The unregistered bank slip is a traditional form of payment widely used by virtual stores. It is issued after the completion of a purchase on an e-commerce site. The consumer prints it, takes it to a bank and makes the payment. After confirmation, the merchant releases the purchased product to be delivered to the location indicated by the customer.
The advantages of the electronic ticket without registration are:
- Economy:
Shopkeeper pays a small fee to the bank only if the bill is paid by the customer;
– Compensation:
Consumers who pay in cash with a bank slip have discounts;
- Practicality:
The retailer does not need to inform the bank every time it issues a boleto;
- Alternative:
Option for those who do not have access to other forms of payment.
But the managers of the Brazilian Federation of Banks decided to make it difficult to use the slip without registration in the list of payment methods of virtual merchants. As of June 2015, this alternative is no longer offered to new bank customers and, by December 2016, it will probably be abolished or partially restricted (not yet known for sure).
This measure can have a profound impact on the profits of e-commerce sites, many of which have the unregistered boleto as a means of payment for 30% to even 40% of their sales.
Therefore, e-commerce administrators should inform themselves in advance about this issue of the end of the unregistered boleto and start planning alternatives, such as the registered boleto, which is already being provided by some banks, but with other types. of fees and rules.
Another key point is the integration that will be made from the new ticket model to the virtual store. Integrating a new system may require a e-commerce platform that allows Front-end and Back-end programming. So make sure your system will provide the convenience you need to make the changes.
