{"id":4321,"date":"2024-04-17T18:23:53","date_gmt":"2024-04-17T18:23:53","guid":{"rendered":"https:\/\/navidor.com\/services\/surcharging-cash-discount-dual-pricing\/"},"modified":"2024-11-13T17:05:08","modified_gmt":"2024-11-13T17:05:08","slug":"surcharging-cash-discount-dual-pricing","status":"publish","type":"page","link":"https:\/\/navidor.com\/fr\/services\/surcharging-cash-discount-dual-pricing\/","title":{"rendered":"Cash Discount, Dual Pricing & Surcharging"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Vous avez peut-\u00eatre entendu parler des diff\u00e9rentes m\u00e9thodes qui vous aideront \u00e0 supprimer ou r\u00e9duire vos frais d\u2019encaissement de cartes bancaires:<\/p>\n\n\n\n

Surcharging<\/strong> : Appliquer des frais suppl\u00e9mentaires aux clients r\u00e9glant par carte bancaire.
Cash Discount <\/strong>: Offrir une remise aux clients r\u00e9glant en esp\u00e8ces,
Dual Pricing <\/strong>: Montrer les 2 prix possibles en fonction du mode de paiement choisi<\/p>\n\n\n\n

Mais comment savoir laquelle convient le mieux \u00e0 votre entreprise ?<\/p>\n\n\n\n

Navidor vous guide \u00e0 travers ces choix en quelques \u00e9tapes simples.<\/p>\n\n\n\n

Illustrons cela par un exemple :<\/p>\n\n\n\n

Consid\u00e9rons que vous poss\u00e9dez un magasin qui accepte \u00e0 la fois les paiements par carte de cr\u00e9dit et en esp\u00e8ces. Comme la plupart des entreprises, vous supportez des frais d\u2019acceptation des cartes de cr\u00e9dit, et vous pr\u00e9f\u00e9reriez les r\u00e9percuter sur vos clients plut\u00f4t que de les absorber vous-m\u00eame.<\/p>\n\n\n\n

C’est l\u00e0 que ces m\u00e9thodes interviennent :<\/p>\n\n\n\n

    \n
  1. Surcharging <\/strong>: Cette option consiste \u00e0 ajouter un petit pourcentage (jusqu’\u00e0 3 %) au montant total d\u00fb par le client, mais uniquement sur les encaissements par carte bancaire. Attention cet \u00ab extra \u00bb ne peut s’appliquer qu’aux cartes de CREDIT, et non aux cartes de DEBIT, et vos frais d\u2019encaissement ne seront donc que partiellement couverts.<\/li>\n\n\n\n
  2. Cash Discount<\/strong> : Si vous souhaitez encourager les paiements en esp\u00e8ces et accro\u00eetre vos liquidit\u00e9s, vous pouvez offrir une remise aux clients qui paient en cash. Cette m\u00e9thode vous permet de r\u00e9duire votre d\u00e9pendance aux cartes de cr\u00e9dit et de supprimer vos frais d\u2019encaissements.<\/li>\n\n\n\n
  3. Dual Pricing<\/strong> : Avec cette option, vous proposez deux prix diff\u00e9rents : un pour les paiements en esp\u00e8ces et un autre (l\u00e9g\u00e8rement plus \u00e9lev\u00e9) pour les paiements par carte. Cela donne aux clients la flexibilit\u00e9 de choisir leur m\u00e9thode de paiement pr\u00e9f\u00e9r\u00e9e tout en indiquant clairement que les paiements par carte entra\u00eenent un co\u00fbt suppl\u00e9mentaire.<\/li>\n<\/ol>\n\n\n\n

    En r\u00e9sum\u00e9, \u00ab Surcharging \u00bb augmente le co\u00fbt total affich\u00e9, tandis que \u00ab Cash Discount \u00bb et \u00ab Dual Pricing \u00bb le r\u00e9duisent. Cette distinction est importante, car chaque approche peut influencer la perception des clients.<\/p>\n\n\n\n

    De plus, \u00ab Cash Discount \u00bb et \u00ab Dual Pricing \u00bb sont des m\u00e9thodes l\u00e9gales dans tous les \u00e9tats (USA), tandis que \u00ab Surcharging \u00bb est interdite dans certains \u00e9tats (comme \u00e0 New York), et r\u00e9glement\u00e9e dans d’autres, avec des limites variables sur les taux de surcharge maximum. De plus, les prestataires de cartes de cr\u00e9dit peuvent avoir leurs propres directives concernant les pratiques de frais suppl\u00e9mentaires.<\/p>\n\n\n\n

    Chacune de ces m\u00e9thodes poursuit le m\u00eame objectif : encourager les paiements en esp\u00e8ces et r\u00e9cup\u00e9rer les frais d\u2019encaissement en cartes bancaires. Toutefois, elles n\u00e9cessitent toutes une communication claire, notamment par un affichage \/ signal\u00e9tique en magasin, afin que les clients soient inform\u00e9s de leurs options de paiement. Par ailleurs, tous les terminaux ou syst\u00e8mes de point de vente (POS<\/span>) ne prennent pas forc\u00e9ment en charge ces trois fonctionnalit\u00e9s.<\/p>\n\n\n\n

    Vous h\u00e9sitez encore sur la m\u00e9thode qui convient le mieux \u00e0 votre entreprise ? Contactez Navidor aujourd\u2019hui, et nous vous aiderons \u00e0 faire le bon choix.<\/strong><\/p>\n\n\n\r\n

    \r\n En savoir plus ici<\/a>\r\n<\/div>","protected":false},"excerpt":{"rendered":"

    Quelle est la diff\u00e9rence ? 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