Today we speak with Melcior de Palau Rovira, eCommerce Director of Global Payments Commerce, about very interesting topics regarding payment gateways.
Melchor is the director of the online payments section of CaixaBank. Online commerce is growing by 26% year-on-year and accounts for between 13% and 14% of total commerce.
The highest volume of sales (more than 70%) corresponds to only 150 companies; The market still needs to reach a certain balance between large and small businesses. The great weight of transactions is in the hands of traditional banks, which strive to learn and improve to keep up with the times.
People tend to have a very classic image of banks, but in reality they have evolved a lot to adapt to virtual transactions and new markets. To be up to date, they have a group of developers that transfers the services to WordPress and other CRMs.
They also offer pre-authorization to make balance reservations, ideal for crowdfunding platforms, for example. Another novelty that they manage is the so-called subscription economy, designed for subscription platforms or membership sites.
They offer an administration panel to their clients that allows them to schedule payments automatically, either with fixed or variable prices. For security, they have verification systems for card payments: this way users are covered against potential fraud or scam.
They have also created a platform in which businesses can manage their own risk and protect themselves from fraud, leaving transactions on “hold” until payment is verified. They work to optimize the “wallet”, that is, they optimize the user’s payment process within the store to make it as easy as possible.
Melcior’s testimony is very interesting, and I hope it has been of interest to you! For anything, you already know that you can ask him in the comments of the video 🙂
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