Notice

Comparing services UOL PagSeguro, F2B and digital Payment

To follow I go to tell my evaluation on three services of collection and payment for the Internet, they are: PagSeguro of the UOL (old BrPay), F2B and Digital Payment (site of the Buscapé group).

UOL PagSeguro

I have used the service of the PagSeguro has time sufficiently, before exactly of being acquired by the UOL, when then BrPay was called. I always used to receive the donations from my projects, as VExtenso and Folder Customize. It is very simple to use, does not require documentation sending. Its billet tax currently is fixed in R$ 1,00, independent one of the value of the Billet. You not paid nothing to transfer the received value to the main banks, as Bank of Brazil. One of the inconvenient greaters of the PagSeguro is the act of receiving stated period, that is of 14 days after the confirmation of the payment. The value is restrained, and according to PagSeguro this procedure is for preventing frauds and giving to time of the salesman and purchaser to cancel sales either due to delivery, either for defective product. However for being simple even of more, the PagSeguro already is not serving for my new necessities. It intended to use the service to receive monthly fees from some customers, however the tool of collection sending me seemed precarious very.

Strong points:

• Personal plan without TAXES, but with limit of R$ 500 for month for booty.
• Tax of billet - Fixed R$ 1,00
• Simplicity to receive donations
• The customer is not bothered with invitations to register in cadastre itself in the service

Weak points:

• the collection is registered in cadastre only informing the email of the customer
• it is not possible to send copy for its proper email
• agendamento of recurrent or periodic collection does not exist
• the customer who must fill the data in each received collection
• the money is set free after 14 days
• the billet leaves to desire, does not stand out for the customer who you are the salesman.

F2B

Had my new necessities I searched other services, the one of them F2B. Soon of beginning I impressed myself with the amount of resources and when trying to carry through the tests, I came across myself with a bothering message saying that it had not located documentation. After some minutes, and rereading the email that I received to registering in cadastre me that I perceived that the service needs that you send a documentation digitalizada in scanner, or copy for letter, as corroborative of residence, RG and CPF to activate its account. I made this. In the following day they had bound confirming other personal datas and telephones to me of contact. Some hours later I received notification from I register in cadastre complete and informing that the limit of generation of collection for Billet is of R$ 500, not yet I know if it is the total volume that cannot exceed R$ 500, or the value is for emitted unit. You will only be able to qualify the act of receiving for credit card, after to have carried through a certain number of transactions, according to telephonic support, of 15 the 20 transactions. After this he will only be able to activate the credit card.

Strong points

• I register in cadastre it allows it complete of its customers
• Agendamento of recurrent collection
• It can emit billet for sending for the Post offices
• The customer is not bothered with invitations to register in cadastre itself in the service
• A gamma of services as consultations of SPC, checks, sending of SMS, recharge of cellular
• The billet is most complete, well clearly leaves the data of the salesman,
• In the collection you can inform discountings for prepayment, details of the collection, interests and fine, etc
• Some options to cancel the collection

Weak points

• For having many resources, the use can become confused.
• Fixed billet tax and transferences in R$ 3,29
• Impracticable for small donations due the cited taxes
• Collection of R$ 6,00 to draw its money for the bank
• Interface seems poluída, the menus does not follow a logical order
• The virtual keyboard of the password the times fails
• It requests the password of confirmation for diverse procedures (this option can be modified in Release of Password)
• Credit card only after the 15 20 transactions. 

Digital payment

Finally I registered in cadastre in the service Digital Payment. _ initial be in doubt if can trust, but when verify that the service be part of the group of the Buscapé, perceive that be about a service serious, as the other. To accomplish its I also register in cadastre you needs to send digitalizada documentation, as in the F2B, however this information is well clearer, and in the proper site you find the fields for upload of documents. I carried through some tests, I sent a collection for my email of tests, and of face I found main incoveniente: the customer who must fill the data as NAME, ADDRESS, etc. Equally as in the PagSeguro, however, after to fill the data are made one register in cadastre of its customer in the service, and an email is sent informing the customer registers in cadastre on it. This can very be invonveniente. The following collections envoy for the same email possess the filled data already, and the customer will only be able to change them, needing registers in cadastre to activate it. Thus you do not have control on the data of its customers.

A very important resource for who vende for the Internet is the REPUTATION STAMP, that can inside be inlaid of its site informing the percentage of successfully carried through transactions, fellow creature to the points that exists in the Free Market.

The SPECIAL FORMS OF SALES allow the salesman to determine who will pay the costs of the parcelamento in the card (if the customer, or the proper salesman), thus you will be able to announce for example, “3 Times if Interests”. The simulator of parcels is sufficiently useful who to desire to carry through calculations on values of the installments, you also can inlay the simulator in its site it customer to choose the best option.

Strong points

• Set appointments recurrent Collections
• Very good interface, the best one of the 3
• Reports
• Summary in the initial page
• Automatic booty
• Snake R$ 1 pra to draw in the main banks
• Option not to repass parcelamento in card to the customer, for example, until 3X without interests, in this case the interests is deducted of its account.
• Stamp of Reputation
• Tool of simulation of parcels for the customer

Weak points

• It creates account for its customers and sends email requesting activation
• Tariff of the Billet is of 2,89% of the value, can be good for low values, above of R$ 100 if it becomes expensive.
• The billet leaves to desire, who does not leave clearly is the salesman, and the data on what he is being charged;
• I did not locate the option to cancel collections, pparently cancels after some days of the expiration.

Screenshot PagamentoDigital - Tariff ZERO for Booties Has detached

Integration

All the services possess tools for integration with its site and virtual store. An evaluation still needs to be made in this direction.

Which to choose?

Still I go to carry through tests with the F2B and Digital Payment, therefore the two if had shown very efecientes for sending of collections. Perhaps I continue with
PagSeguro to receive my donations.

Links:
www.f2b.com.br
www.pagseguro.com.br
www.pagamentodigital.com.br

Permanent Link

In 09/Jul/2010 - 10:12 Wilsom Ramano wrote:
With all respect, the digital payment, in my opinion, is not presented as I read here. Unhappyly, I made a purchase and I cancelled it later for the store having a delivery stated period not condizente and already they are more than 3 days that not tenhgo extorno (already paid anticipatedly in the transaction) deposited in my account. In my opinion, the digital payment not you with nothing… very without respect and a certain integrity in this type of interaction with the customer. I prefer 1000 times the PagSeguro. Debtor and success pra all.

In 27/Mai/2010 - Cardona 09:20 wrote:
How you work with the donation in the PagSeguro… and the addition of deep, that she only can generate two billets house 30 you give?

In 24/Mai/2010 - Joab 05:58 wrote:
Then I use the F2B and am very good, but never I used pagseguro and nor the digital payment therefore I cannot speak of them, I only know q use F2B and I do not have of the q to complain I am happy for existing service as of the F2B, pq direct for the banks the given services are very expensive. Congratulations for the topic and valley also uses the F2B imposes a fine on ate+ to all…

In 04/Mai/2010 - 21:15 Brazil João wrote:
to the 45 of second time I gave up to make my account pagseguro, already he had placed he ties cod of verification, and was reading the contract stops later giving \ \ \ \ \ \ \ “ok \ \ \ \ \ \ \”, but after this I go to envestigar more on this service! wlew for the tip!

In 25/Abr/2010 - 17:03 joel wrote:
let us be frank is equal windows x linux and you vary other things, if for example pagseguro has 1000 users and unsatisfied 10% for some point this are 100 people speaking badly if the digital payment has 300 users and unsatisfied 10% are only 30 people speaking badly, all service have the good side and bad side, only informen very reads the contents of the proper sites binds and etc before if registering in cadastre to happen something that did not foresee and to be speaking badly, I am not pro pagseguro I am only infuriated therefore is a truth…

In 17/Fev/2010 - Ezequiel 16:02 wrote:
I tried for diverse times to migrar my enterprise personal account for using with my virtual store, and I did not have success with pagseguro, the attendance saw ticket seems a mechanical return, not aid in nothing, and the attendance for telephone pparently aid, but I sent the email with necessary documents and nothing it was provided in 15 days. I decided to give up, nowadays use the digital payment and has left me satisfied, although the taxes to be high, still thus I prefer to vender with the digital payment, already I tried direct affiliation with redecard, but he is very burrocratico, diverse times I had the refused affiliation.

In 12/Fev/2010 - 15:25 Vladimir Angheben wrote:
Before using the PagSeguro, it consults the site Reclame Here. It has much people discontents!

In 05/Fev/2010 - 20:56 Anchor 7 Ltda wrote:
Digital payment, comes mutio good. They take care of quickly. The Safe Pag a garbage! The UOL all to say the truth. They had counted in them, we place a value against the account to divulge in shopping and the applied value would be given another one as it rewards… that nothing, never it came. They delay to answer. We have that to admit, Digital Payment very better. Already the F2 we do not know.

In 04/Jan/2010 - 12:47 Jose to almir wrote:
I am infuriated with pag safe, therefore I am waiting my purchase more than the 15 days that so far did not arrive and this company does not order nor the news to me of the same one.

In 16/Dez/2009 - Renê 13:49 Garden wrote:
This PagSeguro is very weak. I did not find so far as to cancel a transaction made for a customer.

In 22/Nov/2009 - 07:40 edson viana pear tree wrote:
It would like to leave my indignation with the Pagseguro company who blocked my account makes 2 months and not of the one satisfaction, exactly after diverse emails and requests. That is, I was wronged for this sv authoritarian, that it modifies the rules its bel pleasure, without consulting its interested greaters: the customers.

In 23/Out/2009 - Lubania 00:56 Saints wrote:
it would like to know because the purchase did not arrive that I made in day 18.09.2009, book As To earn in the Animal, the confirmation of the paamento arrived and until today day 21.10.2009, it would like to know with me to proceed

In 06/Out/2009 - 00:45 Robert Camargo wrote:
Work looks at with three much time, and F2B earns of far from these others two \ “PagSeguro \” (garbage) and \ “Payment Digital \” (reasonable) F2B has resources and more resources, beyond what its money is not restrained days and more days, taxes are lesser, are penalty that in this country, as always the people alone believe \ “Coca-Cola \” that is, who are in the media 24 hours, 365 days per year.

In 19/Set/2009 - Thais 14:37 wrote:
Very legal but it would like to stand out that the irnformação on billets does not proceed: the Digital Payment snake only the 2,89% tariff while the PagSeguro charges $1 + the tariff of 2,9%… beyond + 0,40 for transaction! Another thing: pq is clearly q in the billet does not come the name of the salesman the billet is of the Digital Payment/PagSeguro, and not of the salesman. Who has contract with the bank is the intermediadora company. Another one, the customers deme if to register in cadastre ois so that the intermediação is made with security, is necessary that storekeepers and purchasers have one register in cadastre and the same needs to be activated so that the purchaser can have access its account and visualize the status of its transaction.

In 29/Jul/2009 - 05:39 Marcio Seabra wrote:
Expensive William, to these heights you already must have noticed, but only for ends of clarification to other readers, the Digital Payment you possess YES the option of cancellation of the Collection, in entando, this option alone you are set free, obviously, the Salesmen or companies. Normal users (buying) logically cannot cancel a collection! It is a question of Security guard and also of guarantee for the salesman! Super abraços and CONGRATULATIONS FOR the ARTICLE!

In 04/Mai/2009 - 11:31 Alexander wrote:
Vocês already had made the comparison with the system of the Gerencianet? I am using this system and would like to see a comparison technique with the other available ones in the market.

In 27/Jan/2009 - Cleiton 23:33 wrote:
It would like to confirm if really the taxes charged for payment of small values in the Digital Payment are well lesser of what in the Pagseguro

In 18/Nov/2008 - 21:42 Creation of sites wrote:
I very liked this its analysis… would go to lose days testing case the case… was valid for the tip

In 27/Out/2008 - Nicolas 10:53 wrote:
I use the digital payment and am very good! I prefer much more it of what pagseguro that he only gave migraine to me

In 10/Set/2008 - 02:10 Ezequiel Polastrelli wrote:
Very good its commentary on the 3. I am registering in cadastre in the site Digital Payment and also I was half with the foot behind. But good for knowing that the site is trustworthy. This order of document sending is made only for salesmen or purchasers also? Abraços.

In 12/Ago/2008 - 13:06 William Knak - VExtenso wrote:
My account of the PagementoDigital was set free for Salesman and would like to inform that plus a legal resource it is option to configure the parcelamento forms so that its customers can parcel out without interests, the expenditures of the interests are deducted of the salesman. In the option of tools you choose until how many times the parcelamento will be given without interests.