{"id":18479,"date":"2021-10-26T08:00:21","date_gmt":"2021-10-26T05:00:21","guid":{"rendered":"https:\/\/www.gomag.ro\/blog\/?p=18479"},"modified":"2026-04-07T19:58:06","modified_gmt":"2026-04-07T16:58:06","slug":"plata-in-rate-mokka","status":"publish","type":"post","link":"https:\/\/www.gomag.ro\/blog\/plata-in-rate-mokka\/","title":{"rendered":"Plata in rate &#8211; Cumperi acum, platesti mai tarziu, prin Mokka"},"content":{"rendered":"<p>Rata de conversie a unui <a href=\"https:\/\/www.gomag.ro\/\">magazin online<\/a> in Romania este de doar 1-2%, in cel mai bun caz.<\/p>\n<p>Ce ii face pe oameni sa evite decizia de a cumpara ceva? Ai plata in rate printre optiunile de plata disponibile?<\/p>\n<p>In majoritatea cazurilor, o obiectie importanta este legata de bani. Atunci cand dau peste un produs pe care l-ar dori, este posibil ca oamenii sa nu dispuna de fonduri. Sau, achizitia le solicita bugetul mai mult decat de obicei.<\/p>\n<p>Ce poti tu sa le oferi, ca owner de magazin online, pentru a le usura oamenilor procesul de a lua o decizie?<\/p>\n<p>Atunci cand utilizatorul are ocazia de a plati in transe un produs dorit, cu fonduri din alta parte decat bugetul propriu, perspectiva se schimba. Parca nu se mai simte atat de tras de buzunar.<\/p>\n<h2><b>\u201cDurerea\u201d de a cheltui este alinata si inlocuita de bucuria de a avea un produs nou, achizitionat printr-o metoda de plata in rate flexibila si permisiva.<\/b><\/h2>\n<p>Serviciul de finantare <a href=\"https:\/\/mokka.ro\/\" target=\"_blank\" rel=\"noopener\">Mokka<\/a> ofera primul produs de tipul \u201cBuy Now, Pay Later\u201d (Cumperi acum, Platesti mai tarziu) in Romania.<\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" style=\"border: none;\" title=\"Embed Player\" src=\"\/\/play.libsyn.com\/embed\/episode\/id\/21074447\/height\/128\/theme\/modern\/size\/standard\/thumbnail\/yes\/custom-color\/0062a8\/time-start\/00:00:00\/download\/yes\/hide-show\/no\/direction\/backward\/hide-playlist\/no\/hide-subscribe\/no\/hide-share\/no\" width=\"100%\" height=\"128\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Toata lumea vrea sa primeasca produsele cat mai repede, dar cand vine vorba de plata, apreciaza amanarile si esalonarile.<!--more--><\/p>\n<p><span style=\"font-weight: 400;\">[Articol actualizat in aprilie 2026]<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Plata in rate (Buy Now Pay Later \/ BNPL)<\/strong> este un serviciu financiar care permite clientilor sa achizitioneze produse online si sa plateasca in rate fixe, fara dobanda, in 3-12 rate lunare. In 2026, <strong>28% dintre cumparatorii online din Romania<\/strong> folosesc plata in rate, iar magazinele care ofera BNPL inregistreaza o <strong>crestere de 20-35% a valorii medii a cosului<\/strong> si o <strong>reducere de 30% a abandonului de cos<\/strong>. Mokka (fost Leanpay) este unul dintre cei mai populari furnizori BNPL din Europa de Est.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Gomag, activezi Mokka si alte optiuni de plata in rate direct prin <strong><a href=\"https:\/\/www.gomag.ro\/blog\/gpayments\/\">GPayments<\/a><\/strong> &#8211; aplicatia nativa de plati care include card Visa\/Mastercard, rate BT, Raiffeisen, BRD, Garanti, AlphaBank, tbi bank si Mokka. Totul se configureaza din admin, fara integrari tehnice separate.<\/span><\/p>\n<p><iframe loading=\"lazy\" title=\"Plata in rate - Cumperi acum platesti mai tarziu prin MOKKA\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/OZn8_W89NQ0?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3><\/h3>\n<h3><strong>De ce sa oferi plata prin Mokka in magazinul tau online?<\/strong><\/h3>\n<p>Am stat de vorba cu Alexandru Balaci, CEO Revo Technologies (compania ce opereaza serviciul Mokka in Romania) si am aflat avantajele acestei modalitati de plata.<\/p>\n<p>Platforma Gomag iti ofera o integrare automata si gratuita cu Mokka. Pe scurt, iti punem la dispozitie toate tool-urile necesare pentru a-ti convinge clientii sa cumpere.<\/p>\n<p>Esti pregatit(a) sa iti cresti vanzarile? Un sistem de plata in rate este un avantaj major pentru orice magazin, fie ca vorbim de Black Friday, campanii periodice sau pur si simplu achizitii de zi cu zi.<\/p>\n<h2><b>Cuprins \u201cPlata in rate &#8211; Cumperi acum, platesti mai tarziu, prin Mokka\u201d<\/b><\/h2>\n<p><strong><a href=\"#1\">1. Solutia de plata utilizata de cele mai importante marci din lume<\/a><\/strong><br \/>\n<strong><a href=\"#2\">2. Valorile Mokka<\/a><\/strong><br \/>\n<strong><a href=\"#3\">3. Beneficiile Mokka pentru parteneri<\/a><\/strong><br \/>\n<strong><a href=\"#4\">4. Cum functioneaza flow-ul cumparaturilor cu Mokka<\/a><\/strong><br \/>\n<strong><a href=\"#5\">5. In cat timp se finalizeaza procesul de verificare si obtinere a creditului?<\/a><\/strong><br \/>\n<strong><a href=\"#6\">6. Ce costuri sunt generate de utilizarea Mokka?<\/a><\/strong><\/p>\n<p><a name=\"1\"><\/a><\/p>\n<h2><b>1. Solutia de plata in rate utilizata de cele mai importante marci din lume<\/b><\/h2>\n<p>Solutia de tip \u201cCumperi acum, Platesti mai tarziu\u201d este folosita deja de cativa ani la nivel international. Cele mai importante marci din lume au inclus-o in strategia lor de crestere a vanzarilor.<\/p>\n<p>Aceasta solutie are un impact semnificativ asupra ratei de conversie si a valorii cosului mediu. Cu alte cuvinte, cand oferi oamenilor posibilitatea de a plati in rate, ei vor cumpara mai mult si mai des.<\/p>\n<p>Metoda de plata in rate oferita de Mokka este atractiva pentru clienti datorita flexibilitatii sale. Clientul isi poate alege numarul de rate cel mai avantajos in cazul sau.<\/p>\n<p>Nici pretul nu va mai parea atat de mare atunci cand poate fi achitat in rate. In cazul Mokka, va aparea un widget sub pretul produsului ce va afisa valoarea minima a unei rate pentru produsul respectiv. Astfel, clientul va percepe produsul ca fiind mai accesibil.<\/p>\n<p>Pe langa toate acestea, plata in rate prin Mokka va preveni abandonul cosului de cumparaturi.<\/p>\n<p>Cand au la dispozitie o solutie de finantare, oamenii sunt mai motivati sa finalizeze comanda produselor adaugate in cos.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/rata-de-conversie-mai-buna\/\" target=\"_blank\" rel=\"noopener\"><b>Cum sa ai o rata de conversie mai buna [pe intelesul tuturor]<\/b><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18487 size-full\" title=\"widget-pret-produs-plata-rate-mokka-gomag\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/widget-pret-produs-plata-rate-mokka-gomag.png\" alt=\"widget-pret-produs-plata-rate-mokka-gomag\" width=\"1920\" height=\"886\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/widget-pret-produs-plata-rate-mokka-gomag.png 1920w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/widget-pret-produs-plata-rate-mokka-gomag-1280x591.png 1280w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/widget-pret-produs-plata-rate-mokka-gomag-980x452.png 980w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/widget-pret-produs-plata-rate-mokka-gomag-480x222.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1920px, 100vw\" \/><\/p>\n<p><a name=\"2\"><\/a><\/p>\n<h2><b>2. Valorile Mokka<\/b><\/h2>\n<p>Sistemul de plati Mokka a fost creat pentru a veni in sprijinul atat a clientilor, cat si a comerciantilor. Este o situatie de tip \u201c\u201dwin-win\u201d: comerciantul vinde mai mult, iar clientul cumpara mai mult.<\/p>\n<p>Ce fel de valori poti oferi clientului, prin intermediul magazinului tau online, dupa implementarea Mokka?<\/p>\n<p>Mokka ofera clientilor tai posibilitatea de a cumpara ce isi doresc, atunci cand isi doresc. Nu mai trebuie sa astepte ziua de salariu. Nici pana au economii suficiente pentru a-si achizitiona produsele preferate.<\/p>\n<p>O alta valoare ce se adauga magazinului tau este finantarea achizitiilor usor si rapid. Sunt necesare doar cateva minute pentru a primi aprobarea de finantare si a finaliza cumparaturile. Totul se intampla exclusiv online, printr-o procedura simpla.<\/p>\n<p>Este accesibil si transparent pentru clienti. Cu ajutorul unei aplicatii mobile, clientii isi pot accesa contul Mokka si urmari oricand detaliile situatiei lor.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/ce-aplicatii-gomag-sa-folosesti\/\" target=\"_blank\" rel=\"noopener\"><b>Cum decizi ce aplicatii Gomag sa folosesti in magazin<\/b><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18491 size-full\" title=\"feedback-mokka-client-magazin-online\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/feedback-mokka-client-magazin-online.png\" alt=\"feedback-mokka-client-magazin-online\" width=\"1380\" height=\"509\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/feedback-mokka-client-magazin-online.png 1380w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/feedback-mokka-client-magazin-online-1280x472.png 1280w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/feedback-mokka-client-magazin-online-980x361.png 980w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/feedback-mokka-client-magazin-online-480x177.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1380px, 100vw\" \/><\/p>\n<p><a name=\"3\"><\/a><\/p>\n<h2><b>3. Beneficiile Mokka pentru parteneri<\/b><\/h2>\n<p>Fiecare detinator de magazin cauta solutii care sa ii aduca mai multe vanzari si clienti. Atunci cu siguranta vei fi interesat(a) de beneficiile aduse de Mokka pentru partenerii sai:<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Baza de clienti Mokka insumeaza peste 5.5 milioane de utilizatori (persoane fizice)<\/strong> &#8211; toti acesti oameni au ales plata prin Mokka pentru cumparaturi, lucru ce il poti oferi si tu;<\/li>\n<li aria-level=\"1\">Mokka ajuta la <strong>cresterea valorii cosului mediu de cumparaturi de 2 pana la 3 ori;<\/strong><\/li>\n<li aria-level=\"1\"><strong>Conversiile online pot creste cu 25-30%<\/strong> cu ajutorul aceluiasi sistem de plati.<\/li>\n<\/ul>\n<p>Conform statisticilor analizate de Mokka, achizitiile facute prin aceasta metoda sunt de 2 pana la 4 ori mai ridicate. Atunci cand stiu ca nu vor achita toti banii odata, oamenii vor avea curajul de a cumpara mai mult (cantitativ sau aleg produse premium, mai scumpe).<\/p>\n<h3><b>Aceleasi statistici arata ca 75% din clientii care utilizeaza acest sistem de plata in rate sunt si cei care fac achizitii repetate.\u00a0<\/b><\/h3>\n<p>Ce inseamna asta?<\/p>\n<p>Inseamna ca metoda de plata este apreciata, oferindu-le oamenilor acel \u201cplan de rezerva\u201d sau \u201cas din maneca\u201d atunci cand vor sa cumpere.<\/p>\n<p>Iar inregistrarea rapida, gradul ridicat de aprobare al dosarelor de credit, rambursarea flexibila (rate intre 1 si 24 luni) motiveaza cumparatorii si ii fidelizeaza.<\/p>\n<p>Retentia clientilor va fi si ea mai usoara. Clientii care revin in acelasi magazin vor fi de 2 pana la 3 ori mai multi in cazul implementarii modalitatii de plata in rate prin Mokka.<\/p>\n<p>Pentru utilizatorii Gomag (cei care au magazine pe platforma), avantajele continua.<\/p>\n<h4><strong>Integrarea Mokka prin Gomag este un proces \u201cone click away\u201d, gratuit.<\/strong><\/h4>\n<p>Pentru a putea oferi plata in rate prin Mokka in magazinul tau Gomag, trebuie sa <a href=\"https:\/\/help.gomag.ro\/hc\/ro\/articles\/4405598208146-Mokka\" target=\"_blank\" rel=\"noopener\">parcurgi doar cativa pasi<\/a>. Fa-ti cont la Mokka si adauga credentialele obtinute in aplicatia Mokka din dashboard.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/ghid-black-friday\/\" target=\"_blank\" rel=\"noopener\"><b>Ghid complet de Black Friday: Cum sa castigi clienti pe viata<\/b><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18488 size-full\" title=\"mokka-magazin-online-gomag-integrare-plata-rate\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/mokka-magazin-online-gomag-integrare-plata-rate.png\" alt=\"mokka-magazin-online-gomag-integrare-plata-rate\" width=\"600\" height=\"812\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/mokka-magazin-online-gomag-integrare-plata-rate.png 600w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/mokka-magazin-online-gomag-integrare-plata-rate-480x650.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 600px, 100vw\" \/><\/p>\n<p><a name=\"4\"><\/a><\/p>\n<h2><b>4. Cum functioneaza flow-ul cumparaturilor cu plata in rate prin Mokka<\/b><\/h2>\n<p>Partea buna, cand alegi sa colaborezi cu Mokka, e ca toata lumea are de castigat. Clientii isi pot cumpara ce vor si cand vor, alegandu-si, de asemenea, si numarul de rate convenabil.<\/p>\n<p>Comerciantii sunt platiti de catre Mokka, imediat ce tranzactia se incheie, cu suma aferenta comenzii. Astfel, pot livra produsele comandate.<\/p>\n<p>Iar Mokka recupereaza contravaloarea produselor prin intermediul ratelor lunare platite de clientul final.<\/p>\n<h3><b>Spre deosebire de alti prestatori de servicii de plata in rate, la Mokka nu se plateste nimic in prima luna.\u00a0<\/b><\/h3>\n<p>Clientul nu trebuie sa achite nimic la incheierea tranzactiei cu comerciantul.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18493 size-full\" title=\"cumparaturi-online-plata-mobil-Mokka\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cumparaturi-online-plata-mobil-Mokka-scaled.jpg\" alt=\"cumparaturi-online-plata-mobil-Mokka\" width=\"2560\" height=\"1700\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cumparaturi-online-plata-mobil-Mokka-scaled.jpg 2560w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cumparaturi-online-plata-mobil-Mokka-1280x850.jpg 1280w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cumparaturi-online-plata-mobil-Mokka-980x651.jpg 980w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cumparaturi-online-plata-mobil-Mokka-480x319.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 2560px, 100vw\" \/><\/p>\n<h4><strong>Exista comisioane in sistemul de plati prin Mokka? Despre ce comisioane e vorba si cine le plateste?<\/strong><\/h4>\n<p>Da, Mokka practica anumite comisioane, dar acestea sunt setate in functie de situatie, dupa o discutie detaliata cu comerciantul.<\/p>\n<p>Mokka doreste sa ofere solutii avantajoase tuturor partilor implicate. Mai exact,<strong> comisioanele percepute sunt acoperite atat de comercianti cat si de clienti.<\/strong><\/p>\n<p>Totusi, daca un client alege plata in 1, 2 sau 3 rate egale, nu va fi perceput nici un comision. <strong>Comisioanele pentru clienti sunt aplicate doar pentru plata in mai mult de 3 rate.<\/strong><\/p>\n<p>In acest caz, comisionul va fi perceput de la comerciant. De exemplu, daca un client face cumparaturi de 400 de lei in 3 rate egale, comerciantul va primi de la Mokka 400 de lei minus comisionul de x% datorat.<\/p>\n<p><strong>Esti reticent(a) cand auzi ca e vorba de plata unui comision?<\/strong><\/p>\n<p>Avand in vedere ca iti va creste rata de conversie si valoarea cosului de cumparaturi, acest comision nu iti va afecta profitabilitatea. Din contra, o metoda de plata in rate de acest tip va stimula vanzarile si profitul.<\/p>\n<h3><b>In plus, Mokka isi asuma integral riscurile asociate cu neplata ratelor.\u00a0<\/b><\/h3>\n<p>Tu iti primesti banii de indata ce s-a aprobat dosarul de credit, deci nu vei ramane niciodata neplatit(a).<\/p>\n<p>Pe langa asta, Mokka se ocupa de tot ce inseamna aprobare credit, procesare plati, consultanta clienti si promovare activa a partenerilor sai.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/atrage-si-mentine-clientii\/\" target=\"_blank\" rel=\"noopener\"><b>Cum poti atrage si mentine clientii in magazinul online<\/b><\/a><\/p>\n<p><a href=\"https:\/\/mokka.ro\/for-partners\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18489 size-full\" title=\"contact-mokka-rate-magazin-gomag\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/contact-mokka-rate-magazin-gomag.png\" alt=\"contact-mokka-rate-magazin-gomag\" width=\"1913\" height=\"1396\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/contact-mokka-rate-magazin-gomag.png 1913w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/contact-mokka-rate-magazin-gomag-1280x934.png 1280w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/contact-mokka-rate-magazin-gomag-980x715.png 980w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/contact-mokka-rate-magazin-gomag-480x350.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1913px, 100vw\" \/><\/a><\/p>\n<p><a name=\"5\"><\/a><\/p>\n<h2><b>5. In cat timp se finalizeaza procesul de verificare si obtinere a creditului?<\/b><\/h2>\n<p>Mokka poate finanta achizitii cu valori intre 20 euro si 1000 euro. In anumite cazuri, se poate merge peste platfonul de 1000 euro. Dar, in principal, plaja mentionata este cea practicata.<\/p>\n<p>Nisa in care activeaza Mokka este alcatuita din achizitii de valoare mai mica, dar cu recurenta mare. Astfel, orice retailer care vinde produse cu valoare cuprinsa in limita mentionata mai sus poate lucra cu Mokka.<\/p>\n<p><strong>Din momentul adaugarii produselor in cos, in cat timp se finalizeaza procesul de creditare si se incheie tranzactia?<\/strong><\/p>\n<p>E bine de stiut ca exista o diferenta intre clientii deja inregistrati in baza de date Mokka si clientii care se inregistreaza la momentul achizitiei.<\/p>\n<h3><b>Pentru cei inregistrati, procesul de achizitie dureaza doar 20 de secunde. Pentru cei care se inregistreaza la achizitie, procesul dureaza 1-2 minute.<\/b><\/h3>\n<p>Cum functioneaza acordarea de credit la Mokka?<\/p>\n<p><strong>Analiza unui client se face pe baza de \u201cscoring\u201d<\/strong>. Adica se verifica acel client in bazele de date a mai multor institutii (ANAF, biroul de credit etc.) pentru obtinerea unui istoric de creditare.<\/p>\n<p>Obtinerea acestor informatii dureaza 30-40 de secunde. Pe baza informatiilor obtinute, se seteaza si limita de credit pentru clientul verificat.<\/p>\n<p>Dupa ce procesul de verificare se incheie, se poate trece la finalizarea achizitiei.<\/p>\n<p>Avand produsele deja in cos, clientul selecteaza numarul de rate, accepta termenii si conditiile si comanda poate fi plasata la comerciant.<\/p>\n<p><iframe loading=\"lazy\" style=\"border: none;\" title=\"Libsyn Player\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/15071135\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/0b346a\/\" width=\"100%\" height=\"90\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Clientii finali pot accesa serviciile Mokka doar cu ajutorul numarului lor de telefon (cu conditia ca acesta sa fie numar romanesc).<\/p>\n<h4><strong>Nu se solicita poza dupa buletin clientilor care aleg sa plateasca in maxim 3 rate fara dobanda.<\/strong><\/h4>\n<p>Poza dupa buletin se solicita doar pentru plata in 6, 9, 12 sau 24 de rate. Acest lucru se face la solicitarea BNR. Creditorul trebuie sa detina o copie dupa buletinul clientului pe intreaga durata a creditului oferit.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/cum-atragi-potentiali-cumparatori\/\" target=\"_blank\" rel=\"noopener\"><b>Cum pot atinge un numar cat mai mare de potentiali cumparatori<\/b><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18494 size-full\" title=\"cost-servicii-Mokka-plata-rate-magazin-Gomag\" src=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cost-servicii-Mokka-plata-rate-magazin-Gomag-scaled.jpg\" alt=\"cost-servicii-Mokka-plata-rate-magazin-Gomag\" width=\"2560\" height=\"1843\" srcset=\"https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cost-servicii-Mokka-plata-rate-magazin-Gomag-scaled.jpg 2560w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cost-servicii-Mokka-plata-rate-magazin-Gomag-1280x922.jpg 1280w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cost-servicii-Mokka-plata-rate-magazin-Gomag-980x706.jpg 980w, https:\/\/www.gomag.ro\/blog\/wp-content\/uploads\/2021\/10\/cost-servicii-Mokka-plata-rate-magazin-Gomag-480x346.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 2560px, 100vw\" \/><\/p>\n<p><a name=\"6\"><\/a><\/p>\n<h2><b>6. Ce costuri sunt generate de utilizarea Mokka?<\/b><\/h2>\n<p>Ca detinator de afacere, este bine sa te intereseze orice cost ce ar trebui acoperit, fie ca e vorba de achizitie de marfa sau plata unor servicii. Atunci cand esti cu ochii pe costuri, ramai cu picioarele pe pamant, avand o imagine clara a cheltuielilor si marjei de profit.<\/p>\n<p>In ceea ce priveste serviciile Mokka, nu exista un cost fix practicat pentru toti comerciantii parteneri.<\/p>\n<p>Plata comisioanelor este una flexibila, ce se poate imparti intre comerciant si clientul final.<\/p>\n<h4><strong>In general, comisioanele percepute de Mokka se situeaza intre 5-7%.<\/strong><\/h4>\n<p>Din nou, nu se percepe comision clientului pentru plata in 3 rate. Doar un numar mai mare de rate atrage dupa sine un comision din partea clientului, de 12% pe an in cazul Mokka.<\/p>\n<p>In cazul in care comerciantul isi permite plata unui comision mai mare catre Mokka (intre 8-10%), atunci se pot oferi clientului si 6 sau 12 rate fara dobanda.<\/p>\n<p>Aici trebuie sa vezi daca marja de profit iti permite sa platesti astfel de comisioane in mod constant.<\/p>\n<p>Citeste si: <a href=\"https:\/\/www.gomag.ro\/blog\/cum-calculezi-pretul-potrivit-pentru-produsul-tau\/\" target=\"_blank\" rel=\"noopener\"><b>Cum Calculezi Pretul Potrivit Pentru Produsul Tau \u2013 Strategii de pret<\/b><\/a><\/p>\n<h3><b>Pentru a incepe o colaborare cu Mokka, primul pas recomandat este o discutie cu reprezentantii companiei.\u00a0<\/b><\/h3>\n<p>Este suficient sa accesezi aplicatia Mokka din dashboard-ul magazinului tau Gomag si vei primi toate detaliile si informatiile de contact necesare implementarii.<\/p>\n<p>Pe parcursul unei discutii cu Mokka se vor pune la punct conditiile de oferire a acestui sistem de plati potrivit magazinului tau online (comisionare, numar de rate, back-office, contabilitate si alte informatii utile).<\/p>\n<p>Dupa semnarea contractului cu Mokka, <b>integrarea serviciului se face automat in Gomag<\/b>, prin introducerea credentialelor obtinute.<\/p>\n<p>Black Friday se aproprie cu pasi repezi. Oferi plata in rate ca optiune pentru clientii tai? Datorita tehnologiei de ultima ora folosita pentru verificarea clientilor si aprobarea rapida a creditelor, Mokka poate fi una din cele mai bune optiuni.<\/p>\n<p>Iar daca ai nevoie de o solutie convenabila pentru lansarea unui magazin online, ai la dispozitie <a href=\"https:\/\/www.gomag.ro\/preturi\">platforma Gomag<\/a>.<\/p>\n<p>Pe langa Mokka, platforma ofera integrare gratuita si automata cu un <a href=\"https:\/\/help.gomag.ro\/hc\/ro\/categories\/115000501674-Aplicatiile-Gomag\" target=\"_blank\" rel=\"noopener\">numar mare de alte aplicatii<\/a> ce te ajuta sa vinzi.\u00a0Si pentru ca avem incredere in functionalitatea platformei, oferim <b>testare gratuita<\/b>, fara conditii si fara restrictii.<\/p>\n<h3><span style=\"font-weight: 400;\">7+ Trenduri in Plata in Rate si BNPL pentru 2026<\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>1. BNPL devine standard in checkout<\/strong> \u2013 In 2026, peste 60% din magazinele online din Romania ofera cel putin o optiune de plata in rate. Clientii se asteapta sa gaseasca BNPL la checkout la fel cum se asteapta la plata cu cardul.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>2. Rate fara dobanda ca instrument de marketing<\/strong> \u2013 Afisarea mesajului de rate fara dobanda direct pe pagina de produs creste rata de conversie cu 15-20%. Este un diferentiator competitiv puternic.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>3. BNPL pentru produse cu pret mediu-mare<\/strong> \u2013 Cel mai mare impact al platii in rate este pentru produse intre 200-2000 RON. In aceasta gama, valoarea cosului creste cu 35% cand BNPL este disponibil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>4. Reglementare europeana a BNPL<\/strong> \u2013 UE implementeaza reglementari mai stricte pentru serviciile BNPL in 2026: verificari de creditare obligatorii, transparenta totala a costurilor si protectia consumatorului. Furnizorii conformi precum Mokka ofera siguranta juridica.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>5. Integrare nativa in platforme<\/strong> \u2013 Platformele eCommerce integreaza BNPL nativ, fara plugin-uri sau dezvoltare custom. In Gomag, activarea Mokka se face cu cateva click-uri din GPayments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>6. BNPL in campaniile de remarketing<\/strong> \u2013 Mesajul de plata in rate in emailurile de abandon cos recupereaza cu 25% mai multe comenzi decat emailul standard. Clientii care au abandonat din cauza pretului revin cand vad optiunea de rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>7. Multiple optiuni BNPL simultan<\/strong> \u2013 Magazinele ofera 2-3 furnizori BNPL simultan (Mokka, tbi bank, rate bancare) pentru a maximiza rata de aprobare si a oferi flexibilitate clientilor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>8. BNPL pe mobil optimizat<\/strong> \u2013 Procesul de plata in rate pe mobil trebuie sa fie fluid, in maximum 3 pasi. Furnizorii care ofera verificare instant si aprobare in sub 60 secunde au cele mai mari rate de conversie.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Intrebari frecvente despre plata in rate pentru magazine online<\/span><\/h3>\n<h4><span style=\"font-weight: 400;\">Ce este Mokka si cum functioneaza?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Mokka este un serviciu BNPL (Buy Now Pay Later) care permite clientilor sa cumpere acum si sa plateasca in 3-12 rate lunare fara dobanda. Clientul selecteaza Mokka la checkout, completeaza o verificare rapida si primeste aprobare instant. Magazinul primeste banii integral de la Mokka.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Ce avantaje are plata in rate pentru magazinul meu online?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Principalele avantaje sunt: cresterea valorii medii a cosului cu 20-35%, reducerea abandonului de cos cu 30%, atragerea de clienti noi care nu ar fi cumparat fara rate si primirea integrala a banilor de la furnizorul BNPL, fara risc de neplata.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Cum activez Mokka in magazinul meu Gomag?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Din admin Gomag, accesezi GPayments si activezi Mokka cu cateva click-uri. Completezi datele de cont Mokka si optiunea apare automat la checkout. Nu ai nevoie de dezvoltare tehnica sau plugin-uri suplimentare.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Clientul plateste dobanda la plata in rate prin Mokka?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Nu, ratele prin Mokka sunt fara dobanda pentru client. Costul este suportat de magazin sub forma unui comision per tranzactie. Acest comision este compensat de cresterea vanzarilor si a valorii cosului mediu pe care o genereaza optiunea BNPL.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Ce se intampla daca un client nu plateste ratele?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Magazinul nu are niciun risc. Mokka plateste integral suma magazinului la momentul comenzii. Riscul de neplata este asumat complet de Mokka, care gestioneaza relatia cu clientul si colectarea ratelor.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Ce alte optiuni de plata in rate sunt disponibile in Gomag?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Pe langa Mokka, prin GPayments poti oferi rate bancare de la BT, Raiffeisen, BRD, Garanti Bank si AlphaBank, plus tbi bank. Fiecare optiune are conditii diferite, iar oferirea mai multor variante maximizeaza rata de aprobare pentru clienti.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">De la ce valoare minima a cosului functioneaza plata in rate?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Valoarea minima variaza pe furnizor: Mokka de obicei de la 200 RON, ratele bancare de la 150-300 RON. Poti seta pragul minim din admin. Cel mai mare impact este pentru cosuri intre 200-2000 RON unde BNPL creste conversiile semnificativ.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Cum promovez optiunea de plata in rate catre clienti?<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Afiseaza mesajul de rate fara dobanda pe pagina de produs, pe banner-ul principal si in campaniile de remarketing. Include informatia in emailurile de abandon cos. Mesajul de rata lunara (ex: doar 49 RON\/luna) este mai persuasiv decat pretul total.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Ce este Mokka si cum functioneaza?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mokka este un serviciu BNPL care permite clientilor sa plateasca in 3-12 rate lunare fara dobanda. 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Mesajul de rata lunara este mai persuasiv.\"}}\n]}\n<\/script><br \/>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"VideoObject\",\"name\":\"Plata in rate prin Mokka pentru magazinul tau online\",\"description\":\"Cum sa activezi si sa folosesti plata in rate Mokka in magazinul tau online pe platforma Gomag.\",\"thumbnailUrl\":\"https:\/\/img.youtube.com\/vi\/OZn8_W89NQ0\/maxresdefault.jpg\",\"uploadDate\":\"2021-01-01\",\"contentUrl\":\"https:\/\/www.youtube.com\/watch?v=OZn8_W89NQ0\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/OZn8_W89NQ0\"}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rata de conversie a unui magazin online in Romania este de doar 1-2%, in cel mai bun caz. Ce ii face pe oameni sa evite decizia de a cumpara ceva? Ai plata in rate printre optiunile de plata disponibile? In majoritatea cazurilor, o obiectie importanta este legata de bani. Atunci cand dau peste un produs [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[11,4],"tags":[],"class_list":["post-18479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-multi-channel","category-parteneri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plata in rate - Cumperi acum, platesti mai tarziu prin Mokka<\/title>\n<meta name=\"description\" content=\"Afla cum functioneaza plata in rate prin Mokka pentru magazinul tau online in 2026. 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