RECEIVING TECHNOLOGIES AND SOLUTIONS AVAILABLE FOR MICRO AND SMALL BUSINESSES Rafael Antonelli, Marcelo Pereira Bergamaschi

Abstract

The multitude of subjects that entrepreneurs who manage their own businesses need to master is a challenge that can discourage even the most daring entrepreneur, who most of the time knows a lot about their profession, which is the core business of their company, but knows little about the other subjects involved. Among the knowledge that an administrator must have are those related to legislation (labor, tax, civil, etc.), financial (inflation, interest, economics), market (competition, clientele, marketing), among others. Micro or small entrepreneurs, especially those who are just starting their businesses, rarely have such knowledge. An obvious solution would be to hire specialized employees for each sector, which in practice occurs in large companies. Such employees reduce the lack of knowledge of the entrepreneur, leaving him free to focus on the business. However, this solution is expensive and almost always unfeasible for a micro or small company in any sector. In this context, this article aims to present a summary of payment technologies and solutions, addressing the main objectives and characteristics of bank collection and card payment services, offering relevant information that supports decision-making for companies that need to offer their customers current payment methods in accordance with their real needs.