ja que impliquen fer servir les seves dades a internet. A vegades, els nivells de seguretat elevats fan que els usuaris desisteixin de la compra o tinguin problemes per completar-la. Finalment, cal remarcar que aquests sistemes de pagament comporten comissions per part del prove\u00efdor del servei. Els sistemes de pagament online m\u00e9s habituals s\u00f3n:<\/span><\/p>\n<ul>\n<li><strong>TPV virtual<\/strong> (passarel\u00b7la de pagament del banc): amb el <strong>TPV virtual<\/strong>, en fer el pagament, el client entra directament a la p\u00e0gina de la passarel\u00b7la de pagament. Les dades s\u2019intercanvien directament entre el client i el banc i no passen per la botiga online. Exemples d\u2019aquestes passarel\u00b7les s\u00f3n els sistemes 4B, Sermepa, RedSys, CECA\u2026<\/li>\n<li><strong>PayPal<\/strong>: \u00e9s la passarel\u00b7la de pagaments segurs del grup <strong>eBay<\/strong>. Ofereix molta confian\u00e7a als usuaris, ja que en cap moment no es transmet informaci\u00f3 banc\u00e0ria en la transacci\u00f3. El gran avantatge que t\u00e9 \u00e9s que \u00e9s un sistema de pagament molt est\u00e8s arreu del m\u00f3n. En canvi, les seves comissions solen ser m\u00e9s altes que les d\u2019un <strong>TPV virtual<\/strong>.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Sigui quina sigui la nostra elecci\u00f3, el m\u00e9s important \u00e9s aconseguir la m\u00e0xima <strong>comoditat per a l\u2019usuari<\/strong> i alhora <strong>garantir la seguretat<\/strong> en totes les operacions. Una <strong>bona experi\u00e8ncia de compra<\/strong> \u00e9s essencial per fer cr\u00e9ixer les nostres conversions i, sobretot, perqu\u00e8 el client confi\u00ef en nosaltres i ens recomani.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un dels processos m\u00e9s importants a l\u2019hora de planificar la nostra botiga online \u00e9s l\u2019elecci\u00f3 dels sistemes de pagament. Una bona elecci\u00f3 pot fer cr\u00e9ixer les nostres conversions de venda; en canvi, la manca d\u2019alternatives podria provocar que els usuaris abandonessin la compra. Aix\u00ed doncs, quin criteri cal seguir? El sentit com\u00fa ens diu que [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1739],"tags":[],"class_list":["post-19048","post","type-post","status-publish","format-standard","hentry","category-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quins sistemes de pagament hauria de fer servir a la meva botiga online? | Blog Trilogi \u2013 The Digital Agency<\/title>\n<meta name=\"description\" content=\"Un dels processos m\u00e9s importants a l\u2019hora de planificar la nostra botiga online \u00e9s l\u2019 elecci\u00f3 dels sistemes de pagament . 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