TOP
联络我们
| EN

PA 博客

如果您是一间电子商贸方案供应商,您的合作网站必须适合流动设备使用,意味着顾客应该能够轻易使用流动设备付款。与桌上电脑相比,顾客在使用流动设备时,与网店的互动率会较低,因为他们在使用流动设备购物时,通常同时在看电视、谈话、排队等。因此,简化购买和结帐流程非常重要,以下是一些建议做法。 提供多种传统及第三方付款方式 您的网店应支援电子钱包支付。同时,顾客可能希望透过Neteller、Skrill或PayPal等线上第三方电子支付技术付款,您可以在订单确认页面上,向顾客提供这些选项。 您的顾客也可能希望以支票或银行转帐的方式付款,在某些国家或地区中,许多人仍在沿用这些传统方法。您可以在网站上留下电话号码,方便有意以银行转账付款的买家直接与您联系。 尽管使用这些付款方式的顾客占少数,但您亦应在网站内进行相关设置。 面向国际市场 — 国家之间的差异 如果您的网店希望迎合国际市场,就应该考虑来自不同国家的买家需要。记得仔细研究目标市场常用的支付方式,并向他们提供合适的选项。以中国为例,与西方和欧洲国家相比,中国在电子商贸支付闸道方面,需要一套截然不同的应用程式;以加拿大和美国来说,大部份人都是以消费卡作为付款方式。 为您的顾客提供多元化付款方式非常重要,这样他们就可以更容易地得悉你有对他们国家的消费及支付习惯作出深入研究。此外,这也可以提升顾客的满意度、降低顾客中途放弃交易的机率、以及更高的安全保障,对您和顾客都是双赢的局面。 流动支付方案供应商提供的服务林林总总,要踏出第一步,作出正确选择并不容易,但其实要在网店和结帐流程中添加更多付款选项,是有明确需要的。重要的是,不要被科技带来的障碍击倒,迎难而上是营商的必经之路。 随着流动支付的交易额持续增长,甚至超出了桌上型电脑的表现,作为零售商的您,必须以流动装置作为重心,发展您的电子商贸业务,这有助改善整体顾客体验,尤其是结帐流程。而销售额下降的最大原因,正正是因为顾客结帐过程中途放弃交易。 当你的网店能够提供广泛的流动支付选项时,就能全方位满足顾客的需要,随之而来的是更多的交易、销售额和收入。归根结底,每个电子商贸方案供应商都希望在当今严峻的商业环境中保持竞争力,而您的业务亦一样。因此,只需踏出简单一步,采用以上措施,也可为你的业务带来前所未有的收益。
流动支付是指在流动装备或智能手机上完成交易,如果您正从事电子商贸,那么您应该已经体会到流动支付技术对零售业的巨大影响力。流动支付正在颠覆了传统的支付方式。随着越来越多人使用流动支付,作为零售商,您必须了解流动支付带来的变革,以及相应的准备措施。 更优质的客户服务 流动设备和智能手机正在迅速攻陷广大消费者的日常生活,亦为企业带来了庞大的机会,以提供更优质的客户服务。虽然信用卡在数十年前已经出现,但相对上流动设备仍然是一种较新颖的潮流。信用卡和扣帐卡的出现,让民众无需随身携带现金,令支付过程更轻松。通过电子支付技术,消费者现可于在数码世界进行交易。 流动支付用户需要可控性及便利性,预计未来每个数码设备都会与商务有所关联。在这个趋势下,每个人都希望在购物和付款时,可享有更多选择。作为一个零售商,您需要利用各种优惠及合作关系,为您的客户提供最佳的购物体验。 即使流动支付方案已经存在多年,但如Apple Pay之类的选择仍为流动支付领域注入了崭新的动力。这种付款方式非常注重安全性和简便性,因此得以在消费者和商户中迅速普及。 收集用户数据 其中一个改进消费者流动购物体验的方法之一,就是利用个人及购物数据来吸引顾客。许多流动电子商贸支付闸道目前不支援收集客户数据的功能,但是,如果您希望在商业世界中保持竞争力及创造力,就要尽量保存客户数据,因为这些数据可以为您的顾客提供针对性的购物推荐,推出个人化的广告,以吸引客户进行更多消费行为等等。 消费者想要掌控一切 如果您从事电子商贸,了解消费者的行为和心理状态则非常重要。大多数消费者都希望能够自主购买过程。无论是日常用品、快餐店,甚至便利店等领域,流动支付的增长率都是最高。免除了支付过程中的繁琐,您可以令支付过程更无缝、更方便。其中一个令消费者自主性更高的方法,就是保护他们的个人识别资料﹙PII﹚,但亦会带来了更多数据安全问题,因为目前流动设备中的数据安全性,仍不及手提电脑或桌上电脑般安全。 透过平衡自主性及安全性,您可以创建一个购物环境,让消费者可以保护自己的身份,同时进行安全交易。当然,没有交易是绝对安全的,无论您在网店上使用哪种电子支付技术,黑客永远都会乘机行动。世上一些最复杂的系统已被恶意入侵,这个情况在很大程度上与银行的验证程序薄弱有关。请务必请求发卡银行验证客户的帐户号码,银行执行严格的验证程序亦同样重要。
如果您正从事电子商贸,您很可能已经在网店中采用了流动支付技术。我们将在下文中讨论此类付款方式的安全性,以及指导您如何设立商店,以充分善用这项技术。 流动支付是否安全? 简单而言,流动支付是安全的,当中有好多方法,例如PCI-DDS(支付卡行业资料安全标准)、SSL(安全通讯端层)、加密技术等,可以提升流动支付的安全性,这些方法有时比起传统的支付卡更安全。 为什么流动支付是安全的? 透过流动设备进行电子支付之所以安全,有以下几个原因: • 由于在流动支付过程中,付款资料不会被传送至商户,因此黑客窃取数据会困难得多。 • 消费者可以使用手机钱包,轻易监控自己的账户情况。 • 有很多第三方支付闸道,例如PayPal等,会要求消费者先登录,然后才授权付款。 • 大部分支付方案供应商公司都会遵守严格的安全标准以及身份验证流程。 如何准备开设网店? 现在您已经对流动支付拥有基本的了解,您可以开始从付款过程入手,提升网店表现。 首先,您要注册商户账户及支付闸道。如今,大多数电子商贸支付闸道,都会嵌入网店平台以发挥其功能。 商户账户充当着中介渠道,网店的销售收入在存入您的银行帐户前,将该笔款项暂存。通常支付闸道都会为您提供一个商户账户,以便您接受更多付款方式。 电子商贸方案供应商的支付闸道基本上是一个数码闸道,将消费者数据传送至处理方进行支付。同时,亦会联系银行,以授权该笔付款,然后将其存入您的账户。选择任何支付闸道时,请确保开放 API(应用程式介面)的权限,以便对网店前台进行个人化的修改。 一般情况下,在结账流程中添加支付方式选项是非常容易的动作。 注意事项 • 接受时下流行的手机钱包:当您容许顾客使用手机钱包支付,他们就可以轻松利用已经保存在手机上的资料进行付款,免除输入扣帐卡或信用卡资料的繁复流程,同时令顾客更安心。 • 简化结账表格:流动设备上复杂而冗长的结帐表格是消费者放弃交易的最大原因之一。简洁的结帐表格很重要,因为消费者通常不会花费太多时间在结帐过程中。使表格更简洁的方法有:只要求必要的资料,无须注册帐户就可结帐,对资料进行实时验证,每个版面只显示一条问题,清楚列明必须及可填的资料,当资料有误时,要提供建议。 • 减少支付步骤:与桌上电脑相比,消费者在使用手机支付时的专注程度较低,因为他们通常都是同时处理不同事项。因此,减少购买过程中复杂的步骤,就可减低顾客放弃交易的机会。
In this tough business climate, online retailers need to create interesting immersive experiences for their customers, without having any obstacles to purchase. When it comes to a mobile payment gateway, it plays a big part in the purchase process. In this article, we focus on mobile payments, what they are and how they work. A mobile payment is essentially any payment that is made via a mobile device. Usually, the process is that customers enter their credit or debit card details into an online form while checking out. This remains the most common form when it comes to mobile payment solutions. However, many other methods are growing in popularity, such as PayPal, prepaid cards, bank transfer modes of payment, mobile wallets, cryptocurrency, as well as many others. If you are an ecommerce website, then there are three main types you should be aware of: a. Traditional payment forms: This happens when the customer enters their debit or credit card information via a form through a browser. Many online stores will allow their customers to save this information, so they don’t have to repeat entering the details every time they shop. b. Mobile wallets: Many mobile online payment services will enable users to save their credit or debit card details on their phones. Certain stores even allow their customers to make the payment using mobile wallets, which removes the need to re-enter their details every single time. Nowadays, mobile wallets can be used in storefronts as an alternative to cards. NFC or near field communication allows customers to make payments at kiosks and terminals specially designed for this. c. Online wallets: These include services like PayPal, which enable users to save their debit or credit card details through a third party. This way, the online payment technology enables customers to login to their account to process their payment. There is increased security using this method, which is why many customers prefer this method. Why are Mobile Payments so Important in Ecommerce? Many retailers believe that it is enough to simply offer the traditional credit or debit card forms of payment. However, when it comes to mobile payments, it can offer an extra edge to a retailer in remaining competitive in the business. a. More mobile sales: Every year, mobile sales are growing and therefore it is essential that retailers provide a wide array of options if they want to cater to a broader spectrum of customers. This is especially true of the younger generation, which prefers a mobile payment gateway to the traditional forms of payment. b. Removing security issues: By offering mobile payment services to customers, retailers do away with a lot of the security issues. Many customers have concerns about the safety in entering their debit and credit card details online. Offering the customer, the option to checkout without having to key in their details is a big bonus. c. Streamlined options: Many streamlined options for mobile payments help in removing the friction often present during the checkout process. This can help boost conversions. Customers are able to check out on the online payment services without having to spend extra time inputting their card details. Many mobile payment techniques can help to reduce fraud for retailers. This is because every buyer is always vetted by the mobile wallet providers before such buyers can use these services. Therefore, there is lesser chance of false payments. In addition, by offering these alternatives in mobile payment, it helps the retailer to increase overall customer satisfaction, and improve customer retention as a result as well. Happy customers are more likely to re-visit your store.
We live in the era of the internet. In addition to making the world a global village and connecting people across boundaries, its applications have revolutionized every sphere of human life. In business, the Advent of the internet was the precursor to the development of e-payment technology which is the reason for the global success of the e-commerce industry. During the initial years of its inception, e-commerce relied on 'cash on delivery' as a payment option. However, with the advancements in e-payment technology, payments can be made online not only for goods and services acquired online but also for payments in offline stores. With the help of payment solution providers, merchant's can now ensure that users have a hassle free and secure payment experience. The Benefits of Online Payments Online payments have proven to be beneficial not just to customers but also to merchants. They do away with the need to carry cash around and one does not ever have to worry about running short of money. In addition to this, online payments can be made at one's convenience, all that is required is a device connected to the internet. Furthermore, through e-commerce payment gateways money is wired directly from the customer's bank accounts to the merchant's. This money trail can be easily traced and statements of the same can be procured. How does E-Payment Work? Online payments have two key players working between the customers and the merchants - the payment gateways and the payment processors. Payment gateways handle the first step involved in an online payment transaction, which is card authorization. Here, the customers enter the details of their cards and authorize the payment. The second step is the transaction settlement and payment processors take over. The information entered by the customers is communicated to the banks who in turn contact the card companies with the data. Upon confirmation from the card companies, the authorized amount is credited to the merchant's bank account and the online payment is complete. Who are E-Commerce Solution Providers? E-commerce solution providers, as the name suggests, offer solutions to any glitches or issues that merchants face with regard to payment options. They offer multiple methods of payment on a single platform and help expand the customer base. Some of the options offered include payment by credit and debit cards, e-wallets like Alipay, PayPal, etc. and payment by China Union Pay. What Makes a Good Payment Solution? A good payment solution must seamlessly integrate the various payment options made available to the customers and ensure that the payment gateways are secure. Customers must be able to follow the directions to make payment easily. For instance, one of the most popular and efficient means of payment requires customers to simply scan a QR code to make the payment. With the advancements in online payment technology, various payment options have flooded the market and payment solution providers will help merchants figure out which payment option works best for them.
The generation of this day has much easier access to sell and purchase. Thus, there is an incessant need to speed up the process. Unlike the pre-internet era, the people of today intend to make transactions with the click of a button. The online payment technology makes this process easy and secure. A number of websites have popped up to ensure that customers can make various transactions and payments through a simple click. These payment solutions save you time and effort and often give moderate cash returns on certain payments. Along with these offers, online payment methods are comparatively more secure than the other modes. You can always trace your money thus, making it tougher to misplace your money. Saves Your Time and Effort The option of online payment services has ensured that consumers save time by making their share of payments through their desk laptops or mobile phones. Consumers are no longer required to stand in long queues to make basic payments. This in turn also saves the unnecessary efforts and hassles that one has to go through to make a transaction. Providers, in turn, have ensured that consumers do not follow elaborate procedures for online payments. This helps them to have a concrete footing among the other providers as the customers prefer simpler and safer means of online transactions. So, you don’t need to remain stuck on your traditional payment methods and save your time and energy by making online payments. Transparent Payments Add to the Benefits Online payment technology has ensured that the cash flow is transparent and speedy. Customers can get easy alerts when they make a transaction from their account and they would also be informed in case a transaction was made without their knowledge. A large number of consumers had often complained about not being notified within time and thus, losing their money. But, with the option of online transactions, your information and money are safe in your device. One can easily check the history of their transactions and are not required to reveal important information to unnecessary websites. Online payment solutions are built to automatically make it a transparent transaction. The details of the transaction are shared only with the parties involved. It prohibits any third party from viewing the details thus, ensuring the security of every transaction. These payments can be made without hassles and secure to carry out. Unlimited Transactions with Credibility One of the major benefits of online payment technology is the credibility that it offers for every transaction. Consumers had often worried about their accounts being hacked or details being leaked. However, the providers have now come up with a number of artificial intelligence that prohibits and protects the account details of the consumers. Along with that, the customers can also make as many transactions per day as they may require. While traditional methods required a given number of transactions per day, mobile payment gateway does not impose such restrictions. So you can send and receive according to your wish.
Changing Trends in Payment Gateways Competition is an essential component of market dynamics. To stay on top of the race merchants must be well equipped with the latest technology and incorporate innovations into their business model. The advent of internet has revolutionized markets in that it has created a virtual market that spreads across the globe wherein merchants can sell their products and services. In order to be successful in today’s day and age, merchants must have an online platform where from customers can avail services and make easy and secure payments to procure the good or of their choice. This is where service providers of online payment services come into the picture. They help merchants navigate through the technicalities involved in online payment technology so as toensure to the users the best shopping experience possible. What are Mobile Payment Gateways? Mobile payment gateways refer to the way in which monetary transactions are made over the internet. In other words, it refers to how the money from one account is wired into another account by means of online payment technology.One of the most important decisions that an e-commerce merchant has to makeis choosing the right payment gateway. The key factors in zeroing in on a gateway are – ease of use and security of information entered. The payment process should be simple, not involving very complex steps, there must be multiple payment options and there should not be glitches as one makes payments. And it is in this regard that payment solutions are offered to merchants. Service providers offering the same help merchants ensure a seamless and reliable payment procedure. What is the Payment Solutions Offered? Online payment solution providers help merchants procure a reliable and efficient mobile payment gateway for their transactions. They offer payment solutions that are wide ranging so as to ensure a wider customer base. What this means is that they provide a payment platform that accepts payment from various sources including credit cards, debit cards, China Union Pay, Alipay, etc. The Different Types of Payment Solutions Payment via credit card is the most popular payment method preferred by customers. This is because it is universally recognized and has been proved to be secure and efficient. Despite this popularity, a lot of customers prefer China Union Pay to make their payments. This is mainly because the rate charged per transaction is far lesser than that in credit card transactions. The advancement of online payment technology has led to the creation of various other methods of payments as well including e-wallets, mobile payments, direct bank transfers, direct debits, etc. Payment via e-wallets is becoming increasingly popular in today’s market. Cards are directly linked to the customer’s bank accounts making direct transfers to the merchant account by means of a smartphone or a computer. Some of the most popular e-wallets include Alipay, PayPal, WeChat Pay, etc. Alipay offers a very simple payment procedure, scanning of a QR code using a mobile opens the payment gateway.
With the advancement in online payment technology, numerous online payment solutions have been available in the market. Merchants are increasingly preferring online payment options as they involve direct transfers from the customer’s bank to the merchant’s and does away with the need of maintaining heavy hard cash flow on a daily basis. In addition to this, customers also prefer online payments as the process of payment is quick, easy, secure and hassle-free. Thus, online payment solutions are beneficial not only to the merchants but also to the customers. Benefits to the Customers Any process that is easy to understand, quick to use is and ensures security of information is always preferred. Online payment services check all of these boxes. Merchants offer a wide range of payment options including payment via credit cards, debit cards, e-wallets like AliPay, China Union Pay, etc. This inclusivity ensures that the online payment service is available for a wider customer base. In addition to this, the payment process has been made extremely simple, to the point where all a customer has to do is scan a QR code to make payments. Online payment also does away with the need to carry cash and the right change in order to make purchases. Every transaction done online is recorded and makes it easy for the users to track the flow of money even if the receipts are missing. The best part is that one can make these payments from anywhere using a smartphone as long as there is an internet connection! Benefits to the Merchant In addition to ensuring a wider customer base, mobile payment gateways benefit the merchant in keeping track of the money flow. The banks linked to the payment gateways provide elaborate statements regarding the transactions and thus helps merchants do away with book-keeping of accounts. This saves them expenses that would have been incurred in having a clerical department. Furthermore, online payments do away with the risk of cheque bouncing and assure payment for the goods and services procured by customers. The technology involved in online payment ensures a credible flow of cash without risk. Online Payment Solutions Merchants and customers are not the only players in involved in an online payment transaction. Online payment solution providers are the middle men who help merchants navigate through the technicalities involved in the transactions. They help merchants procure the best payment gateways such that the platform chosen would cater to a wider customer base and ensures that the glitches, if any, are solved. Seamless integration of the various payment options coupled with security of information entered form the crux of payment solutions offered. These solution providers are equipped with technical experts who ensure that payments are easy to use and reliable and secure. For instance, one of the most popular payment solutions available in the market today involves scanning of QR codes to make direct payments. This does away with the need to feed in card details every time.
Payment Asia joined HKTDC SmartBiz Expo 2018 from 5-7 December to exhibit our latest one-stop ecommerce solutions to merchants. We gave a brief public seminar to introduce the necessity of integrated ebusiness solution amid the digital and mobile age. We received merchants wholeheartedly sharing of their first-hand experience in practical operation. Here we would like to thank you to all who remind us what merchants need.