{"id":6108,"date":"2020-02-26T12:46:55","date_gmt":"2020-02-26T11:46:55","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=6108"},"modified":"2025-06-24T15:19:04","modified_gmt":"2025-06-24T13:19:04","slug":"co-ceka-online-platby-v-roce-2020","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/co-ceka-online-platby-v-roce-2020\/","title":{"rendered":"Co \u010dek\u00e1 online platby v roce 2020?"},"content":{"rendered":"\n

V posledn\u00edm \u010dl\u00e1nku jsme psali o tom, co \u010dek\u00e1 \u010deskou e-commerce v roce 2020<\/a>.<\/p>\n\n\n\n

Te\u010f p\u0159in\u00e1\u0161\u00edme zamy\u0161len\u00ed nad t\u00edm, co se letos odehraje na \u010desk\u00e9m trhu online platebn\u00edch metod.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n

Mobiln\u00ed platby srovnaj\u00ed krok s platbami z po\u010d\u00edta\u010d\u016f<\/h2>\n\n\n\n

\u201cZa drah\u00e1 mobiln\u00ed data si mohou \u010ce\u0161i sami,\u201d prohl\u00e1sila loni v \u00fanoru Marta Nov\u00e1kov\u00e1 a za p\u00e1r dn\u00ed na to vyklidila k\u0159eslo ministryn\u011b pr\u016fmyslu a obchodu.<\/p>\n\n\n\n

Hypot\u00e9za, \u017ee mobiln\u00ed data jsou v \u010cesku dra\u017e\u0161\u00ed ne\u017e jinde v Evrop\u011b, proto\u017ee je lid\u00e9 m\u00e1lo pou\u017e\u00edvaj\u00ed, byla p\u0159inejmen\u0161\u00edm ne\u010dekan\u00e1.<\/p>\n\n\n\n

Jist\u00e9 rozhodn\u011b je, \u017ee chytr\u00e9 telefony \u010ce\u0161i pou\u017e\u00edvaj\u00ed k nakupov\u00e1n\u00ed i placen\u00ed online st\u00e1le v\u00edce, a to bez ohledu na p\u0159ipojen\u00ed p\u0159es wifi nebo mobiln\u00ed data.<\/p>\n\n\n\n

Je\u0161t\u011b v roce 2017 tvo\u0159ily platby ze stoln\u00edch po\u010d\u00edta\u010d\u016f 72 % v\u0161ech plateb na GoPay platebn\u00ed br\u00e1n\u011b.<\/p>\n\n\n\n

O rok pozd\u011bji u\u017e na mobilech prob\u011bhlo 34 % plateb a v roce 2019 prob\u011bhlo 44 % v\u0161ech plateb p\u0159es GoPay na mobilech.<\/p>\n\n\n\n

Ani prvn\u00ed \u010d\u00edsla roku 2020 nenazna\u010duj\u00ed zpomalen\u00ed. \u010cek\u00e1me proto, \u017ee v roce 2020 se pom\u011br plateb mobil vs desktop \u00fapln\u011b vyrovn\u00e1.<\/p>\n\n\n\n

V GoPay jdeme tomuto trendu naproti. V pr\u016fb\u011bhu b\u0159ezna spust\u00edme nov\u00e9 mobiln\u00ed rozhran\u00ed platebn\u00ed br\u00e1ny pro placen\u00ed na mobiln\u00edch za\u0159\u00edzen\u00edch.<\/p>\n\n\n\n

Opatrn\u00fd n\u00e1stup PSD2 plateb<\/strong><\/h2>\n\n\n\n

Sly\u0161eli jste u\u017e o PSD2? Jestli ne, p\u0159e\u010dt\u011bte si \u010dl\u00e1nky Jak PSD2 zm\u011bn\u00ed \u010deskou e-commerce<\/a> nebo Pro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb<\/a>.<\/p>\n\n\n\n

Ve zkratce – PSD2 je evropsk\u00e1 regulace, kter\u00e1 na\u0159izuje bank\u00e1m, aby p\u0159es sv\u00e1 API umo\u017enily licencovan\u00fdm firm\u00e1m \u010d\u00edst informace o bankovn\u00edch \u00fa\u010dtech, nebo je rovnou ovl\u00e1dat. Samoz\u0159ejm\u011b se souhlasem klienta, na jeho\u017e \u00fa\u010det se bude p\u0159istupovat.<\/p>\n\n\n\n

P\u0159esto\u017ee banky m\u011bly sv\u00e1 API odhalit loni v z\u00e1\u0159\u00ed (Jejich seznam a stav pr\u016fb\u011b\u017en\u011b monitoruje APIport\u00e1l<\/a>), jejich produktov\u00e1 vyu\u017eit\u00ed pro placen\u00ed na internetu se za\u010d\u00ednaj\u00ed teprve objevovat.<\/p>\n\n\n\n

Sv\u00e1 \u0159e\u0161en\u00ed Platba z \u00fa\u010dtu<\/a>, kter\u00e9 je dostupn\u00e9 i na platebn\u00ed br\u00e1n\u011b Global Payments, p\u0159edstavila \u010cesk\u00e1 spo\u0159itelna. Pohled na platby s vyu\u017eit\u00edm PSD2 p\u0159ipravila i Komer\u010dn\u00ed banka v projektu Zaplaceno<\/a>.<\/p>\n\n\n\n

O masov\u00e9m roz\u0161\u00ed\u0159en\u00ed  t\u011bchto nov\u00fdch metod, nebo o tom, \u017ee by v nejbli\u017e\u0161\u00edch m\u011bs\u00edc\u00edch za\u010daly v\u00fdznamn\u011bji konkurovat platebn\u00edm kart\u00e1m nebo online bankovn\u00edm tla\u010d\u00edtk\u016fm, zat\u00edm nem\u016f\u017ee b\u00fdt \u0159e\u010d<\/a>.<\/p>\n\n\n\n

Krom\u011b obvykl\u00fdch porodn\u00edch bolest\u00ed, jako je neznalost nebo ned\u016fv\u011bra u\u017eivatel\u016f v nezn\u00e1m\u00e9, je nutn\u00e9 rozlousknout o\u0159\u00ed\u0161ek vetknut\u00fd do samotn\u00e9 podstaty PSD2. <\/p>\n\n\n\n

Platebn\u00ed flow p\u0159es PSD2 toti\u017e mus\u00ed spl\u0148ovat bezpe\u010dnostn\u00ed po\u017eadavky v podob\u011b siln\u00e9 autentizace<\/a>. To je sice v z\u00e1jmu v\u0161ech z\u00fa\u010dastn\u011bn\u00fdch stran, nicm\u00e9n\u011b jednoduchost platby a u\u017eivatelsk\u00fd z\u00e1\u017eitek z placen\u00ed to zna\u010dn\u011b limituje.<\/p>\n\n\n\n

V GoPay ka\u017edop\u00e1dn\u011b nechceme n\u00e1stup PSD2 podcenit. Je\u0161t\u011b letos vyu\u017eijeme z\u00edskan\u00e9 licence \u010cNB<\/a> a p\u0159edstav\u00edme vlastn\u00ed pojet\u00ed PSD2 plateb na GoPay platebn\u00ed br\u00e1n\u011b.<\/p>\n\n\n\n

Siln\u00e9 ov\u011b\u0159en\u00ed plateb do online placen\u00ed zat\u00edm siln\u011b nezas\u00e1hne<\/strong><\/h2>\n\n\n\n

Siln\u00e9 ov\u011b\u0159en\u00ed (tzv. SCA) se net\u00fdk\u00e1 jen PSD2 plateb. Jeho po\u017eadavky mus\u00ed naplnit v\u0161echny online platebn\u00ed metody v\u010detn\u011b nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed online platby kartou.<\/p>\n\n\n\n

A pr\u00e1v\u011b kolem platby kartou a povinnost\u00ed SCA panovala loni v z\u00e1\u0159\u00ed, kdy m\u011blo SCA za\u010d\u00edt platit, velk\u00e1 nejistota.<\/p>\n\n\n\n

Mlha se vzn\u00e1\u0161ela hlavn\u011b nad t\u00edm, jak budou potvrzovat platby kartou lid\u00e9 bez chytr\u00e9ho telefonu, ani\u017e by bylo nutn\u00e9 zeslo\u017eitit sou\u010dasn\u00fd proces ov\u011b\u0159en\u00ed p\u0159es SMS. <\/p>\n\n\n\n

E-shopy se ob\u00e1valy sn\u00ed\u017een\u00ed konverze, banky (nejen \u010desk\u00e9) zase dopad\u016f regul\u00e1tora v p\u0159\u00edpad\u011b, \u017ee se nesta\u010d\u00ed na SCA p\u0159ipravit. <\/p>\n\n\n\n

V GoPay jsme byli na platby kartou v re\u017eimu SCA od 14. z\u00e1\u0159\u00ed 2019 p\u0159ipraveni. V \u010cesku ale nebyla jedin\u00e1 banka, kter\u00e1 v t\u00e9 dob\u011b dok\u00e1zala platby kartou v re\u017eimu SCA ov\u011b\u0159ovat.<\/p>\n\n\n\n

Nejhor\u0161\u00ed sc\u00e9n\u00e1\u0159e se na\u0161t\u011bst\u00ed nenaplnily. Evropsk\u00e1 komise vysly\u0161ela vol\u00e1n\u00ed cel\u00e9ho evropsk\u00e9ho bankovn\u00edho trhu a rozumn\u011b zavedla nov\u00fd term\u00edn, do kdy mus\u00ed banky SCA na platby platebn\u00edmi kartami nasadit. Jde o 31. prosinec 2020.<\/p>\n\n\n\n

V pr\u016fb\u011bhu leto\u0161n\u00edho roku tak s t\u00edm, jak banky budou uvol\u0148ovat sv\u00e1 technick\u00e1 \u0159e\u0161en\u00ed pro SCA, za\u010dneme pozorovat nov\u00e9 ov\u011b\u0159ovac\u00ed platebn\u00ed sc\u00e9n\u00e1\u0159e pro platbu kartou.<\/p>\n\n\n\n

O\u010dek\u00e1v\u00e1me, \u017ee n\u00e1stup nov\u00fdch ov\u011b\u0159ovac\u00edch sc\u00e9n\u00e1\u0159\u016f bude velmi pozvoln\u00fd. Rozhodn\u011b nep\u016fjde o platebn\u00ed revoluci.<\/p>\n\n\n\n

Apple Pay zaz\u00e1\u0159\u00ed i v e-commerce<\/strong><\/h2>\n\n\n\n

Loni v \u00fanoru vstoupilo na \u010desk\u00fd trh a za 12 m\u011bs\u00edc\u016f z\u00edskalo Apple Pay v \u010cesku podle \u00fadaj\u016f Czechcrunch<\/a> p\u0159es 660 tis\u00edc u\u017eivatel\u016f (Google Pay, kter\u00fd je na trhu o rok d\u00e9le, pou\u017e\u00edv\u00e1 podle Czechcruch 370 tis\u00edc u\u017eivatel\u016f).<\/p>\n\n\n\n

Hlad po bezkontaktn\u00edm placen\u00ed kartou ulo\u017eenou v Apple za\u0159\u00edzen\u00edch je u \u010desk\u00fdch jabl\u00ed\u010dk\u00e1\u0159\u016f obrovsk\u00fd. <\/p>\n\n\n\n

A do velk\u00e9 m\u00edry je i odpov\u011bd\u00ed na to, pro\u010d Apple Pay nab\u00edz\u00ed v\u011bt\u0161ina \u010desk\u00fdch bank, by\u0165 z ka\u017ed\u00e9 transakce mus\u00ed Applu odv\u00e1d\u011bt nemal\u00fd poplatek nav\u00edc.<\/p>\n\n\n\n

P\u0159esn\u00e1 \u010d\u00edsla o objemu plateb p\u0159es Apple Pay zat\u00edm nem\u00e1me. Stejn\u011b tak m\u016f\u017eeme sp\u00ed\u0161 odhadovat, \u017ee v\u011bt\u0161\u00ed \u010d\u00e1st z celkov\u00e9ho objemu bylo prop\u00edp\u00e1no na termin\u00e1lech a ne v e-shopech.<\/p>\n\n\n\n

P\u0159esto\u017ee n\u011bkter\u00e9 e-shopy v\u010detn\u011b nap\u0159\u00edklad Alza.cz u\u017e te\u010f Apple Pay podporuj\u00ed, masov\u011bj\u0161\u00ed vyu\u017eit\u00ed Apple Pay v e-commerce teprve p\u0159ijde s t\u00edm, jak slu\u017ebu za\u010dnou nab\u00edzet platebn\u00ed poskytovatel\u00e9 jako GoPay, jejich\u017e slu\u017eby vyu\u017e\u00edv\u00e1 po\u010detn\u00fd kmen men\u0161\u00edch a st\u0159edn\u011b velk\u00fdch e-shop\u016f.<\/p>\n\n\n\n

V GoPay pl\u00e1nujeme plo\u0161n\u00e9 spu\u0161t\u011bn\u00ed Apple Pay na p\u0159elomu jara a l\u00e9ta leto\u0161n\u00edho roku. V p\u0159edv\u00e1no\u010dn\u00ed n\u00e1kupn\u00ed sez\u00f3n\u011b se tak s\u00edla Apple Pay v e-commerce uk\u00e1\u017ee naplno.<\/p>\n\n\n\n

P\u0159ed\u010d\u00ed platba kartou dob\u00edrku?<\/strong><\/h2>\n\n\n\n

Mo\u017en\u00e1 poprv\u00e9 ve v\u011b\u010dn\u00e9m souboji dob\u00edrka versus platba kartou zv\u00edt\u011bz\u00ed karta. Podle \u00fadaj\u016f Heureka.cz <\/a>loni dob\u00edrka zajistila 30 % plateb, platba p\u0159i p\u0159evzet\u00ed dal\u0161\u00edch 30 % a platby kartou ukrojily 25% kol\u00e1\u010d.<\/p>\n\n\n\n

Podle pr\u016fzkumu GLS z lo\u0148sk\u00e9ho l\u00e9ta<\/a> dokonce platba kartou zaji\u0161\u0165uje ji\u017e 40 % plateb, zat\u00edmco dob\u00edrka jen 21 %. <\/p>\n\n\n\n

Pokud u\u017e se tak nestalo, je velmi pravd\u011bpodobn\u00e9, \u017ee i Heureka bude p\u0159\u00ed\u0161t\u00ed rok reportovat, \u017ee platba kartou dohnala dob\u00edrku s platbou p\u0159i p\u0159evzet\u00ed.<\/p>\n\n\n\n

Nakonec nen\u00ed d\u016fle\u017eit\u00fd v\u00edt\u011bz, ale preference u\u017eivatel\u016f. A ty maj\u00ed lid\u00e9 mezi 18 a 35 lety, tedy budouc\u00ed nejpo\u010detn\u011bj\u0161\u00ed pl\u00e1tci, jasn\u00e9 – p\u0159es 50 z nich preferuje platbu kartou<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"

V posledn\u00edm \u010dl\u00e1nku jsme psali o tom, co \u010dek\u00e1 \u010deskou e-commerce v roce 2020. Te\u010f p\u0159in\u00e1\u0161\u00edme zamy\u0161len\u00ed nad t\u00edm, co se letos odehraje na \u010desk\u00e9m trhu online platebn\u00edch metod.<\/p>\n","protected":false},"author":8,"featured_media":6347,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[25,26],"coauthors":[13],"class_list":["post-6108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-commerce-online-podnikani","tag-online-platby","tag-trendy"],"acf":[],"yoast_head":"\nCo \u010dek\u00e1 online platby v roce 2020? | GoPay blog<\/title>\n<meta name=\"description\" content=\"Online platby, Apple Pay, PSD2, dob\u00edrka, SCA. 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