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Choix du paiement en ligne sécurisé :

Après réfléxion , j’ai opté pour le paiement en ligne sécurisé CIC. Dans ce procédé, la banque va gérer la transaction et assura le bon déroulement du paiement pour le commerçant en ligne (moi même) et le client. Au moment du réglement, le client basculera sur la page de paiement hébergée sur le serveur de la banque gestionnaire des transactions. Ce procédé est extrément fiable puisque l’organisme bancaire vérifiera en ligne l’autorisation de la transaction et m’informera de la transaction.

Par ailleurs, ce procédé garantit au consommateur que le vendeur ne connaitra jamais ses coordonnées bancaires.

Même si l’installation du TPE qui permet l’encaissement de ventes par carte bancaire est coûteuse (150euros pour l’obtention des codes à insérer sur le site et 17euros par mois pour la maintenance), j’ai préféré ce choix car ce service est davantage apprécié par les cyberacheteurs.  En effet, 85% des cyberacheteurs utilisent une carte bancaire pour la paiement de leurs achats, seulement 32% payent avec un portefeuille en ligne comme paypal ou moneybooker.

Ce matin, j’ai donc rempli un formulaire à la banque Cic pour obtenir ce service de paiement en ligne. La banque va vérifier le contenu du site www.vetirium.fr et donnera son avis, normalement positif dans les plus brefs délais. J’ai également ouvert un compte professionnel à la Cic me permettant de différencier le compte personnel du compte professionnel. Ce compte me permettra l’encaissement de chèques, d’obtenir des relevés d’identité bancaire à fournir pour les fournisseurs et j’aurais également le droit à une carte bancaire professionnelle pour les achats professionnels : stocks de vêtements essentiellement.

 

~ by buffi17 le 19 janvier 2010.

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