Zahlung auf Rechnung weiter auf dem Vormarsch

von | 2017-12-27T19:21:17+00:00 09.04.2014|Allgemein, Payment|Kommentare deaktiviert für Zahlung auf Rechnung weiter auf dem Vormarsch
Für Kunden eines Onlineshops ist die bequeme und sichere Zahlung einer der wichtigsten Faktoren. Wird ein Kauf kurz vor Ende abgebrochen, liegt dies in den meisten Fällen daran, dass das bevorzugte Zahlungsverfahren nicht angeboten wird. Daher sollten Online-Händler bei der Auswahl der angebotenen Bezahlverfahren größte Sorgfalt an den Tag legen. Einen Hinweis darauf, wie die Nutzervorlieben beim Bezahlen aussehen, können diesbezügliche Studien geben. Sowohl bei der „Online-Payment-Studie 2013“ des EHI-Retail-Institute als auch bei der Studie „Erfolgsfaktor Payment – Der Einfluss der Zahlungsverfahren auf Ihren Umsatz“ von ibi research an der Universität Regensburg wurde deutlich, dass Kunden ganz klar die Zahlung per Rechnung favorisieren.

Customers prefer payment on account

The payment on account now belongs to the classics among the payment procedures, it can nevertheless in the German mail order to a long tradition look back. The advantage for customers is that they have to pay the goods only when they have received them completely and intact. In addition, this procedure is a rather secure process in terms of data protection. Therefore, it is not surprising that payment on account is still on the rise in times of credit card payment, e-mail and mobile payment. And the fact that the purchase of bills with customers is so high in the price is also reflected in the purchase decay rate. Online merchants, who also offer the purchase on account as a payment method, can record an 81% drop in the purchase decay rate.

Payment on account involves risk of payment failure for online merchants

For online retailers, the purchase of bills is probably one of the most risky payment procedures. And the fear of a failure to pay is quite justified. Again and again it happens that invoices are paid too late or not at all. According to the consultancy institute ibi research 95 per cent of all traders had already to deal with payment disturbances in the payment on account. Especially for small online retailers, who often lack the financial resources to collect open invoices by law, this circumstance can be a threat to their lives. However, the purchase of bills can also bring advantages for online retailers. Since this type of payment can theoretically be handled entirely in-house without the need for external service providers to be switched on, It is associated with comparatively low transaction costs. In addition, online merchants benefit from a lower drop-off rate during checkout, better customer retention and higher basket values. However, whether these potentials are reflected in reality depends to a large extent on the product range and on the design of payment processing. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. In addition, online merchants benefit from a lower drop-off rate during checkout, better customer retention and higher basket values. However, whether these potentials are reflected in reality depends to a large extent on the product range and on the design of payment processing. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. In addition, online merchants benefit from a lower drop-off rate during checkout, better customer retention and higher basket values. However, whether these potentials are reflected in reality depends to a large extent on the product range and on the design of payment processing. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. From better customer loyalty and higher basket values. However, whether these potentials are reflected in reality depends to a large extent on the product range and on the design of payment processing. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. From better customer loyalty and higher basket values. However, whether these potentials are reflected in reality depends to a large extent on the product range and on the design of payment processing. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice. For example, the share of fraud attempts or a high return rate is more pronounced in some sectors, whereas in other sectors this is not an issue at all. According to a retailer survey of Shopanbieter.de, mainly the fashion trade as well as product types, which have proved to be particularly affine for commercial loan fraud, such as electronic articles, are affected by the disadvantages of the purchase of the invoice.

von | 2017-12-27T19:21:17+00:00 09.04.2014|Allgemein, Payment|Kommentare deaktiviert für Zahlung auf Rechnung weiter auf dem Vormarsch

Über den Autor:

Holger Bosk

Holger Bosk ist CTO der Novalnet AG. Er verfügt über langjährige Erfahrungen im Payment-Sektor.