Do you know how to manage your store with regard to Financial Management of e-commerce?
It may seem like a bold question, but I imagine your day must be very busy, and full of worries: Are we selling a lot? Do we have enough stock? Are suppliers being paid on time? Are customers happy?
Ufa! There are so many decisions to be made that it can sometimes be overlooked to check the financial health of the business.
In fact, following up on the finances is a very thorough activity that demands time from the company’s financial analysis to monitor the origins and outputs of its income.
But this activity can never be postponed! Imagine a situation where you must urgently make a big purchase because your inventory will soon run out. Or, another situation in which you are faced with a cash gap due to a high rate of default by your customers. It is necessary to always have control over the situation to avoid major emergencies.
This is another daily challenge for the entrepreneur, but one that could have been monitored, predicted or avoided! The fact is that companies that cannot manage their own money tend to perform well below their true potential and, often, end up having to close activities early.
And it is precisely to avoid these unforeseen events that every e-commerce needs a solid financial management structure: to correctly direct financial resources, promote the control of receivables and invest intelligently so that your e-commerce can develop.
With that in mind, we created this content to show you 8 financial management tips for e-commerce:
- Make a financial plan
- Financial performance indicators
- Keep your expenses under control
- Make projections of earnings and expenses
- Check your pricing policy
- Monitor your stock constantly
- Choose your payment methods wisely
- Invest in e-commerce financial management software
We invite you to read on to discover in the next few lines how to manage an online store in order to keep it financially sustainable and profitable.
Also read: E-commerce: Everything you need to succeed in this market
Take advantage and also see these amazing tips to boost your e-commerce:
8 financial management tips for e-commerce
To ensure the profitability of your e-commerce, you need to put in place some essential financial management tips . Check now what they are.
1. Make a financial plan
According to studies completed by the Study of the Movement Neotrust Compre & Confie in partnership with ABComm, by the end of May 2020 more than 107 thousand new e-commerce ventures had been opened .
With the market so hot, it may seem like an easy task to manage an e-commerce. After all, you just need a product or service and an online sales platform. Today, there are free Instagram and Facebook market places, Mercado Livre, Magalu and the recent Shopee . Right?
Even if some expenses such as rent and other costs inherent to the physical space are no longer a concern, several specific aspects of managing an e-commerce cannot be ignored – in addition to all the demands that also belong to the traditional commerce model, as per example, customer service, logistics and stock management, and tax responsibilities .
In practice, e-commerce have a plus : their store is on the internet, operating 24 hours a day and everyone can have access. So transactions are very fast and orders can come from any region!
All these constants must be accompanied by a good financial organization. There is no way to efficiently manage an online store without having a well-structured financial planning .
The creation of this document works as a kind of guide that should guide all decisions with a direct and indirect impact on your e-commerce finances. As this is a more volatile market, financial planning helps protect the company from economic fluctuations.
It is important that during planning you set some realistic goals that you want to achieve. Some goals you can set are the number of visits, the average customer ticket, your online store’s monthly revenue and revenue, and so on.
It is this planning that will not only direct the store’s day-to-day activities, but will also present a more complete picture of the objectives and goals to be achieved by e-commerce.
The more current and complete the planning, the greater the chances of your business going through any difficulties in a conscious and strengthened way.
Read more: What is corporate financial management: more value in your business
But then, what exactly should be observed in e-commerce financial planning?
That’s where financial indicators (or KPIs ) come in. They are precisely intended to illustrate whether the company will be able to achieve the goals set in relation to finances.
2. Financial performance indicators
The use of financial performance indicators is essential for managing your online store. Through these metrics, it is possible to measure the effectiveness of your strategies, carry out analyzes and identify opportunities for improvement. They are the ones that allow you to compare actual sales with what was previously planned.
Now, having these numbers defined, you can follow them through indicators. Try to choose metrics that make sense for your e-commerce. If your e-commerce is new, it’s not worth the stress of waiting for large numbers of visits, is it?
So, among the main indicators for managing a virtual store, the following stand out:
- Conversion rate;
- Average ticket;
- Customer Lifetime Value;
- Customer Acquisition Cost;
- Return on Investment.
This rate is nothing more than a percentage number that represents how many visitors who arrived at your store, in a given period, made a purchase.
For example: if in one month your e-commerce received 100 visits and 30 of those completed a purchase, your conversion rate was 30%.
Let’s assume that this percentage is constant for several months, that is, that this rate has remained stable. If you want to reach 35 sales a month, in theory you would need at least 117 visits a month.
For this to happen, you can invest in some campaigns that bring more visitors to your e-commerce, such as partnerships with influencers , paid traffic, store promotion in different channels, actions that promote word of mouth, etc…
This rate indicates the amount of sales that were canceled after purchasing the product by card. According to consumer law , the customer has up to 7 days to regret a purchase and request a refund.
However, there are several reasons for a chargeback to happen.
It is possible for the customer to invoke this right for reasons beyond their control, such as card cloning, wrong bank processing, misplacement of goods, etc.
But it is also possible for a chargeback to occur when the transaction does not comply with the rules established in the contract, adhesion terms or policy of the card company.
In practice, after a sale is made, the card company considers the transaction to be invalid. Therefore, the value is reversed to the consumer.
To avoid situations like these, it is necessary to pay extra attention to identify whether its security mechanisms are efficient, whether the intermediary company is trustworthy and, especially, whether the data of customers who are in possession of the e-commerce are compatible with that person .
This indicator shows the average consumption value of each customer in your e-commerce. The simplest way to calculate the average ticket is to make a simple division between the amount sold in a period and the number of people who made purchases in your store. For example: if in one month the revenue was R$1000.00, resulting from 5 sales, the average ticket for that month was R$200.00.
But the truth is that this value can also be seen individually for each customer, for different periods, by geographic region, etc.
In any case, for you to take real advantage of this number, a reference needs to be established. The average ticket alone doesn’t tell you much.
That’s why the financial planning we mentioned earlier is so important. For the indicator to bring you insights, it is important, first, to stipulate a value that you consider prudent to be the average ticket of your e-commerce.
Let’s assume that the amount stipulated by you was R$ 150.00 for an average ticket. So, in the example above (where the average ticket for the month was R$200.00) you’ve hit your goal and your sales strategies are doing well!
But if your average ticket this month has reached R$120.00 – then you haven’t hit the target .
Having a parameter in hand, you will have a north to take actions that direct your sales to the ticket pre-established by you. A cool option is to offer a set of sales kits.
For example, you can list side by side 3 kits that complement a product for your customer: silver kit, bronze kit and gold kit – so that the middle set is the most valuable to the customer.
The idea is for the sale to reach the value of your average ticket if the customer purchases the bronze kit – which is in the middle. So, purchases are expected to focus on this combo.
[But if they opt for the gold kit, even better, right? ]
Customer Lifetime Value (CLV or LTV)
LTV or lifetime value is a business metric that estimates the lifetime net profit of each customer. Your goal is to assess how much a customer is worth to your company for as long as he is involved with e-commerce.
It may sound complicated, but this rate is very simple to calculate and can be adapted to different businesses.
To the bills: a consumer closed a purchase for R$ 100.00 and this was the only purchase in one month of the entire year. So your CLV is $100.
If this same customer has a habit of returning to your e-commerce quarterly to make new purchases with the same ticket, then in one year your CLV is 4 x 100 = R$ 400.00.
But, if, for example, your store’s business model is subscription and the monthly fee paid by the consumer in an annual plan is R$ 50.00 – then the CLV for the consumer is: 50 (purchase value) x 12 (months) x 1 (year in effect) = R$ 1,200.00.
Although the third CLV is higher than the first ones, this isolated indicator has no value – because the establishments are different.
For an e-commerce that sells, for example, makeup products, a good deal would be for sales to be made as quickly as possible when a product is launched.
This is because, in general, e-commerce in this field can depend on a campaign’s inventory being depleted (and earning an expected profit), to then launch a new product and generate new sales.
In the case of subscription commerce, strategies that value a service and engage the customer for as long as possible is the big move. This is the case with Netflix. If the streaming service stops releasing good content, they may lose subscription renewals.
Customer Acquisition Cost
CAC is the sum of all company costs and expenses that are used to acquire customers in a given period, divided by the number of customers acquired.
In other words, it is through the CAC that you identify exactly how much it cost the customer to be earned from all the investments applied for the conversion.
Let’s assume you invest R$30,000 in a month and 150 customers are converted. In this case, the CAC was R$ 200.00 that month.
This metric, however, can be quite subjective, and it is up to the trader to find out what are the relevant conditions to be included in the analysis.
This is because, in this account, several variants can be entered, such as all the costs necessary for the maintenance of a team responsible for that acquisition and its funding strategies.
Salaries, infrastructure costs, software such as ERP s and payment gateway, etc. can enter the denominator of investments.
Return on Investment
Another very important indicator for the financial management of your e-commerce is the Return on Investment rate, the ROI. It is an indicator used to measure the economic result generated from the investments made.
It is the percentage that represents the level of profit or loss in the ratio between the amount of money invested in a stock and the money earned as a result of that investment.
With this rate, you gain more maturity to plan future actions for your business – after all, the objective of ROI is to assess which campaign has yielded more profits for your e-commerce.
To reach this number, you need to subtract your investment from the profit obtained from a share and divide by it:
ROI= [profit obtained – investment value] /
So, for example, you launched 3 different products:
- Total investment for the entire product launch = R$50,000.00.
- Total in sales = BRL 70,000.00
ROI: 70000 – 50000 / 50000 = 0.4 (40%)
- Total investment for the entire product launch = R$ 70,350.00.
- Total in sales = BRL 20,000.00
ROI: 20,000 – 70,350 / 70,350.00 = -0.7 (-70%)
- Total investment for the entire product launch = R$20,000.00.
- Total in sales = BRL 180,000.00
ROI: 180000 – 20000 / 20000= 8 (800%)
You certainly noticed that the best performing product was 3, the one with the highest ROI. This means that the campaign was a success because the return was much higher than the amount invested in the campaign.
Ready to start metering your e-commerce numbers?
But… Be careful not to delude yourself!
It is important that you choose very well which metrics are best suited to the financial management of your e-commerce.
When I say this, it’s because it can become a disincentive if you set unrealistic goals or incompatible indicators to monitor them. Do not fall into the trap of carrying out a planning that does not match the size, the branch of the market, the value of the proposal, the expenses and maintenance costs of your e-commerce.
Also, be careful not to fall into the temptation of vanity metrics ! For example: Of course, we want your online store to have many visits (AND many likes on social media).
3. Keep your expenses under control
Continuing our online store management tips, it’s extremely important to keep operating costs under control.
You already know: even before you start your e-commerce activities that costs are already putting their claws out. You need to pay for at least one registration in the e-INPI system , a domain registration , issuer of invoices and other investments.
But this is just the beginning. When the store is active, various costs come into play to keep your operation up to date, in addition to your company’s marketing and advertising expenses to increase your brand awareness and engage more and more future customers.
So, it is important to be always aware to avoid that costs are higher than the revenue that enters your e-commerce box, always aiming to increase the company’s profit.
To make this control you can:
- Use simple spreadsheets to organize your finances or more complete tools (we’ll talk about them later in this article!);
- List what are your fixed and variable costs, analyzing those that can be relocated or discarded;
- Calculate your required working capital in the month so that your company’s activities can always continue.
Having clear what all the current costs of your online store are, you have more security to anticipate future scenarios.
Thus, you can have more peace of mind to make decisions about investments in new or technology, making your company more dynamic and aligned with the trends in the e-commerce market.
4. Make projections of earnings and expenses
Another recommendation to promote an effective financial management of e-commerce is to make financial projections of earnings and expenses.
To give you idea of the importance of these projections, s ccording to the report Survival of Companies in Brazil, one of the main reasons for the inactivity of the companies were those ” who were not strict monitoring of revenues and expenses .”
Based on historical results and analysis of the current market and the history of your business, it is possible to predict your cash inflows and outflows and, thus, be more assertive in your business strategies.
To guide you, here are some financial management tips that can help you:
- Regularly update your financial control so that you can have a more reliable overview of your finances with the reality of your company;
- Pay attention to the release of revenue in installments so as not to duplicate data;
- Describe in detail what movements have been in your cash, without rounding up any number;
- Engage your current customers, those who have already tried your product, reducing costs for acquiring new customers.
Exclusive worksheet for
We made an online spreadsheet that will help you:
✓ Improve your company’s financial management;
✓ Track approved payments each month;
✓ See the growth curve of your business;
✓ And much more!
Average orders received per month
ACCESS WORKSHEET NOW
And this tip is one of the most important: keep it regular . Observing the entire trajectory of your cash inflows and outflows, it is possible for you to analyze how your finances followed the development of your e-commerce.
Putting these tips into practice makes it much easier to understand which decisions were taken correctly or wrongly and, in this way, you will have a much clearer and safer vision to design strategies for the future.
5. Check your pricing policy
Checking if the prices charged by your online store are adequate is also a good financial management practice.
Pricing needs to take into account the reality of your market, the total costs to make your products available for sale and also the profit margin you want to receive.
Therefore, when pricing, you need to keep in mind 4 factors that directly affect the sale value of your product or service:
To start with, you need to look carefully at the branch of activity in which your product is or will be inserted, reflecting what is the safe margin of prices to be practiced in that market. With this, in addition to understanding how the dynamics of that trade work, you will avoid pricing your product above or below the average price of products similar to yours.
To do this more in-depth analysis of the industry, you can opt for analysis with methodologies such as Swot Analysis or the 4P’s of Marketing – thus investigating what your market opportunities are and which sectors of your company are essential for your and -commerce.
Having done these surveys, some questions you can ask yourself are:
” Is it easy or difficult to gain a share of customers in this market?” “Is my product innovative or are there already many replicas?” “Am I willing to charge more but having more exclusive customers?” “Is it worth having competitive value but needing to make a lot of sales to make a big profit margin?
Target Audience Analysis
It is essential to assess whether your product has the potential to become a consumption habit for the audience you reach or intend to reach. That way, you don’t run the risk of being beaten by that group that you thought was your ideal client .
To test the acceptance of your product, you can create a questionnaire providing enough information for people to understand what the product is, what its features are, and whether they would be willing to pay the proposed price.
If you are launching a new product on the market, in this article you will find a list of websites that act as forums where you can present your new project. The cool thing is that you can offer your product in beta format and get feedback from users who would use your product.
It’s reasonably simple to have access to the purchase price of the materials and equipment needed to assemble or deliver a product, right?
Because of this facility, it is common for merchants to simply add a small fee, the profit margin, to the cost of that purchase.
But beware: this habit can become an enemy of cash flow when accounting indicates that operating expenses are higher than return on investment.
Other costs such as  investments in studies and specialization courses,  rent or electricity bills,  hourly wages,  shipping fees,  exchange rate variations, among others – in addition profit margin – impact directly on your business’ cash flow. Therefore, all these aspects need to be taken into account when pricing your products .
See also: Find out how to increase a company’s profitability: How much of your revenue is actually profit?
Did you know that Brazilian consumers are the ones who are most looking for a discount?
According to a survey carried out by Kantar, 55% of buyers consider that products with discounts are the main reason for choosing an establishment when purchasing.
That discount can be thorny in the profit margin of entrepreneurs. But put yourself in the buyers’ shoes: they can’t even imagine what were all the steps that the product went through to reach the window. And paying cheap is always good, isn’t it?
So, because of that, sincerity can work in your favor. Whenever possible, try to show everything involved in the composition of the price of your products: from structure to manufacturing (if applicable, of course).
How about that neat post on your social networks, for example?
Another interesting tip is to create a kind of video blog. In addition to bringing your brand closer to consumers, a vlog of your daily life allows customers to see what their purchases were, their shipping method, etc.
6. Monitor your stock constantly
The monitoring of the stock is a very important activity for any business and can seriously compromise the customer service and the financial management of e-commerce when it is not controlled.
Assessing inventory “in the eye” is a practice that can become a big trap, especially when there is a large amount of products available. The volume can be deceiving.
Contrary to what many people think, the stock is formed to supply the ratio between the preparation and delivery time of the product – and the time the customer is willing to wait.
So, it is important that you realize that relying on the amount of product stocked can give a false impression that there is enough product in storage.
In this article you can check out how to control your inventory in an automated way, so you never have to have problems with overstock or shortages again.
There are several approaches to managing an e-commerce inventory and the best strategy depends on the nature of your business. But the fact is: whatever your niche, it is extremely relevant to adopt an inventory management of your online store.
To help you, we’ve put together 5 different stock management strategies here for you to get to know up close:
The cycle stock is one in which there are cyclical replacements, as the name says, of the same quantity of products, within a stipulated period.
If your online store has steady demand, with very similar numbers of orders per month, or if you have a maximum number of orders that you prefer to fill, it may be more interesting to consider cycle stock.
Those who operate e-commerce of this style can make these “rounder” purchases and thus avoid buying too much and leaving money idle – or buying too little and losing sales opportunities.
Understanding that your e-commerce fits these conditions makes it clearer what is the amount of sufficient orders that will need to be placed from your suppliers, to guarantee the materials needed to produce X amount of shipments.
Therefore, bearing in mind that cycle stock is essential for your business, future replacements will be easily and safely planned.
Stock in transit
As the name says, this stock is one that is on the move, that is, that is still on the way to be delivered to the seller.
Controlling the quantity of product in these shipments is just as important as controlling the quantities stopped “in-house” and ordered, after all, it is this data that will bring you an overview of the stock as a whole.
Having a safety stock means having within your operation a key number of products that are kept separate to serve any emergency.
The idea is that these products are not sold in the same way as traditionally stocked items, but that they are stored to be sold only when an event outside the curve occurs, such as a delay in delivery by suppliers or a higher-than-expected purchasing demand.
The entrepreneur who decides to adopt this procedure is not only the one who is at the mercy of customer demand, but also has suppliers that do not ship regularly.
Some indicators that you can look at to understand if you need a safety stock are, for example, a scenario where there is noise during negotiations with suppliers, such as delay in response; or a situation where order demand is increasing.
Anticipation stock, as the name says, is a stock in which the company anticipates a great demand, supplying its stock of products.
Unlike e-commerce that may have a certain restrained swing in demand, lead stock should be considered for online stores that are subject to spikes or declines in orders due to seasonality.
Such seasonality can be due to events such as commemorative dates. Some examples:
- Mothers Day;
- Valentine’s Day;
- Children’s Day;
- Sexta-feira Negra.
If your e-commerce sells cosmetics, for example, maybe you sell a lot more on Valentine’s Day or Mother’s Day. Therefore, you should anticipate purchases of certain products so that nothing is missing from your stock.
Therefore, e-commerce that are generally more sought after on specific dates should consider anticipating a large purchase of materials so that there is no shortage during these periods.
And if out of nowhere the supplier decides not to supply you? What if the prices of your materials grow too fast? And if these raw materials are completely devalued, discrediting the importance of your product?
This is perhaps one of the perspectives that the entrepreneur should always keep in mind.
If the supply of raw materials for your e-commerce runs the risk of suffering a possible disruption, you should always consider keeping a stock in transit or large quantities already stored.
It can lead to the decision to opt for an anticipation stock, supplies that fit the conditions below:
- overdependence on some specific material;
- difficult to order;
- long chain of many suppliers;
- a lot of commuting time to the entrepreneur.
Bonus tip: it’s not all the vendor’s fault
It is true that a fundamental part of controlling your stock is for suppliers to deliver their demands on time, ensuring the quality of their product.
But this procedure is a two-way street. You can start paying more if you become a risky customer for those who supply you.
Like you, your suppliers are also a company, so situations like repeated returns because the order was placed wrong or late payments can cost you dearly and, consequently, increase your expenses.
7. Choose your payment methods well
When we talk about financial management for e-commerce, we cannot fail to mention the payment methods used by the online store. After all, incoming payments are not necessarily instantaneous and receiving platforms can be multiple.
In order to offer different options to your customers (debit, credit, bank slip, PIX), it is necessary to pay attention to the ideal payment gateway for your store.
The chosen platform must be the most advantageous in terms of fees and payment management, in addition to favoring the customers’ shopping experience. Furthermore, since transactions will take place in a virtual environment, it is very important to provide secure support so that your customers can trust your company.
Having a range of payment options can be both positive, since the consumer will have several choices, and negative because there can be too many systems to monitor.
So, think that payment is the last step of the consumer’s buying journey and having studied your target audience you can offer the best according to your online store’s strategy.
And whenever you need it, you can automate the process of checking your receipts by connecting payment gateways to other management tools.
In Brazil, there are at least 5 payment methods you can choose from:
The good old bank slip is a bill of sale that contains information about the data of the seller, the buyer and the sale itself, such as the description of the product and the expiration date of the document.
It is one of the simplest forms of payment collection, as the seller only needs to have a business checking account at a bank to be able to issue the bank slip.
This option is very present in e-commerce because it is a secure payment method that, unlike credit cards, does not require consumers to give a lot of data to the seller.
In addition, customers can pay the bill without having a bank account, and it is possible to pay it at the cashier’s, post offices and lotteries, with a digital wallet, etc.
On the other hand, payment clearing is not immediate, and depends on the processing speed of the banks.
Another important thing: issuing a ticket does not guarantee a completed purchase. As the invoice does not generate an “commitment” for the buyer, it is still possible for the payment to be waived.
A bank transfer is a digital command made to the bank so that a payment is deposited in the recipient’s account, within a period determined by the seller.
Little information needs to be disclosed such as the CPF or CNPJ, full name and account data of the virtual store so that the customer can transfer correctly.
Today there are 3 transfer alternatives, DOC, TED and the recent PIX. Although, unlike billing, the payment deposit is faster, some specifics of each bank can delay the transaction.
It takes one business day for DOC payments to be transferred, allowing a limit of BRL 4,999.99 per transfer.
TED, on the other hand, can take up to 30 minutes to complete, if done during business hours and weekdays, and its limit is R$50,000.00 per day.
However, both of the above options may charge a transaction fee depending on the bank. So, if the seller’s bank is not the same as the customer’s, the sale may be lost.
Finally, the PIX. It came to revolutionize the means of payment and is the fastest and most immediate method, being only necessary to provide the consumer with a key [or QR Code] referring to the seller’s bank account.
Bank transfers are a great option for e-commerce that want a faster payment, but as in the case of bank slips, it is necessary to take into account the factors that can generate interference in the act of closing the purchase.
The customer who chooses to pay by credit card is the one who is ready to make the purchase. Even if the consumer may be afraid to provide all the necessary data to complete the purchase, it is a risk that “I am aware of and want to continue”.
In return, you can bring more security to the consumer by showing that the transaction is secure – by purchasing, for example, certifications from your website such as PCI (PCI DSS (Payment Card Industry – Data Security Standard).
You can also complement your consumers’ sense of security by making clear your exchange or return policy for products that have already been ordered. In addition to making customer service more helpful, these specifications can also safeguard the entrepreneur’s rights.
It is the merchant’s responsibility to contact banks and operators, define how many payment installments will be allowed, approve payments and hire means of guaranteeing the security of transactions.
That’s where gateways come in to facilitate this process. It is up to the platform to intermediate e-commerce with the institutions mentioned above and establish the retention rates on payments.
Payment gateways are, therefore, platforms that integrate e-commerce with transactional means. With this feature, the seller has access and control of their finances in one place.
By joining a gateway, you can offer the customer the possibility of making payments either by bank transfer, bank transfer or credit card – and later the amounts are transferred from the gateway to the merchant.
PagSeguro, Mercado Pago, Picpay and Paypal are options in the market today that are contracted through membership fees. The cool thing is also that these platforms can be integrated with other business management tools, such as ERP’s .
Read here how to integrate your online store. We’ve selected 7 ways to do this quickly. But there are many others!
Payment intermediaries are platforms that bring together a transaction system, cash flow control and customer support.
They are practically complete structures for e-commerce in terms of payment management because they offer security in transactions, all deposit options, redirection screens for payment confirmation, etc.
However, one of the main complaints of online stores that use this service is the delay in confirming the purchase and, consequently, the transfer of values.
Therefore, when choosing this service, try to take into account the approval time of the purchase, the retention rates per sale and whether the customer journey will be continuous and friendly until the moment of purchase.
8. Invest in e-commerce financial management software
Ending our financial management tips for e-commerce, try to invest in a software specialized in finance. This type of system will automate a number of tasks, generate complete reports and optimize the analysis of key indicators.
There are many excellent financial software for you to use in your business. Here you can read more about 6 options for managing your store’s finances.
Adopting this tool, you will have more control of your finances, in a single and safe place.
In addition, it is essential that you separate your personal finances and your online store in order not to interfere and disrupt the financial management of your online store.
A financial management software allows you to monitor the evolution of your cash flow, enabling you to make more accurate decisions to invest your resources in actions that will only make your e-commerce grow and grow even more!
You are lucky! Pluga integrates with various financial software such as Conta Azul , Granatum , Bkper , Bling , Omie and Tiny Erp . These interactions allow you to automate numerous tasks in your business. See some examples of what you can do with Conta Azul:
E-commerce tips never hurt! Hear some from one of the leading experts on the subject, Raphael Lassance, in this Pluga Podcast by clicking here .
Now it’s up to you: get to work! Implement these best practices and make your online store take off.
Then tell us what you think of our financial management tips for e-commerce.