The 4 Best Ways to Pay for Internet Shopping

Buying online is very easy. Just a few clicks, credit card number and anxiety control to receive, in the comfort of home, the products ordered. However, the payment process may vary from one site to another, and in some virtual stores, it may be that the credit card is the least advantageous.

To make everything even more comfortable and supportive for you, we have prepared a guide on the advantages and disadvantages of each method and list the cases in which each one becomes more attractive. It pays to read and, perhaps, save some change at the end. With the end of the year getting closer, any more coins are synonymous with a small and extra gift.

1. Credit Card

Obviously, the credit card is first on our list. The main reason is, without doubt, the agility of payment. In a matter of seconds, your payment is approved by the credit carrier, which makes buying online services, for example, much more dynamic.

But in addition, the credit card has other advantages. Recently, the Lifehacker site has published a table with the main advantages of buying in certain stores with a specific card. In the United Kingdom, for example, the Barclaycard bank customer who buys from the iTunes Store with his Visa card ends up benefiting from points that can later be exchanged for store vouchers.

In the USA, many stores and banks practice this type of promotion, so it’s worth keeping an eye out and knowing the bonuses that you can accumulate when choosing the ideal card for the purchase. Many stores also provide their own Visa and Mastercard cards, which, if used, give entitlement to exclusive discounts or differentiated payment terms. This is the case, for example, of stores like Submarino and Americans.

Of course, such ease offers risks. The consumer should always be aware before informing their data, check if the site is reliable and offers security systems to guarantee the payments. Remember, too, that a website will never ask for your card’s password, so do not report it on the internet.

Also, before proceeding with the purchase on a foreign site, make sure your credit card is enabled for international transactions. Otherwise, you will need to contact the bank or credit card operator.

2. PayPal

Paying purchases through the PayPal system can also provide unique benefits. Perhaps the main one is that you do not expose your credit card (and document) data, for example, too unreliable websites. After all, online shopping requires a lot of care.

Another advantage is the fact that you no longer need to enter the card number for each purchase made on a new website. Simply connect to and pay from your PayPal profile. Less typing, fewer errors. If this is not enough, in case of problems with the purchase, PayPal can help you solve the unforeseen, including returning your money in case of an undelivered request.

As a minus, PayPal usually charges a 3.5% fee on the conversion of a paid purchase into a foreign currency. When you pay for a product on an out-of-country site with your credit card, the purchase conversion will usually be made on the day of the invoice closing, which may yield a higher or lower than expected value by the user, since the exchange rate varies daily.

However, when buying through PayPal, the consumer can choose to close the purchase based on the exchange of the day, with the conversion done by the payment system itself. In this case, a 3.5% fee will be charged on top of the commercial exchange.

Therefore, it is worth checking if the fee charged by your credit card is not lower than that of PayPal. Also, it is good to also analyze how the fluctuation of the dollar rate is in the period of purchase. If you are forecast to be discharged in the next few days, it may be more advantageous to pay 3.5% of Paypal than risking paying a much higher bill at the close of your credit card statement.

Another case in which the affiliate to PayPal can pay the most is in the receipt of payments. If the person wishes to withdraw a payment of up to R $ 249.99, a fee of R $ 3 will be charged. Above this amount, withdrawal is free.

Also remember that PayPal does not replace the credit carrier, that is, for international purchases, it is necessary that your card is enabled for this type of operation.

3. Debit in Checking Account

To avoid having to generate the Bank Ticket and to enter later in your web banking to pay it, some sites and banks offer the option of debit online. This is undoubtedly a good alternative for those who are without a credit card and need agility at the time of payment.

4. Bank Ticket

Calm down, we do not want you to go back to the Stone Age and prefer bank tickets to online transactions, but the fact is that many companies offer rebates of up to 10% to those who make the payment via bank slip.

And of course this is not a charitable action: for those who sell through the internet, the bank bill offers a lower operating cost than that charged by credit card operators, who charge up to 6% of the purchase price.

According to Reuters, another advantage for the merchant is the fact that he receives the customer’s money faster, after all the value of purchases by credit takes up to 30 days to reach the store pocket, while the ticket delivers the amount in only two days.

The downside, of course, lies in the delay in finding the payment, which can take up to five business days. But, if you are not in a hurry, it is worth availing the discount, which will certainly help you to pay part of the freight.

For the Merchant, the Cost also Weighs

f the form of payment can bring advantages and discounts to the consumer, it needs to be even better thought of in the case of the merchant. For those who maintain a virtual store, the point is not only to offer several alternatives to the customer but also to study if the costs of these options can not disrupt the business, making them less profitable.

One of the best options for the vendor is undoubtedly a payment gateway, that is, an e-commerce application maintained by the financial operator and responsible for processing and authorizing online shopping transactions on a website. However, according to Daniel Bento, co-founder, and CCO of maxiPago! before hiring a service, it is necessary to take some points into consideration.

For Bento, choosing the payment gateway is an essential strategic factor for business success. Therefore, it should offer some features, such as the flexibility to maximize your business, concern for data security, support in Portuguese and, above all, be stable enough not to leave customer and vendor in hand: “If your payment solution is off the air, you are not selling, “reinforces the CCO.

Anti-fraud systems should also be part of the contracted solution, such as the existence of a blacklist of suspicious cards. Also, depending on your enterprise, it is important to look at the number of transactions per second that the gateway is capable of delivering.

After all, nothing more frustrating for the customer than going through problems just at the time of payment. Thinking about payments at a strategic level “is the key to maximizing your sales and minimizing your operating costs,” advises Bento.

The Best way To Use YouTube To Do e-Commerce Marketing

The Best way To Use YouTube To Do e-Commerce Marketing

The easiest way to improve a digital strategy is with the help of digital tools, as many of them are focused on improving the structure of web pages, or to optimize social networks . Especially when you do e-commerce because you can project sales in a way.

However, it is known to many that cyberspace has many secrets that can be exploited, especially before making an expenditure on digital advertising through the different channels to which they have access. Even one of these tricks can be applied to YouTube. As a video platform, it can be an unlimited resource to improve and optimize your e-commerce model for free.

According to figures from the page itself, visitors watch almost 5 billion videos a day. This means that within the platform you have a perfect vehicle to promote brand awareness and create loyal followers through videos, one of the most used formats by brands and companies today.

But its popularity can be a double-edged sword. Having billions of visitors can attract many content creators that can make highlighting more complicated. Fortunately, with the right strategy, you can excel above the YouTubers and generate revenue.

After all, YouTube is the third most visited website in the world and you can definitely take advantage of its potential as a sales mechanism. According to eMarketer, 63 percent of marketing specialists say that their main challenge is to generate new leads.

For its part, the Digital Marketing Institute indicates that consumers want to see more video content, at least 43 percent of them. Having a video platform like Youtube is the perfect way to connect and meet those needs.

Aspects to consider

The first thing that must be addressed is the competition and the positioning of the message: it competes with more than 50 million videos. The best thing is that there are more than one billion active users; This means that the public is there, you just have to know which segment to go to.

Staying true to the brand can be the best because it is the way to express naturalness. Your channel is an extension of your website and should have the right look so that your potential customers recognize it immediately, no matter where they find it.

Be consistent and create a cohesive story that creates a cognitive and emotional link between what you offer to the client. your reader Also, do not overlook the importance of publishing on a regular schedule.

Create instructional videos to teach other people how to use your products because they explain (in two minutes or less, ideally) what it means.

Take advantage of product reviews, because reviews of authentic and honest products generate credibility. Remember that the best product reviews focus on solutions, not sales.

Millions of People are Expected to Make Purchases for Easter

69% of Brazilians intend to buy on the date and 91% will do price research. Chocolate bars are already the option of 48% of consumers. Average purchase spend will be $ 135.

A very important commemorative date for most Brazilians, Easter must move trade by the end of the first quarter of the year. An estimate by the Credit Protection Service (SPC Brasil) and the National Confederation of Shopkeepers (CNDL) shows that approximately 103.9 million Brazilians are expected to make purchases for the occasion.

According to the survey, 69% of consumers intend to buy or have already bought gifts and chocolates for Easter 2018 – a percentage higher than the purchase intention reported in 2017 (57%). Only 12% do not want to go shopping this year.

Among consumers who will be shopping at Easter, most (41%) report their intention to spend the same amount last year, while 36% will spend less and 15% say they will spend more. Among these, justifications include the desire to buy more products (57%), the fact that prices are higher (37%) and believe that the products are priced very well and worth taking advantage of (29% ).

Those who spend less justify their decision by saying that they want to save money (48%), that prices have risen too much and that monthly income has not kept pace with the increase (46%) and because they do not want to make debts (31%).

The survey by SPC Brazil shows that about 44% of consumers intend to buy the same amount of products as at Easter 2017, 31% intend to buy more products and 14% buy less. The average expected purchase is five products and the average total cost, R $ 135.03.

For 41%, prices are more expensive. 91% will do price research. Chocolate bars already an option for 48% of consumers

The survey also reveals that 41% of consumers heard have the feeling that prices for Easter products are more expensive this year than in 2017 – a percentage that was 56% in the survey last year.

For 31%, the figures are in the same range and only 9% believe in lower prices. The survey also showed that a majority (91%) of buyers intend to do price research before taking eggs or other products home, with supermarkets (76%), sites (52%), in shopping malls (38%) and street stores (34%).

Six out of ten consumers want to buy chocolate eggs (61%), while 51% prefer bonbons and 48% prefer chocolate bars. Among the latter, the main reasons for preference are because the celebration is more important than the shape of chocolate (50%) and because they find bars and bonbons cheaper (39%).

Among those who want to buy homemade chocolates, the main reasons are to consider that they are more personalized (30%), consider that the quality of chocolate is better (22%) and help people who sell informally (19%).

“The Brazilian consumer has already learned that the price variation of Easter eggs is huge and could be close to 100% in some cities, according to Procon. So going shopping at the first store that appears is a serious mistake.

Ideally, if you plan ahead, use the internet to research and only make decisions once you have seen the prices charged at various establishments. Finally, it is valid to reflect: is it even necessary to buy eggs, or is this just another symbol of consumption? Often chocolate in other formats, such as the bar, for example, comes out much cheaper for the consumer.

But in any case, if the person makes a point, you can get homemade or homemade eggs, which are more important and can also be good gifts. ” – evaluates SPC Brazil’s chief economist, Marcela Kawauti.

As in the past year, the children will be the main recipients (59%), followed by the spouse (42%), the mothers (37%) and themselves (35%).

The majority must pay in cash. 50% intend to go shopping the week before Easter

Cash payment will be the most used form of payment this Easter, whether in cash (63%) or in debt (38%). Another 25% will pay in the credit card in a single installment, while 22% will prefer the credit card installment. Among those who will opt for installment, the average will be 3.5 installments.

At the moment of going shopping, the factors that weigh on the Brazilian’s choice are not different from those used in most consumer situations. Basically, when choosing the place of purchase, people are looking for the price (53%), product quality (52%), promotions and discounts (45%) and product diversity (36%). Among the main shopping, places are supermarkets (73%), directly with people who make eggs and chocolates at home (25%) and in shopping malls (25%).

Although they already know where to shop, most people do not seem to be willing to take action in advance: 50% intend to shop the week before Easter and 31% will have done so by the third week of March. Considering the place of celebration, one observes its family character and 54% intend to spend Easter at home, 13% in the house of relatives and 13% in the parents’ house.

The survey also indicates that eight out of ten consumers intend to buy fish for the occasion (80%).

30% should attend “secret-friend” at Easter

One practice that has become common in recent years is the “chocolate-friend”. This year, 30% of the people interviewed intend to attend, increasing to 41% among the youngest, mainly because they enjoy social events (15%) and because it is a good way to give away less money (9%). On the other hand, 48% do not want to participate, mainly because they do not like the joke (35%) and because they are currently out of money (13%).

Among those who want to participate in Easter chocolate friend, the average is 3 participations. Considering the environment and the people with whom the joke will be made, 56% will perform the chocolate-friend as a family, 49% among friends and 45% among co-workers. Four out of ten people will participate (40%) intend to spend between R $ 26.00 and R $ 50.00 with each secret friend’s gift, and the average spend will be R $ 45.74.

“Why not make the joke an opportunity to save money? It is not hard to remember that we are coming out of a long recession and that many families are on a cost containment basis. Instead of having to buy eggs for several people, the chocolate friend allows spending to be concentrated on a single member of the family. At the same time, nobody is left without the gift “, says the financial educator of SPC Brazil and the portal My Happy Pocket, José Vignoli.

7% got their name dirty because of last Easter. 14% usually spend more than their finances allow on purchases

Although avoid buying gifts on commemorative dates may be an alternative to save and put the budget in order, for part of the interviewees, this is not a choice: 14% of those who go shopping on the date this year admit that they usually spend more than their finance allow for gifts at Easter and 6% will even stop paying some account to buy chocolates or products this year.

Another data that inspires concern and denounces the reckless behavior of some consumers is that 7% of those interviewed who made last year’s Easter purchases were called dirty because they did not take their purchases. Among those who will be presenting in 2018, one third (33%) acknowledge that they have at least one account in arrears and 31% are with the CPF enrolled in delinquent registrations.

“Like any other commemorative date, Easter is subject to all marketing and advertising mechanisms to stimulate consumption, as this is an important date for trade. So people often end up giving in to consumerism and exaggerating spending, “says Kawauti. “If the consumer is prepared, if he has set aside an amount to spend on Easter, that is fine, as long as that does not prevent him from making more important financial commitments, as well as saving money for contingencies. What is not recommended is to make debts or stop paying bills, with the intention of buying eggs, bonbons, etc., “warns the economist.


The survey initially heard 859 consumers of both genders, aged over 18 and all walks of life in the nation’s 27 capitals to identify the percentage of people intent on spending at Easter. To evaluate the purchase profile, we considered 600 cases of the initial sample.