According to Banco de Portugal's "Payment Systems Report 2023", online purchases grew by 15.7% in transactions and 18% in value with the online payments through credit/debit cards accounted for 90% of all transactions.
This data not only confirms the already perceptible change in the consumption habits of the Portuguese who, even after the pandemic, continue to invest in online shopping, but also the need for businesses with a digital presence to equip their structures with online payment methods tailored to the needs of their customers.
How to implement online payment methods in your online business?
The implementation of payment methods in line with the habits and needs of Portuguese consumers will always have to comply with the form how to sell onlineIf you're selling through your own website, you'll need a completely different solution than if you're selling through social media without a website.
Let's start with businesses that sell online via their own website:
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Online business with your own website
To find the best payment method for an online business with its own website, it's important that the payment gateway integration is not only as simple as possible, but also that the payment method is compatible with the most common e-commerce plugins on the market.
Among the various online payment methods available to you, the solution REDUNIQ@E-Commerce that's why it stands out: a simple integration that always has the technical support of REDUNIQ's team of experts and is fully compatible with the main e-commerce plugins.
In addition to integration, REDUNIQ@E-Commerce offers online businesses the payment method favoured by the vast majority of e-shoppers: Visa and Mastercard debit and credit cards.
This solution is very simple to use and helps to reduce the number of carts abandoned at checkout.
So, in practice, once the customer has placed their products in the shopping basket and proceeded to payment, REDUNIQ@E-Commerce will redirect them to a UNICRE payment page where they will have to enter their card details so that the transaction can be validated by the issuing bank.
Once the payment has been validated, the money goes into the business's bank account within two working days.
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Online businesses that sell without a website
Because they use third-party platforms to sell online, businesses that operate without a website don't need to integrate a payment gateway, but they still have to receive payments from their customers.
To this end, REDUNIQ has developed the REDUNIQ@Payments turnkey solution which, in practice, allows someone selling clothes on Instagram, for example, to accept online payments by e-mail, SMS, WhatsApp, Multibanco reference, MB WAY or Visa and Mastercard.
Because simplicity is all these businesses need when it comes to payment, REDUNIQ@Payments provides a platform, optimised for smartphones and tablets, where the business can create a payment link which it then sends by email, SMS or WhatsApp to the customer.
When the customer receives the link, all they have to do is click on it and they will be redirected to a secure REDUNIQ payment page.
How do you guarantee your safety?
As with payment solutions Parcela Já com UNICRE (Parcela Já app integrated in the REDUNIQ Smart TPA), DCC- Currency Conversion or in the REDUNIQ Smart, Easy and Soft contactless TPAs, online payments via REDUNIQ@E-Commerce and REDUNIQ@Payments are protected by the EMV 3-D Secure (or EMV 3DS) security protocol, which guarantees the inviolability of customers' bank details.
What's more, as they are online paymentsAs a result, every time a customer makes a transaction with one of these solutions they will have to carry out double authentication (European directive PSD2), which further strengthens this aspect of protecting consumers' personal data and guarantees secure payments on the Internet.
Not by chance, REDUNIQ is the only Portuguese acquirer with the PCI-DSS certificateVisa Inc., MasterCard, Discover Financial Services, JCB International and American Express are among the world's biggest players in terms of payments. This is an international security standard that guarantees that a payment company follows the security standards and good practices listed by a supervisory body that brings together Visa Inc., MasterCard, Discover Financial Services, JCB International and American Express.
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