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Todas aquellas personas que deseen vender a través de Internet necesitarán un buen sistema de pago online. No importa si se trata de un emprendedor online, un bloguero o una persona que ya tiene un negocio en el mundo físico y quiere darle una extensión digital: el medio de pago tendrá la misma importancia en todos estos casos.
Pero, ¿qué se entiende por buen sistema de pago? Debe tratarse de una herramienta que pueda tramitar y gestionar el pago de los clientes de manera fácil, ágil y eficaz. Tan simple como eso. Un pasarela de pago es un medio que permite realizar un pago de forma segura en el entorno online.
Software punto de venta TPV
Uno de esos sistemas de pago es el software punto de venta TPV . Se trata de una conexión directa entre la entidad bancaria y un comercio electrónico, que da a la tienda online la posibilidad de aceptar pagos procedentes del banco. Y aunque el terminal punto de pago se instala de la misma manera en todos los bancos, cada uno de ellos tiene sus propias condiciones y comisiones.
Para implementar este sistema es recomendable tomarse tiempo, ya que se debe buscar aquella entidad bancaria que ofrezca las mejores condiciones y cargos. Ya elegido el banco que más interese, hay que acudir a él personalmente y firmar el contrato. Después de esto, la entidad habilitará el acceso a la plataforma de TPV, y aportará los datos de configuración para ponerlo en marcha.
Los bancos pueden mostrar sus exigencias para contratar un TPV. En algunos casos pueden exigir una cierta antigüedad en el negocio, o un nivel de facturación en el mismo. Comoquiera que sea, son muchas las tiendas online que contratan terminales de punto de venta por una razón muy simple: porque favorecen a los clientes. No hay que perder de vista que las comisiones suelen ser bastante más reducidas que las de otras pasarelas de pago, como PayPal.
Sistemas de pago móviles
Los teléfonos móviles inteligentes van con nosotros allá donde vayamos, siendo hoy en día mucho más que un dispositivo con el que comunicarse con otras personas. Con nuestro smartphone accedemos a Internet y buscamos información de todo tipo. También nos sirve para hacer nuestras copras. Así, resulta fácil de creer que los pagos móviles terminarán por acaparar todo el protagonismo en las transacciones dentro de no demasiado tiempo.
Es por ello que bancos y empresas están desarrollando un arduo trabajo por crear sistemas que dan la posibilidad de pagar directamente con el móvil, en tiendas físicas y también online. Los duelos de los comercios electrónicos deben tener presente que sus clientes también querrán tener la opción de pagar cómodamente con su móvil.
Algunos de los sistemas más populares actualmente para pagar con este dispositivo son Apple Pay, Samsung Pay y Google Wallet. Pero otros como Momo Pocket están consiguiendo un éxito más que considerable también, por ser fácil de usar, gratuito y compatible con Android e iOS.
Bloguera de hueso colorado desde el 2008. Porqué siempre hay algo que decir yes@elblogdeyes.com
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