¿Plataformas de pago online? Diferentes modelos de pago OnLine para nuestro e-commerce

Diferentes modelos de pago OnLine para nuestro e-commerce

En esta ocasión vamos a comentar las distintas formas que tenemos disponibles para formalizar los pagos dentro de nuestro e-commerce.

Hace poco tiempo que se viene diciendo por los círculos de influencia que Facebook está preparando una plataforma de pago similar a la de Paypal. Malas noticias para el principal operador de Ebay que puede ver como peligra su ejemonía pensarán algunos con acierto por su parte.

PayPal creció un 19% el pasado año, realizando transacciones por valor de 17.700 millones de dólares durante el último cuatrimestre. En tiempos de crisis como los que vivimos los chicos de San Jose (California) alientan con sus datos, son de lo más esperanzadores para el sector del comercio electrónico.

Pagos OnLine
Pagos OnLine

 

Podemos resumir las distintas formas de pago online en:

  1. Tarjeta de crédito
  2. Transferencia bancaria
  3. Cobro contra reembolso
  4. Pasarela de pago

Para las tres primeras lo primero que vamos a necesitar es un certificado de seguridad SSL para garantizar que los datos que nos envíen los usuarios desde la web están encriptrados y seguros, por otro lado certificamos que somos quienes decimos al poseer este certificado. Para las pasarelas de pago por lo general no va a ser extrictamente necesario pero sí interesante ya que las propias pasarelas cuentan con sus propios certificados de seguridad SSL.

Pero vallamos por partes, una primera opción sería la de ir directamente a nuestro banco y contratar un TPV electrónico para procesar pagos con tarjetas de crédito / débito, en este aspecto cada entidad aplicaría sus tarifas propias y condiciones, eso por un lado y por otro decir que esta en principio no sería la mejor opción para negocios nuevos o que únicamente vedan a través de Internet por dos motivos principales, uno que contra menos vendamos los gastos van a ser mayores y dos que para implementar el sistema TPV en el dominio a veces es una labor un tanto tediosa y que va a requerir de un buen técnico para llevarla a cabo. A si que este primer sistema de pagos online no nos va a convenir en un principio salvo que contemos con un margen de error muy amplio o que vendamos una cantidad de productos muy considerable cosa que para una web recién creada es un tanto difícil, pero no desesperemos ya que tenemos más maneras.

Lo ideal para este tipo de negocios o webs de reciente creación es plantearse el uso de una pasarela de pago por Internet, las cuales son bastante fiables y gozan de una buena reputación por parte del público cibernauta.
Pero veamos mejor una por una las diferentes formas que tenemos a la hora de realizar los cobros desde nuestra página web, serían estas:

1 Pagos con tarjetas

Se podría decir que existen tres entidades de nivel mundial que tendríamos que prestar atención, estas serían VISA, American Express y MASTERCARD, para poder hacer uso de ellas será necesario acudir a una pasarela de pago, ya sea de alguna entidad bancaria o de Internet, por lo general aceptarán los pagos con cualquiera de las tres mencionadas a demás de con las suyas propias en el caso de los bancos.

2 Transferencia bancaria

Vamos a comenzar diciendo sobre el cobro por transferencia bancaria en la web que es uno de los peores medios de cobro que podemos implementar por las siguientes razones:
1- Poca aceptación por parte de la gente, la mayoría de personas tenemos banca online pero no sabemos o no podemos realizar una simple transferencia online, eso los que tenemos banca online que por lo general no todos podemos decir que usamos la banca desde casa, hoy por hoy existe un gran número de personas que no utilizan los servicios de banca online y que cuando requieren hacer alguna operación con el banco sencillamente se desplazan físicamente hasta él para hacerla.
2- Tiempos de demora y de servicio, como consecuencia directa del punto anterior tenemos este segundo punto, si un usuario o cliente se tiene que desplazar físicamente hasta el banco para hacer nuestra transferencia   estaremos en primer lugar causando una molestia innecesaria al cliente al hacerlo ir hasta su banco para realizar el pago, también estaremos dilatando los tiempos de operación con sus correspondientes puntos negativos, es de lógica cuanto menos tardemos en cobrar y enviar el producto antes estaremos en condiciones de cobrar y enviar uno nuevo y por extensión mejores y más apremiantes ingresos tendremos.
3- El ahorro en comisiones bancarias desaparecerá,  se puede pensar que al gestionar nosotros mismos la operación nos podemos ahorrar ese pequeño porcentaje tan molesto que nos cobran por ejemplo las pasarelas de pago pero en realidad si lo analizamos con detenimiento veremos que no es así, imaginemos una empresa que realiza 80 ventas al mes, si esas ventas son por transferencia tendrá que tener a una persona casando cada  transferencia con su número correspondiente de pedido, esto es tiempo y esfuerzo que se traduce en salarios para trabajadores, si hacemos balance entre lo que cuestan esos salarios y lo que cuestan los porcentajes de las pasarelas veremos que serán más rentables las segundas.
En definitiva los pagos mediante transferencia han de estar por tener más opciones que ofrecer al comprador pero solo de esa manera, como una alternativa y no como forma de pago única.

3- Cobro contrareembolso

Para el cobro a contrareembolso diremos que es un tipo de pago muy demandado por parte de los compradores, esto es así por la sencilla razón de que hasta que no les llega el paquete o la compra a sus manos no la van a tener que pagar, con esto se quitan el miedo existente cuando se realza una compra a si se va a recibir el producto o no. Eso para el comprador pero ¿y para el vendedor?, para este la situación no es tan favorable ya los costos del envío se podrían encarecen si el comprador rechaza el mismo, el vendedor se verá forzado a pagar esos gastos de envío cuando en realidad no se ha producido ninguna venta.
Por otro lado para la gestión de los envíos y los costos de los mismos tendremos que contactar con alguna empresa de repartos como puedan ser MRW, Segur o el mismo Correos para que nos informen sobre costos y pormenores, después será tan simple como escoger y dar la opción desde la web.
Un apunte más sobre este tema, y esto es algo que por lo general se desconoce, cuando realizamos una compra a contra reembolso tenemos la opción de abrir el paquete antes de pagar dicha compra, de esa forma nos aseguramos de ante mano que no se han confundido de artículo en el envío y que por lo menos el exterior del producto está en buenas condiciones.

4 Las pasarelas de pago

Una vez más tengo que hacer uso de la Wikipedia para hacer una definición de lo que son las pasarelas de pago en Internet, que dice lo siguiente:

Una pasarela de pago (también llamada medio en inglés medio en castellano “gateway de pago”) es un proveedor de servicios de aplicación de comercio electrónico que autoriza pagos a negocios electrónicosminoristas electrónicosladrillo y cliqueo o el tradicional ladrillo y mortero. Es el equivalente de una TPV (Terminal Punto de Venta) física ubicada en la mayoría de los almacenes al detalle. Las pasarelas de pago cifran información sensible, tal como números de tarjetas de crédito, para garantizar que la información pasa en forma segura entre el cliente y el vendedor.

Dentro de la modalidad de pasarelas de pago, es habitual que la gente se decante por el uso de PayPal, lo primero por que es un sistema muy sencillo de implementar dentro de cualquier tipo de página web y segundo por que tiene una gran aceptación por el público, sobre todo nacional.
Para el comprador existe una razón de peso a la hora de realizar la compra desde paypal, si esta sale mal por cualquier motivo el mismo paypal se hará cargo del importe de esa compra para la completa devolución del mismo, yo personal mente he llegado a escuchar casos en los que el producto enviado no coincidía con el comprado en realidad, quejarse a paypal informando de esta situación y paypal devolver el importe de la compra pero sin que la persona en cuestión tuviera que devolver el producto equivocado, se quedó con ambas cosas, sirva solo como ejemplo de la fiabilidad que le puede llegar a dar al comprador.
Para el vendedor es un tanto diferente, paypal controla toda la venta desde que se realiza el cobro al cliente hasta que le llega el producto dando siempre preferencia al comprador, si algo sale mal en esa venta será responsable el vendedor y por consiguiente será el que tendrá que pagar, a eso tenemos que sumar que tienen unas tarifas para estudiar con detenimiento, resumiendo si es un comercio que venda un producto con margen de beneficios digamos un producto caro, es posible que paypal sea interesante, por el contrario si el producto es al por mayor o tiene muy poco margen de beneficios será más conveniente mirar alternativas a paypal.
Algunas alternativas a paypal hoy por hoy serían las siguientes:
2CheckOut
Pasarela de pagos recomendada por muchos webmasters, yo personalmente no trabajé nunca con ella entre otras cosas por no tener soporte en castellano.
Google Check Out
Un medio de pago que está luchando por abrirse paso en el mercado de las pasarelas online, de la casa google aspira a ser competencia directa de paypal pero en la actualidad todavía son pocas las páginas que permiten los pagos con él.
PayBox
Otra de las alternativas que podríamos encontrar en la red a la hora de implementar la pasarela de pago online.

 

Generalizando todo esto un poco, hay que dar opción al pago desde nuestra web de varias formas, entre ellas las ya mencionadas, pagos a contra reembolso, por transferencia directa y por tarjeta de crédito ya sea con una pasarela de pagos o directamente con un TPV bancario y la merchant account que te proporcionen, de esa forma trataremos de aceptar cualquiera de las alternativas que puedan gustar a unos y otros compradores.

 

Miguel Ángel Pulido

CEO ComercialSEO. Freelance profesional desarrollo de aplicaciones multiplataforma para la web. Marketing online, SEO, SEM, Social Media.

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    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  • el 03/05/2012 a las 13:35
    Permalink

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  • el 03/05/2012 a las 13:52
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 03/05/2012 a las 19:38
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 03/05/2012 a las 19:58
    Permalink

    The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  • el 03/05/2012 a las 20:22
    Permalink

    The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  • el 03/05/2012 a las 21:25
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 03/05/2012 a las 21:49
    Permalink

    The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

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    Permalink

    Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

  • el 03/05/2012 a las 22:36
    Permalink

    This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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    This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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    Permalink

    Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

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    Permalink

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    Permalink

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  • el 04/05/2012 a las 6:53
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 04/05/2012 a las 8:46
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 04/05/2012 a las 8:51
    Permalink

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  • el 04/05/2012 a las 9:14
    Permalink

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  • el 04/05/2012 a las 9:47
    Permalink

    Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

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    Permalink

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    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 04/05/2012 a las 12:13
    Permalink

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  • el 04/05/2012 a las 12:20
    Permalink

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  • el 04/05/2012 a las 13:40
    Permalink

    Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  • el 04/05/2012 a las 14:27
    Permalink

    The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  • el 04/05/2012 a las 14:28
    Permalink

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  • el 04/05/2012 a las 14:36
    Permalink

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  • el 04/05/2012 a las 15:00
    Permalink

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

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    Permalink

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  • el 21/05/2012 a las 12:07
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    Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

  • el 21/05/2012 a las 13:33
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  • el 21/05/2012 a las 14:12
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  • el 21/05/2012 a las 15:12
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  • el 21/05/2012 a las 15:38
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  • el 21/05/2012 a las 16:06
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