With the accelerated digitization of businesses and the expansion of payment options in the market, choosing 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 nationally preferred method. Additionally, 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 Payments — a platform specialized in payment orchestration — shares five essential tips to help business owners choose the payment methods most suited to their needs.
- Know 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. Meanwhile, a broader profile still prefers cards as the main method — used by 78% of Brazilians — but mobile preference already reaches 30% and is expected to grow. Adapting to consumer preferences can increase satisfaction and sales,’ he explains.
- 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),’ advises Alex.
Additionally, it’s important to consider methods that enable two-factor authentication, data encryption, facial recognition, and other security features — fintech Tuna, for instance, provides this type of structure.
- Consider the costs involved
Each payment method has its own costs, which may include transaction fees and chargeback fees — reversals of credit or debit card transactions.
According to the executive, ‘it’s 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 business’s financial health.’
- Integration with existing systems
The compatibility of payment methods with the company’s current management systems is crucial. Hence, the importance of hiring payment facilitators that offer a wide variety of operators.
‘Verify whether the chosen solutions easily integrate with the ERP, CRM, or other software your company uses. Efficient integration can automate processes, reduce errors, and improve financial and accounting control,’ advises Alex.
- Flexibility and scalability
‘As a company grows, its payment needs also evolve,’ reminds Tuna’s CEO. ‘Therefore, it’s 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 volumes without complications are ideal for expanding businesses.
