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First it was the internet and now it is the mobile app payment that is taking the world by storm. Smart phones are everywhere and with everyone and it is evolving and changing the way business is conducted. The Convenience Factor Mobile app payment is now the preferred method of payment and is overtaking the traditional payment methods. It is used not only for ecommerce transactions but also for in-store and all digital payments. The main reason for its popularity is the simplicity of use. Transactions are done with a few clicks of the phone. It will also benefit you financially in that you get to use coupons, there are loyalty programs, and other incentives not only for consumers but also for retailers and financial institutions. The Mobile Phone for Everything So, what exactly is this mobile app payment? A mobile app on your mobile phone is used to make payments instead of using the usual traditional and nontraditional methods such as cash and cards. Mobile payments also cover mobile money, mobile wallet, and mobile money transfer. Mobile payment apps have been developed not only by financial institutions but also by IT companies. These mobile applications make it possible for you to carry less money for your personal safety. You can, however, still continue to make all the purchases you want and keep track of your spending online. Opting for Cashless Transactions The electronic revolution in the Malaysian finance sector has led to more and more people embracing cashless transactions. Companies that provide seamless payment solutions in Malaysia also ensure that the transactions are safe and secure. You can just log in to mobile banking apps on your mobile phone and start the transactions. Ensuring no chargeback and accepting local currencies is a big advantage if you want to be part of the growing Malaysian economy. A Share of the Pie Payment solutions in Malaysia are provided by different companies all wanting a share of the pie from the rapidly growing ecommerce market. Rapid expansion of the internet into the interior regions of Malaysia has contributed to a lot more people opting for smart phones and the advantages thereof. In fact, the prediction is that the ecommerce market will grow at a rate of as much as 24% per annum. There is massive spending during the annual national shopping events such as the Malaysia Super Sale, the Malaysia Mega Sale Carnival, and the Malaysia Year-End Sale. The payment through the mobile app happens in a few seconds especially if the internet connection is fast. Mobile app payments can be done anywhere anytime. You do not have to reach for your wallet; it is there on the phone. The payment information is encrypted, so transactions happen securely. The e-wallet can be preloaded with a small amount ensuring safety of your main account.
As the current shopping trend has become virtual, merchants inevitably need to update and expand their businesses to suit the new requirements. It is essential to understand the services of online payment providers in Vietnam to keep abreast with industry developments. Read on to find out the basic concepts in e-banking and how it can benefit your business.  E-Banking Services The term e-banking or electronic banking refers to online payment solutions that enable a bank or a customer to make financial transactions electronically. It involves non-financial services as well. Once the customer has registered for online banking facilities, the services can be availed without visiting a physical bank. It is a convenient and safe banking method as a unique ID and password secure the bank portals. The system of e-bank payment for SEA countries has evolved significantly in the last two decades. It includes various forms of banking services and transactions performed through electronic means such as internet banking, mobile banking, telebanking, debit cards, credit cards, and ATMs.  E-Banking: Features The e-banking payment solution provides access to both financial and non-financial banking services. Customers can make bill payments and fund transfers to other accounts. You can check your balance or withdraw money from ATMs anytime. It enables you to keep a check on loans, savings, mortgages, and savings accounts linked to the bank account. However, customers can ask for a checkbook. All these features have led to online purchases becoming an easy and time-saving experience. Further, money transfer has become instant and real-time. Banks allow automated bill payments, and it facilitates payments done on-time. Business transactions can be tracked easily, and the history of payments for any period is at your fingertips. The banking portals function as a single window and it is a secured process. The chances of risks such as fraud, human errors, and theft are minimized.  Services in E-Banking: Mobile Banking Smartphones have become a norm these days, and it has changed its status from a luxury to a need. With well-developed mobile banking technology, customers can initiate and perform banking tasks on their mobile phones. Online payment providers in Vietnam offer mobile banking services and these can be accessed via SMS, USSD, and mobile applications. Mobile banking over SMS is a useful service and can be initiated by registering your mobile number with the bank. USSD, or Unstructured Supplementary Service Data, is communication where you can perform basic banking exercises, including balance inquiry and transfer of funds. Merchant Account A merchant account allows the business to accept payments by e-bank payments. It is an agreement between a merchant bank, retailer, and a payment processor to settle financial transactions. As the customer makes an e-transaction, the funds first get deposited into the merchant account and then transferred to the business account. The transfers are done periodically, daily, or weekly. As a business owner in e-commerce, you will need at least one internet merchant account to make the transactions happen. An internet merchant account holds proceedings from the online payment processing of credit cards.  How to Choose an Online Payment Solution? It is essential to understand how the services of online payment providers in Vietnam work and help your company achieve its business goals. You may not need to know all the minute details of how systems of e-bank payment for SEA countries work, but you should see how these solutions can work for your business. The first step is to understand your customers and their preferred payment methods. The success is in tailoring the payment options to attract the most number of customers.
Businesses have realized the power of ecommerce as they expand their businesses to achieve success. One component that plays a pivotal role in this industry is payment service providers that offer innovative payment solutions. The Southeast Asia e-banking payment industry provides a range of payment solutions to the merchants to choose from. Read on to find more about e-banking services, mobile banking, and internet banking solutions.  E-Banking Applications The banking sector and the e-commerce industry are intertwined. The industry depends a lot on payment service providers' banking services. E-commerce involves transactions of goods and services on online platforms electronically over the Internet. Unlike traditional businesses, there is no need for the buyer and seller to meet in physical stores. Therefore, it is essential to make financial transactions online. This has led to significant growth in innovative technologies in the Southeast Asia e-banking payment industry, which means many more opportunities for merchants.  Internet Banking An internet banking payment gateway is an online payment solution in Malaysia or elsewhere, which a reliable and secure form of payment is for online purchases in real-time from your bank. The purchases can be made anytime, anywhere, at the customer's convenience. The payment is fully secured, and sensitive data is completely guarded. As studies have shown, it is a preferred mode of payment in Malaysia. Further, it is a safe method as customers need to provide a user ID and password to operate it.  Mobile Banking Mobile banking enables customers to initiate and perform banking activities on their smart phones. Customers use this facility to view their account balance, transfer funds to other accounts, make transactions to purchase from ecommerce sites, etc. The types of mobile banking services include mobile applications, SMS banking, and USSD or mobile banking over unstructured supplementary service data. As a major payment solution in Malaysia, it reduces expenses as it allows customers to review transactions, pay bills, transfer funds, and check balance without calling the customer service center. Studies have shown that customers are twice more likely to have a cell phone than cash when they are out. It is especially true for younger customers, who carry smart phones rather than cards or cash.  Factors to Consider: E-Banking Solutions As the Malaysian ecommerce market expands rapidly, international merchants benefit from the opportunities opened up for growth. It is fueled by Smartphone penetration and shoppers willing to buy from overseas. Cross-border spending makes up a significant portion, and therefore, opt for a suitable product that can help you take advantage of the prospects available. Mobile applications are a popular way to reach customers, and social media comes second. It is important to note that customer satisfaction and security take priority when it comes to e-banking solutions.
It will be an understatement to say that customers have warmed up to eCommerce and online payment methods. The rapidly-evolving market throws a lot of opportunities to merchants to expand their business. The vast volume of transactions done online has paved the way for diverse online payment methods, which are now accessible to merchants. Too many options, however, could be confusing to even the most experienced eCommerce merchant. It is crucial to understand the basic concept of online payment gateways to succeed in your business. Online Payment Gateway Payment gateways are vital for eCommerce merchants as they help them accept online financial transactions and manage their cash flow. It works as a middleman between the merchant and the customer. It ensures that the payment is made correctly and securely. It is a technology that captures and validates the customers' card details, ensures the availability of funds, and eventually enables the merchant to receive the payment. With the availability of innovative technology, online payment gateways in the Philippines or Indonesia can simplify how merchants integrate their software and equip the payment ecosystem to run smoothly.  Online Payment Gateway: Why Do We Need a Middleman? In a brick and motor shop, the customer's credit card is swiped on a POS terminal to process payment. In a card-not-present transaction, swiping is not possible, and you need to rely on the information that the customer enters on the payment page. The risk of fraud is high in such situations. It is easy for fraudsters to have the card data you process, resulting in exposure to fraud and chargebacks. They may identify ways to initiate illegitimate transactions that can end up damaging your brand's reputation. Payment gateways play a pivotal role here. An online payment gateway acts as a gatekeeper of your customers' payment data. As an online transaction is made, the merchant's information is relayed to the issuing bank in encryption. It thus keeps unwanted threats away from sensitive data. It also protects the merchants from insufficient funds, expired cards, exceeding credit limits, and closed funds. Therefore, online payment gateways in the Philippines and elsewhere keep the transactions system safe and secure. Online Payment Gateway: How Does it Work? Normally, your customer adds the product into the shopping cart and then proceeds to the payment page to make the payment. The customer enters their card details, including card number, cardholder's name, and CVV number. The information is securely passed onto the payment gateway based on the integrations. In the Philippines or Indonesia, online payment gateways offer you different options for integrations on the payment page. It includes a hosted payment page and direct API. In a hosted payment page, the customers are redirected when they are ready to checkout. The payment gateway receives the transaction data before it is passed to the acquirer. It reduces online merchants' burden if you do not collect and store the cardholders' data on your server. In contrast, the direct API method enables the merchants to process the credit card and check the transactions in real-time through solutions like shopping carts, web pages, mobile applications, or billing software.  Multi-Currency Payment Gateway As eCommerce allowed merchants to expand their businesses beyond geographical limits, you need to consider the currency issues in your international markets. A multi-currency payment gateway allows you to accept payments in various currencies from your customers across the globe. In the Philippines or Indonesia, online payment gateways have options to allow multiple currency transactions so that international customers can pay in their currency of choice. The services include dynamic currency conversions and simplified authorization and settlement processes for international payments.
The last two decades have seen a significant evolution in online payment services; one such system is a virtual account. The benefits include rationalization of accounts and simplified cash management structures. Here is a guide on virtual accounts (VA) facilitated by payment service providers to merchants. What is a Virtual Account? Virtual accounts, a type of online payment service, are used by customers to optimize their working capital. It provides a single view of your cash and management of liquidity, payment and receivables management, etc. The information collection method is easy as virtual account numbers can be tracked against the payer's credentials provided by the merchant. A VA is created and assigned to your paying customer, whether it is a main distributor or a buyer. When you have at least fifty such payment sources, a virtual account will help you differentiate the payments from each source. The payments made are automatically directed to the master account.  Virtual Accounts: How Does It Work? You can create any number of virtual accounts based on your business requirements. A part of the account number is customized and assigned to each of the paying customers. As the customers make a purchase, they are directed to the payment page to complete the transaction. The payment service provider assigns a dedicated virtual account to the merchant and then to the customer. As the payment is made, it is deposited into the merchant's account, and the bank receives sales information. Compared to traditional internet banking, virtual account management expands the nature and scope of online banking. They provide clients with the platform and functionalities to manage their liquidity on a self-service basis.  Benefits of Virtual Account Management Virtual account management helps businesses get a single view of pooled bank accounts that are virtualized into thousands of bank-active virtual accounts. The automated self-service online payment solution is made available on the premise or on the cloud, which allows you to streamline the customer experience to match the requirements. The benefits are available to businesses of all sizes and types. The payments and collections are channeled through a single account, making payments on behalf of (POBO) or collecting cash on behalf of (COBO) multiple group entities. Businesses can rationalize their accounts and simplify cash management structure through the advantage of a single external account.  Optimal utilization of payment solutions by payment service providers is the key to the success of your business.
「电子银行」意指在互联网上进行的银行帐户相关事宜。在东南亚地区中,选择透过电子银行付款的人数持续增长,因为汇款快捷、即时进行发票交易、能够进行自动定期付款、介面易用,以及交易成本低。 不受金额限制,即时进行转帐 在传统实体交易中,顾客在确认订单、付款两个动作之间通常相隔颇长的时间,而这段空档是具风险性的,相隔时间愈长,就愈可能出现盗窃的情况。此外,在实体交易中,顾客亦需要携带大量现金出入不同地方,不但会构成不便,亦增加金钱被盗取的风险。可幸的是,以上提及的问题,都已透过东南亚电子银行方案解决!电子银行能够进行即时转帐,顾客只需输入交易有关的资料,例如户口的持有人姓名、帐号、以及转帐货币及金额,点击一下即能完成交易,而帐户余额亦会立即被显示。因此,顾客不必四处频扑,亦能减少风险。 接通世上每个角落.随时随地进行电子银行支付 电子银行在东南亚地区愈趋流行的另一个原因,是因为用户可以从任何地方进行支付。以前用户只能透过网络浏览器处理网上银行事宜,但现时银行已经纷纷采用流动应用程式,让客户可以轻易地连接银行帐户。 电子银行使定期缴款更准确 经常性的开支需要准时缴付,倘若在支付电费、租金或上网费用等任何固定开支时出现延迟,都可能令您无法使用有关服务,造成极大不便。然而,要紧记每个最迟缴费日,又可能造成巨大压力。在马来西亚,如电子银行等支付方案就可以减轻用户负担 — 用户可以将指定的账单设定定期缴付,同时设定特定金额、付款日期,以及收款户口。只要成功输入所需资料,指定的金额将在预设的日期自动扣除,大大减轻用户生活上的不便。 每笔交易一目了然 在过去的日子,若要追溯银行账户的进出纪录,往往十分耗时。但随着电子银行时代的来临,马来西亚的支付方案会自动记录每笔交易的数据,并即时开出发票。电子银行让用户能够轻易查看帐户内所有交易数据,用户亦可使用持续更新的电子存折,不需再亲身到银行重新打印,只需连接互联网,用户便可随时随地获取数据。 更低的交易成本 在省却了保安费用及人手薪金的情况下,与实体银行相比,网上银行的运作成本非常便宜,而节省了的成本上就正正反映在其交易成本上。 如有兴趣了解更多有关东南亚地区的电子银行方案细节,请与业内人士接洽。
电子商贸成为大势所趋,连同它的所有可取之处(包括线上支付),都愈来愈受大众欢迎。如今,企业必须确保其网上商店已配备合适的支付闸道系统,以达至最佳效率及客户体验。长远而言,对企业的电子商贸业务发展亦大有帮助。  决定收取款项的程序 当客户透过线上支付闸道进行付款时,商户需要决定直接在网上商店的网站上收取款项,或将客户导向另一网站进行付款。前者应用了线上支付整合模式,而后者则采用重新导向模式 — 这两种线上支付闸道模式均常见于菲律宾或印尼市场,并开放予当地商户使用。 确保安全标准符合规定 互联网上危机四伏,尤其是网上金钱交易。在实体交易中,买卖双方均可直接见证付款过程;而印尼的线上支付闸道提供转帐功能,让顾客将资金由银行户口转帐到商户银行户口,这些交易仅在输入与顾客银行户口有关的资料时,方能进行。当中涉及的敏感资讯受到高度保护,因为若发生任何意外,都可能导致顾客的财务安全蒙受损失,甚至使商户身陷法律诉讼,断送商誉。因此,无论您要在菲律宾还是印尼寻找线上支付闸道方案,请确保其符合支付卡产业安全标准协会制定的支付卡产业资料安全标准(PCI DSS)。 选择有效率的支付闸道 菲律宾和印尼的线上支付闸道一向根据顾客在商户网站或被重新导向的网站上,输入的交易信息来运行,意味着顾客需要填写多份表格,而这个繁琐的步骤,可能会减低顾客再次访问网上商店或推荐他人使用的意欲。而透过度身定做的线上支付闸道,则可战胜这个风险,同时提高效率:不必要填写的表格不用强制填写,或可直接移除;可以记住顾客早前输入的信息,以进行进一步交易;若果顾客需要输入多个地址、电话号码或详细信息,则可以容许顾客直接复制资料等。 支付方式选择愈多,浏览量就愈惊人 无论是印尼还是菲律宾的线上支付闸道,最大的弊端就是付款方式选择不足。互联网现已统一全球市场,来自全球各地的客户均可到访印尼或菲律宾企业的网上商店。企业应对全球市场保持警觉,并确保网上商店能够满足来自全球的需求。对此,结合多个接受国际扣帐卡及信用卡的付款方式,不失为一个简单的做法。 解决顾客疑问及投诉 任何业务的成功都取决于顾客的满意度。以支付程序为例,不是每个顾客都熟悉网上支付闸道的运作,因此顾客应有权提出有关交易的问题,并与客户支援团队联系。 由现在开始,联系顶尖的服务供应商,设置您的线上支付服务吧!
在东南亚地区使用电子支付的用户正以超出预期的的速度持续增长,毫无疑问地,这个数字未来将会达至数百万的水平。越南及其他东南亚地区中,具领导地位的线上支付供应商所提供的电子钱包服务,其交易量亦只会不断上升。以下是在东南亚地区使用线上或电子银行付款服务的好处: 在东南亚地区进行「无现金支付」 在数码经济的层面上,中国一直扮演领导者的角色。在这个人口众多的环境下,金融科技公司在实现「无现金支付」上发挥了重要作用,但近年来,东南亚其他地区也加入了竞争的行列— 当地的商业银行客户在消费者中占有很大比重,并已在使用电子银行支付服务。 近期增长及政府支援 来自东南亚地区的消费者正在推动一场势如破竹的数码支付革命。以越南为例,为了推动「无现金支付」发展,政府启动了一项特殊的金融计划。此外,除了当地的支付方案供应商外,有些国际公司亦已开始在越南投资。 更安全.更方便 支付服务供应商一直努力提高服务质素,开发新功能,使线上支付更安全、更方便。在选择支付闸道时,经营网上业务的企业或顾客往往拥有多种选择,而中小型企业无需经过繁复的过程,已可接通这些服务。此外,有些知名的供应商会提供度身定做的服务,迎合业务持续增长的商户需求, 更会提供24/7全天候服务,使便利度大大增加。 虚拟账户方案 在越南,某些线上支付服务供应商亦提供虚拟银行帐户,以满足商户日益增长的需求。在越南,已有超过十间银行能够接收来自虚拟银行帐户的款项,而自动柜员机、二维码或电子钱包等支付方式也可被接受。若经过批准,甚至能进行场外银行交易。 接触更多客户群 凭着灵活的结算时间、支援多种货币交易、托管支付页面、流动支付、批量支付及跨国交易等功能,越南客户在选择线上支付供应商时完全不乏选择。立即与领导业界的供应商联系,开始为您的客户提供优质服务。要在激烈的竞争中抢占先机,就要投资在专业的线上支付方案,以吸纳来自东南亚市场的客户。
要提供流畅的线上客户体验,需要快速、安全及简易的付款过程。质素高且专业的电子商贸支付闸道有望推动客户增长,以及提升客户忠诚度。支付过程是电子商贸业务的命脉,因此,一间网上商店的成败很大程度上取决于商户是否选择合适的线上支付方案。 什么是「支付闸道」? 在网上商店中提供付款功能的系统和基础建设称为「电子商贸支付闸道」,它让商户能够以安全的方式收款和管理款项,并减低受欺诈的风险,有助处理网站之间的交易。简单来说,可以将其视为一间网店的收银机。 什么是「商户帐户」? 「商户帐户」是在东南亚线上支付方案中经常出现的用语,意指用于接收来自扣帐卡及信用卡支付款项的特殊银行帐户。由于商户帐户会在特定时间内保留资金,因此与普通银行帐户不同,银行一般会将商户帐户中的款项分批处理。 若要选择东南亚地区的线上支付方案,应考虑以下主要因素: 1. 支付种类 客户可以多种方式进行线上支付,当中最常见的是传统方式 — 需要输入信用卡或扣帐卡资料进行支付,亦不乏其他逐渐普及的支付方式。此外,透过认可的支付供应商进行交易,可无需输入有关运输、账单和卡类资料,只需输入密码即可完成交易。 2. 货币种类/当地货币结算 您的网上业务能否接纳来自世界各地的消费者?如今线上零售业务已跨越地域界限,跨境交易量庞大,其中亚太区市场尤为重要。若要将货品运送至此类市场,您需要确保网上系统能处理付款交易。更重要的是,您需要确保支付闸道能连接至商户可用之银行帐户,并兑换成您希望接受的货币。 3. 拥有托管系统的支付闸道 电子商贸支付闸道是否拥有托管系统,在于经过托管系统的闸道会在付款阶段,将顾客导向至网店以外的网站,在完成付款后,再将顾客重新导向至网店内。这些闸道虽然较容易被建立及设置,但同时会打断购物流程,顾客在被导向至第三方网站时,可能会产生顾虑,最终可能影响整体的客户体验,造成销量下降。 4. 成本 对任何企业而言,成本都是主要的考虑因素之一。由于成本会因不同供应商而有所分别,因此在选择电子商贸支付闸道时,需要注意某些所需费用,例如他们通常设有基础设置费用,以支付您的商户帐户的申请及整合费用。有关东南亚地区的线上支付方案供应商收费,当中亦存在许多差异。从每笔交易中收取小量百分比的费用,称为「商户折扣费率」。 不幸的是,所有电子商贸企业都面临着一个日益严重的问题 — 网络诈骗,无论是商户的品牌声誉或业务,都有可能会因网络诈骗活动而蒙受重大损失。长远来说,选择最安全的电子商贸支付闸道乃明智之举。因此,所有线上支付闸道必须具备数据加密功能。 请与经验充足、领导市场的专业支付服务供应商联系。