Lojas de Roupa: Como ter Pagamentos Parcelados

The good old "take now, pay later" method that was used for decades in Portugal is back, revised and improved, to help your clothing shop sell more and better.

It's true, as has been the case on a large scale in Brazil and the USA for several years, it is now possible to provide your customers with yet another solution to help them buy what they need without having to spend the full purchase price straight away.

All this is now possible thanks to instalment solution with UNICREa solution focused on "buy now, pay later" (buy now, pay later), which allows your clothing shop to offer customers another form of payment in the TPA with the payment in instalments.

So let's see how you can start offering your customers instalment payments when they visit your shop.

How do I buy in instalments in Portugal?

As mentioned earlier, the possibility of buying now and paying later in gentle, interest-free instalments is the answer in the Parcela Já solution with UNICRE.

As a result of this partnership, from now on, if your clothing shop has a Android automatic payment terminal – REDUNIQ Smart with contactless technology can request the integration of the App Parcela Já in the TPA's application menu and you're immediately ready to offer your customers the instalments for your purchases quickly and easily.

No additional commissions, just the service charge. The possibility of offering your customers payment instalments for their purchases will give your clothing business a tremendous competitive advantageThis will not only make life easier for your customers, but will also enable you to sell more and with a higher average ticket (average amount spent on each purchase).

How do I pay in instalments for purchases from the REDUNIQ Smart physical POS?

By including App Parcela Já in the menu of apps available on REDUNIQ Smart contactless PINyour clothing shop will allow customers to simply make a payment:

present your national identity card and credit card of which he is the holder;
choose the option to pay for the purchase in between 2 and 6 monthly instalments (first instalment charged at the time).

The icing on the cake is that your clothing shop won't have to wait for the money from the transaction, as UNICRE's inclusion in this partnership means that the risk decision is immediate, integrated at the time of payment and totally digital. In short, you will receive the full amount of the purchase in a totally secure manner.

This way, customers can pay in instalments for purchases on their debit or credit card once your shop has the innovative REDUNIQ Smart TPA which, among other things, allows you to accept contactless payments with card, chip, MB WAY, Google Pay and Apple Pay, and integrate the App Parcela Já in the range of applications offered by this terminal.

Note: The minimum instalment is €20 and the minimum purchase to use Parcela Já with UNICRE is €40.

Buying in instalments by credit or debit card: how does it work?

To see how simple and quick it is to pay for purchases in instalments with the Parcela Já app installed on REDUNIQ Smart, here's what you need to do:

insert the amount to be paid by the customer in the Parcela Já application with UNICRE;
o customer selects the instalment option they want (between 2 and 6 monthly instalments) and select "Enter citizen's card" on the TPA;
the customer swipes their credit or debit card through the POS, enters their mobile phone number and then the code they will receive by SMS.

Once the transaction has been approved, the purchase is complete. Please note that once the transaction has been approved, you must keep the receipt signed by the customer.

As we have already mentioned, even if the customer pays in instalments, his clothing shop will receive the full amount of the transaction.