{"id":6824,"date":"2026-04-01T14:29:28","date_gmt":"2026-04-01T12:29:28","guid":{"rendered":"https:\/\/www.biznisa.com\/?p=6824"},"modified":"2026-04-01T14:30:29","modified_gmt":"2026-04-01T12:30:29","slug":"platby-kartou-v-cesku-prekonaly-1-bilion-korun-co-to-znamena-pro-podnikatele","status":"publish","type":"post","link":"https:\/\/www.biznisa.com\/en\/platby-kartou-v-cesku-prekonaly-1-bilion-korun-co-to-znamena-pro-podnikatele\/","title":{"rendered":"Platby kartou v \u010cesku p\u0159ekonaly 1 bilion korun. Co to znamen\u00e1 pro podnikatele?"},"content":{"rendered":"

Bezhotovostn\u00ed platby v \u010cesku za\u017e\u00edvaj\u00ed dlouhodob\u00fd r\u016fst a aktu\u00e1ln\u00ed data to jen potvrzuj\u00ed. Podle statistik Sdru\u017een\u00ed pro bankovn\u00ed karty (SBK) p\u0159es\u00e1hl objem transakc\u00ed kartami Visa vydan\u00fdmi v \u010cesk\u00e9 republice hranici jednoho bilionu korun ro\u010dn\u011b. Z\u00e1rove\u0148 roste i samotn\u00fd po\u010det plateb, co\u017e ukazuje na z\u00e1sadn\u00ed zm\u011bnu v chov\u00e1n\u00ed z\u00e1kazn\u00edk\u016f. Platba kartou u\u017e nen\u00ed dopln\u011bk k hotovosti \u2013 stala se standardem, kter\u00fd lid\u00e9 o\u010dek\u00e1vaj\u00ed prakticky v\u0161ude.<\/p>\n

Tento trend je kl\u00ed\u010dov\u00fd pro ka\u017ed\u00e9ho podnikatele, kter\u00fd prod\u00e1v\u00e1 slu\u017eby nebo zbo\u017e\u00ed koncov\u00fdm z\u00e1kazn\u00edk\u016fm. Z\u00e1kazn\u00edci dnes b\u011b\u017en\u011b nos\u00ed minim\u00e1ln\u00ed hotovost a spol\u00e9haj\u00ed na kartu, mobil nebo chytr\u00e9 hodinky. Pokud u v\u00e1s nemohou zaplatit bezhotovostn\u011b, velmi \u010dasto n\u00e1kup jednodu\u0161e neuskute\u010dn\u00ed. Nejde p\u0159itom jen o komfort, ale o re\u00e1ln\u00fd dopad na tr\u017eby, kter\u00fd se v \u00fa\u010detnictv\u00ed obt\u00ed\u017en\u011b dohled\u00e1v\u00e1 \u2013 proto\u017ee ztracen\u00fd z\u00e1kazn\u00edk se v datech neprojev\u00ed.<\/p>\n

Rostouc\u00ed objem plateb kartou nav\u00edc souvis\u00ed i s vy\u0161\u0161\u00ed pr\u016fm\u011brnou \u00fatratou. Z\u00e1kazn\u00edci p\u0159i bezhotovostn\u00ed platb\u011b m\u00e9n\u011b \u0159e\u0161\u00ed drobn\u00e9 \u010d\u00e1stky a \u010dast\u011bji p\u0159id\u00e1vaj\u00ed dal\u0161\u00ed polo\u017eky. Tento efekt je dob\u0159e zn\u00e1m\u00fd z praxe i ze studi\u00ed a pro podnikatele p\u0159edstavuje p\u0159\u00edle\u017eitost, jak zv\u00fd\u0161it obrat bez nutnosti zvy\u0161ovat ceny nebo investovat do slo\u017eit\u00fdch marketingov\u00fdch kampan\u00ed.<\/p>\n

Z pohledu provozu se z\u00e1rove\u0148 m\u011bn\u00ed i n\u00e1roky na samotn\u00e9 platebn\u00ed \u0159e\u0161en\u00ed. Dnes u\u017e nesta\u010d\u00ed \u201en\u011bjak\u00fd termin\u00e1l\u201c. Z\u00e1kazn\u00edci o\u010dek\u00e1vaj\u00ed rychlou, spolehlivou a bezprobl\u00e9movou platbu, ide\u00e1ln\u011b bezkontaktn\u00ed a kompatibiln\u00ed s Apple Pay nebo Google Pay. Jak\u00e9koli zdr\u017een\u00ed nebo komplikace u placen\u00ed mohou negativn\u011b ovlivnit celkov\u00fd dojem ze slu\u017eby, a t\u00edm i pravd\u011bpodobnost, \u017ee se z\u00e1kazn\u00edk vr\u00e1t\u00ed.<\/p>\n

Pro podnikatele to ale neznamen\u00e1 jen nutnost karty p\u0159ij\u00edmat, ale tak\u00e9 vybrat spr\u00e1vn\u00e9 \u0159e\u0161en\u00ed. Na trhu existuje \u0161irok\u00e1 \u0161k\u00e1la mo\u017enost\u00ed \u2013 od klasick\u00fdch platebn\u00edch termin\u00e1l\u016f p\u0159es mobiln\u00ed \u0159e\u0161en\u00ed typu SoftPOS a\u017e po komplexn\u00ed pokladn\u00ed syst\u00e9my a platebn\u00ed br\u00e1ny pro e-commerce. Rozd\u00edly mezi jednotliv\u00fdmi nab\u00eddkami p\u0159itom nejsou jen technick\u00e9, ale p\u0159edev\u0161\u00edm cenov\u00e9. \u0160patn\u011b zvolen\u00fd model m\u016f\u017ee znamenat zbyte\u010dn\u011b vysok\u00e9 poplatky za ka\u017edou transakci nebo nev\u00fdhodn\u00e9 m\u011bs\u00ed\u010dn\u00ed n\u00e1klady.<\/p>\n

Tady v\u00e1m um\u00edme pomoci, sta\u010d\u00ed se pod\u00edvat PULL<\/a>!<\/p>\n

Velmi \u010dastou chybou je v\u00fdb\u011br prvn\u00ed dostupn\u00e9 nab\u00eddky, typicky od banky, u kter\u00e9 m\u00e1 podnikatel \u00fa\u010det. Takov\u00e9 \u0159e\u0161en\u00ed ale nemus\u00ed b\u00fdt zdaleka nejv\u00fdhodn\u011bj\u0161\u00ed. Rozd\u00edly v poplatc\u00edch se mohou v sou\u010dtu vy\u0161plhat na tis\u00edce a\u017e desetitis\u00edce korun ro\u010dn\u011b, zejm\u00e9na u podnik\u016f s vy\u0161\u0161\u00edm obratem. Kl\u00ed\u010dov\u00e9 je proto posuzovat celkov\u00e9 n\u00e1klady, nikoli jen procento z transakce, a zohlednit konkr\u00e9tn\u00ed typ podnik\u00e1n\u00ed \u2013 jin\u00e9 pot\u0159eby m\u00e1 restaurace, jin\u00e9 e-shop a jin\u00e9 nap\u0159\u00edklad poskytovatel slu\u017eeb v ter\u00e9nu.<\/p>\n

R\u016fst bezhotovostn\u00edch plateb v \u010cesku je jednozna\u010dn\u00fd a pravd\u011bpodobn\u011b bude pokra\u010dovat i v dal\u0161\u00edch letech. Pro podnikatele to znamen\u00e1 jedin\u00e9: p\u0159izp\u016fsobit se tomuto v\u00fdvoji nen\u00ed konkuren\u010dn\u00ed v\u00fdhoda, ale nutnost.<\/strong> Ti, kte\u0159\u00ed nab\u00eddnou z\u00e1kazn\u00edk\u016fm rychl\u00e9 a pohodln\u00e9 placen\u00ed, maj\u00ed vy\u0161\u0161\u00ed \u0161anci nejen z\u00edskat nov\u00e9 z\u00e1kazn\u00edky, ale tak\u00e9 zv\u00fd\u0161it hodnotu ka\u017ed\u00e9ho n\u00e1kupu.<\/p>\n

Pokud si nejste jist\u00ed, jak\u00e9 \u0159e\u0161en\u00ed je pro v\u00e1\u0161 podnik nejvhodn\u011bj\u0161\u00ed, d\u00e1v\u00e1 smysl porovnat dostupn\u00e9 mo\u017enosti a vybrat takov\u00e9, kter\u00e9 odpov\u00edd\u00e1 va\u0161emu obratu, segmentu i zp\u016fsobu prodeje. Spr\u00e1vn\u011b nastaven\u00e9 platebn\u00ed \u0159e\u0161en\u00ed toti\u017e nen\u00ed jen technick\u00e1 z\u00e1le\u017eitost, ale d\u016fle\u017eit\u00fd n\u00e1stroj, kter\u00fd p\u0159\u00edmo ovliv\u0148uje va\u0161e tr\u017eby i ziskovost.<\/p>","protected":false},"excerpt":{"rendered":"

Bezhotovostn\u00ed platby v \u010cesku za\u017e\u00edvaj\u00ed dlouhodob\u00fd r\u016fst a aktu\u00e1ln\u00ed data to jen potvrzuj\u00ed. Podle statistik Sdru\u017een\u00ed pro bankovn\u00ed karty (SBK) p\u0159es\u00e1hl objem transakc\u00ed kartami Visa vydan\u00fdmi v \u010cesk\u00e9 republice hranici jednoho bilionu korun ro\u010dn\u011b. Z\u00e1rove\u0148 roste i samotn\u00fd po\u010det plateb, co\u017e ukazuje na z\u00e1sadn\u00ed zm\u011bnu v chov\u00e1n\u00ed z\u00e1kazn\u00edk\u016f. Platba kartou u\u017e nen\u00ed dopln\u011bk k hotovosti […]<\/p>\n","protected":false},"author":45,"featured_media":6847,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[53],"tags":[77,76],"class_list":["post-6824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-akceptace-karet","tag-visa"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.biznisa.com\/wp-content\/uploads\/2026\/03\/biznisa-customer-payment.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/6824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/comments?post=6824"}],"version-history":[{"count":2,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/6824\/revisions"}],"predecessor-version":[{"id":6848,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/6824\/revisions\/6848"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media\/6847"}],"wp:attachment":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media?parent=6824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/categories?post=6824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/tags?post=6824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}