Real-time payment systems like IPS in Serbia, UPI in India, PIX in Brazil, and others are not just transforming everyday payments for individuals — they’re also becoming strategic tools for large businesses looking to reduce acquiring costs, improve cash flow, and streamline operations.
Let’s explore how some of the world’s biggest companies are embracing this new wave of payments.
India – UPI and Big Retail
In India, Reliance Retail, Zomato, and BigBasket all offer UPI as a payment option. By doing so, they bypass card networks and reduce acquiring fees, which can otherwise eat into already thin margins — especially on high-volume, low-ticket transactions. For food delivery platforms, every percentage point saved on transactions at scale translates to millions in annual savings.
Brazil – PIX for Supermarkets and Telcos
Brazilian giants like Carrefour, Magazine Luiza, and telecoms like Claro accept PIX payments widely. Customers can scan a QR code at checkout or online, and funds are transferred instantly — without card processing fees or delays. Large businesses in Brazil have embraced PIX not just to cut costs, but to enhance customer convenience and accelerate settlement cycles.
Europe – SEPA Instant for B2B and Utilities
While consumer use of SEPA Instant is still growing, large enterprises and utility companies across the EU are beginning to adopt it for B2B payments and bill collection. This allows them to receive funds faster and minimize transaction fees, especially when compared to card-based payments.
Why IPS-Style Systems Work for Big Business
• Lower acquiring fees (often close to 0%)
• Real-time settlement improves cash flow
• No chargebacks or card network delays
• Easy integration with ERP and billing systems
• Supports QR code-based in-store and online payments
What This Means for Large Businesses in Serbia
With IPSgo, Serbian enterprises can tap into the same advantages. From supermarkets and gas stations to telecom providers and utility companies, accepting IPS payments means:
• Cutting traditional POS and acquiring costs
• Receiving customer payments instantly
• Offering a modern and familiar way to pay
The bottom line?
What started as a solution for micro-businesses is now a cost-saving strategy for enterprises. And IPS-style payments are only becoming more relevant as businesses seek both efficiency and customer satisfaction.
Let’s explore how some of the world’s biggest companies are embracing this new wave of payments.
India – UPI and Big Retail
In India, Reliance Retail, Zomato, and BigBasket all offer UPI as a payment option. By doing so, they bypass card networks and reduce acquiring fees, which can otherwise eat into already thin margins — especially on high-volume, low-ticket transactions. For food delivery platforms, every percentage point saved on transactions at scale translates to millions in annual savings.
Brazil – PIX for Supermarkets and Telcos
Brazilian giants like Carrefour, Magazine Luiza, and telecoms like Claro accept PIX payments widely. Customers can scan a QR code at checkout or online, and funds are transferred instantly — without card processing fees or delays. Large businesses in Brazil have embraced PIX not just to cut costs, but to enhance customer convenience and accelerate settlement cycles.
Europe – SEPA Instant for B2B and Utilities
While consumer use of SEPA Instant is still growing, large enterprises and utility companies across the EU are beginning to adopt it for B2B payments and bill collection. This allows them to receive funds faster and minimize transaction fees, especially when compared to card-based payments.
Why IPS-Style Systems Work for Big Business
• Lower acquiring fees (often close to 0%)
• Real-time settlement improves cash flow
• No chargebacks or card network delays
• Easy integration with ERP and billing systems
• Supports QR code-based in-store and online payments
What This Means for Large Businesses in Serbia
With IPSgo, Serbian enterprises can tap into the same advantages. From supermarkets and gas stations to telecom providers and utility companies, accepting IPS payments means:
• Cutting traditional POS and acquiring costs
• Receiving customer payments instantly
• Offering a modern and familiar way to pay
The bottom line?
What started as a solution for micro-businesses is now a cost-saving strategy for enterprises. And IPS-style payments are only becoming more relevant as businesses seek both efficiency and customer satisfaction.
