With the accelerated digitalization of business and the expansion of payment options in the market, the choice of the most appropriate means has become a strategic decision for companies. This process directly impacts the customer experience, transaction security and operational efficiency.
To illustrate, the Zoop Trends Report 2025 it reveals that 77% of Brazilians use Pix, consolidating it as the nationally preferred method. In addition, 50% of the population already uses approach payments, reflecting the rapid adoption of secure and agile digital solutions.
With this scenario in mind, Alex Tabor, CEO of Tuna Payments uma platform specialized in payment orchestration & Payment, shares five essential tips to help entrepreneurs choose the most appropriate means of payment for their needs.
- Know the profile of your audience
For the CEO, the first step to select the means of payment is to understand who are their customers and what are the preferences of each generation. “A younger audience, such as Generations Z and Alpha, tends to value digital payments, such as those by approximation, digital wallets and Pix. Already a broader profile still maintains the card as the main means 78% used by Brazilians 78%, but the preference for mobile already reaches 30% and should grow. Adapting to consumer preferences can increase the sales and”, he says.
- Assess the security of transactions
“Security should be a priority when choosing payment methods. Opt for solutions that offer fraud protection and are in line with regulatory standards such as PCI DSS (Payment Card Industry Data Security Standard)”, Alex says.
In addition, it is important to consider means that allow two-step authentication, data encryption, facial recognition and other security features & fintech Tuna even offers this type of structure.
- Consider the costs involved
Each payment method has its own costs, which may include transaction fees and chargeback charges for a credit or debit card transaction.
According to the executive, “it is important to make a detailed analysis of these costs in relation to sales volume and the average ticket of the company. Choosing means of payment that balance costs and benefits can help maintain the financial health of the” business.
- Integration with existing systems
The compatibility of the means of payment with the management systems already used by the company is crucial.Therefore, the importance of hiring payment facilitators that offer a wide variety of operators.
“Make sure your chosen solutions integrate easily with ERP, CRM or other software your company uses.Efficient integration can automate processes, reduce errors and improve financial and accounting control”, advises Alex.
- Flexibility & scalability
“As a company grows, payment needs also evolve”, recalls the CEO of Tuna.“Pso it is important to choose payment methods that offer flexibility and can adapt to the growth of the” business, he adds.
Scalable solutions that allow you to add new methods such as automatic Pix, by approximation or in installments or increase the volume of transactions without complications are ideal for expanding companies.