Follow the flow: onboarding, charging and cashout made easier.
Posted by Lucas Pauli & Bruna Calegari at 03/06/2024
Zero friction and zero fraud connecting directly with the Pix.
New tech in payments lets your client pay and onboard in the same step.
Recently our Product and Development team launched a new plugin that reduces consumer time and friction when paying with the Pix. [see here]
Throughout the creation of this unique interface, we considered all steps of customer onboarding, data collection, UX and payout (or cashout). They were treated with equal importance in this construction, to deliver a solution that:
In the next paragraphs we seek to show how a simple feature brings zero risk of fraud - even in high-risk operations such as i-gaming and gambling, which constitute the majority of Trio technology customers. To better understand how it works in practice, you can follow the flows we developed below, which range from onboarding to cashout.
Billing (Pay In)
Charges with Pix offering the best user experience (UX).
In just 4 steps, Pay with App is carried out without leaving the website, which reduces payment time by up to 70% and reduces cart abandonment. The novelty also significantly increases security by establishing a direct connection between banks (payer and recipient) through Open Finance via the Central Bank of Brazil.
Paying with an App is an evolution of Trio Checkout, a tool that allows you to implement receipt via Pix in a simple and end-to-end traceable way. By using this SDK plugged into your website's payment checkout, you will be able to offer your customers both Payment Initiation (Open Banking / Open Finance) and the standard Pix payment process.
It works like this:
1- When going to Payment, the consumer is directed to Trio's exclusive checkout screen; 2- If consumer chooses Open Finance, three more steps connect to the bank's app and complete the purchase, without leaving the seller's website. They would be: a) choose bank; b) accept payment (confirm the Open Finance Terms of Use); c) confirm on the bank app.
User Onboarding
Onboard clients through their bank data: verified and faster.
The customer onboarding flow is recommended when the seller wishes to convert the purchase, but is dealing with a new customer. It is the ideal option for e-commerce or betting websites that don't want to lose the "punch" of the ad by creating many obstacles - for example, asking for a telephone number or zip code to purchase a digital product, as happens when customer is purchasing with a Credit card.
This option will be available whenever you onboard an user, by first offering the payemnt checkout. This way, the customer can pay and only then complete the profiling process by entering data such as Full Address, ZIP Code, Date of Birth, Telephone number, etc.
It works like this:
1- Consumer enters tax number (CPF) and enters the top-up ammount (example when not linked to the product); 2- Consumer is directed to Trio's exclusive checkout screen with 3 options to complete the Pix; 3- If consumer chooses to Pay with App, three more steps connect to the bank's app and complete the purchase, without leaving the seller's website.
Guest Onboarding
Offer payment first, and let Trio's technology provide customer data.
Now get ready, because this is huge.
The guest onboarding flow is recommended when you don't have any customer data but want to convert the purchase or bet while creating a basic profile for your customer. Counting on the Pix closed system's security and traceability, it is possible to cut many steps and still handle a 100% safe purchase.
This option will be available whenever seller wants to onboard an user through payment, but in this option, the customer is not instructed to enter their tax number, or CPF.
It works like this:
1- User chooses the amount to top-up in their new account, which will be created next, getting ready to pay for the product with Pix; 2- User is directed to Trio's exclusive checkout screen; 3- When payment is made, Trio gets payer's data (CPF), delivering it only to the client company; 4- If the consumer chooses to Pay with App, three more steps connect to the bank's app and complete the purchase, without leaving the seller's website.
Payout
A layer of technology to guarantee fraud-free withdrawals.
Specially developed for betting websites and casinos, Trio's Cashout offers unique security mechanisms that add reliability to our clients' brands. The result is a significant improvement in the reputation of these sites, which take an average of 6 seconds to complete the payment with all anti-fraud checks in place.
Find out more about Cashout Trio in this article.
How it works:
1- On the same screen, the player decides the amount he wants to withdraw along with confirming his CPF; 2- Trio works backstage with anti-fraud and double identity confirmation; 3- If everything is ok with the request, the transaction confirmation screen will open to carry out the cashout.
Customization
Your brand, your colors. With the best technology.
Last but not least, a Plus! You can have all flows within your payment checkout with Pix, Whitelabel: have your brand delivering reliable payments with an integration as simple as a plugin. Example:
If your goal is to improve the way your customer pays, from the first contact with the payment checkout to the daily use of this system, you have found the right partner. Talk to our experts and get Trio.
