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https://cdn.businessinsider.nl/wp-content/uploads/2024/10/GettyImages-1483907774-800x533.jpg?ver=1728992533 800w, https://cdn.businessinsider.nl/wp-content/uploads/2024/10/GettyImages-1483907774-768x512.jpg?ver=1728992533 768w, https://cdn.businessinsider.nl/wp-content/uploads/2024/10/GettyImages-1483907774-1536x1024.jpg?ver=1728992533 1536w, https://cdn.businessinsider.nl/wp-content/uploads/2024/10/GettyImages-1483907774-400x267.jpg?ver=1728992533 400w" /> <div class="entry-content article-body" itemprop="articleBody"> <p><strong>Stel, je hebt een geweldig product of dienst en wilt daarmee de markt op. Dan komt er als startende ondernemer het nodige op je af. Niet alleen wil je dat jouw klanten je weten te vinden, maar vooral ook dat zij jouw producten kopen. Een goede strategie voor betalingen speelt daarin een cruciale rol.</strong></p> <div class="piano-article__after-block--1"></div> <p>De Nederlandse detailhandel groeit, zo blijkt uit cijfers van het <a href="https://www.cbs.nl/nl-nl/nieuws/2024/34/detailhandel-zet-ruim-1-procent-meer-om-in-tweede-kwartaal">Centraal Bureau voor de Statistiek</a>. In het tweede kwartaal steeg de omzet in de detailhandel op jaarbasis met 1,2 procent. Een groot deel van deze omzet wordt online gerealiseerd. Uit de meest recente <a href="https://www.google.com/url?q=https://www.thuiswinkel.org/kennisbank/downloads/thuiswinkel-markt-monitor-2024/&amp;sa=D&amp;source=docs&amp;ust=1727341565292893&amp;usg=AOvVaw3Fqd3XyclyNxzgi0ERTxSA">Thuiswinkel Markt Monitor</a> komt naar voren dat in het eerste half jaar van 2024 Nederlandse consumenten 17,5 miljard euro aan online retail uitgaven. Dit is een toename van 6 procent ten opzichte van dezelfde periode vorig jaar. Het is dus een uitstekende tijd om (te beginnen met) producten of diensten te verkopen, zowel online als offline.</p> <div id="div-gpt-ad-456245625425492648-1" class="ad-container-in-content"></div><p>Zodra je start met je onderneming, is het van belang om een aantal essentiële zaken op orde te hebben, waaronder je betaalstrategie. Dit vormt namelijk de fundering van je bestaansrecht als ondernemer en kan je onbewust veel geld kosten. Als jouw betaalproces namelijk niet goed op orde is, zullen mensen minder snel afrekenen en neemt de kans op een herhaalaankoop af.</p> <div class="piano-article__after-block--3"></div> <h3 class="wp-block-heading" id="h-maar-hoe-ontwikkel-je-een-ideale-betaalstrategie-deze-vier-pijlers-kun-je-aanhouden" style="font-size:25px">Maar hoe ontwikkel je een ideale betaalstrategie? Deze vier pijlers kun je aanhouden:</h3> <div style="height:18px" aria-hidden="true" class="wp-block-spacer"></div> <ul class="wp-block-list"> <li>Een slim betaalmodel</li> <li>Wet- en regelgeving</li> <li>Nieuwe doelgroepen en markten aantrekken</li> <li>Optimalisatie van de check-out</li> </ul> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <figure class="wp-block-table has-small-font-size"><table class="has-fixed-layout"><tbody><tr><td><strong>Benieuwd wat je nog meer kan doen voor een optimale betaalstrategie? <a href="https://pubads.g.doubleclick.net/gampad/clk?id=6803335167&amp;iu=/9071" target="_blank" rel="noreferrer noopener nofollow">Download de whitepaper van Buckaroo</a> en ga direct aan de slag.</strong></td></tr></tbody></table></figure> <div style="height:42px" aria-hidden="true" class="wp-block-spacer"></div> <h3 class="wp-block-heading" id="h-een-slim-betaalmodel"><strong>Een slim betaalmodel</strong></h3> <p>De eerste stap in je online betaalstrategie is te achterhalen hoe jouw doelgroep het liefste winkelt en afrekent. Je hebt namelijk tientallen verschillende betaalmethoden, ieder met zijn eigen doelgroep en kostenstructuur. Zo werkt iDEAL met een vast tarief per transactie, terwijl dat bij creditcards een percentage is.</p> <p>In Nederland wordt 71% van de online aankopen met iDEAL afgerekend waardoor dit voor ondernemers een logische keuze is om op te nemen als betaaloptie.De kostenstructuur bij creditcardbetalingen ligt hoger, maar het biedt wel nieuwe kansen. Zo kunnen bijvoorbeeld toeristen of expats ook betalingen doen in fysieke winkels. Wanneer je creditcard in je webshop aanbied als extra betaalmethode. Dan kan dit conversie verhogend zijn. Volgens onderzoek is gebleken dat consumenten bij een hogere orderwaarde ook eerder geneigd om met een creditcard af te rekenen, omdat creditcards aankoopbescherming bieden.</p> <p>Als je bijvoorbeeld actief bent in fashion, kan het lonen om Buy Now Pay Later (BNPL) betaalmethodes aan te bieden. Op deze manier kunnen jouw klanten eenvoudig verschillende maten bestellen en hoeven zij pas achteraf het gewenste product af te rekenen.</p> <p>Voor retailers met een fysieke winkel, zoals een bakker of koffiezaak, is een vaste of mobiele pinautomaat belangrijk. Naast de standaard pinapparaten is Tap to Pay een nieuwe ontwikkeling. Deze app maakt van elke iPhone of Android-apparaat een pinterminal waarmee betalingen via een bankpas, smartphone of smartwatch kan worden gedaan. Ook is het mogelijk om te retourpinnen. Deze methode is uitermate geschikt voor branches zoals de horeca, ambulante handel en de taxibranche.</p> <p>Er zijn ook diverse alternatieve verdienmodellen voor bedrijven die abonnementen aanbieden. Zo zijn er sportscholen, maaltijdbox aanbieders, bakkers met broodabonnementen, streamingdiensten etc. Dat vereist wel een andere betaalmethode, maar kan op langere termijn wel zorgen voor een stabiele inkomstenbron.</p> <p>Denk ook na over de inzet van cadeaukaarten. Bij bouwmarkten en tuincentra is het bijvoorbeeld heel gebruikelijk dat consumenten cadeaukaarten kunnen inwisselen. Als jij dan als bouwmarkt niet de mogelijkheid biedt om VVV-bonnen in te wisselen, loop je het risico klanten kwijt te raken aan de concurrent.</p> <p>Welke betaalmethoden voor jouw onderneming het beste zijn, kun je onder meer achterhalen door waardevolle klantdata te verzamelen. In online dashboards krijg je bijvoorbeeld inzicht wanneer welke betalingen zijn gedaan, maar ook hoeveel betalingen er niet worden afgemaakt. Deze inzichten helpen jouw checkout proces te verbeteren.</p> <div id="div-gpt-ad-25613-7" class="ad-container-in-content"></div><h3 class="wp-block-heading" id="h-wet-en-regelgeving"><strong>Wet- en regelgeving</strong></h3> <p>Als onderneming heb je te maken met diverse wet- en regelgeving waaraan je moet voldoen. Zo moet je ervoor zorgen dat je de AVG (Algemene Verordening Gegevens) naleeft. Een vereiste is bijvoorbeeld dat je beschikt over een zakelijke bankrekening om gebruik te maken van een Payment Service Provider (PSP).</p> <p>Lees je daarom goed in om deze zaken te begrijpen en denk na in hoeverre het zinvol is om bepaalde betaalmethoden aan te bieden. Om creditcardbetalingen te accepteren moet je bijvoorbeeld aan bepaalde voorwaarden voldoen. Ook mogen bepaalde producten niet met een creditcard worden afgerekend. Bekijk daarom vooraf goed welke terugbetalings- en contractvoorwaarden er voor BPNL in jouw situatie van toepassing zijn.</p> <h3 class="wp-block-heading" id="h-nieuwe-markten-en-doelgroepen"><strong>Nieuwe markten en doelgroepen</strong></h3> <p>De meeste startende ondernemers zijn niet direct actief  in meerdere landen, maar doen dat pas in een later stadium. Heb je internationale ambities? Dan is het wel van belang om direct aan het begin een goed fundament van je systemen neer te zetten. Als je dit niet op orde hebt, loop je namelijk tegen bepaalde uitdagingen aan zodra je wilt uitbreiden.</p> <p>Denk daarom goed na over de platformen die je wilt gebruiken en hoe schaalbaar deze zijn. Naarmate een onderneming groeit en geografisch uitbreidt, moet je ervoor zorgen dat je ook de betaalmethoden kan aanbieden die in deze landen veel worden gebruikt. Zo is België bijvoorbeeld Bancontact de meest gebruikte betaalmethode, terwijl consumenten in Duitsland weer graag met creditcard of via PayPal betalen. Dit betekent dat je andere betaalmethoden moet integreren in je bestaande applicaties en moet kunnen samenwerken met derde partijen, om een naadloze betaalervaring te bieden.</p> <h3 class="wp-block-heading" id="h-optimalisatie-van-de-check-out"><strong>Optimalisatie van de check-out</strong></h3> <p>Het afrekenen van producten is voor consumenten een spannend onderdeel. Zorg er daarom voor dat consumenten zo eenvoudig mogelijk kunnen afrekenen.</p> <p>Zet allereerst de meest geschikte betaalmethode links bovenaan en biedt zeker in het begin niet te veel betaalopties aan, zodat de klant overzicht houdt. Ook kun je op basis van IP-adressen bepaalde betaalmethoden wel of niet laten zien.</p> <p>Eén van de belangrijkste ontwikkelingen is fast checkout. Apple Pay en Google Pay maken het mogelijk voor consumenten om met een druk op de knop al hun persoonlijke gegevens automatisch in te vullen, waarna zij deze alleen nog hoeven te bevestigen om de betaling af te ronden.</p> <p>Zorg er verder voor dat je regelmatig je betaalproces test, om te achterhalen of alles nog naar behoren functioneert. Kijk tot slot ook eens bij jouwconcurrent om te zien hoe zij hun checkout hebben ingericht en wat je daarvan kunt leren. Op deze manier blijf je op de hoogte van de laatste ontwikkelingen en hoe je jouw klant optimaal kunt ondersteunen tijdens het betaalproces.</p> <h3 class="wp-block-heading" id="h-doordachte-betaalstrategie"><strong>Doordachte betaalstrategie</strong></h3> <p>Om succesvol te zijn in online verkopen, is een doordachte betaalstrategie cruciaal. Let daarbij niet alleen op het aanbieden van betaalmethoden die aansluiten bij je doelgroep, maar ook of je voldoet aan de geldende wet- en regelgeving.</p> <p>Denk verder goed na hoe je het betaalproces en de checkout optimaliseert. Dit verhoogt namelijk de conversie en de kans op herhaalaankopen, terwijl een slechte betaalervaring klanten juist afschrikt.</p> <p>Door deze zaken op orde te brengen, vergroot je de klanttevredenheid en leg je de basis voor een duurzame groei van jouw onderneming in zowel binnen- als buitenland.</p> <p><strong>Benieuwd wat je nog meer kan doen voor een optimale betaalstrategie? <a href="https://pubads.g.doubleclick.net/gampad/clk?id=6803335167&amp;iu=/9071" target="_blank" rel="noreferrer noopener nofollow">Download de whitepaper van Buckaroo</a> en ga direct aan de slag.</strong></p> <p><em>Dit artikel is tot stand gekomen in samenwerking met <a href="https://pubads.g.doubleclick.net/gampad/clk?id=6803335167&amp;iu=/9071" target="_blank" rel="noreferrer noopener nofollow">Buckaroo.</a></em></p> <!-- Adslot's refresh function: googletag.pubads().refresh([gptadslots[2]]) --> <div id='div-gpt-ad-25613-3'></div> <!-- End AdSlot 3 --> <!-- Adslot's refresh function: 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