Deferred payments for business and installments for business – how to implement them in your store?

More and more online stores are introducing the option of deferred payment or payment in installments. While this does not surprise anyone in the consumer sector, until recently this type of financial solutions for companies were rare and often burdened with many limitations. Today the situation is completely different.
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Are flexible payment terms important for business customers?


Business customers looking for the perfect place to shop are primarily guided by price, as are individual customers, by the way – this is obvious and not debatable. However, it is different when the user focuses on a product or service and plans the purchase as a one-time thing, and different when they are looking for a place (store) to which they could potentially return (for example, to buy something else from the same category or to stock up on selected goods on a regular basis). In the latter case, price still plays a big (perhaps still the biggest) role, but other aspects – customer service, safe and fast transportation, and the aforementioned flexibility of payment methods – are also gaining in importance.

Why implement PragmaPay deferred payments and installments for businesses in your e-store?


Customer expectations are one thing – they are extremely important, and their needs should always be taken into account if you want to ensure that your store is attractive to them. However, it’s worth confronting them with the costs of implementing new payment methods and the real benefits behind expanding your offer of financial solutions.

What will you gain from PragmaPay?

The first and most important difference you can expect is an increase in turnover. Entrepreneurs, having more flexible forms of payment at their disposal are more willing to shop for larger amounts. They know that they can take advantage of deferred payment on attractive terms, and this makes the store’s turnover increase – and even triple!

According to an internal survey, up to 81% of our customers value PragmaPay’s capabilities so much that they return to the same store to make repeat purchases. This is a great opportunity to mess with your customers and gain loyal, regular users of your e-store.

It’s better to give choices than to expect customers to conform to restrictions. Payment convenience is an extremely important aspect of online shopping. By allowing customers to pay in the way that is most convenient for them (payment in advance, deferred payment or installment), you build a competitive advantage. Entrepreneurs are more likely to store at a store that offers a 30-day deferred payment option than one that requires payment right away – sometimes even if it involves a price difference in favor of the less flexible solution.

PragmaPay can be implemented in the payment gateway your store uses or directly on the sales platform (e.g. Shoper, PrestaShop). In this way, the solution will become an integral part of the shopping experience, and customers will complete their purchases conveniently, without having to go to third-party websites.

What will your customers gain?

Choice – each of your business customers will be able to pay standard, but also:

  • spread payment in installments (up to 12 months),
  • buy now and pay later – in 14, 30 or even 60 days.

Experience similar to using consumer financial services. The application for deferment or installment payment is simple and short, with a decision in 3 minutes at most.

Invoice today, payment in 60 days – deferred payment and installments step by step


Adding to the aforementioned benefits is the simplicity that characterizes PragmaPay. The entire process from the customer’s perspective can be summarized in just three steps.

Step one: choosing a form of payment. Once all the necessary products and services are in the buyer’s shopping cart, at the shopping summary stage, the entrepreneur chooses between deferred payment and installment. Deferred payment is available for 14, 30 or 60 days. The purchase can be divided into 3, 6, 9 or 12 installments.

Step two: the customer must now verify the company’s bank account number. It is at this stage that the possibility of financing is checked. The answer comes in a flash – up to three minutes.

Step three: when a positive decision is made, PragmaGO transfers the funds to your store account immediately, and you can act with your order. In this arrangement, everyone wins. Your company receives the funds immediately, the customer doesn’t have to commit his funds, and the order goes to fulfillment immediately.

So how do you ensure that business customers can use the new business payment methods without interruption?

Help your customers buy and pay the way they want!


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