Consumidor gasta mais em loja que aceita cartão

cartao de crédito

Publicado 28/10/2015

O uso de meios de pagamento eletrônicos por parte dos estabelecimentos comerciais estimula gastos maiores dos consumidores, aponta pesquisa da Tendências Consultoria encomendada pela MasterCard. Segundo o levantamento, 82% dos varejistas têm a percepção de que a aceitação de cartões de débito incentivam o aumento do tíquete médio do consumidor. Entre os comerciantes que trabalham com cartões de crédito, 89% dizem que os lucros seriam menores se não aceitassem essa modalidade de pagamento.

A pesquisa mostra que o tíquete médio das transações com dinheiro é de R$ 76,66. Já a média gasta por consumidores que usam cartões de débito é de R$ 89,95. Quando o cartão de crédito é usado, em parcela única, a média avança para R$ 128,24. No caso das transações com crédito parcelado, o patamar salta para R$ 242,28.

Para o coordenador da pesquisa, Fernando Botelho, sócio da Tendências Consultoria, os estabelecimentos percebem que o uso de cartões amplia o universo de consumidores. “Esses meios de pagamento dão acesso a outros tipos de consumidor, como aquele que não teve tempo de sacar dinheiro. O consumidor também vê os meios de pagamentos digitais como um acesso ao crediário descomplicado, sem burocracia”, afirmou.

A pesquisa foi realizada com 610 estabelecimentos comerciais de pequeno, médio e grande portes nas regiões metropolitanas de São Paulo, Brasília, Salvador e Porto Alegre. A amostra ponderada reflete a população nacional de estabelecimentos por região e tamanho.

Do total de entrevistados, 90% aceitam cartões de débito e 83%, de crédito. Para aqueles que não aceitam esses meios de pagamento, a percepção de altos custos foi citada por 39% dos empresários e necessidade de obedecer à regulação e legislação, 21%. O levantamento mostrou ainda que a participação dos meios de pagamento eletrônicos sobre a receita total das empresas é significativa, alcançando 25% em alguns casos.

Fonte: O Estado de SP

Foto: Freepik


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