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We are building an e-commerce which sells hearing aids, and in my country (Brazil) they are very expensive (almost the price of a car).

If a Hearing Aid costs USD 10.000, people here in Brazil have a lot of difficulties, such as:

  1. Majority of customers do not have that money to pay once via Boleto

Boleto Bancário: The payment process for boleto bancário transactions is similar to that of wire transfer or cash payment methods. Customers are provided with a prefilled boleto bancário payment slip. At this point, the customer has the option of printing the form and paying it physically at any bank branch or at authorized processors such as drugstores, supermarkets, lottery agencies and post offices. Additionally, it can also be paid electronically at any of the more than 48,000 ATMs in Brazil, as well as through internet banking or mobile banking apps, which are widely used in the country.

  1. Do not have that cash limit on their credit card for payments e.g to divide the price in 10 payments of USD 1.000
  2. We do not have any online bank financing payment gateway available yet
  3. If a customer do have that amount of money on their credit card, they usually do not trust a new website to put that money on.

When a patient comes in-store to buy a hearing aid, we usually offer a bank financing to pay it in 24 or 36 payments, some patients even go into 60 payments.


Considering these problems, we need to offer a way for our customer to buy a hearing aid online, with flexible and cheap payments.

We thought of selling online only 20% of the hearing aid, and then contacting the patient later on so we can figure a way to pay the difference through our normal payment methods.

Example:

  • Hearing Aid - USD 10.000
  • Price offered online - USD 10.000
  • Price available to pay online - USD 2.000
  • Difference available to finance via offline methods - USD 8.000

My question is:
Is this a common practice in e-commerce? And may I run into technical problems by selling only 20% of the product? Is there something I am not catching up here?

Legal problems I might run to I will ask later on another stack exchange network.

  • Why does it matter if it is common practice? If all the disruptive ideas thought like that they may never have happened. What sort of technical problems might you come up against? I can't even think of any. If you have a business model that works then go for it. As for the price of hearing aids, as someone who wears 2 of them I find it a disgrace – Steve Jan 16 at 22:09

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