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电子商贸现正急速发展,很多科技公司都正为全球电子商贸企业提供各式各样的商户服务,而线上支付科技在电子商贸支付方案的基础上担当着重要的角色。如今,大部分的服务供应商都面临着激烈的竞争,以成为各行各业最常用的支付服务供应商。正因为线上支付科技发展迅速,因此在寻求合适方案解决业务需求时,可能会造成很大的困惑。以下是选择方案时,您须注意的事项: 您需要的是哪种支付方案? 如果您正经营一家小型企业,需要自行管理所有事务,那您应该选择能够提供支援的支付服务商。然而,使用支付闸道前,您需要在银行设立商用帐户。因此,需要设立多少个商用帐户,取决于您选择的线上支付技术方案。 比较价钱 线上支付技术的费用会根据您选择的服务而有所不同。当中也可能存在一些隐藏收费、按月或按量收费,或者在固定费用中加价,这些费用都会影响您的盈利能力。因此,最好的做法就是比较不同的方案,看看哪个方案会对您的业务造成最大的影响。 顾客是否需要到另一网站付款? 托管性的支付方案会将顾客重新导向至支付处理方的平台,以输入付款资料。服务供应商会确保顾客的资料安全性,并符合支付卡产业(PCI)的安全标准。然而,如果您希望更主导地控制交易流程和品牌形象,那么整合方案就是您的首选。在整合方案中,您将完全控制结帐流程,顾客无需离开您的网站也可完成支付。 交易所需时间 商户在交易后收到款项所需的时间可能会有所不同,视乎服务的设置方式和您所选择的支付方案。比较各种支付方案是选择合适的线上支付技术的关键。 分析目标市场 研究目标市场是一件好事,因为您的目标群众会希望使用当地的货币付款。某些支付方案在收取外币款项时,会收取额外费用。如果您打算将业务扩展至不同国家,就最好选择能够切合业务未来发展的线上支付技术服务商。
香港的电子商贸市场具有巨大潜力,为商户带来机会处处的环境。尽管大多数人仍对信用卡或扣帐卡等传统支付方式感到满意,但重大的改变指日可待。香港有许多线上支付闸道愈趋普及,多渠道付款方式的选择也愈来愈多。然而,愈来愈多的商户开始转向统一渠道支付方案,以改善业务成效。如果您打算将支付方案由多渠道转型至统一渠道,请注意以下几个因素: 与后勤工作流程同步 为了与后勤工作流程同步,商户必须创建一个可靠的客户关系管理(CRM)系统。另一个要点是管理如支付卡产业(PCI)合规要求等安全要素,同时提供有助改善业务的个人化购物体验。 了解您的顾客 在切换到统一渠道支付方案时,商户必须了解顾客的类型及消费模式 — 研究顾客的消费模式、喜好及偏好,改善库存管理,以及创立顾客忠诚计划和促销活动,为企业带来长远收益。 创建通用购物车 拥有统一渠道支付方案的最大好处就是能建立通用的购物车功能,无论顾客使用流动应用程式、网站还是店内摊位登录您的网站,通用购物车都能让顾客拥有顺畅无阻的购物体验。 多个销售点终端可供选择 传统上,商户只会使用单一固定的销售点终端,而线上支付闸道则容许商户提供多种支付方式,令顾客享受无忧的支付体验。顾客可以选择透过在线上、流动应用程式、实体店,甚至可穿戴设备,以进行付款。 确保交易安全 在统一渠道支付方案中,进行交易不仅要轻松快捷,还要确保安全。为了防止欺诈和诈骗行为的发生,商户必须确保他们选择的支付服务供应商(PSP)经过支付卡产业资料安全标准(PCI-DSS)认证,并且必须遵守所有必要的安全法规。 拥抱及接纳新科技,可以帮助简化顾客的购物流程,同时有助提升销售,助您达至全新的境界。如今的顾客大多数都与零售商有多个接触的媒介。因此,尽量使每个接触媒介无缝流畅地运行也是至关重要。在当今市场中,商户不可能强迫顾客坚持使用单一支付渠道。使用统一渠道支付方案的奥妙之处在于,它将所有接触媒介结合,为顾客带来一致和统一的体验。
开设一间企业时,尤其是当您需要决定支付系统,您可能会感到颇为困惑。要确保支付系统运作畅顺,具经济效益,而且交易量理想,选择合适的合作伙伴非常重要。在探讨技术层面的议题前,不妨先了解什么是「支付服务供应商」。 支付服务供应商(PSP)为消费者和商户提供多一种交易方式的选择,有助简化交易过程,同时协助商户与各家金融机构、消费者及消费卡品牌连接。线上支付服务有分多种方式,且具灵活性,是传统银行帐户的绝佳替代方案。您可以选择不同的支付服务,并随时更改。要为您的业务选择合适的服务供应商,您可能需要考虑以下有关技术层面的因素︰ 1. 语言环境 您的目标群众是否以当地人为主?还是您想在不久的将来,将业务扩展到全球各地?不同的支付服务供应商能够发挥的效能均有不同,因此您需要根据业务性质,而选择本地或国际服务供应商。 2. 流动性 相信每一名消费者都会选择简单快捷的支付方式,因此,如果该支付服务供应商能够提供简洁易用、方便流动装置使用的支付介面,必然大加分数。 3. 兼容性 能够与各种线上支付服务兼容的支付服务供应商会是您的首选,所以要留意供应商能够支援的各种支付模组,例如重新导向及应用程式介面(API)连接等功能,可为您的业务带来益处。 4. 安全性 其中一个最重要的考虑因素,就是支付服务供应商如何降低欺诈风险。大多数供应商都必须符合支付卡行业资料安全标准(PCI-DSS)等规定,因此在作出选择时,亦要确保供应商已取得认证,并遵循有关安全协议。 5. 各种费用 大多数支付服务供应商都会根据交易数量和销售金额而作出不同的收费,当中可能包含取消交易费用、支付服务安装费,以及每月固定的收费。因此,在作出选择前,请考虑及分析各方面的情况。 6. 只需选择您需要的服务 某些支付服务供应商可能会提供您未必需要的服务,因此您要清楚了解自己的需要,此举可节省大量成本,更可帮助您去选择最切合业务需要的服务供应商。 您在选择服务供应商时,可能会感到花多眼乱,但是也需清楚了解他们的特性,因为这将会有助您去选择最切合业务需求的供应商。
电子支付技术正在逐渐流行,与现金、支票或实体卡等传统支付方式相比,如今民众大多都选择进行线上交易,因此,为业务选择合适的支付服务供应商非常重要。当您选择线上支付服务供应商之前,应留意以下几点︰ 1. 付款过程是否安全 选择线上支付服务供应商的其中一个最重要考虑因素就是安全性。您需要选择采用最新技术的处理商,例如采用点对点加密及欺诈管理工具等技术,以确保顾客付款过程的安全。当然,要验证该服务供应商是否安全,也有另外多种方法。其中,要确保该供应商已取得中央银行或当地金融监管机构的所有必要许可,并且遵守所有法规。 2. 付款处理费用 尽管市面上某些线上支付服务供应商会向您开出吸引的报价,但当中可能涉及隐藏费用,这些收费甚至可能会令您蒙受损失!因此,在选择供应商前,最好对他们的收费项目作出比较,也要充分了解每项收费,包括月费、处理费、订阅费、超出每月配额费用等。这些费用积少成多,可能会造成庞大的财务负担,因此在选择供应商之前,必先计算最终要支付的费用。 3. 易于使用及维护 大部分线上支付服务供应商都允许商户设立帐户作测试之用,您可以借此为自己及顾客测试其介面是否易于使用。结帐程序越简单,转换率就越高。在维护方面,若支付网页经常出现故障,而需要进行多次维护工作,这绝对会影响您的业务。因此页面维护程序必须简易,才能令业务稳步发展。 4. 客户支援 有些线上支付服务供应商可能在您完成设置程序后,便消失得无影无踪,令您落得独自面对疑难的困境。因此,您需要选择能够有效向客户提供支援的服务供应商,让您可以透过电子邮件、即时线上对话或电话的方式,与他们联系,以获得全方位的支援。 5. 付款方式 最后,您要选择一个能够支援所需付款方式的线上支付服务供应商,建议您为业务选择支付闸道前,列出可能需要的各种付款方式。
Payment gateways are an essential component of eCommerce websites, without that payment transactions will not happen. Read on to find more about types of online payment gateways and its advantages and disadvantages. Payment Gateways: A Brief The payment gateway is a software application that acts as a conduit between an eCommerce website and the issuing bank that authorizes or denies payment transactions. Without a payment gateway, you cannot process the payment further to receive the money. Transactions on online platforms are done as card not present situation, and the merchant will have to rely on the data provided by the customer. The payment gateways offer security via encryption, authorization request and fulfillment of the transaction. The eCommerce service providers offer three different ways to integrate a payment gateway to your website. Redirects: A Convenient Choice The redirect method is an easy and quick solution to integrate a payment gateway to your website. Here, the customer is redirected to a payment page from your website. The major advantage is its simplicity. It’s a plug-and-play method and the merchants need not worry about PCI DSS compliance hassles. Your website will not need any enhancements and thus it saves the cost. A small business can use the convenience and safety offered by the payment gateway providers. However, this method means a two-step payment experience for your customer. Incidents of abandoned carts may happen as the customer leaves the page to complete a transaction. The merchant will have less control over the process. A different webpage may not offer the same experience that you want your customers to have. Direct Post Method: Check-out Onsite and Payment Offsite In the direct post method, the form which collects the customer’s financial information is served from your web server, but, then the data is forwarded to a secure online payment gateway and the actual transaction is done in the offsite. Here, the customer data is not handled on your website. The front-end check-out is from your webpage, where the transaction is done in the back end. The advantage is that you can maintain the branding of your website to an extent. Your website need not be PCI compliant. However, the merchant will not full control over the customer experience. Onsite Payments: Server Integration Method The server integration method or SIM provides the option to handle payments on your website, even though the actual transaction is done by an eCommerce service provider. All the forms are displayed on your website. The payment gateway provider handles all the steps like data collection, submission and the response to the customer. But the customer never leaves the page or made aware of this change. With this, you can maintain the look and style of customer experience to your expectations. However, you need to invest in web designing and compliance requirements. This method is used by medium to large scale businesses with a trustworthy brand.
Payment gateways are an essential component of eCommerce websites, without that payment transactions will not happen. Read on to find more about types of online payment gateways and its advantages and disadvantages. Payment Gateways: A Brief The payment gateway is a software application that acts as a conduit between an eCommerce website and the issuing bank that authorizes or denies payment transactions. Without a payment gateway, you cannot process the payment further to receive the money. Transactions on online platforms are done as card not present situation, and the merchant will have to rely on the data provided by the customer. The payment gateways offer security via encryption, authorization request and fulfillment of the transaction. The eCommerce service providers offer three different ways to integrate a payment gateway to your website. Redirects: A Convenient Choice The redirect method is an easy and quick solution to integrate a payment gateway to your website. Here, the customer is redirected to a payment page from your website. The major advantage is its simplicity. It’s a plug-and-play method and the merchants need not worry about PCI DSS compliance hassles. Your website will not need any enhancements and thus it saves the cost. A small business can use the convenience and safety offered by the payment gateway providers. However, this method means a two-step payment experience for your customer. Incidents of abandoned carts may happen as the customer leaves the page to complete a transaction. The merchant will have less control over the process. A different webpage may not offer the same experience that you want your customers to have. Direct Post Method: Check-out Onsite and Payment Offsite In the direct post method, the form which collects the customer’s financial information is served from your web server, but, then the data is forwarded to a secure online payment gateway and the actual transaction is done in the offsite. Here, the customer data is not handled on your website. The front-end check-out is from your webpage, where the transaction is done in the back end. The advantage is that you can maintain the branding of your website to an extent. Your website need not be PCI compliant. However, the merchant will not full control over the customer experience. Onsite Payments: Server Integration Method The server integration method or SIM provides the option to handle payments on your website, even though the actual transaction is done by an eCommerce service provider. All the forms are displayed on your website. The payment gateway provider handles all the steps like data collection, submission and the response to the customer. But the customer never leaves the page or made aware of this change. With this, you can maintain the look and style of customer experience to your expectations. However, you need to invest in web designing and compliance requirements. This method is used by medium to large scale businesses with a trustworthy brand.
There is nothing like a secure, quick and easy payment solution that can take place any time anywhere. Online payment service providers offer their services to aid the merchants to run the transactions on their websites. Here are a few considerations on how to choose the right service for you. Know Your Customers and their Requirements Customers are making more and more online payments in these days, and they have a variety of options. You need to offer multiple billing and payment methods to keep your customer experience at par with your expectations. It can reduce the time taken for a transaction if you have a number of convenient options to offer. Preferences by Customers: Decide the Method The shopping carts go abandoned if you don’t give attention to the customers’ experience. You need to choose from different methods available for eCommerce payment gateways. In the redirect method, the payment gateway takes the customer to a payment page to complete the transaction. Simplicity is the advantage of this system. A small scalemerchant can incorporate redirect-gateway to their page without any hassles.However, the merchant has less control over the process and the customer will have two steps to complete the payment. Payment off-site option allows front-end transactions, but the actual process behind is through the gateway. The onsite payment method allows the transactions to be done on their own website. Based on your brand-value, size of the business, type of customers, and requirement of the appearance of your website you can choose the method of payment gateway. Security Standards of the Providers You will surely want to work with a PCI compliant online payment service provider. The PCI DSS or Payment Card Industry Data Security Standard is the system of standards that upholdsa security compliance system for the e-world.Before you sign-off on any payment gateway, make sure they maintain PCI compliance. The standards are meant to protect the sensitive data of customer’s payment information. If your service provider is PCI compliant that means you can trust their process of encryption. The Reputation of Service Provider Your customers would be concerned over the security of their financial data at the checkout. The eCommerce payment gateway you choose should be from reputed online service providers. A sketchy payment gateway will increase the chance of abandoned shopping carts. Focus on large payment gateway providers with established brand value. The brand recognition will work in your favor, highlight the security efforts and encourage the customer to continue shopping. Research with your key priorities in your mind before you chooses the provider. Look for the per transaction rate to understand how the choice of the gateway will impact your bottom line. Make sure compliance with security standards. Understand what your customers want.
现今世代,越来越多人在购买服务或商品时,都偏好在家购物多于光顾实体商店,这个现象亦成为了当代人的老生常谈。线上购物令客户不受实体店中的商品库存限制,而对于商户来说,这也是提高销售量及接触更多潜在顾客的黄金机会。为了让销售过程更流畅安全,您需要考虑在网店整合支付闸道功能。 什么是支付闸道? 支付闸道服务供应商简化了支付授权的程序。支付闸道是一组可以将网站连接到银行的应用程序,让顾客户可以简单地付款。电子商贸网站、其他容许客户线上付款的服务供应商、任何线上收款的机构,甚至是接受电子付款的实体店都可以使用支付闸道服务。支付闸道充当着电子收银机的角色,在电子商贸网站销售过程的最后一步发挥作用,没有支付闸道的协助,您将无法安全地就产品或服务向顾客收费。 支付闸道的功能 对于顾客而言,支付闸道是线上支付平台上,一个简单直接的过程:选择产品或服务并将其添加到购物车中,输入付款资料,然后结帐。然而,背后的过程非常复杂。当顾客在线上支付平台进行订购并输入付款资料时,该线上交易将被处理为「无卡交易」。支付闸道会加密顾客浏览器及零售商服务器之间的数据。当金融机构批准支付处理方继续进行交易时,支付处理方就会向支付闸道发出授权请求。支付闸道授权交易后,网站及界面就可以进行下一个步骤。 「加密」、「授权请求」及「完成交易」都是支付闸道的安全功能。 支付网关与支付处理方 通常支付处理方是指由商户指定的第三方公司,用于处理线上支付平台上的金融交易。支付处理方会分析交易数据并将其传送至发行银行,而支付闸道也可以快速、经济及便捷地完成这项工作,在无需创建商户帐号的情况下接受交易付款。作为商户,您可以与支付闸道服务供应商进行申请,即日开始处理付款。 不同种类的支付闸道 支付闸道将顾客引导至付款页面,以完成交易的动作,称为「重新导向」。该套系统的优点在于简单 — 小型商户可以在网站上采用重新导向闸道。但是,商户对于付款过程的主导权会较少,并且需要完成两个步骤以完成支付。在网站外的付款页面所进行的前端交易,实际上背后是通过闸道进行;而在同一网站付款,则能够在自己的网站上进行交易。
Online payments have become the norm these days, and for the world, it looks like a simple process. But when you look for an eCommerce solution provider for your business, you realize that there are many terms, probably you have never heard of. Read on to become familiar with some important terms you should know when you deal with online payment platforms. Acquiring Bank The financial institution that underwrites and processes debit or credit card payments on behalf of your online business is known as acquiring bank or an acquirer. The acquirers are a part of an association such as Master Card or Visa and allow you, the merchant, to accept the card payments from card-issuing banks within the association. They either approve or decline a transaction based on the information available on the cardholder with card association and issuing bank. The transactions can include purchases, refunds, chargebacks, etc. Issuing Bank The financial institution that issues debit or credit cards directly to the customers on behalf of the card network is known as issuing bank or issuer. It acts as a middle-man for the consumer and cards association and contracts with the cardholders on the terms of repayment of transactions done wherever applicable. You can identify the issuing bank easily as it is available on the card. Merchant Account Another term you come to use when you start on online payment platforms is merchant account. Your business should have a merchant account when you enter into a contract with an acquiring bank. This is a type of commercial bank account that allows your business to accept and process electronic payment transactions. A transaction is said to be completed when the acquiring bank accepts the payment from the customer and deposits the amount into the merchant account. The merchant account pays out the money to the business bank account later. You need to partner with a merchant acquiring bank who facilitates all communications in an online payment transaction. Chargebacks or Payment Reversals Payment reversal or chargeback is a customer protection mechanism where a customer receives the fund back from a transaction. The transaction is reimbursed either to the merchant or to the customer, based on the case. This could be due to customer disputes, authorization reversal or refunds. Examples for such situations may include non-receipt of products, drastic differences between the product delivered and advertised, usage of credit cards without the authorization of cardholder, etc. Acquiring banks set a ratio of reversals with total sales, which should not be surpassed. Your business will have serious consequences if you process a large number of chargebacks that exceed the limit of set ratio. The eCommerce solution providers offer a variety of products and services such as mobile payment solutions, omnichannel solutions, payment gateway, etc. Look for eCommerce management companies who can provide you with comprehensive and cost-effective solutions that are secure and innovative to take your business to new heights.