Black Friday: Celcoin orienta como preparar a infraestrutura de pagamentos para os picos de vendas a pouco mais de 50 dias para a data

A pouco mais de 50 dias para a Black Friday, empresas intensificam suas estratégias para maximizar vendas. No Brasil, essa é uma das datas mais importantes para o varejo, mas também um teste de resistência para as infraestruturas tecnológicas de pagamento, que podem enfrentar dificuldades para absorver o alto volume de transações e o fluxo intenso de usuários. O resultado pode ser falhas no processamento, lentidão e instabilidade, gerando perdas de receita e prejuízos à experiência do cliente — além de danos à reputação das marcas.

To support e-commerce and marketplaces in preparing for the date, Luis Moraes, Head of Banking at Celcoin & Financial Infratech, which offers a complete financial ecosystem for retail companies & shares tips and strategies to ensure the robustness of payment systems.The goal is to turn the Black Friday challenge into an opportunity to strengthen customer relationships and achieve significant financial results.

1. Contingency Strategies

The biggest mistake is to underestimate the volume and complexity of Black Friday. Many companies invest only in marketing, but not in the infrastructure necessary to support sales success.For this, the ideal is to develop in advance a robust contingency plan, which includes not only communication, but infrastructure and technological systems as well. Some points are indispensable to structure an effective plan as a proactive monitoring of infrastructure, and, have a team or system that monitors all solutions 24/7, even before peak sales, and during the most delicate moments.

Besides, create backup routes, and, in the event of a failure in a payment system is crucial to have an alternative in which the customer can finalize the purchase. It may be to offer another payment method or direct traffic to a partner “emergential” Another essential point is to have transparent communication with the customer and among the team.

In that case, if a problem occurs, the interaction with the customer must be clear and objective.Informing about the failure, what is being done to solve and offer alternatives, avoids frustration, loss of sale, and even increases the chances of a new purchase by trusting in the service and troubleshooting that the company offers.

2. Specialized technology

The architecture of microservices and APIs instead of having a system with a single large structure, a strategy can be to use several small, independent services, each responsible for a specific function, such as processing the Pix, the credit card or the reconciliation. This allows the company to scale only the service that needs more capacity (for example, the Pix), at peak times, without overloading the entire system.

In this line, Celcoin operates as a “motor” behind the operation in the most demanded services on date. Thus, the retailer can focus on its sales, knowing that payment technology is being managed by a platform prepared to handle any volume, ensuring speed and stability.

3. Security and fraud

Another point of attention is the number of fraud attempts that can grow exponentially along with the volume of sales. With technological advances and AI in Brazil, an alternative is the investment in security tools that use this feature and machine learning to monitor transactions in real time. These tools can identify suspicious buying patterns (such as abrupt change in the average value of a transaction or repeat payments with different card data) and block a suspicious operation before it completes Two-Factor Authentication (2FA) real-time data validation is essential to protect the consumer and the business itself.The payments infrastructure must be built with layers of security from the start, not as a later complement.

4. Attention to Pix

Pix is already the main payment method in Brazil and, on Black Friday, the expectation is that it represents an even larger share of transactions. The great technical challenge is not only the volume of transactions, but the simultaneity of operations. within seconds, millions of people may be trying to pay for their purchases, which requires a system that not only processes quickly, but can also communicate with the infrastructure of the Central Bank and the financial institutions of customers, without bottlenecks.

An unforeseen spike in transactions, instability of the connection with the Central Bank or even an error in reconciling payments, can cause a purchase to be approved, but the payment is not processed correctly. To avoid this, it is important that companies pay attention to the size and capacity of the technological infrastructure they use Robust APIs and a smart retentive system you can ensure that even with an abnormal volume, the transaction is completed, and there are no problems with the completion of purchases.

5. Everything working on Black Friday

In addition to the precautions and strategies to prepare for Black Friday, some practical actions can make a difference on the day stress test it helps to simulate a much higher than expected transaction volume to identify and correct potential bottlenecks in the payment infrastructure.Working with a payment platform that has proven experience in handling large numbers of sales and that offers dedicated support during the event, helps to focus on other fronts such as customer relationship and marketing.In addition, it offers multiple payment methods (credit card, Pix, ticket) helps the customer to have more options if one of the systems is experiencing instability or some error.

Using solutions such as “buy with 1 click” they can also optimize the customer checkout. Through Open Finance, it is possible to offer tools such as direct Pix payment at checkout, without redirection, which reduces the bureaucracy of Face ID transactions and payments, combining conversion, fluidity and security. Finally, investing in a good data structure can help companies predict sales volume, consumer behavior and dedicate efforts to points of improvement since the last experience of the date.

6. Credit offer

In addition to payment systems, retail can take the opportunity to work on the credit offer in the period. With products at lower values and business opportunities, customers may need credit and security to perform transactions. Having a platform that helps you not only in maintaining the technological infrastructure, but also offers a financial ecosystem with a pool of solutions for the company and consumers can be a good strategy.

Anticipation of suppliers via structured credit, asset management platform, credit collection and recovery, and attractive purchasing options for consumers (“Buy Now Pay Later”) are some of the solutions that can be applied on date and also throughout the year in retail, optimizing customer relationships and creating a broader service base for companies.