{"id":8480,"date":"2026-05-22T09:30:08","date_gmt":"2026-05-22T07:30:08","guid":{"rendered":"https:\/\/www.biznisa.com\/?p=8480"},"modified":"2026-05-22T10:05:11","modified_gmt":"2026-05-22T08:05:11","slug":"twisto-rozsiruje-bnpl-premiova-moda-kosmetika","status":"publish","type":"post","link":"https:\/\/www.biznisa.com\/en\/twisto-rozsiruje-bnpl-premiova-moda-kosmetika\/","title":{"rendered":"Twisto roz\u0161i\u0159uje s\u00ed\u0165 partner\u016f: odlo\u017een\u00e9 platby m\u00ed\u0159\u00ed do pr\u00e9miov\u00e9 m\u00f3dy i kosmetiky"},"content":{"rendered":"

Fintech Twisto v posledn\u00edch t\u00fddnech roz\u0161\u00ed\u0159il s\u00ed\u0165 partnersk\u00fdch e-shop\u016f a jeho odlo\u017een\u00e9 platby se nov\u011b objevuj\u00ed v segmentech, kde je\u0161t\u011b ned\u00e1vno BNPL (buy now, pay later) chyb\u011bl. Mezi nov\u00e9 partnery pat\u0159\u00ed podle MediaGuru e-shopy Vermont.cz, Gant.cz, Muziker.cz, Gutta.cz, ParizskeParfemy.cz nebo Nutsman.cz \u2014 tedy pr\u00e9miov\u00e1 m\u00f3da, kosmetika, parf\u00e9my, hudebn\u00ed n\u00e1stroje a gastro speciality. \u201eTato partnerstv\u00ed jasn\u011b ukazuj\u00ed, jak se \u010desk\u00fd trh s placen\u00edm vyv\u00edj\u00ed. Odlo\u017een\u00e9 platby u\u017e d\u00e1vno nejsou dom\u00e9nou elektroniky, ale st\u00e1vaj\u00ed se p\u0159irozenou sou\u010d\u00e1st\u00ed n\u00e1kup\u016f nap\u0159\u00ed\u010d kategoriemi,“ uvedla gener\u00e1ln\u00ed \u0159editelka Twista Nemika Menevse.<\/p>\n

Twisto pat\u0159\u00ed v \u010cesku mezi nejzn\u00e1m\u011bj\u0161\u00ed poskytovatele odlo\u017een\u00fdch plateb a posledn\u00edch p\u00e1r let viditeln\u011b m\u011bn\u00ed sv\u00e9 pozicov\u00e1n\u00ed. Z p\u016fvodn\u011b jednoduch\u00e9 funkce \u201eodlo\u017ete si platbu o 30 dn\u00ed“ se postupn\u011b stalo BNPL \u0159e\u0161en\u00ed s mo\u017enost\u00ed spl\u00e1tek, integrac\u00ed do checkout\u016f a partnerstv\u00edmi nap\u0159\u00ed\u010d kategoriemi. Nov\u00e9 portfolio partner\u016f ukazuje, \u017ee Twisto c\u00edl\u00ed na segmenty, kde pr\u016fm\u011brn\u00e1 \u00fatrata na n\u00e1kup je vy\u0161\u0161\u00ed \u2014 pr\u00e9miov\u00e1 m\u00f3da, parf\u00e9my nebo hudebn\u00ed n\u00e1stroje jsou typicky polo\u017eky za n\u011bkolik tis\u00edc a\u017e des\u00edtky tis\u00edc korun, kde odlo\u017een\u00e1 platba m\u011bn\u00ed chov\u00e1n\u00ed z\u00e1kazn\u00edka v\u00fdrazn\u011b v\u00edc ne\u017e u elektroniky za p\u011bt set. Konkurence v BNPL je na \u010desk\u00e9m trhu hned n\u011bkolik: vedle Twista nab\u00edz\u00ed podobnou slu\u017ebu Skip Pay z d\u00edlny \u010cSOB, na pomez\u00ed stoj\u00ed klasick\u00e9 karetn\u00ed br\u00e1ny (Comgate, GoPay, \u010cSOB Payment Gateway, Stripe), kter\u00e9 odlo\u017een\u00e9 platby nab\u00edzej\u00ed jen jako jednu z metod p\u0159es extern\u00ed poskytovatele. Twisto se pokou\u0161\u00ed obsadit prostor mezi nimi \u2014 nab\u00eddnout jak prostou odlo\u017eenou platbu, tak rozd\u011blen\u00ed do spl\u00e1tek, a to jako vlastn\u00ed zna\u010dku, ne jako zprost\u0159edkovan\u00fd produkt. P\u0159ehled platebn\u00edch bran, kter\u00e9 Twisto nab\u00edz\u00ed najdete na na\u0161em webu.<\/p>\n

Pro \u010desk\u00e9ho e-shopa\u0159e je roz\u0161\u00ed\u0159en\u00ed Twista sign\u00e1l, \u017ee BNPL v pr\u00e9miov\u00fdch kategori\u00edch p\u0159est\u00e1v\u00e1 b\u00fdt n\u011b\u010d\u00edm nav\u00edc a st\u00e1v\u00e1 se o\u010dek\u00e1v\u00e1n\u00edm. Kr\u00e1tkodob\u011b: pokud prod\u00e1v\u00e1te zbo\u017e\u00ed v cenovce nad cca 3 000 K\u010d a v ko\u0161\u00edku m\u00e1te opu\u0161t\u011bn\u00ed n\u00e1kupu ve v\u00fd\u0161i p\u0159es 60 %, stoj\u00ed za to ov\u011b\u0159it, zda by mo\u017enost odlo\u017een\u00e9 platby nebo rozd\u011blen\u00ed do spl\u00e1tek tu konverzi nezvedla. St\u0159edn\u011bdob\u011b: integrace BNPL p\u0159es Twisto nebo konkurenci (Skip Pay, p\u0159\u00edpadn\u011b Klarna p\u0159es Stripe) p\u0159id\u00e1v\u00e1 v n\u00e1kupn\u00edm procesu t\u0159et\u00ed volbu vedle karty a p\u0159evodu \u2014 a v segmentech jako m\u00f3da, kde z\u00e1kazn\u00edci objedn\u00e1vaj\u00ed v\u00edce velikost\u00ed najednou, m\u016f\u017ee v\u00fdrazn\u011b zv\u00fd\u0161it pr\u016fm\u011brnou hodnotu objedn\u00e1vky. Dlouhodob\u011b je t\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee provize BNPL b\u00fdvaj\u00ed vy\u0161\u0161\u00ed ne\u017e u b\u011b\u017en\u00e9 karetn\u00ed platby (typicky 2\u20134 % oproti 0,8\u20131,5 % u karty), tak\u017ee ekonomick\u00fd smysl m\u00e1 hlavn\u011b u kategori\u00ed s vy\u0161\u0161\u00edmi mar\u017eemi.<\/p>\n

Co byste si m\u011bli odn\u00e9st<\/h3>\n
    \n
  1. Pokud provozujete e-shop v pr\u00e9miov\u00e9m segmentu (m\u00f3da, kosmetika, hudebn\u00ed n\u00e1stroje, vybaven\u00ed dom\u00e1cnosti), ov\u011b\u0159te si v analytice, kolik ko\u0161\u00edk\u016f opou\u0161t\u00ed kupuj\u00edc\u00ed na kroku platby \u2014 BNPL m\u016f\u017ee b\u00fdt p\u00e1ka pro sn\u00ed\u017een\u00ed tohoto \u010d\u00edsla.<\/li>\n
  2. P\u0159i v\u00fdb\u011bru BNPL poskytovatele neporovn\u00e1vejte jen provizi, ale i UX checkoutu, rychlost schvalov\u00e1n\u00ed a podporu pro vr\u00e1cen\u00ed zbo\u017e\u00ed \u2014 u m\u00f3dy s vysokou m\u00edrou return\u016f je to kl\u00ed\u010dov\u00e9.<\/li>\n
  3. Ne\u017e BNPL integrujete, spo\u010d\u00edtejte si rozd\u00edl mar\u017ee a provize na typick\u00e9m produktu \u2014 u zbo\u017e\u00ed s mar\u017e\u00ed pod 20 % se vy\u0161\u0161\u00ed provize BNPL m\u016f\u017ee \u201esn\u00edst“ celou v\u00fdhodu z lep\u0161\u00ed konverze.<\/li>\n
  4. Zkontrolujte, zda u\u017e nem\u00e1te BNPL dostupn\u00e9 p\u0159es svou st\u00e1vaj\u00edc\u00ed platebn\u00ed br\u00e1nu (Comgate, GoPay, Shoptet Pay) \u2014 n\u011bkdy sta\u010d\u00ed zapnout p\u0159ep\u00edna\u010d, ne integrovat nov\u00e9ho poskytovatele.<\/li>\n<\/ol>\n

    Slovn\u00ed\u010dek pojm\u016f<\/h3>\n
      \n
    • BNPL (Buy Now, Pay Later)<\/strong> \u2014 odlo\u017een\u00e1 platba nebo spl\u00e1tkov\u00fd prodej, kdy z\u00e1kazn\u00edk dostane zbo\u017e\u00ed hned, ale plat\u00ed pozd\u011bji (typicky za 14\u201330 dn\u00ed) nebo ve spl\u00e1tk\u00e1ch.<\/li>\n
    • Twisto<\/strong> \u2014 \u010desk\u00fd fintech, jeden z hlavn\u00edch hr\u00e1\u010d\u016f BNPL na \u010desk\u00e9m trhu.<\/li>\n
    • Checkout<\/strong> \u2014 proces dokon\u010den\u00ed objedn\u00e1vky v e-shopu, typicky obrazovka \u201eshrnut\u00ed objedn\u00e1vky \u2192 platba“.<\/li>\n
    • Provize (MDR \u2014 Merchant Discount Rate)<\/strong> \u2014 procento z transakce, kter\u00e9 si bere poskytovatel platby od obchodn\u00edka.<\/li>\n
    • Konverze<\/strong> \u2014 pod\u00edl n\u00e1v\u0161t\u011bvn\u00edk\u016f, kte\u0159\u00ed n\u00e1kup skute\u010dn\u011b dokon\u010d\u00ed; kl\u00ed\u010dov\u00e1 metrika v e-commerce.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

      Fintech Twisto v posledn\u00edch t\u00fddnech roz\u0161\u00ed\u0159il s\u00ed\u0165 partnersk\u00fdch e-shop\u016f a jeho odlo\u017een\u00e9 platby se nov\u011b objevuj\u00ed v segmentech, kde je\u0161t\u011b ned\u00e1vno BNPL (buy now, pay later) chyb\u011bl. Mezi nov\u00e9 partnery pat\u0159\u00ed podle MediaGuru e-shopy Vermont.cz, Gant.cz, Muziker.cz, Gutta.cz, ParizskeParfemy.cz nebo Nutsman.cz \u2014 tedy pr\u00e9miov\u00e1 m\u00f3da, kosmetika, parf\u00e9my, hudebn\u00ed n\u00e1stroje a gastro speciality. \u201eTato partnerstv\u00ed jasn\u011b […]<\/p>\n","protected":false},"author":45,"featured_media":8534,"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":[90,147,169],"class_list":["post-8480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bnpl","tag-e-commerce","tag-twisto"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.biznisa.com\/wp-content\/uploads\/2026\/05\/biznisa-twisto.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/8480","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=8480"}],"version-history":[{"count":3,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/8480\/revisions"}],"predecessor-version":[{"id":8535,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/posts\/8480\/revisions\/8535"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media\/8534"}],"wp:attachment":[{"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/media?parent=8480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/categories?post=8480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biznisa.com\/en\/wp-json\/wp\/v2\/tags?post=8480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}