How To Choose An Optimum Method Of Payment?
The main rule: offer ways and conditions which can interest your clients and thus aren’t unprofitable. Thus all should be as much as possible simple, quickly and well.
Cash
The majority of the buyers prefer to pay off with cash giving money to directly courier at the moment of delivery. For the goods sent by mail, cash on delivery often practises — the most part of Internet shops works meanwhile as system of orders is under the catalog on a site.
Plus: Cash is the most popular and clear method of payment of the goods from Internet shop. It is preferred by 59 % of buyers of Internet shops.
Minus: Before to get to cash desk money passes through hands of the courier so always it is necessary to remember the human factor. Buyers can pay the goods by means of systems WebMoney. Using it you expand potential clients of the Internet shop and simplify process of reception of money.
Plus: Couriers shouldn’t search for delivery and bring a day gain to office. The shop audience has replenished with clients who order products not for themselves but, for example, for aged parents.
Minus: in order to transform virtual money in real it is necessary to pay the small commission (about 3 %) for converting.
Credit cards
It is possible to use services of the companies serving card payments on the Internet (ChronoPay, CyberPlat, Assist). They raise the commission for each transaction at the rate from 0,8 % to 3 %, but you shouldn’t think of processing.
Plus: As well as in a case with ecash it is possible to receive money quickly. Besides, it is necessary to remember that the quantity of the people who are paying off in a network with cards, slowly but surely grows.
Minus: Payments by bank cards are badly developed: about 90 % of plastic cards are emitted within the limits of salary projects and are used to remove only cash in a cash dispense. Besides a lot of time can be spent for negotiations with the companies serving card payments on the Internet,: correspondence, gathering of necessary documents and carrying out of trial transactions occupy from one to two and a half months.
SMS
It is possible to use payment by means of sending on specified number of a sms: money from the account is automatically written off at the subscriber. Payment by means of SMS is convenient for using at trade in the virtual goods.
Plus: Unlike bank cards and ecash any person can be the potential user of the given service.
Minus: It is necessary to prepare yourself and accounts department for possible delays with payment from operators which reaches about one and a half months after the termination of the accounting period, and to the high commissions which can reach to 30 % of the sum written off from the user’s account.
Combination
It is possible to conclude the contract with the companies serving all kinds of payments set forth above.
Plus: it allows Internet shops to accept payments from clients in any electronic currency, by means of sms, by means of bank cards and through terminals of instant payment. Thus Internet shops don’t need to connect payment systems independently.
Minus: High percent for service and converting between currencies.
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