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Digital payments: Bridging the gap in essential service companies

The future of digital transactions moves at the speed of a tap. Customers, immersed in an ecosystem where solutions like Pix, digital wallets, and contactless payments are the norm, expect a seamless, fast, and secure experience at every touchpoint. The question you need to ask yourself is: is your company meeting that expectation?

For many large corporations, especially those providing recurring essential services, keeping pace with this transformation has been a monumental challenge. And it is precisely in the disconnect between the payment experience customers expect and what companies can deliver that the "payment gap" emerges.

The “payment gap”: Challenge or opportunity?

Imagine your customer trying to pay their utility bill, school tuition, or health insurance. They expect the same simplicity as ordering a taxi or shopping online. Instead, they encounter legacy systems, fragmented processes, and a far-from-effortless experience.

This gap is more than just an inconvenience; it’s a hurdle that directly impacts your business:

  • Outdated systems: Infrastructures not designed for the diversity and volume of today’s payments.
  • Operational complexity: Managing and reconciling multiple payment methods (Pix, boletos, cards, etc.) consumes valuable resources.
  • Security and compliance: Each new payment method demands constant adaptation to regulations and security standards.
  • Shifted focus: For companies whose core business isn’t payments, investing in this infrastructure can stifle innovation in their main area.

Ignoring this gap results in customer friction, higher collection costs, increased delinquency, and ultimately, a loss of competitiveness. But the good news is this gap is, in fact, an opportunity to revolutionize your operations.

Bemobi Pay: Bridging the gap with technology and UX focus

At Bemobi, we understand that companies shouldn’t face this challenge alone. We’ve developed a robust, verticalized payment platform designed to absorb complexity and deliver a top-tier experience to the end customer. Our mission is clear: simplify payments and maximize conversion for companies providing recurring essential services.

How do we achieve this? Through the synergy of a flexible Smart Checkout solution and intelligent Payment Orchestration.

Smart Checkout: The omnichannel experience that drives conversions

Bemobi Pay’s Smart Checkout is a secure, omnichannel, and customizable online solution designed to optimize the payment experience and boost conversion rates. It offers:

  • Multiple payment methods: Support for a wide range of local and international options, adapting to each customer’s preferences.
  • Optimized experience: Intuitive, frictionless payment flows that guide customers through to completion.
  • Full customization: White-label interface adaptable to your brand identity, ensuring consistency and trust.
  • Quick implementation: A ready-to-use solution that enables you to accept payments immediately, reducing time to market.

Payment Orchestration: The intelligence that maximizes approvals and reduces costs

If Smart Checkout is the visible face of the experience, Payment Orchestration is the mastermind behind the scenes, ensuring the success of every transaction. It’s not just about processing payments, but strategically and intelligently directing them.

This advanced orchestration technology enables you to:

  • Optimize routing: Connect your business to multiple providers and acquirers, directing each transaction through the most efficient path to maximize approval rates.
  • Reduce costs: Choose the best route for each payment to minimize fees and optimize operational expenses.
  • Prevent fraud: Integrate proprietary anti-fraud systems specifically developed for the service sector, protecting your revenue and enhancing security.
  • Resilience and flexibility: If one channel fails, orchestration automatically redirects the transaction, ensuring uninterrupted service for the customer.
  • 360° visibility: Consolidate all transaction data, providing a complete view for transparent financial management and informed strategic decisions.

Pix: Integrated and orchestrated payment method

At Bemobi, we integrate Pix natively and strategically within our Bemobi Pay solution, enhancing its use in both Smart Checkout and our Payment Orchestration platform.

With Smart Checkout, users access an optimized, responsive payment flow fully adapted to digital channels. Here, Pix emerges as one of the most efficient and convenient options, enabling experiences such as:

  • Copy-and-paste Pix: Ideal for quick, frictionless payments.
  • Biometric Pix: Enables secure, password-free payments using facial recognition or fingerprint.
  • Automatic Pix: Perfect for recurring payments and subscriptions, simplifying the user’s life.
  • Pix via Google Pay: Integrates Pix into already adopted digital wallets, with no need to switch platforms.

For more on Pix integration, you might be interested in:

By integrating Bemobi’s Smart Checkout and Payment Orchestration, your company not only bridges the payment gap, it also positions itself at the forefront of digital innovation.

In this digital era, payments are no longer just a transaction; they are a core part of the customer experience and a key driver of growth. If you’re interested in learning more about Bemobi’s Smart Checkout and Payment Orchestrator, we invite you to complete the following form and we’ll be happy to get in touch with you shortly.

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