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Według Przelewy24 takie rozwiązanie może zwiększyć konwersję transakcji ratalnych nawet o 20 proc.</p><h2>Raty mają być widoczne wcześniej</h2><p>Przelewy24 zmienia też sposób, w jaki raty mają być prezentowane w <a href=\"https://fintek.pl/aktualnosci/e-commerce/\">e-commerce</a>. Dotychczas w wielu sklepach była to metoda płatności, o której klient dowiadywał się dopiero na końcu zakupów, na etapie koszyka lub finalizacji transakcji.</p><p>Nowa wersja Przelewy24 Raty zakłada wcześniejsze informowanie o możliwości rozłożenia zakupu na raty. Sprzedawcy mogą korzystać między innymi z gotowych wtyczek do Magento, PrestaShop i WooCommerce. Dostępne są także dynamiczne kalkulatory rat, które można wyświetlać bezpośrednio na karcie produktu.</p><p>Według doświadczeń Przelewy24 odpowiednia ekspozycja rat może znacząco podnieść średnią wartość koszyka. W niektórych kategoriach wzrost sięga nawet trzy- lub czterokrotności. Dotyczy to między innymi sklepów z branży dom i ogród, motoryzacji, RTV i AGD, materiałów budowlanych, usług medycznych oraz edukacji.</p><p>Firma wskazuje, że klient, który już podczas przeglądania produktu widzi możliwość zakupu na raty, częściej wybiera droższy produkt i rzadziej rezygnuje z zakupów z powodu chwilowego braku środków.</p><h2 style=\"text-align: left;\">Raty nadal popularne w polskim e-commerce</h2><p>Dane z raportu Omni-commerce „Kupuję wygodnie 2026” pokazują, że około 47 proc. internautów korzysta z rat online. <a href=\"https://fintek.pl/jak-polacy-finansuja-remonty-embedded-finance-raty-i-kredyty-raport-smartney-grupa-oney/\">Raty wraz z usługami BNPL pozostają popularną formą finansowania zakupów</a>. Tylko 4 proc. badanych deklaruje, że całkowicie wyklucza korzystanie z takich rozwiązań.</p><p>Z rat najczęściej korzystają osoby po 35. roku życia, szczególnie konsumenci w wieku 45-54 lat. Relatywnie często sięgają po nie także mieszkańcy dużych miast oraz gospodarstwa domowe o zróżnicowanych dochodach.</p><p>W badaniu konsumenci najczęściej wskazywali raty 0 proc. jako najważniejszą zaletę tej formy finansowania. Tak odpowiedziało 29 proc. respondentów. 24 proc. docenia możliwość dokonania zakupu mimo chwilowego braku pieniędzy, 23 proc. szybką decyzję kredytową, 22 proc. dostęp do promocji, a 20 proc. możliwość przejścia całego procesu online.</p>\n","post_title":"Przelewy24 uruchamiają Raty 2.0. Nowością jest agregacja ofert","post_excerpt":"Przelewy24 uruchomiło nową wersję usługi Przelewy24 Raty. 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