Payment solutions for merchants: How to choose the best option?   

Today, electronic and contactless payments have become the standard. 84% of Belgians prefer digital payments over cash (source: Bancontact). Yet, selecting the most suitable solution for their business remains a challenge for many merchants. A poor choice can quickly lead to significant costs and hinder business growth.

This is where Axepta BNP Paribas comes in. As a trusted partner, Axepta BNP Paribas offers tailored payment solutions for all types of businesses—from local bakeries to large retail chains. “Payments should be a driver for your business, not a constraint.” — Cédric Lenaerts, CEO of Axepta BNP Paribas.

A complete range of terminals to meet all merchants’ needs

Renting or purchasing a payment terminal remains a suitable solution for physical stores. Axepta BNP Paribas offers various solutions compatible with different payment methods (Bancontact, Visa, Mastercard, meal vouchers, etc.), designed to be durable and robust for intensive use, perfectly adapting to high-activity environments.

To meet the specific needs of professionals, Axepta BNP Paribas has developed a diverse range of payment terminals, from mobile to fixed models. Mobile terminals connected via 4G or Wi-Fi are particularly well-suited for restaurants, whether indoors or on terraces, offering complete flexibility for customer payments. Other versions, more compact, lightweight, and printer-free, have been designed for mobile professions such as artisans or delivery drivers, who require practical and portable equipment.

On the other hand, fixed terminals are exclusively placed on counters in retail stores. For points of sale with a physical barrier such as a raised counter or service window, the Dual terminal provides a practical solution, enabling simultaneous interaction from both sides.

For added flexibility, Axepta BNP Paribas also offers the Axepta BNP Paribas Soft mobile app. A convenient solution that turns a smartphone into a payment terminal. Cost-effective, easy to use, and always at hand, it is particularly well-suited for professionals on the move.

The choice of a suitable solution also heavily depends on the sector of activity. The needs of a hospitality or food service professional differ from those in the medical field. Each industry involves specific use cases, which must be carefully considered to make the right decision.

Choosing your payment partner

Many merchants opt for low-cost terminals upfront, only to face high transaction fees or hidden costs later. At Axepta BNP Paribas, transparency is a priority—pricing is clear from the start and tailored to each merchant’s transaction volume.

Unlike other solutions where a terminal may seem affordable at purchase but leads to much higher transaction fees over time, Axepta BNP Paribas offers a more balanced approach. Compared to some market competitors, the savings on transaction fees already offset the initial terminal cost after just four months of use. This advantage grows over time, making it a long-term cost-effective solution for merchants.

Additionally, payments are credited to the merchant’s chosen bank account on the next business day, a key advantage for smooth cashflow management.

Comprehensive support is also provided, with 7d/7 assistance available by phone in the merchant’s language or through on-site intervention if needed.

Finally, security is at the core of Axepta BNP Paribas, ensuring reliable transactions and seamless business operations.

Why choose Axepta BNP Paribas?

We don’t sell a product, we build a relationship of trust.” — Inge Van Israël, Head of Product, Marketing & Business Transformation. Because every business has unique needs, Axepta BNP Paribas is committed to supporting merchants with attentive listening and tailored solutions, fostering long-term loyalty. This approach combines economic efficiency with trust, fully meeting their expectations.

Learn more by reading testimonials of our clients to guide you in your choice. You’ll also find our full range of offers and can connect with our teams for personalized advice.