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Thailand being one of the fastest emerging markets in Southeast Asia, has a direct correlation with regard to their sophisticated mobile payment solutions. Different online payment solutions in Thailand have risen in popularity over the past couple of years. For example, payments done via a mobile device are now used in multiple verticals and have become an indispensable option in the Thai market. Leading providers of payment solutions recognize this demand and assure clients that their solutions come with excellent client service and complete coverage of all the banks in Thailand. Ease of E-Payments and Social Media Rise The rise of the younger generation has played a vital role in the popularity of online marketing and business. In the fast-moving business market, service providers are aware that both local and international players are actively participating to adopt e-payment as a preferred mode of payment. The use of the Internet and mobile phones has brought the shopping experience to the consumers’ homes. Convenient and user-friendly online payment solutions in Thailand have been instrumental in attracting people from all age groups and walks of life. This has led to a significant boost in profits for clients. Top providers incorporate Artificial Intelligence along with innovative technology to create a one-stop e-commerce platform for any online business.  Social Commerce and Widening Boundaries Social websites and messaging are quickly becoming an essential part of e-commerce. You can choose a payment processing partner that specializes in using chatbots and messaging platforms to boost, promote, and enhance your business. Companies also use social media as a mode of influence to get in touch with their audience and grow their business. With an increase in demand for online shopping, you can ensure that your business stays ahead of the competition and deals with the constant changes that occur. Online payment solutions in Thailand ensure that cross border transactions will be completed within three working days. This will make a significant difference especially if you have several cross-border transactions every month. Consumer Preferences and Business Opportunities The trend among the majority of shoppers is to conduct online transactions as an alternative to cash payments. Online payment solutions in Thailand include mobile banking, e-wallets, use of debit and credit cards, and internet banking. E-payments only require a link with your bank details, and in some cases, registered users can even use their mobile numbers to transfer funds. A one-stop payment solutions provider will offer users short-term credit along with interest-free financing and cash back rewards. Their goal will be to enable every business, small or big, to reach its full potential and secure the loyalty of customer with top-notch payment solutions. The Thai Government has succeeded in its effort to boost e-commerce and online payments. Has your business taken advantage of online payment solutions? If not, it is not too late to start. Contact a reputed provider of payment solutions, and they will be happy to help in any way possible. Take a step forward before your competition does!
Indonesia has the largest economy in Southeast Asia, with its e-commerce rapidly growing through the use of digital payment methods. Indonesia's mobile commerce alone has a projected value of $31.5B by 2021. This is due to the rapid increase in mobile phone users. Companies that offer payment solutions help merchants accept mobile payments and online bank transfers through the use of Indonesia online payment gateway. Besides online bank transfers, they also have virtual account solutions, which are also popular in the Indonesian market. These companies can help you set-up your merchant account and be part of this growth. Take a look at why e-commerce in Indonesia is growing exponentially over the years! Supportive Government Regulations The Indonesian government has been quite supportive of online payments and business. The new regulations and policies put in place ensure that e-commerce becomes a part of social behavior. With an Indonesia online payment gateway, consumers can easily choose their most preferred online payment option. This facility is available to anyone, and safe and secure measures are employed to ensure better customer protection. With reputed payment gateway providers, you can accept online transactions or mobile payments anywhere and anytime. They enable real-time processing of all card transactions without compromising on security. Mobile Access and Greater Opportunities With smartphones, e-money is possible anywhere and anytime. All it requires is for the customer to download an app or connect their account to their mobile, and they can pay or shop for products and services. The concept of an e-wallet has given rise to greater accessibility, wider opportunities, and increased dependence on reliable online payment platforms. Businesses can tie-up withleading service providers to offer discount and benefit to customers. In this way, many other sectors, such as public services, cinemas, or even restaurants, can now offer their products and services through Indonesia online payment gateways. The Middle Class and E-Commerce System The rise of the middle class in Indonesia has resulted in a population that has a higher purchasing power. Young, ambitious, and desirous of an affluent lifestyle, this group of people work hard and spend liberally. You will find a wide range of payment solutions that are designed to provide a seamless and efficient payment package for them. Top providers of payment solutions have a framework and strategy that taps into this resource to provide only the best services. Their goal will be to be part of the cashless future, and therefore, they will lend both online and offline support. Their e-commerce platform will allow customers to make purchases simply by scanning the QR code, using direct debits or bank transfers. Indonesia quickly realizes the power of e-commerce. With Indonesia online payment gateways, businesses can help enhance the economy of the country and take it forward. If you are trying to grow your business, then your next step should be to explore online payments. Get in touch with the right service provided to get started in the right direction right away. 
Technological developments in information technology and telecommunications have set an electronic revolution in the Malaysian banking sector. The leading e-commerce payment method in Malaysia is bank transfer, which is about 46% of all e-commerce payments. As they continue to embrace the norm of the society to use cashless payments, providers of innovative online payment solutions in Malaysia have paved the way for a seamless and secure online banking experience. They will significantly contribute to the growing digital economy of Malaysia in the next years to come. The country of Malaysia has been growing from strength to strength in its endeavor to boost e-commerce and digitization of payments and business. Innovations, active participation, and fresh ideas from the younger generation are driving this growth. This has resulted in better internet facilities and a wider scope of trade relations with its neighboring countries.  Increase in the Use of Electronic Payment Numerous initiatives have led to the rise of online payment solutions in Malaysia, as well as mobile and electronic banking transactions. With a focus on security and multiple currency support, it is important that customers experience flexibility and convenience. Leading service providers are aware that the reach of e-commerce in Malaysia has penetrated into banks with online cash transfer facilities and real-time payments. Through their services, you can offer more options for your customers to encourage more purchasing and increased revenue.   Internet-Savvy Customers Malaysia boasts of a large population of the younger generation that is well versed with the internet. Businesses can tap into the comfort level by using our leading payment gateways. Artificial intelligence and digital marketing can be used to drive consumer sales. A secure Omni channel payment solution enables innovation, flexibility, and new business opportunities. The use of smartphones has furthered the penetration of online shopping, payments, and transactions. Businesses can now create marketing content to increase mobile traffic, especially on the weekends. Social Media Platforms Like most countries, Malaysia, too, is experiencing a surge in social media platform usage. This has resulted in social commerce, where individuals or businesses buy and sell products online. Payment solutions in Malaysia can help promote and provide merchants with information, tailor-made e-payment solutions, and competitive technology to stay ahead in the competition. In other words, conversations are leading to conversions. Companies are now integrating Artificial Intelligence in the form of chatbots to connect and engage with customers.  Opening of Geographical Boundaries With the digitization drive, cross-border business opportunities are on the rise. Foreign investments towards e-commerce are on the rise every day. Customers are also benefitted from us because their products and services are no longer restricted by geography or logistics. It’s also a great way for businesses to grow and expand their client base and establish loyalty.  Payment solutions in Malaysia are changing the face of business and marketing for the better. If you have not taken advantage of this opportunity yet, it is time to get the ball rolling in the right direction. 
The business world has witnessed how payment methods have evolved over the past two decades and has managed to adapt to the digital advancement of the payments industry. Today, merchants of all categories chose online payment solutions to play a big role in their expansion into new markets in Southeast Asia. E-wallets, online banking, QR code, online bank transfers, and virtual accounts are the online payment solutions that are commonly offered to merchants. With the use of online payment solutions in Southeast Asia, merchants are guaranteed to reduce costs and maximize profits. Cut Costs and Invest Smart  With the tremendous potential of e-commerce, there is no need to invest in a physical store, infrastructure, or inventory. With these large investments out of the way, you can concentrate on setting up a strong digital marketing team. Digital advertising is fairly easy to adjust according to budget and is a powerful, cost-effective tool. SEA online payment solutions can be integrated with other payment alternatives from all sectors. While e-commerce does involve some initial costs such as website set up, design, and maintenance, it is possible to reduce overall operational costs, maximize your customer base, and promote merchant transparency.  Personalization and Data Analysis With online selling, you can collect and analyze customer data very easily. By tracking customer interactions and receiving continuous feedback, you will be able to gauge and strategize your business selling model and customer loyalty programs. With so much data at your fingertips, you will be able to accurately promote your products and services to your target audience. The biggest advantage is that you can personalize your information, promotions, and products based on a specific buying habit, preference, location, or purchasing power. With e-bank payment for SEA, you are guaranteed of a reliable and safe seamless system to meet growing demand.  Business Growth and Customer Satisfaction As a business owner, you can choose to use your strong online presence to direct customers to your physical store. SEO and other digital marketing strategies can help you understand customers' buying behavior and use it to your advantage. With online business, your budget can be adjusted to match its size. This way, when your company expands and grows, your budget, marketing, and inventory also grow. Providers that offer a one-stop payment platform are quickly turning customers to e-commerce sites because of its efficiency and effectiveness. Incorporating the best of technology, they offer customized strategic business initiatives to drive more sales. With a Southeast Asia online payment facility, you can now keep your online business open 24 hours a day for your local and global customers.  Southeast Asia's e-banking payment leaders can be trusted to transform your business and take it to greater heights. E-commerce is definitely here to stay, so get on the bandwagon before your competitors capture your market share. Unfortunately, businesses that do not opt for innovative payment solutions may not be able to capitalize on new opportunities. Find reliable providers that offer online payment solutions today.
您是否正在菲律宾寻找线上支付闸道?在开始搜索之前,您需要了解电子商贸交易如何运作,因为这些知识将有助您在众多支付闸道供应商中作出筛选,并为您的业务作出最佳选择。 什么是电子商贸交易? 基本上,电子商贸交易是指资金透过网站上的支付闸道,由顾客一方转移到商户的银行帐户。根据经济合作与发展组织(OECD)的定义,电子交易是指在企业、家庭、个人、政府以及其他私人或公共组织之间,透过电脑网络进行的商品或服务买卖,但是实际支付和交付的程序可以在线上或线下处理。 整个过程可能非常复杂,每笔交易都涉及多个持分者及金融机构。因此,在继续进行电子商贸交易之前,都需要对所有交易因素作出适当的研究。 当中涉及哪些因素? 电子商贸交易涉及三个主要因素: • 顾客 俗语有云︰「顾客永远是对的。」,您应该察觉到,顾客会透过电脑或智能电话,使用不同的付款方式,如信用卡、扣帐卡、流动支付等。他们甚至有可能从外地付款。您为支付闸道选择的电子商贸方案供应商必须能够满足顾客的需求和喜好 — 不仅支援各种付款方式,更可以使用多种货币支付。 • 商户 在这种情况下,您担当着商户的角色。为了能够透过您的网站接收款项,您需要与一家商业银行合作,银行将代表您接收款项并将其存入您的银行帐户。 • 技术采用 这是整个交易中最重要的一部分,您的电子商贸方案供应商所使用的技术将决定您的业务成败。流畅无缝的交易体验将吸引顾客再次消费。 当中涉及两个部分:支付闸道和支付处理方。支付闸道是您的网站上用来连接客户、网站及银行网络的软件。支付处理方则在网站后端工作,以确保整个交易顺利进行。 当您开始在菲律宾寻找线上支付闸道时,务必要了解电子商贸交易的所有细节。我们建议您与当地具知名度的专业电子商贸服务供应商联系,让他们协助您完成整个程序并建立业务。
选择支付方案服务供应商时,最需要注重的功能是什么?当您要在中国建立电子商贸业务时,必须为您的网站选择合适的电子商贸支付闸道。我们列出了一些您必须考虑的重要因素,让您可以作出明智的选择,并为客户提供最优质的服务。 整合方法 要将支付闸道整合至网站中,主要有两种方法:经托管闸道与非托管(已整合)闸道。轻易的整合方法可以减轻您的负担,并协助您更快地建立业务。 定价和费用 • 定价︰交易处理涉及多个金融机构或组织,而每个参与交易的持分者都会收取处理费用,每个支付方案供应商都有自己的收费准则。您应该仔细研究并了解涉及的所有收费,以避免隐藏或额外的支出。 • 商家帐户的选择︰商家帐户是您(商户)与银行或支付闸道服务供应商之间的协议,以允许他们处理您的交易。服务供应商会否提供商家帐户?如果您已经拥有一个商家帐户,请仔细查看您可享有的所有服务。 • 支援的支付方式及货币︰优质的支付闸道会支援各种支付方式,例如信用卡、扣帐卡及流动支付等。请确保您的支付闸道支援您的顾客喜爱的所有支付方式。如果您经营国际业务,那么您的支付闸道就应该支援多种货币,这是非常重要的一点。 安全性 • 是否符合法规︰您的顾客期望得到优质的体验,而为他们提供最安全的付款方式则是您的责任。您的电子商贸支付闸道供应商必须遵循如支付卡产业资料安全标准(PCI-DSS)之类的国际安全标准。 • 密码及身份验证︰一套复杂的密码可防止财产资料被盗。而双重认证则是您的支付闸道必须具备的另一个重要因素。 • 数据及储存︰安全的云端储存、数据加密,使用最新的操作系统等,这些因素能使您的支付闸道更为安全。请记住,确保顾客个人资料的安全是您的责任。 技术支援 • 支援所有设备及操作系统︰大部分企业在设置支付闸道时往往会忽略这个因素。如果能够支援所有设备(包括桌上电脑、智能电话及平板电脑等),将对每次交易顺利进行作出极大帮助。您的支付闸道还必须支援多种操作系统,例如Windows、IOS、Android等。 • 扩展能力︰随着业务增长,您的支付闸道服务供应商必须能够应付日益增长的生意额,所以您需要选择能够利用最新人工智能(AI)技术,为您扩展业务的服务供应商。 • 24小时全天候客户服务︰您的网店能够实时获得交易实况,您选择的服务供应商必须能够提供24小时的全天候支援,所以请向您的服务供应商查询,看看他们是否提供实时技术支援。 一个优质的支付方案闸道能够提升顾客的信心、建立互信的桥梁,并避免您因为欺诈行为而蒙受损失,因此最好选择具良好记录,以及有一定经验的支付服务供应商合作。
众所周知,以流动应用程式付款既简单快捷,又高效率。只需数次点击,就可以透过智能电话完成付款,商户和顾客同时受益。 流动支付的便捷 流动应用程式支付之所以愈趋流行,是因为其便利性。如果用户希望进行流动应用程式支付,他们只需要拥有一部运作正常的智能电话。流动支付令顾客可以即时于您的网店浏览商品;如果他们于实体店购物,在无需携带钱包情况下,亦能快速结帐。长远来说,若商户支援常用的流动应用支付程式,将有助显著提升销售额。 增强交易安全性 除了方便之外,使用流动应用程式付款也非常安全。您可以随时随地接收款项,从而促进业务增长。其中具有动态加密和多层安全保障,以确保机密资料及交易过程的安全。生物认证、多重验证和个人身份识别码(PIN)也可为交易提供额外保障。此外,基于支付方式需符合支付卡产业(PCI)的安全标准,您也可确保其安全性与时并进,符合顾客的期望。透过云端技术,储存顾客的数据,也是保护顾客安全利益的另一措施。 积分奖励 新冠肺炎疫情促使了90%或以上的商户接受电子支付,当中包括手机应用程式、二维码、信用卡或扣帐卡。其中,二维码和流动支付广受欢迎,被大小企业广泛使用。在手机应用程式中推出积分奖励及会员计画可提高品牌忠诚度及使用率。流动支付亦有助减少商户营运开支,因为您不需要设置实体设备,即可接受付款。 越南电子商贸市场的发展 越南大约有9,560万人口,平均年龄为30.9岁。由于人口较为年轻,越南的电子商贸市场正在迅速增长,这也是越南的线上支付供应商百花齐放的原因之一。当地的互联网普及率已达到近50%,而智能电话的使用率也大致相同。越南的经济表现一直相当稳定,电子商贸市况有望于今年大幅度回升。 消除顾客疑虑 越南的商户较为谨慎,线上支付供应商必须赢得他们的信任,例如要确保支付流程顺畅、快速及安全。而当地的消费者也非常重视商品价格,愿意事前在其他网站格价。因此,您的网站亦需要具备格价功能,同时确保交易过程的安全性。 政府支援 越南政府正积极推动无现金支付,除了采取更严谨的电子商贸法规,政府亦同时实行了干预措施,以减少交易过程中可能出现的欺诈行为及假冒商品。这对于有意在越南发展的线上支付供应商来说,无疑是一种鼓励。当地一些规模较大的供应商还提供虚拟帐户方案,并支援来自10多家当地银行的付款。同时,他们亦提供电子钱包、二维码支付和线上自动柜员机方案。在获得批准后,他们更支援场外交易。
建立一个电子商贸网站,尤其当中牵涉到技术框架,没有专业人士的指导,这可能会是一个相当繁琐的过程。电子商贸网站其中一个最重要的结构,是支付闸道中使用的技术,亦称为「电子支付技术」。这项技术是整个支付系统的基础,并协助处理网站上所有透过支付闸道进行的交易。 什么是电子支付系统? 电子支付系统可以帮助您以电子方式付款及收款,它也被称为「电子/数码或线上支付系统」。在此系统中,买卖双方之间无需直接互动,电子支付系统充当着连接顾客和商户之间的闸口,并由支付闸道供应商处理交易。 电子支付中使用的技术 电子商贸交易中使用的技术包括用于通信、处理客户与财务数据,以及数据储存等技术。过程中包含「前端」及「后端」处理操作。前者是指在用户端进行的活动,当中最常用的技术包括是智能卡、应答器或标签、以及智能电话。后端活动包括支付处理、帐户维护、客户服务及报告 — 这些活动均由支付闸道供应商处理。 电子支付流程 电子商贸交易涉及两个因素:支付闸道和支付处理方。支付闸道是您网站上连接客户,网站和银行网络的软件。同时,支付处理方在后台工作,以确保整个交易顺利进行。 付款处理方 支付处理方是所有电子商贸交易中最关键的部分,也是所有繁复工序发生的地方。过程非常复杂,因为涉及多个金融组织,而每个金融组织都收取不同的服务费,因此商户记紧要研究有关收费。 付款处理分为两个步骤: 第1步 — 授权或批准交易: 当顾客访问您的网站,并用信用卡/扣帐卡购买产品时,从支付卡中获取的资料,会通过支付闸道加密并发送至处理方。然后,处理方会要求发卡银行检查顾客帐户是否有足够的余额进行支付。得到银行回应后,处理方会将信息发送给顾客,并对银行发出指示,将金额转入商户的帐户。此过程迅速进行,只需几秒钟。 第2步 — 资金结算 在这个过程中,顾客的发卡银行会将资金结算到您的商用银行,后者又将这笔款项转入您的帐户之中。过程可能需要几天的时间,您才可以使用这笔款项。 随着互联网日益普及,世界各地愈来愈多人开始网上购物和转帐。找出目标群众的需求,并提供最方便、最切合他们所需的电子支付系统,永远都是上策。您的支付闸道服务供应商必须采用强大的电子支付技术,并且能够阻止欺诈活动,一个完整有力的支付系统,能够为您的网站大大增强其功能性以及用户体验。 如果您正在寻求支付处理方案,请与具信誉,能够提供个人化方案,以满足特定业务需求的公司联系。
随着电子商贸进入鼎盛时期,设立支付闸道已不再是一个挑战。消费者不但能够透过信用卡和扣帐卡,还能以网上银行、统一支付介面(UPI)及其他付款方式进行线上交易。现今有很多电子商贸方案能够简化消费者的付款过程。以下将一一讲解,为业务选择合适的平台时,您需要注意的事项。 什么是支付闸道? 支付闸道是一种软件,担当着网店和顾客选择付款方式(例如信用卡、银行帐户或任何线上钱包)之间的桥梁角色,是商户进行线上收款的最简单方式。在菲律宾或其他国家使用线上支付闸道,让企业可以更轻松地接受不同类型的电子支付。这种一站式方案,让商户无需为设置任何软件或硬件,或为网络连接和安全性而费心。 支付闸道有多少种类? 在菲律宾及其他国家,线上支付闸道主要分为三大种类。 重新导向 重新导向是指闸道将顾客引领到付款页面,以完成整个交易(包括处理及支付)。这种支付闸道为商户简化支付流程,对小型企业尤其理想。 站内结帐,站外付款 在这种支付闸道中,前端结帐的动作会在您的网站上完成,而处理付款的过程则在系统后端进行。然而,您将无法控制顾客的消费体验。 站内支付 较大型的企业通常会使用站内支付,让其服务器全权处理付款过程。整个过程(包括结帐和处理付款)都可以在您的自家系统中完成。 如何选择安全的支付闸道? 在菲律宾的商户选择线上支付闸道时,需要问自己几个问题。 您的顾客采用什么支付方式? 了解您的客户偏好的付款方式非常重要,因为一旦选择了适合的支付方式,将有助减少安全风险和其他问题。 您的支付闸道需要收费吗? 有时除了月费、保安费用等固定收费外,商户还可能需要支付其他费用。在选择支付服务供应商之前,请确保您已清楚了解所有收费。 加密技术是否足够安全? 随着电子商贸方案供应商数量的增加,欺诈行为也可能愈趋严重。由于这些闸道需要处理大量金钱,因此一个符合支付卡产业(PCI)标准的支付闸道非常重要。它有助于保护顾客个人和付款资料。使用安全的支付闸道还可以令您对加密过程更安心。 该支付闸道是否可靠? 在菲律宾选择线上支付闸道时,请确保选择信誉良好的支付闸道。尽管市场上有许多大型品牌,但品牌信誉更为重要。记紧要关注支付闸道的安全性,以鼓励顾客继续在您的网店上购物。 在选择支付闸道前,请先进行资料搜集。您会发现市场上有五花百门的电子商贸服务供应商,为您提供不同的方案。您需要根据业务需求,选择一种能为业务增益的方案;请务必检查该支付闸道是否符合支付卡产业(PCI)标准,以确保其安全性;也要注意每次交易的手续费,因为它将影响您的业务成本。以上事项都是您在选择支付闸道时需要优先考虑的。