{"id":6890,"date":"2026-04-20T14:48:18","date_gmt":"2026-04-20T12:48:18","guid":{"rendered":"https:\/\/www.biznisa.com\/?p=6890"},"modified":"2026-04-20T14:48:18","modified_gmt":"2026-04-20T12:48:18","slug":"splatky-se-stavaji-soucasti-platebni-infrastruktury-co-to-muze-znamenat-pro-e-shopy-a-checkout","status":"publish","type":"post","link":"https:\/\/www.biznisa.com\/en\/splatky-se-stavaji-soucasti-platebni-infrastruktury-co-to-muze-znamenat-pro-e-shopy-a-checkout\/","title":{"rendered":"Spl\u00e1tky se st\u00e1vaj\u00ed sou\u010d\u00e1st\u00ed platebn\u00ed infrastruktury. Co to m\u016f\u017ee znamenat pro v\u00e1\u0161 eshop?"},"content":{"rendered":"<p>Trh odlo\u017een\u00fdch plateb a spl\u00e1tkov\u00fdch model\u016f se prom\u011b\u0148uje. D\u0159\u00edve \u0161lo hlavn\u011b o dopl\u0148kovou volbu zobrazenou na konci n\u00e1kupn\u00edho procesu. Nov\u011b se ale podle specializovan\u00fdch zahrani\u010dn\u00edch zdroj\u016f \u010d\u00e1st t\u00e9to logiky p\u0159esouv\u00e1 bl\u00ed\u017e k samotn\u00e9 platebn\u00ed infrastruktu\u0159e.<\/p>\n<p>Fakta ze zdroje PYMNTS \u0159\u00edkaj\u00ed, \u017ee poskytovatel\u00e9 a platformy jako Stripe, Klarna, Affirm nebo Cash App (v \u010cesku Twisto, PlatimPak a dal\u0161\u00ed) posouvaj\u00ed pr\u00e1ci s financov\u00e1n\u00edm do vrstvy token\u016f, identity a platebn\u00ed orchestrace. Jin\u00fdmi slovy: mo\u017enost zaplatit pozd\u011bji nebo ve spl\u00e1tk\u00e1ch nemus\u00ed b\u00fdt do budoucna jen samostatn\u00e1 volba, ale sou\u010d\u00e1st \u0161ir\u0161\u00edho platebn\u00edho ekosyst\u00e9mu, kter\u00fd z\u00e1kazn\u00edka \u201ezn\u00e1\u201c nap\u0159\u00ed\u010d prost\u0159ed\u00edmi.<\/p>\n<p>Zdroj z\u00e1rove\u0148 uv\u00e1d\u00ed, \u017ee spot\u0159ebitel\u00e9 pou\u017e\u00edvaj\u00ed r\u016fzn\u00e9 \u00fav\u011brov\u00e9 n\u00e1stroje r\u016fzn\u00fdm zp\u016fsobem. Spl\u00e1tkov\u00e9 pl\u00e1ny na kart\u00e1ch podle citovan\u00fdch dat vyu\u017eilo 31 % spot\u0159ebitel\u016f, zat\u00edmco BNPL 12 %. V\u00fdznam t\u011bchto \u010d\u00edsel nen\u00ed v tom, \u017ee jeden model \u201evyhr\u00e1v\u00e1\u201c, ale \u017ee z\u00e1kazn\u00edci rozli\u0161uj\u00ed, kdy cht\u011bj\u00ed rychlou dostupnost financov\u00e1n\u00ed a kdy strukturovan\u011bj\u0161\u00ed spr\u00e1vu v\u00fddaj\u016f.<\/p>\n<p>Pokud se financov\u00e1n\u00ed p\u0159esouv\u00e1 bl\u00ed\u017e k infrastruktu\u0159e platby, poroste v\u00fdznam poskytovatel\u016f, kte\u0159\u00ed um\u00ed kombinovat online platbu, tokenizaci, identitu z\u00e1kazn\u00edka a nab\u00eddku platebn\u00edch metod. Pro e-shop to m\u016f\u017ee znamenat v\u011bt\u0161\u00ed z\u00e1vislost na platform\u011b, ale tak\u00e9 rychlej\u0161\u00ed nasazen\u00ed nov\u00fdch sc\u00e9n\u00e1\u0159\u016f bez slo\u017eit\u00e9 integrace v\u00edce samostatn\u00fdch n\u00e1stroj\u016f.<\/p>\n<p>Pro firmy, kter\u00e9 \u0159e\u0161\u00ed v\u00fdkon n\u00e1kupn\u00edho procesu, d\u00e1v\u00e1 tento trend jednu praktickou lekci: nesledovat jen cenu platebn\u00ed br\u00e1ny, ale i to, jak \u0161irok\u00fd ekosyst\u00e9m platebn\u00edch metod, tokenizace a dopl\u0148kov\u00fdch produkt\u016f je poskytovatel schopn\u00fd nab\u00eddnout v horizontu p\u0159\u00ed\u0161t\u00edch let.<\/p>\n<hr \/>\n<p><strong>Co je BNPL?<\/strong><\/p>\n<p><span data-subtree=\"aimfl,mfl\" data-processed=\"true\"><span class=\"N9Q8Lc\">BNPL (Buy Now, Pay Later \u2013 \u201ekup te\u010f, zapla\u0165 pozd\u011bji\u201c) je modern\u00ed platebn\u00ed metoda umo\u017e\u0148uj\u00edc\u00ed odlo\u017eit platbu za zbo\u017e\u00ed \u010di slu\u017eby<\/span><\/span><span class=\"N9Q8Lc\">. Z\u00e1kazn\u00edk zbo\u017e\u00ed obdr\u017e\u00ed hned, ale zaplat\u00ed jej a\u017e za 14\u201330 dn\u00ed nebo si \u010d\u00e1stku rozd\u011bl\u00ed do n\u011bkolika spl\u00e1tek, \u010dasto bez\u00faro\u010dn\u011b. V \u010cesku tuto metodu poskytuj\u00ed slu\u017eby jako Skip Pay, Twisto nebo PlatimPak<\/span><span class=\"N9Q8Lc\">.<\/span><span class=\"uJ19be notranslate\" data-sfc-root=\"c\" data-wiz-uids=\"msECse_p,msECse_q\" data-sfc-cb=\"\" data-processed=\"true\"><span class=\"vKEkVd\" data-animation-atomic=\"\" data-wiz-attrbind=\"class=msECse_o\/TKHnVd\" data-processed=\"true\"><span aria-hidden=\"true\" data-processed=\"true\">\u00a0<\/span><\/span><\/span><\/p>\n<hr \/>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Podle \u010dl\u00e1nku PYMNTS se model \u201epay later\u201c postupn\u011b neposouv\u00e1 jen v r\u00e1mci checkoutu, ale hloub\u011bji do platebn\u00ed infrastruktury, token\u016f a platforem, kter\u00e9 rozhoduj\u00ed, kdy a jak se nab\u00eddka financov\u00e1n\u00ed z\u00e1kazn\u00edkovi zobraz\u00ed. Pro e-commerce to m\u016f\u017ee znamenat dal\u0161\u00ed zm\u011bnu v tom, kdo kontroluje z\u00e1kaznickou zku\u0161enost i obchodn\u00ed konverzi.<\/p>","protected":false},"author":45,"featured_media":7393,"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":"","inline_featured_image":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[53],"tags":[90,89],"class_list":["post-6890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bnpl","tag-splatky"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Podle \u010dl\u00e1nku PYMNTS se model \u201epay later\u201c postupn\u011b neposouv\u00e1 jen v r\u00e1mci checkoutu, ale hloub\u011bji do platebn\u00ed infrastruktury, token\u016f a platforem, kter\u00e9 rozhoduj\u00ed, kdy a jak se nab\u00eddka financov\u00e1n\u00ed z\u00e1kazn\u00edkovi zobraz\u00ed. 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