Historiquement, les commer\u00e7ants n’acceptaient les cartes bancaires que s’ils disposaient d’un volume de transactions suffisant pour rentabiliser le co\u00fbt du terminal de paiement \u00e9lectronique (TPE). En plus d’un loyer pour l’\u00e9quipement, une commission variable \u00e9tait appliqu\u00e9e.<\/p>\n\n\n\n
Par la suite, les TPE mobiles ont fait leur apparition, permettant m\u00eame aux commer\u00e7ants itin\u00e9rants d’accepter les paiements par carte bancaire. Connect\u00e9 au smartphone via Bluetooth, le TPE mobile initie la transaction directement depuis l’appareil. Le mat\u00e9riel est g\u00e9n\u00e9ralement lou\u00e9 \u00e0 moindre co\u00fbt ou mis \u00e0 disposition gratuitement, en \u00e9change de taux de commission plus \u00e9lev\u00e9s.<\/p>\n\n\n\n
D\u00e9sormais, une troisi\u00e8me option est disponible : le \u00ab\u00a0tap to pay\u00a0\u00bb (ou \u00ab\u00a0tap to iPhone\u00a0\u00bb). Cette m\u00e9thode permet d’encaisser un paiement par carte bancaire sans utiliser de TPE. Nous l’avons test\u00e9e et c’est impressionnant !<\/p>\n\n\n\n
Fini les attentes interminables pour que le TPE d\u00e9marre ou les probl\u00e8mes de connexion Bluetooth. Il suffit de lancer l’application sur le smartphone, de saisir le montant \u00e0 encaisser et d’approcher la carte. Le paiement s’effectue sans contact gr\u00e2ce \u00e0 la technologie NFC. Si le montant d\u00e9passe le plafond de 50 \u20ac g\u00e9n\u00e9ralement appliqu\u00e9 aux paiements sans contact, le client peut saisir son code directement sur le smartphone, permettant ainsi de finaliser la transaction comme sur n’importe quel terminal.<\/p>\n\n\n\n
Outre le gain de temps, ce syst\u00e8me permet \u00e9galement de r\u00e9duire les frais. Aucun \u00e9quipement suppl\u00e9mentaire n’\u00e9tant n\u00e9cessaire, il n’y a ni frais d’achat ni frais de location du terminal, tout en b\u00e9n\u00e9ficiant de taux de commission r\u00e9duits. C’est \u00e9galement tr\u00e8s int\u00e9ressant pour les encaissements saisonniers. Une association n’aura pas \u00e0 payer un terminal de paiement tous les mois si elle n’organise qu’un seul \u00e9v\u00e9nement dans l’ann\u00e9e ; le \u00ab\u00a0Tap to Pay\u00a0\u00bb est la solution id\u00e9ale. Enfin, cela devrait permettre de multiplier les points d’encaissement. En cas d’augmentation soudaine d’activit\u00e9, il est plus facile d’installer l’application sur plusieurs smartphones que de louer des TPE suppl\u00e9mentaires.<\/p>\n\n\n\n
Avant de ranger d\u00e9finitivement votre TPE, assurez-vous que votre smartphone est compatible avec cette technologie. Chez Apple, cette fonctionnalit\u00e9 est disponible \u00e0 partir de l’iPhone Xs.<\/p>\n\n\n\n
Plusieurs banques fran\u00e7aises proposent d\u00e9j\u00e0 cette fonctionnalit\u00e9 ainsi que des prestataires comme Stancer, Stripe, WorldOnline, etc…<\/p>\n","protected":false},"excerpt":{"rendered":"
Historiquement, les commer\u00e7ants n’acceptaient les cartes bancaires que s’ils disposaient d’un volume de transactions suffisant pour rentabiliser le co\u00fbt du terminal de paiement \u00e9lectronique (TPE). En plus d’un loyer pour l’\u00e9quipement, une commission variable \u00e9tait appliqu\u00e9e. Par la suite, les TPE mobiles ont fait leur apparition, permettant m\u00eame aux commer\u00e7ants itin\u00e9rants d’accepter les paiements par 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