At Zru, we've designed our platform with a clear goal: to simplify and optimize payment management for any digital business. We understand that payments are not just an operational matter—they're a critical component of user experience, conversion, and growth.

That's why we enable the centralization of all payment methods a business might need in one place, from card processors to alternative methods like PayPal, BNPL, or payment initiation. This unification not only reduces technical complexity but also provides finance, payment, and operations teams the flexibility to adapt their payment strategy to each market or customer profile.

In this vein, we continue to expand our ecosystem of connections so that businesses can offer more comprehensive and tailored payment experiences to their customers.

seQura, a leading provider of flexible payment technologies, is now available on Zru.

Thanks to this collaboration, businesses operating with Zru can offer seQura as a payment method in just a few minutes, without additional development, as it activates directly from the Zru dashboard.

A payment experience tailored to today's consumer

Checkout remains one of the most sensitive points in any online store. It's where, in seconds, a purchase is either completed or abandoned. Even if the user has arrived convinced, any friction—such as lack of trust, limited options, or a slow process—can prevent completion.

Therefore, offering payment methods that align with current consumer expectations is key. Solutions like installment payments or BNPL (Buy Now, Pay Later) provide flexibility, instill confidence in the customer, and reduce the effort of a complicated payment process.

Activating seQura from Zru allows businesses to:

• Reduce cart abandonment: by removing barriers at the most critical point of the funnel.

• Increase average order value: by giving customers the leeway to handle larger amounts without immediate impact.

• Improve conversion without assuming default risk: the business is paid upfront, and seQura assumes the risk.

• Offer a more comfortable and flexible shopping experience: aligned with what many consumers already expect.

And the best part: all of this is managed from the same Zru dashboard, without adding complexity to operations or fragmenting payment control.

What does seQura offer?

seQura's products adapt to different customer profiles and sectors, allowing businesses to offer flexible payment solutions at every stage of the purchase process. From everyday products to high-value items, the options adjust to each person's needs.

Businesses can activate options such as:

• Split into 3, 6, 9, or 12 installments: Flexible financing with immediate approval and no need to provide documentation. It's very straightforward for the buyer, facilitating the purchase decision at checkout.

• Pay after receiving the order: Allows the buyer to receive the product and pay up to 7 days later (BNPL). This option provides confidence to those who prefer to verify before paying.

• Financing up to 24 months: Ideal for higher-value purchases, with personalized installments. Especially useful in sectors like education, electronics, or furniture.

• Immediate payment with the option to split later: Designed for those who decide how to pay once the purchase is completed, without having to commit in advance.

How does checkout with seQura work?

Activating seQura is straightforward both technically and for the buyer. During the payment process, the customer can select seQura as the payment method. From there, the flow is quick, simple, and uninterrupted.

1. Choose seQura at Checkout
   It appears alongside other payment methods. The customer selects it and proceeds.
   
   

2. Select the Payment Option
   Depending on what the business has previously configured, the customer can choose between paying in installments, paying after receiving the order, or accessing long-term financing.
   
   

3. Automatic Validation
   In a few seconds, seQura validates the operation. No documentation is requested, and there are no lengthy forms, further enhancing the shopping experience and eliminating any friction that could hinder the sale.
   
   

4. Order Confirmation
   The customer completes the purchase. The business receives the full payment upfront, without assuming the risk of default.

This process is fully integrated into the checkout environment and does not require redirects or additional steps.

Why does integrating installment payments improve conversion?

Offering flexible payment options is not just about convenience for the buyer; it's a strategic decision that directly impacts conversion, order value, and brand perception.

Today, 60% of consumers in Spain have used BNPL at least once, and its use is especially prevalent among younger profiles, repeat buyers, and mobile users. This makes installment payments an increasing expectation in many sectors.

Businesses that incorporate such solutions, especially when offering multiple options (like 3-installment payments, long-term financing, or BNPL), can see conversion increases of up to 65%. They reduce abandonment at checkout and also attract a buyer profile that might otherwise have been deterred by price or distrust.

Moreover, the impact on ticket value is significant: the average financed ticket is 84% higher than the standard online ticket. It's not just about facilitating the purchase but enabling larger purchases without compromising user experience or increasing risk for the business, as payment is guaranteed.

In summary, installment payments allow for improved conversion without increasing complexity or risk for the business.

Centralized management with more payment options

The integration with seQura is designed to simplify your payment management. If you're already using Zru and have a seQura account, you can activate this payment method directly from your dashboard, without additional steps.

Once activated, seQura will become part of your checkout environment alongside the other methods you have configured. From there, you can adjust rules, define conditions, and start offering flexible financing in your online sales.

If you need help getting started or have questions, just reach out — we’ll be glad to assist.