{"id":94580,"date":"2026-03-17T18:12:12","date_gmt":"2026-03-17T21:12:12","guid":{"rendered":"https:\/\/www.ecommerceupdate.com.br\/?p=94580"},"modified":"2026-03-17T18:12:19","modified_gmt":"2026-03-17T21:12:19","slug":"orquestracao-de-pagamentos-ganha-espaco-estrategico-no-e-commerce-brasileiro","status":"publish","type":"post","link":"https:\/\/www.ecommerceupdate.com.br\/is\/orquestracao-de-pagamentos-ganha-espaco-estrategico-no-e-commerce-brasileiro\/","title":{"rendered":"Grei\u00f0sluskipan f\u00e6r stefnum\u00f3tandi r\u00fdmi \u00ed brasil\u00edskum rafr\u00e6num vi\u00f0skiptum"},"content":{"rendered":"<p>\u00cd m\u00f6rg \u00e1r var fari\u00f0 me\u00f0 grei\u00f0slur sem rekstrarstig rafr\u00e6nna vi\u00f0skipta: a\u00f0 velja g\u00f3\u00f0an grei\u00f0slu\u00fej\u00f3nustua\u00f0ila, tryggja st\u00f6\u00f0ugleika og fylgjast me\u00f0 vi\u00f0skiptahlutf\u00f6llum. Hins vegar virka\u00f0i \u00feetta l\u00edkan \u00e1 me\u00f0an marka\u00f0urinn var fyrirsj\u00e1anlegri. Grei\u00f0slua\u00f0fer\u00f0ir voru takmarka\u00f0ar og al\u00fej\u00f3\u00f0leg st\u00e6kkun var ekki hluti af dagskr\u00e1 flestra me\u00f0alst\u00f3rra og st\u00f3rra fyrirt\u00e6kja.<\/p>\n\n\n\n<p>\u00deessi atbur\u00f0ar\u00e1s hefur breyst, sem endurspeglar auki\u00f0 fl\u00f3ki\u00f0 vistkerfi grei\u00f0slna, a\u00f0 s\u00f6gn Gabriel Tierno, vi\u00f0skipta\u00fer\u00f3unarstj\u00f3ra LATAM hj\u00e1 Juspay, sem \u00fatsk\u00fdrir: \u201c me\u00f0 fleiri grei\u00f0slum\u00e1ta, marga yfirt\u00f6kua\u00f0ila, l\u00f6g af svikum, regluger\u00f0arreglur og neytendur s\u00edfellt vi\u00f0kv\u00e6mari fyrir n\u00faningi hefur umbreytt grei\u00f0sluinnvi\u00f0um \u00ed stefnum\u00f3tandi \u00e1kv\u00f6r\u00f0un og fyrirt\u00e6ki sem enn starfa me\u00f0 st\u00edf mannvirki eru eftirb\u00e1tur. \u00dea\u00f0 er \u00ed \u00feessu samhengi sem grei\u00f0sluskipan h\u00e6ttir a\u00f0 vera t\u00e6knilegt hugtak og byrjar a\u00f0 taka pl\u00e1ss \u00ed umr\u00e6\u00f0um um v\u00f6xt, skilvirkni og samkeppnish\u00e6fni\u201d.&nbsp;<\/p>\n\n\n\n<p>Hva\u00f0 er \u00fea\u00f0, \u00ed reynd<\/p>\n\n\n\n<p>Grei\u00f0sluskipan virkar sem snjalllag sem mi\u00f0st\u00fdrir og stj\u00f3rnar \u00f6llu grei\u00f0sluvistkerfi fyrirt\u00e6kis - g\u00e1ttum, yfirt\u00f6kua\u00f0ilum, grei\u00f0slum\u00e1ta, svika- og au\u00f0kenningu - \u00b4er eitt vi\u00f0m\u00f3t. \u00cd sta\u00f0 hverrar f\u00e6rslu eftir fast fl\u00e6\u00f0i \u00e1kve\u00f0ur kerfi\u00f0 \u00ed raunt\u00edma bestu lei\u00f0ina fyrir hver kaup, a\u00f0 teknu tilliti til breyta eins og kostna\u00f0ar, kortager\u00f0ar, sta\u00f0setningu neytenda og frambo\u00f0s veitenda. Ef einn \u00feeirra mistekst e\u00f0a l\u00e6kkar afk\u00f6st gerist tilv\u00edsunin sj\u00e1lfkrafa, \u00e1n truflana til vi\u00f0skiptavinarins.<\/p>\n\n\n\n<p>Munurinn fr\u00e1 hef\u00f0bundnu l\u00edkaninu er einmitt \u00ed \u00feessari kraftmiklu greind. \u00c1\u00f0ur sam\u00fe\u00e6tti verslunarma\u00f0urinn hvern birgi s\u00e9rstaklega og var h\u00e1\u00f0ur t\u00e6knilegum verkefnum fyrir allar breytingar. Me\u00f0 skipulagningu ver\u00f0a \u00feessar \u00e1kvar\u00f0anir stefnum\u00f3tandi.<\/p>\n\n\n\n<p>Fyrir fyrirt\u00e6ki sem \u00feegar hafa fari\u00f0 yfir upphafsstigi\u00f0, l\u00famskur hagna\u00f0ur gera allt a\u00f0 g\u00e6fumuninn. Framf\u00f6r um 3 til 6% \u00ed leyfishlutfalli kann a\u00f0 vir\u00f0ast l\u00edtil vi\u00f0 fyrstu s\u00fdn, en fyrir rafr\u00e6n vi\u00f0skipti sem reiknar R$50 millj\u00f3nir \u00e1 \u00e1ri, \u00feetta t\u00e1knar eitthva\u00f0 \u00e1 milli R$1,5 millj\u00f3nir og R$3 millj\u00f3nir \u00ed endurheimtum tekjum, \u00e1n aukinnar umfer\u00f0ar e\u00f0a vi\u00f0b\u00f3tarfj\u00e1rfestingar \u00ed marka\u00f0ssetningu.<\/p>\n\n\n\n<p>\u201cse er s\u00fa tegund af \u00e1vinningi sem ver\u00f0ur \u00f3s\u00fdnilegur \u00feegar \u00fe\u00fa starfar me\u00f0 einum yfirt\u00f6kua\u00f0ila og fastan fl\u00e6\u00f0i grei\u00f0slna. \u00dea\u00f0 birtist a\u00f0eins \u00feegar \u00fe\u00fa byrjar a\u00f0 bera saman lei\u00f0ir og skilja hvar vi\u00f0skipti eru hafna\u00f0 \u00e1n \u00feess a\u00f0 \u00feurfa a\u00f0\u201d, \u00fatsk\u00fdrir framkv\u00e6mdastj\u00f3rinn.<\/p>\n\n\n\n<p>Til vi\u00f0b\u00f3tar vi\u00f0 bein fj\u00e1rhagsleg \u00e1hrif, mi\u00f0st\u00fdring gagna sem skipulagning veitir breytir g\u00e6\u00f0um innri \u00e1kvar\u00f0ana. Uppl\u00fdsingar um frammist\u00f6\u00f0u veitenda, endurgrei\u00f0sluhlutfall, bilunarmynstur og grei\u00f0sluheg\u00f0un eftir sv\u00e6\u00f0um byrja a\u00f0 f\u00e6\u00f0a ekki a\u00f0eins fj\u00e1rm\u00e1lateymi\u00f0, heldur einnig v\u00f6ru, marka\u00f0s- og st\u00e6kkunar\u00e1\u00e6tlanir.<\/p>\n\n\n\n<p>Eitt af \u00fev\u00ed sem s\u00e9rfr\u00e6\u00f0ingurinn vitnar mest \u00ed er breytingin \u00e1 \u00f3sj\u00e1lfst\u00e6\u00f0i \u00e1 birgjum. \u00cd hef\u00f0bundnum l\u00edk\u00f6num krefst \u00feess a\u00f0 skipta \u00far yfirt\u00f6kua\u00f0ila e\u00f0a b\u00e6ta vi\u00f0 n\u00fdrri grei\u00f0slum\u00e1ta t\u00e6knilegrar sam\u00fe\u00e6ttingar, t\u00edma og rekstrar\u00e1h\u00e6ttu. Me\u00f0 hlj\u00f3msveitarlagi \u00f6\u00f0last verslunarma\u00f0urinn sveigjanleika til a\u00f0 pr\u00f3fa, skipta um e\u00f0a b\u00e6ta vi\u00f0 veitendum \u00e1n \u00feess a\u00f0 \u00feetta ver\u00f0i uppl\u00fdsingat\u00e6kniverkefni.<\/p>\n\n\n\n<p>\u201c\u00c1\u00f0ur var fyrirt\u00e6ki\u00f0 haldi\u00f0 \u00ed g\u00edslingu af birgi vegna \u00feess a\u00f0 kauph\u00f6llin haf\u00f0i mikinn kostna\u00f0. Me\u00f0 skipulagningu semur \u00fe\u00fa fr\u00e1 einum til annars og \u00feetta gj\u00f6rbreytir vi\u00f0skiptalegum d\u00fdnam\u00edkinni\u201d, segir hann.<\/p>\n\n\n\n<p>Neytandinn finnur \u00fea\u00f0, \u00e1n \u00feess \u00fe\u00f3 a\u00f0 vita \u00fea\u00f0<\/p>\n\n\n\n<p>Miki\u00f0 af skipulagsumr\u00e6\u00f0unni sn\u00fdst um innri skilvirkni, en huglei\u00f0ingin um upplifun neytenda er einf\u00f6ld. Afsannanir korta \u00e1n sk\u00fdrra sk\u00fdringa, skortur \u00e1 sta\u00f0bundnum grei\u00f0slum\u00e1ta og afgrei\u00f0slu sem hanga \u00ed lj\u00f3si t\u00e6knilegs \u00f3st\u00f6\u00f0ugleika eru a\u00f0st\u00e6\u00f0ur sem hafa \u00e1hrif \u00e1 umbreytingu, endurkaup og v\u00f6rumerki. skynjun.<\/p>\n\n\n\n<p>\u201c Fr\u00e1 sj\u00f3narh\u00f3li hver er a\u00f0 kaupa, grei\u00f0slan \u00fearf einfaldlega a\u00f0 virka. Skipulag tryggir \u00feetta \u00e1 bak vi\u00f0 tj\u00f6ldin, \u00f3h\u00e1\u00f0 \u00fev\u00ed hversu fl\u00f3ki\u00f0 \u00fea\u00f0 er\u201d, segir Tierno.<\/p>\n\n\n\n<p>Sk\u00fdrasta merki \u00feess a\u00f0 hlj\u00f3msveitarsetning s\u00e9 ekki lengur fj\u00e1rh\u00e6ttuspil til a\u00f0 ver\u00f0a krafa er \u00ed formlegum r\u00e1\u00f0ningarferlum i\u00f0na\u00f0arins. Samkv\u00e6mt Tierno hafa t\u00e6kni- og RFP og grei\u00f0slur komi\u00f0 til me\u00f0 a\u00f0 innihalda spurningar um hlj\u00f3msveitarl\u00f6g me\u00f0 sama e\u00f0li og \u00e1\u00f0ur a\u00f0eins spurt um a\u00f0alveitan.<\/p>","protected":false},"excerpt":{"rendered":"<p>Durante muitos anos, os pagamentos foram tratados como uma etapa operacional do e-commerce: escolher um bom provedor de servi\u00e7o de pagamento, garantir estabilidade e acompanhar taxas de convers\u00e3o. No entanto, esse modelo funcionou enquanto o mercado era mais previs\u00edvel. Os m\u00e9todos de pagamento eram limitados e a expans\u00e3o internacional n\u00e3o fazia parte da agenda da [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,106],"tags":[43,53,48],"class_list":{"0":"post-94580","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-noticias","8":"category-tendencia","9":"tag-e-commerce","10":"tag-noticias","11":"tag-tendencias"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/94580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/comments?post=94580"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/94580\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media\/9313"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media?parent=94580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/categories?post=94580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/tags?post=94580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}