With the accelerated digitalization of businesses and the expansion of payment options in the market, choosing the most appropriate payment method has become a strategic decision for companies. This process directly impacts customer experience, transaction security, and operational efficiency.
To illustrate, Zoop's 2025 Trends Report reveals that 77% of Brazilians use Pix, solidifying it as the preferred payment method nationwide. 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 specializing in payment orchestration—shares five essential tips to help business owners choose the payment methods best suited to their needs.
- Know your audience profile
For the CEO, the first step in selecting payment methods is understanding your customers and the preferences of each generation. "A younger audience, such as Generations Z and Alpha, tends to value digital payments, such as contactless payments, digital wallets, and Pix. A broader demographic still maintains cards as their primary payment method—used by 78% of Brazilians—but mobile phone payments are already 30% and expected to grow. Adapting to consumer preferences can increase satisfaction and sales," he states.
- Evaluate transaction security
"Security should be a priority when choosing payment methods. Choose solutions that offer fraud protection and are compliant with regulatory standards, such as PCI DSS (Payment Card Industry Data Security Standard)," Alex advises.
Additionally, it's important to consider methods that allow for two-step authentication, data encryption, facial recognition, and other security features—fintech Tuna, in fact, offers this type of structure.
- Consider the costs involved
Each payment method has its own costs, which may include transaction fees and chargeback charges—the reversal of a credit or debit card transaction.
According to the executive, "it's important to conduct a detailed analysis of these costs in relation to the company's sales volume and average ticket. Choosing payment methods that balance costs and benefits can help maintain the business's financial health."
- Integration with existing systems
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 range of operators.
"Make sure the solutions you choose integrate easily with your company's ERP, CRM, or other software. Effective 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," notes 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 you to add new payment methods—such as automatic Pix, contactless payment, or installment payments—or increase transaction volume without complications are ideal for expanding businesses.
