{"id":19883,"date":"2023-11-22T20:45:16","date_gmt":"2023-11-22T18:45:16","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=19883"},"modified":"2023-11-22T21:56:59","modified_gmt":"2023-11-22T19:56:59","slug":"platile-instant-un-salt-urias-pentru-platile-cont-la-cont-si-industria-de-ecommerce","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/platile-instant-un-salt-urias-pentru-platile-cont-la-cont-si-industria-de-ecommerce","title":{"rendered":"Pl\u0103\u021bile instant &#8211; un salt uria\u0219 pentru pl\u0103\u021bile cont la cont \u0219i industria de eCommerce"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><div class=\"fb-like fb-like-button_count\" data-href=\"https:\/\/www.gpec.ro\/blog\/platile-instant-un-salt-urias-pentru-platile-cont-la-cont-si-industria-de-ecommerce\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>[articol partener] Comercian\u021bii se afl\u0103 constant \u00een c\u0103utarea de solu\u021bii de plat\u0103 online care s\u0103-i ajute s\u0103 diminueze costurile la \u00eencasare, s\u0103 creasc\u0103 lichiditatea \u0219i s\u0103 re\u021bin\u0103 mai mult profit. Pl\u0103\u021bile cont la cont prin open banking \u00eei ajut\u0103 s\u0103 r\u0103spund\u0103 acestor nevoi \u0219i chiar mai mult atunci c\u00e2nd sunt executate instant, la orice ora din zi \u0219i din noapte, chiar la checkout \u00een magazinul lor online.<!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Spre deosebire de metodele de plat\u0103 online pe care le cunoa\u0219tem azi \u0219i care au \u00een spate cardul de debit sau credit sau transferul bancar, plata prin open banking \u2013 cunoscut\u0103 \u0219i sub numele de plat\u0103 cont la cont &#8211; permite oricui de\u021bine un cont bancar s\u0103 ini\u021bieze pl\u0103\u021bi digitale rapide \u0219i sigure chiar din magazinul online (web sau mobile app) sau orice platform\u0103 de eCommerce \u00een care se afl\u0103.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-19884 aligncenter\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-300x169.jpg\" alt=\"\" width=\"549\" height=\"309\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-300x169.jpg 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-1024x576.jpg 1024w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-768x432.jpg 768w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-1536x864.jpg 1536w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-2048x1152.jpg 2048w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/11\/plati-instant-SPay-1360x765.jpg 1360w\" sizes=\"auto, (max-width: 549px) 100vw, 549px\" \/>Tehnologia <a href=\"https:\/\/www.gpec.ro\/blog\/serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi\">open banking<\/a> face posibil\u0103 ini\u021bierea pl\u0103\u021bii online \u00eentre dou\u0103 conturi bancare, din orice website, aplica\u021bie sau document electronic, \u0219i aduce pentru prima dat\u0103 diversitate \u00een op\u021biunile pe care le avem la plata online, al\u0103turi de maximizarea securit\u0103\u021bii. Oferind consumatorilor posibilitatea de a alege s\u0103 pl\u0103teasc\u0103 f\u0103r\u0103 a-\u0219i expune datele confiden\u021biale pe site-uri sau \u00een aplica\u021bii ter\u021be &#8211; datele personale, num\u0103rul cardului, codul CCV &#8211; plata cont la cont se deta\u0219eaz\u0103 ca cea mai sigur\u0103 metod\u0103 de plat\u0103 online la achizi\u021bia de produse \u0219i servicii.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Procesul de plat\u0103 este 100% digitalizat \u0219i simplu: dup\u0103 ad\u0103ugarea articolelor \u00een co\u0219ul de cump\u0103r\u0103turi, cump\u0103r\u0103torii aleg s\u0103 pl\u0103teasc\u0103 chiar din contul lor bancar cu plata cont la cont. Astfel, ini\u021biaz\u0103 plata, selecteaz\u0103 banca \u00een fereastra de pl\u0103\u021bi, apoi autorizeaz\u0103 plata dup\u0103 autentificarea \u00een banca selectat\u0103 cu ajutorul userului \u0219i parolei sau metodelor biometrice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prin ap\u0103sarea butonului de plat\u0103 cont la cont \u00eentr-un magazin online:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cump\u0103r\u0103torii aleg s\u0103 trimit\u0103 banii din contul lor bancar direct \u00een cel al comerciantului f\u0103r\u0103 griji \u00een privin\u021ba riscului de fraud\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">banii ajung direct \u00een contul comerciantului \u00eembun\u0103t\u0103\u021bind fluxul de numerar al acestuia<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">iar comerciantul cunoa\u0219te statusul pl\u0103\u021bii \u00een orice moment f\u0103r\u0103 a necesita alte dovezi de plat\u0103.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pl\u0103\u021bile cont la cont \u00een EURO devin instant \u00een toate \u021b\u0103rile din Uniunea European\u0103 (UE) \u0219i Zona Economic\u0103 European\u0103 (EEA) conform \u00een\u021belegerii agreate \u00eentre Parlamentul European \u0219i Consiliul Europei din 7 noiembrie 2023. \u00cen Rom\u00e2nia, pl\u0103\u021bile \u00een EURO, dar \u0219i \u00een RON, vor urma acela\u0219i trend firesc.<\/span><\/p>\n<p><b>Execu\u021bia instant\u0103 a pl\u0103\u021bilor cont la cont<\/b><span style=\"font-weight: 400;\"> reprezint\u0103 o evolu\u021bie benefic\u0103 pentru industria de eCommerce \u0219i o solu\u021bie de plat\u0103 a\u0219teptat\u0103 de comercian\u021bi care \u00ee\u0219i doreau de mult timp o plat\u0103 rapid\u0103, u\u0219oar\u0103, \u0219i f\u0103r\u0103 intermediari \u00een procesul de plat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cele mai importante beneficii aduse de pl\u0103\u021bile cont la cont instant sunt:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">viteza de execu\u021bie: banii ajung \u00een maxim 10 secunde \u00een contul comerciantului, din contul cump\u0103r\u0103torului<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">disponibilitate 24h\/7: pl\u0103\u021bile instant se execut\u0103 non-stop, f\u0103r\u0103 a mai \u021bine cont de ziua bancar\u0103.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cash-flow \u00eembun\u0103t\u0103\u021bit: comercian\u021bii primesc banii instant la fiecare v\u00e2nzare \u0219i nu mai au de a\u0219teptat zile p\u00e2n\u0103 la decontarea sumelor de c\u0103tre procesatorii de plat\u0103 al c\u0103rui rol dispare din pl\u0103\u021bile prin open banking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">eventualele comisioane, acolo unde acestea \u00eenc\u0103 se mai aplic\u0103, nu vor dep\u0103\u0219i comisioanele pl\u0103\u021bilor curente a\u0219a cum le cunoa\u0219tem azi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">avantaj competitiv: comercian\u021bii care ofer\u0103 plata cont la cont la checkout se vor deta\u0219a fa\u021b\u0103 de cei care ofer\u0103 doar metodele tradi\u021bionale de plat\u0103, nelu\u00e2nd \u00een calcul nevoia crescut\u0103 de securitate la plata online a clien\u021bilor, precum \u0219i plata \u00een lipsa cardului, expir\u0103rii sau indisponibilit\u0103\u021bii acestuia.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SmartPay faciliteaz\u0103 plata instant pe m\u0103sur\u0103 ce b\u0103ncile locale o ofer\u0103 \u00een portofoliul lor de func\u021bionalit\u0103\u021bi prin open banking, iar acolo unde este posibil \u0219i prin rerutarea pl\u0103\u021bilor ini\u021biate de c\u0103tre cump\u0103r\u0103tor \u00eentr-un cont al comerciantului deschis la aceea\u0219i banca.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 \u00een afacerea ta vinzi produse sau servicii online, testeaz\u0103 acum plata cu <\/span><a href=\"https:\/\/www.pay.smartfintech.eu\/payment-initiation?payment=105411&amp;state=eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIiwia2lkIiA6ICJrR0lrSG9NaHlDZTROMm5ZcTZuR1p2MF9ja205YlYwOXJZdkp5OWYtRnJBIn0.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.aWoOCBMyFFABT1P0NDjQXwbL6LUZNGVXbenk6qePveDN6ckUp35IfKRhDtqlmhB7X5WvdocxvrXoafJbFNwXsIzbn75t4SOQz-PP5ZP6nqbJR6XPUC0q2_ALd8Yc4OccicSWbrcobW-mK7OTXnSL5sVOj_QkH6XefaaGeO_TBAfSMfWo3LYDzlnUK6kyqqGOOmX2YupKnV1UOo3QBa90rE89gV46R5voaLzAO7_K3PqpqWBZ0iwzwdDaVXAmnU3Df8Vr3TQ00LkTa7dfktcB8TAkRWCONBYqPbG3hh_LaGn4nDVqsnhsfn0oJtmNLKscLkuOMpyL-g2IrX949K7CVmKkOGkhNXFWWX2k6DIPl0mHExAwesr4J2lNZWFrEWNUq89ofMmtorZRG7NgX7PhetEoxLgU2ZChYoBIcmfGH5VYVCmDaB6X009YPAukf3jVwiftPddrqjPNiwnHhZHxlWf7jg1a5swAfn4Z51HLxAv4LmJmuLz6icBnegNla88TyF06DMZB-jnesfT4AbDsPWKzmnTH7g2BmpjXOVKJjuo7M75VfEFBkDSEyyYnZSTuparyajMaCG7uRwex8sWuAdXp4zZJPsCJVLN2ywOa1t4bdy07E_-LT94A1RI6eyvFBI4XbjN91Nc-O6mFEY_YTHPbweRApeJ5xrGyNCMLU2w\"><span style=\"font-weight: 400;\">SmartPay prin Open Banking<\/span><\/a><span style=\"font-weight: 400;\"> pentru a vedea c\u00e2t de simplu \u00ee\u021bi pot pl\u0103ti clien\u021bii t\u0103i online direct din contul lor bancar \u00een contul afacerii tale, pentru a-\u021bi asigura lichiditatea de care ai nevoie, \u00een condi\u021biile de securitate acceptate de ei.<\/span><\/p>\n<hr \/>\n<p>Autor:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-19565 alignleft\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-150x150.jpg 150w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto.jpg 547w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>Alice Anghelea<br \/>\nGrowth Revenue, Smart Fintech<\/p>\n<p>Cu un background antreprenorial excelent, construit \u00een jurul motiva\u021biei clien\u021bilor pentru schimbare \u0219i inova\u021bie, Alice are 20 de ani de experien\u021b\u0103 \u00een stimularea cre\u0219terii veniturilor pentru companiile de tehnologie \u0219i BPO, de la primele etape p\u00e2n\u0103 la maturitate, at\u00e2t pe pie\u021bele interne, c\u00e2t \u0219i pe cele interna\u021bionale (EMEA, CEE). Ea a contribuit la apari\u021bia \u0219i cre\u0219terea pie\u021bei interna\u021bionale pentru tehnologia SaaS a managementului for\u021bei de munc\u0103 a UCMS Group EMEA \u0219i serviciile BPO, devenind alternativ\u0103 relevant\u0103 la marii furnizori globali. Ea este membru fondator al primei platforme din Europa pentru agregarea \u0219i analiza recenziilor online pentru m\u0103rci de consum. Din 2022, Alice s-a al\u0103turat Smart Fintech, principalul laborator de inovare \u00een Open Banking din Rom\u00e2nia, gestion\u00e2nd strategia de lansare pe pia\u021b\u0103 a start-up-ului, \u00eentr-o abordare orientat\u0103 c\u0103tre client a solu\u021biilor inovatoare de Open Banking constituite ca viitorul pl\u0103\u021bilor digitale \u0219i a solu\u021biilor digitale de agregare a datelor financiare din Rom\u00e2nia \u0219i CEE.<\/p>\n<p><span style=\"font-weight: 400;\">SmartPay este prima metod\u0103 de plat\u0103 direct\u0103 \u00eentre conturi bancare, dezvoltat\u0103 de Smart Fintech, autorizat\u0103 de Banca Na\u021bional\u0103 a Rom\u00e2niei \u0219i integrat\u0103 \u00een sectorul eCommerce, precum \u0219i \u00een alte domenii. Aceast\u0103 solu\u021bie permite ini\u021bierea pl\u0103\u021bilor direct din interfa\u021ba magazinelor online, din contul bancar al cump\u0103r\u0103torului direct \u00een contul comerciantului, f\u0103r\u0103 ca SmartPay s\u0103 de\u021bin\u0103 vreodat\u0103 sumele transferate \u0219i asigur\u00e2nd \u00een colaborare cu b\u0103ncile partenere un grad \u00eenalt de securitate pentru tranzac\u021biile online \u00eentre conturi.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><div class=\"fb-like fb-like-button_count\" data-href=\"https:\/\/www.gpec.ro\/blog\/platile-instant-un-salt-urias-pentru-platile-cont-la-cont-si-industria-de-ecommerce\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>[articol partener] Comercian\u021bii se afl\u0103 constant \u00een c\u0103utarea de solu\u021bii de plat\u0103 online care s\u0103-i ajute s\u0103 diminueze costurile la \u00eencasare, s\u0103 creasc\u0103 lichiditatea \u0219i s\u0103 re\u021bin\u0103 mai mult profit. Pl\u0103\u021bile cont la cont prin open banking \u00eei ajut\u0103 s\u0103 r\u0103spund\u0103 acestor nevoi \u0219i chiar mai mult atunci c\u00e2nd sunt executate instant, la orice ora din zi \u0219i din noapte, chiar la checkout \u00een magazinul lor online.<\/p>\n","protected":false},"author":40,"featured_media":19884,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3887,56],"tags":[4127,4027,4129,4029],"class_list":["post-19883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parteneri-gpec","category-resurse-e-commerce","tag-open-banking","tag-plata-cont-la-cont","tag-plati-instant","tag-smart-fintech"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/comments?post=19883"}],"version-history":[{"count":1,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19883\/revisions"}],"predecessor-version":[{"id":19885,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19883\/revisions\/19885"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/19884"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=19883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=19883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=19883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}