What are the best payment methods for online stores?

The choice of payment methods for online stores is an important step in launching any business.

This is because this decision should not be made solely with customer convenience in mind, as it directly affects the company's finances and credibility.

For this reason, in today's article, we'll explore the best payment methods for online stores. We've also provided some tips for accepting payments without any hassle.

So, to resolve this step in creating your company, keep reading!

The importance of carefully choosing payment methods for your online store 

You've probably already entered a store that doesn't accept credit card payments, and you've probably wondered why they refused.

The same goes for Pix payments, as several companies have abandoned this method because they consider it insecure.

In general, declines for certain payment methods occur for two main reasons: fees and security.

In the case of the credit card example, depending on the card machine company, fees can take a significant portion of the sale's profit.

Unfortunately, when it comes to payments via Pix, scams involving fake receipts or even difficulties when transferring funds are not uncommon.

And if these examples already cause headaches in in-person sales, where it's possible to resolve issues practically instantly, imagine how difficult it is for online stores.

In this case, any type of resolution can become more bureaucratic and time-consuming, so the best thing to do is always act with caution.

Therefore, choosing the best payment methods for your online store certainly helps reduce security-related issues, in addition to providing greater convenience for customers.

Therefore, this should be a fundamental step in the pre-launch of your store, because there's no point in having an excellent website, good logistics, and having problems with payments, right?

This may interest you: How to make sales without inventory? The current trend!.

What are the best payment methods for online stores?

By now you understand that leaving deciding on payment methods for your online store until the last minute can be a huge mistake.

That's because there's no point investing in a super launch if everything goes downhill with a negative experience when the customer completes the purchase.

Therefore, below we have listed 5 payment methods that are ideal for those who have an online store.

Remember, we'll present the pros and cons of each proposal, as well as how to use them safely. Check it out!

credit card 

Although many people see credit cards as a threat due to their fees, for online stores they are the best payment option.

This is because, with a credit card, it is possible to accept online payments more quickly and conveniently, as the purchase is usually approved in just a few minutes.

Additionally, payment platforms often accept credit cards, so this option is worth considering, especially for those looking for convenience.

In the case of fees, it's worth checking market proposals to find the machine that charges the lowest fees.

Debit card

Debit cards are not considered advantageous by most retailers, and this is due to the bureaucracy involved in including them among accepted payment methods.

This difficulty occurs because it is much more difficult to dispute debit card purchases, as the amount comes directly from the customer's account.

Furthermore, because it is an account card, debit card data is usually more sensitive, so you need to double your security concerns to accept this method.

But, considering that many customers don't use credit, accepting debit cards will certainly make a difference for your online store.

Pix 

We previously talked about the fact that Pix is seen by many as a terrible alternative to include in payment methods for online stores.

This is generally because tracking instant payments is more difficult, especially when sales volume is high.

However, we must clarify that this applies to in-person sales, where the attendant is responsible for verifying that the payment has been completed.

This is because, for online stores, the system itself identifies whether the pix was actually made, so this difficulty no longer exists.

The biggest advantage of Pix is certainly the speed of the transaction, not to mention the fees, which are usually non-existent.

Therefore, if you invest in an autonomous and effective payment identification system, accepting Pix in your store won't be a problem.

++How to cancel a Pix? Find out now! – Valor Notícias (valornoticias.com).

Bank slip 

Among all the payment methods for online stores, the bank slip ends up being the least attractive proposal, at least at first glance.

This is because it takes 2 to 5 business days for boleto payments to clear, so the purchase confirmation process becomes slower, both for the customer and for the store.

However, having a boleto is essential for those who want to serve all audiences, as many people do not give up the security of this option.

This is because, with the boleto, all company and purchase data are recorded, in addition to having proof of payment for possible disputes.

In general, banks charge a small fee for issuing bills to legal entities, so check this section to find the best offer.

Transaction via partner banks

For those who want to ensure security, convenience, and reduced fees, it's worth having transactions via partner banks among the payment methods for online stores.

This type of transaction usually works as follows: the store has an account with a certain bank, and on its website it offers the customer the option to carry out direct transactions to this account, if they are also a customer of the institution.

This often reduces processing time and fees, as many banks offer benefits to customers with good relationships.

Implementing this option on your website can be more difficult, but if you have professional help, this problem can be resolved.

How to avoid problems with payment methods for online stores?

At this point, you already know the best payment methods for online stores, as we've presented them focusing on their advantages and disadvantages.

But there's one important point left to discuss: how to avoid problems when accepting online payments?

The first tip is always count on a platform specialized in online payments, which will deliver this service to you practically ready, in addition to providing support for possible problems.

Therefore, do thorough market research to find the best possible platform, as this service usually has fees.

Following this same line, another tip is avoid as much as possible the use of informal means to complete payments, like WhatsApp.

As we've seen, it's not uncommon for stores to fall victim to scams because they believe in fake payment receipts received via WhatsApp or Instagram.

Therefore, always keep your payments in a secure environment, preferably on the store's official website.

By following these tips, it will be much easier to avoid any type of security-related issue, both for the company and for customers.

So, now that you know which path to take, do some thorough market research to find safe and advantageous options for your business!

Read also: Safe online shopping: 6 tips to avoid scams when shopping online – Valor Notícias .