Five tips for choosing the best payment methods and boosting sales

With the accelerated digitization of businesses and the expansion of payment options in the market, selecting the most suitable methods has become a strategic decision for companies. This process directly impacts customer experience, transaction security, and operational efficiency.

To illustrate, the 2025 Trends Report by Zoop reveals that 77% of Brazilians use Pix, consolidating it as the preferred method nationally. Furthermore, 50% of the population already uses contactless payments, reflecting the rapid adoption of secure and agile digital solutions.

With this scenario in mind, Alex Tabor, CEO of Tuna Pagamentos — a platform specialized in payment orchestration — shares five essential tips to help business owners choose the payment methods most suited to their needs.

1. Understand your audience’s profile

According to the CEO, the first step in selecting payment methods is understanding who your customers are and the preferences of each generation. “A younger audience, such as Generations Z and Alpha, tends to value digital payments like contactless, digital wallets, and Pix. A broader demographic still relies on cards as the primary method — used by 78% of Brazilians — but the preference for mobile payments already reaches 30% and is expected to grow. Adapting to consumer preferences can increase satisfaction and sales,” he states.

2. Evaluate transaction security

“Security should be a priority when choosing payment methods. Opt for solutions that offer fraud protection and comply with regulatory standards such as PCI DSS (Payment Card Industry Data Security Standard),” Alex advises. 

Additionally, it is important to consider methods that enable two-factor authentication, data encryption, facial recognition, and other security features — fintech Tuna, in fact, offers this type of infrastructure.

3. Consider the costs involved

Each payment method has its own costs, which may include transaction fees and chargeback costs — the reversal of a credit or debit card transaction.

According to the executive, “it is important to conduct a detailed analysis of these costs in relation to sales volume and the company’s average ticket. Choosing payment methods that balance costs and benefits can help maintain the financial health of the business.”

4. Integration with existing systems

The compatibility of payment methods with the management systems already used by the company is crucial. Hence, the importance of hiring payment facilitators that offer a wide variety of operators. 

“Verify whether the chosen solutions integrate easily with the ERP, CRM, or other software your company uses. Efficient integration can automate processes, reduce errors, and improve financial and accounting control,” Alex recommends.

5. Flexibility and scalability

“As a company grows, its payment needs also evolve,” reminds the CEO of Tuna. “Therefore, it is important to choose payment methods that offer flexibility and can adapt to business growth,” he adds. 

Scalable solutions that allow adding new methods — such as automatic Pix, contactless, or installment payments — or increasing transaction volume without complications are ideal for expanding businesses.