{"id":2622,"date":"2021-01-26T08:39:52","date_gmt":"2021-01-26T07:39:52","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=2622"},"modified":"2025-10-08T13:32:17","modified_gmt":"2025-10-08T11:32:17","slug":"jak-branime-zadluzovani-nasich-klientu","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-branime-zadluzovani-nasich-klientu\/","title":{"rendered":"Zodpov\u011bdnost na prvn\u00edm m\u00edst\u011b. Jak br\u00e1n\u00edme zadlu\u017eov\u00e1n\u00ed na\u0161ich klient\u016f?"},"content":{"rendered":"\n

Na\u0161e slu\u017eby \u2013\u2060 odlo\u017een\u00e1 platba a skipov\u00e1n\u00ed \u2013\u2060 vznikly proto, aby va\u0161e online n\u00e1kupy<\/a> byly p\u0159\u00edjemn\u00e9 a mohli jste nakupovat bez rizika a zbyte\u010dn\u00e9ho stresu. <\/strong>Pr\u00e1v\u011b proto si odlo\u017een\u00e1 platba z\u00edskala svou popularitu v zahrani\u010d\u00ed. <\/strong>Nav\u00edc umo\u017e\u0148uje bezkontaktn\u00ed nakupov\u00e1n\u00ed, co\u017e se v dne\u0161n\u00ed dob\u011b hod\u00ed. <\/p>\n\n\n\n

D\u00edky tomu, \u017ee za n\u00e1kup<\/a> m\u016f\u017eete zaplatit do 30 dn\u016f, a s ov\u011b\u0159en\u00fdm \u00fa\u010dtem dokonce a\u017e do 50 dn\u016f, nic neriskujete. Produkty si v klidu prohl\u00e9dnete a vyzkou\u0161\u00edte, ani\u017e by v\u00e1m blokovaly pen\u00edze.<\/strong> A proveden\u00e9 n\u00e1kupy m\u016f\u017eete pr\u016fb\u011b\u017en\u011b sledovat v Z\u00e1kaznick\u00e9 z\u00f3n\u011b, kam si tak\u00e9 m\u016f\u017eete ulo\u017eit sv\u00e9 platebn\u00ed \u00fadaje, abyste je nemuseli znovu a znovu opisovat z platebn\u00ed karty. <\/p>\n\n\n\n

\"Je
Na\u0161\u00edm c\u00edlem je klient\u016fm usnadnit online n\u00e1kupy.<\/figcaption><\/figure>\n\n\n\n

Pokud v\u00e1s p\u0159ekvap\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/a>, kter\u00e9 nem\u016f\u017eete odsunout, pom\u016f\u017ee v\u00e1m odlo\u017een\u00e1 platba vytrhnout trn z paty. To ale neznamen\u00e1, \u017ee byste t\u00edmto zp\u016fsobem m\u011bli nakupovat v\u011bci, kter\u00e9 ve skute\u010dnosti nepot\u0159ebujete. Pokud se v\u00e1m dlouhodob\u011b neda\u0159\u00ed vyj\u00edt s pen\u011bzi, m\u011bli byste odlo\u017eenou platbu vyu\u017e\u00edvat pouze ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech<\/strong>, nikoliv jako pravideln\u00e9 \u0159e\u0161en\u00ed. Na\u0161\u00edm c\u00edlem je, aby se odlo\u017een\u00e1 platba a skipov\u00e1n\u00ed staly p\u0159edev\u0161\u00edm n\u00e1strojem pro p\u0159\u00edjemn\u011bj\u0161\u00ed nakupov\u00e1n\u00ed, ne dal\u0161\u00edm z\u00e1vazkem, kter\u00fd bude na\u0161e klienty zat\u011b\u017eovat.<\/p>\n\n\n

TIP!<\/div>
Pohodln\u00e9 n\u00e1kupy bez rizika. Mrkn\u011bte se, jak zabezpe\u010dujeme data na\u0161ich klient\u016f.<\/a><\/b><\/div><\/div>\n\n\n\n

Klienty zodpov\u011bdn\u011b prov\u011b\u0159ujeme<\/strong><\/h2>\n\n\n\n

Slu\u017eby, kter\u00e9 nab\u00edz\u00edme, nem\u016f\u017ee vyu\u017e\u00edvat ka\u017ed\u00fd. A\u0165 u\u017e na\u0161i potenci\u00e1ln\u00ed klienti cht\u011bj\u00ed vyu\u017e\u00edvat klasickou odlo\u017eenou platbu, nebo skipovat starosti p\u0159i nakupov\u00e1n\u00ed s n\u011bkter\u00fdm z ov\u011b\u0159en\u00fdch \u00fa\u010dt\u016f<\/a>, v\u017edy si je d\u016fkladn\u011b prov\u011b\u0159\u00edme.<\/strong> V p\u0159\u00edpad\u011b skipov\u00e1n\u00ed nahl\u00ed\u017e\u00edme i do \u00fav\u011brov\u00fdch registr\u016f a na z\u00e1klad\u011b kombinace r\u016fzn\u00fdch \u00fadaj\u016f vyhodnocujeme bonitu klient\u016f. A jsme p\u0159i tom docela p\u0159\u00edsn\u00ed. <\/p>\n\n\n\n

Pokud tedy n\u011bkomu n\u00e1kup s odlo\u017eenou platbou nebo ov\u011b\u0159en\u00fd \u00fa\u010det neschv\u00e1l\u00edme, nechr\u00e1n\u00edme t\u00edm jen sebe, ale p\u0159edev\u0161\u00edm klienta.<\/strong> Nechceme ho toti\u017e zat\u00ed\u017eit dal\u0161\u00edmi finan\u010dn\u00edmi z\u00e1vazky, kter\u00e9 by mu mohly zkomplikovat \u017eivot. Jsme tu proto, abychom lidem zp\u0159\u00edjem\u0148ovali n\u00e1kupy, ne je dost\u00e1vali do dluhov\u00e9 spir\u00e1ly. <\/p>\n\n\n\n

Skip Pay je \u010dlenem Nebankovn\u00edho registru klientsk\u00fdch informac\u00ed (NRKI)<\/strong>. Ten slou\u017e\u00ed k vz\u00e1jemn\u00e9mu informov\u00e1n\u00ed \u00fav\u011brov\u00fdch a leasingov\u00fdch spole\u010dnost\u00ed o bonit\u011b, d\u016fv\u011bryhodnosti a platebn\u00ed mor\u00e1lce jejich klient\u016f. M\u00e1te-li v registru NRKI pozitivn\u00ed z\u00e1znam, znamen\u00e1 to, \u017ee sv\u00e9 z\u00e1vazky zodpov\u011bdn\u011b spl\u00e1c\u00edte, a proto v\u00e1s m\u016f\u017eeme pova\u017eovat za spolehliv\u00e9ho klienta. P\u0159ek\u00e1\u017ekou ale m\u016f\u017ee b\u00fdt negativn\u00ed z\u00e1znam, kter\u00fd nazna\u010duje, \u017ee p\u0159i spl\u00e1cen\u00ed nastal n\u011bjak\u00fd z\u00e1drhel. Informace z NRKI posuzujeme spolu s dal\u0161\u00edmi skute\u010dnostmi, kter\u00e9 se dozv\u00edme p\u0159\u00edmo od z\u00e1jemce o n\u00e1\u0161 produkt nebo z dal\u0161\u00edch zdroj\u016f, abychom rozhodli v nejlep\u0161\u00edm z\u00e1jmu klienta.<\/p>\n\n\n

\"A\u017e<\/a><\/figure>\n
\"A\u017e<\/a><\/figure>\n\n\n

Rozv\u00edj\u00edme finan\u010dn\u00ed gramotnost<\/strong><\/h2>\n\n\n\n

Dob\u0159e si uv\u011bdomujeme, \u017ee vytloukat p\u016fj\u010dku p\u016fj\u010dkou je dlouhodob\u011b neudr\u017eiteln\u00e9<\/strong>. A my rozhodn\u011b nechceme vytv\u00e1\u0159et nov\u00e9 dlu\u017en\u00edky. I proto se na na\u0161em blogu<\/a> v\u011bnujeme t\u00e9mat\u016fm spojen\u00fdm s finan\u010dn\u00ed gramotnost\u00ed, optimalizov\u00e1n\u00edm dom\u00e1c\u00edho rozpo\u010dtu nebo v\u00fddaj\u016f. Raz\u00edme jednoduch\u00e9 pravidlo, \u017ee by si \u010dlov\u011bk nem\u011bl po\u0159izovat v\u011bci, na kter\u00e9 nem\u00e1 dostatek pen\u011bz. Pokud u\u017e po p\u016fj\u010dce <\/a>s\u00e1hne, m\u011bl by k tomu m\u00edt rozumn\u00fd d\u016fvod a m\u011bl by b\u00fdt jist\u00fd, \u017ee pro n\u011bj spl\u00e1cen\u00ed nebude p\u0159edstavovat probl\u00e9m. V ostatn\u00edch p\u0159\u00edpadech je lep\u0161\u00ed \u00fav\u011br odlo\u017eit.\u00a0<\/p>\n\n\n\n

\n
\n
Jak udr\u017eet v\u00fddaje na uzd\u011b?<\/strong>

Ov\u011b\u0159te si, jestli je pro v\u00e1s p\u016fj\u010dka dobr\u00fd n\u00e1pad.
<\/a>P\u0159e\u010dt\u011bte si 7 tip\u016f, kter\u00e9 v\u00e1s ochr\u00e1n\u00ed p\u0159ed finan\u010dn\u00edmi probl\u00e9my.<\/a>
Konsolidace p\u016fj\u010dek. Zjist\u011bte, kdy se v\u00e1m vyplat\u00ed.<\/a>
<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n<\/div>\n<\/div>\n\n\n\n

K dlu\u017en\u00edk\u016fm se chov\u00e1me f\u00e9rov\u011b <\/strong><\/h2>\n\n\n\n

I kdy\u017e odlo\u017een\u00e1 platba nen\u00ed klasick\u00fd \u00fav\u011br, vy\u017eaduje od klient\u016f zaplacen\u00ed n\u00e1kup\u016f v p\u0159edem stanoven\u00e9m term\u00ednu. S ov\u011b\u0159en\u00fdm skipovac\u00edm \u00fa\u010dtem si tak\u00e9 mohou platbu za rozumn\u00fd poplatek posunout na dal\u0161\u00ed m\u011bs\u00edc. Aby klienti na platbu nezapomn\u011bli, upozor\u0148ujeme je e-mailem a SMS zpr\u00e1vou, \u017ee se term\u00edn splatnosti bl\u00ed\u017e\u00ed. Zkr\u00e1tka chceme na\u0161e klienty podporovat v tom, aby n\u00e1m poskytnut\u00e9 pen\u00edze vraceli v\u010das a bez dal\u0161\u00edch n\u00e1klad\u016f<\/strong>.<\/p>\n\n\n\n

Pokud i p\u0159esto v\u010das nezaplat\u00ed, sna\u017e\u00edme se spole\u010dn\u011b s nimi situaci rozumn\u011b \u0159e\u0161it.<\/strong> D\u016fle\u017eit\u00e9 je, aby s n\u00e1mi klient komunikoval a m\u011bl snahu probl\u00e9m \u0159e\u0161it, t\u0159eba formou spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e. V p\u0159\u00edpad\u011b pozdn\u00edho zaplacen\u00ed jej nezahrnujeme vysok\u00fdmi pokutami, ale \u00fa\u010dtujeme si pouze upom\u00ednky, kter\u00e9 kryj\u00ed na\u0161e n\u00e1klady na vym\u00e1h\u00e1n\u00ed. Ty nejsou z\u00e1visl\u00e9 na v\u00fd\u0161i dlu\u017en\u00e9 \u010d\u00e1stky, v\u0161em klient\u016fm \u00fa\u010dtujeme stejn\u00e9 pen\u00e1le \u2013\u2060 v p\u0159\u00edpad\u011b neov\u011b\u0159en\u00e9ho \u00fa\u010dtu jde o 100 K\u010d za ka\u017ed\u00fdch 5 dn\u00ed po splatnosti, u ov\u011b\u0159en\u00fdch \u00fa\u010dt\u016f jde o \u010d\u00e1stku 200 K\u010d za ka\u017ed\u00fdch 5 dn\u016f prodlen\u00ed. Ne\u017e abychom navy\u0161ovali celkov\u00fd dluh, rad\u011bji spolu s klientem hled\u00e1me v\u00fdchodisko, kter\u00e9 bude vyhovovat ob\u011bma stran\u00e1m.<\/p>\n\n\n\n

Chcete o na\u0161ich z\u00e1sad\u00e1ch v\u011bd\u011bt v\u00edce? P\u0159e\u010dt\u011bte si n\u00e1\u0161 Etick\u00fd kodex<\/a>, kter\u00fdm se \u0159\u00edd\u00edme p\u0159i pr\u00e1ci i p\u0159\u00edstupu ke klient\u016fm.<\/p>\n","protected":false},"excerpt":{"rendered":"

Odlo\u017een\u00e1 platba a skipov\u00e1n\u00ed jsou slu\u017eby, kter\u00fdmi chceme lidem zp\u0159\u00edjemnit online n\u00e1kupy. Jejich vyu\u017e\u00edv\u00e1n\u00ed ale vy\u017eaduje ur\u010ditou zodpov\u011bdnost, a to nejen od na\u0161ich klient\u016f, ale p\u0159edev\u0161\u00edm z na\u0161\u00ed strany. P\u0159e\u010dt\u011bte si, jak\u00e9 postupy vyu\u017e\u00edv\u00e1me k tomu, abychom na\u0161e klienty nedost\u00e1vali do finan\u010dn\u00edch t\u011b\u017ekost\u00ed.<\/p>\n","protected":false},"author":6,"featured_media":2618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,32,17,23],"class_list":["post-2622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-o-nas","tag-odlozena-platba","tag-pujcka","entry"],"acf":[],"yoast_head":"\nJak br\u00e1n\u00edme zadlu\u017eov\u00e1n\u00ed na\u0161ich klient\u016f? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Odlo\u017een\u00e1 platba a skipov\u00e1n\u00ed v\u00e1m maj\u00ed \u017eivot usnad\u0148ovat, ne komplikovat. \ud83d\uded2 Jak zaji\u0161\u0165ujeme, aby se na\u0161i klienti nedostali do dluh\u016f?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/jak-branime-zadluzovani-nasich-klientu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak br\u00e1n\u00edme zadlu\u017eov\u00e1n\u00ed na\u0161ich klient\u016f? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Odlo\u017een\u00e1 platba a skipov\u00e1n\u00ed v\u00e1m maj\u00ed \u017eivot usnad\u0148ovat, ne komplikovat. \ud83d\uded2 Jak zaji\u0161\u0165ujeme, aby se na\u0161i klienti nedostali do dluh\u016f?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/jak-branime-zadluzovani-nasich-klientu\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-26T07:39:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T11:32:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2021\/01\/jak_se_nezadluzit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-branime-zadluzovani-nasich-klientu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/jak-branime-zadluzovani-nasich-klientu\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Zodpov\u011bdnost na prvn\u00edm m\u00edst\u011b. 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