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我们生于互联网时代,除了拉近了世界各地的距离外,互联网还彻底改变了人类的生活方式。在商业层面,互联网的出现是电子支付技术发展的先驱,亦是电子商贸行业在全球取得成功的原因。在发展初期,电子商贸依靠「货到付款」作为一种支付方式。但随着电子支付技术的进步,人们不但可以在线上购物时即时付款,亦能在实体店内进行电子支付。在支付方案供应商的帮助下,商户现在可以确保顾客拥有无忧无虑,而且绝对安全的支付体验。 线上支付的好处 事实证明,线上支付对客户及商户均有所益处 — 双方都无需随身携带现金,而且不必担心身上现金不足。除此之外,线上支付使用方便,用家只需要一个能够连接互联网的装备。此外,透过电子商贸支付闸道,资金直接从顾客的银行账户汇入商户的账户,能够轻松追踪交易,并获得帐单。 电子支付如何运作? 在顾客和商户之间,线上支付担当两个重要的角色 — 支付闸道及支付处理方。支付闸道负责处理线上交易的第一步,即消费卡授权。在过程中,顾客输入消费卡资料并授权付款。第二步,则是交易结算及支付处理。顾客输入的资料会传送至银行,银行又会与消费卡公司联系并提供数据。经消费卡公司确认后,获授权的交易金额会记入商户的银行账户,整笔线上支付为之完成。 谁是电子商贸方案供应商? 顾名思义,电子商贸方案供应商为商户在支付选项上面临的任何问题提供解决方案。他们在一个平台上提供多种支付方式,以帮助商户扩大客户群,当中的支付方式包括信用卡、扣帐卡、支付宝、PayPal 等电子钱包,以及中国银联支付。 怎样才算是一套优质的支付方案? 一套优质的支付方案,必须无缝整合各种支付方式,并确保支付闸道安全,顾客必须能够按照指示,轻松付款。以现今最流行、最有效的支付方式之一为例,顾客只需扫描二维码即可付款。随着线上支付技术的进步,市面上充斥着各种支付方式,支付方案供应商将协助商户找出最适合他们的支付方式。
一买一卖,对现代人来说是轻而易举的事,因此交易速度成为了更高层次的追求。与互联网出现前的时代不同,现时人们更喜欢快捷的购物方式,而线上支付技术则令交易过程变得简易又安全。众多网站纷纷涌现,确保消费者能够透过简单点击,以各种支付方式进行交易。这些支付方案可以为您节省时间精力,某些付款方式更有时可享有现金回赠!此外,线上支付亦较为安全,您可以随时追踪资金走向,更有效地管理财务。 节省时间及精力 线上支付服务让消费者可以透过电脑或手机进行支付,节省更多时间,例如不需再花时间排队,便可以支付日常必要开支,同时亦省却了交易时不必要的麻烦。另一方面,支付服务供应商亦需确保消费者在进行线上支付是无需遵循繁复的手续程序。由于网上交易过程更简易、更安全,因此这类服务供应商均能够在行业中保持竞争力。你无需被传统支付方式所困,投入线上支付的行列,节省更多时间及精力! 具透明度的付款方式 线上支付成就了现金流的透明度及速度,当银行帐户出现变动,消费者都会立即收到通知。很多消费者都会抱怨没有及时收到通知,因而蒙受金钱损失。但透过线上交易,你的个人资料和金钱都会在你的设备中安全保存。你毋需向不必要的网站透露重要资料,就能轻易查阅交易记录。线上支付方案自动化地进行具透明度的交易,交易详情只供有关人士参阅,禁止任何第三方查阅,确保每笔交易的安全性,而且过程快速方便。 无限兼可靠的交易 线上支付的其中一个卖点,就是其可信性。消费者有时会担心帐户被黑客入侵,或泄露个人资料。然而,服务供应商现时透过人工智能科技,禁止泄露及保护帐户中的客户资料。同时,与传统支付方式不同,流动支付闸道并不设有每日交易额上限,因此你可以随心所欲地进行交易。
「竞争」是市场动力的必要一环,要保持竞争力,商户必须具备最新科技,并将创新理念融入商业运作模式。互联网的出现彻底改变了商业市场,创造了一个遍布全球的虚拟市场,让商户售卖产品及服务。要在这个世代中突围而出,商户必须拥有一个线上平台,让顾客可以在该平台上获得服务,并进行简易又安全的支付程序,线上支付服务供应商亦因此应运而生。他们帮助商户了解线上支付科技所涉及的技术细节,以确保顾客能够享受最优质的购物体验。 什么是流动支付闸道? 「流动支付闸道」是指通过互联网进行货币交易的方式。换句话说,它意指通过线上支付技术,在帐户之间转移资金。选择合适的支付闸道是其中一个电子商户必须作出的最重要决定。成为一个成功的交易闸道的关键因素是操作简易,以及资料的安全性。付款过程应该保持简单、不涉及繁复的步骤、必须设有多种付款方式,并且在付款时不应出现故障,而以上正是支付方案出现的原因。能够提供以上服务的供应商可帮助商户确保支付过程无缝可靠。 支付方案包含什么服务? 线上支付方案供应商会协助商户寻找可靠有效的流动支付闸道。他们亦提供广泛的支付方案,以迎合不同消费者需要,即是他们会提供一个接受多种支付方案,例如信用卡、扣账卡、中国银联及支付宝等的支付平台。 不同类型的支付方案 信用卡是最受消费者欢迎的付款方式,因为它既通用又安全和有效率。除此之外,亦有不少人喜欢以中国银联进行支付。主要是因为每笔交易收取的手续费远低于信用卡交易费。随着线上支付技术的进步,各种支付方式亦应运而生,例如电子钱包、流动支付、银行转账及直接扣帐等。电子钱包支付如今越来越受欢迎 — 银行卡直接连接消费者银行帐户,透过智能电话或电脑,直接将资金转账至商户的银行帐户。支付宝、PayPal、微信支付等,都是当今最流行的电子钱包。支付宝的付款程序非常简单,使用手机扫描二维码即可打开支付闸道。
随着线上支付技术日益进步,市场上出现了多种线上支付方案。商户越来越偏好线上支付,因为可直接从顾客的银行帐户转账至商户,不需要每天维持大量的现金流。除此之外,顾客亦同样偏爱线上支付,因为支付过程快速、简单、安全无忧。因此,线上支付方案不仅有利于商户,对顾客亦有好处。 对顾客的好处 每个人都喜欢简洁易明、方便快捷,而且能确保资讯安全的流程,而线上支付服务就能满足以上所有条件。商户提供多种支付方式,包括信用卡、扣帐卡、支付宝等电子钱包、中国银联支付。这种包容性令更多顾客能够享用线上支付服务。除此之外,付款过程变得非常简单,客户只需扫描二维码即可付款。线上支付更免除了携带现金和找赎的麻烦。每笔线上交易都会被记录,即使遗失收据,用户也可以轻松追踪资金流向。最大的好处是,只要能够连接互联网,就可以透过智能手机,在世界任何角落进行付款! 对商户的好处 除了能接触更多顾客,流动支付闸道亦能协助商户追踪资金流向。与支付闸道相连的银行能提供有关交易的详细资料,减轻商户的记账负担,节省了文书部门的行政费用。此外,线上支付亦免除了支票被退回的风险,并确保付款流程顺畅。而线上支付所运用的技术,能确保现金流可靠、零风险。 线上支付方案 商户和顾客并非线上支付交易的唯一参与者 — 线上支付方案供应商担当着中间人角色,帮助商户了解交易中涉及的技术细节。他们帮助商户选用最适合的支付闸道,迎合更广泛的客户群,并为商户确保解决问题。各种支付选项的无缝整合以及资讯安全性,是优质支付方案的关键。这些方案供应商拥有专家技术团队,确保付款过程方便、安全、可靠。例如,现时最流行的支付方案包括扫描二维码以进行直接支付,减省了每次输入支付卡资料的麻烦。
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.
William Hung, Payment Asia: "We decided to invest in blockchain in order to maintain the quality of our payment solutions and assist merchants with access to the new-era technology" The birth of blockchain in 2008 (when Satoshi Makamoto first published his astonishing solution of The Byzantine Generals’ Problem) exhibited how proof-of-work chain could be facilitated without passing through the centralised and trusted third-parties. The speculation of bitcoin, the blockchain-backed cryptocurrency created by the enigmatic Mr. Makamoto, which came afterwards, generates an amount of wealth. When time goes by, the financial world realises, even though the boom has burst, that blockchain could be applied in wide ranges of commercial and financial transactions. The development of payment solutions is exactly part of the evolving story. From centralised to distributed ledger In modern business world, merchants often rely on centralised and trusted third parties, like banks, accountants, auditors and lawyers etc., to verify or record any transaction. Before the birth of the Internet, all words or figures were written or printed in black and white. In the age of the Internet, the practices are more environmental-friendly as those words or figures are electronically stored in physical or cloud servers. Still, one big problem remains: no matter in paper or electronic form, nobody can assure the third parties would not fail to perform, either technically or credibly. The Enron scandal told us even a worldwide known accountancy firm would fall down due to the destruction of its credibility. The existence of blockchain is exactly a breakthrough to tackle the issue. Blockchain, or called distributed ledger technology (DLT), originally is the technical element that supports bitcoin to bypass centralised and trusted intermediaries and verification processes to record transactions immutably. Each ‘block’ records part of the information related to all transactions. Blocks are encrypted and arranged in order by time to form a ‘chain’. All authorised parties share the same ledger. When one party changes a record (say adding a new transaction or editing a previous transaction), a new ‘block’ containing the new information will be added at the end of the encrypted ‘chain’ in terms of timeframe to show it is the latest mark of changes. It is a shared ledger, so no single party owns it, and nobody can corrupt it (i.e. everybody will be notified for any changes). Blockchain, payment and smart contract Amid the speculation around bitcoin, the distributive feature of the technology is now being recognised by government watchdogs and financial institutions around the world. The US Federal Reserve issued Distributed Ledger Technology in Payment, Clearing and Settlement in December 2016 to present its extensive research on the applicability of blockchain in financial trading and payment solutions. The research paper highlights the fact that blockchain may help speed up and simplify the current slow and cumbersome cross-border payments processes. The Bank of England in The Macroeconomics of Central Bank Issued Digital Currencies examines a digital currency backed by DLT that may help reduce interest rates, distortionary taxes and transaction costs, which eventually benefit the economy. Another hot discussed blockchain-based element is smart contract, a computer program that automatically performs some actions (terms or conditions) of a contract once the pre-defined conditions are fulfilled. Still, there are technical constraints of blockchain left to be overcome. As the Federal Reserve report notes, the number of concurrent transactions of some blockchain technologies are limited by their algorithm and cryptographic verification, and the continuous extension of blockchains may use up storage capacity quickly. Besides, the concept of smart contract, according to the Fed, may contradict with some basis in contract law, which remains to be reviewed by legal professionals. Our investment and projection of blockchain In the beginning, Payment Asia aims at riding on the express of China business and Asian economic boom, where the demand of payment gateways for facilitating intra and inter-regional trade is growing. It was in 1999, the era of Web 1.0. We are now living in the Web 3.0, where the practices in the Internet are moving away from centralisation and one-way to decentralisation and interaction. As a veteran of payment solutions business, Payment Asia is now exploring the potential of DLT for merchants in different business sectors and looking forward to implementing the cryptographic and distributive technology in the latest ecommerce practices. Of course, it takes time for computer scientists and legal experts to address the storage capacity, reliability and legal concern, but once the peer-to-peer (P2P) technology is widely applied, the time and cost of intra- and international trading and transaction would be saved. It is the reason why Payment Asia decides to invest in blockchain in order to maintain the quality of our payment solutions on the edge, and ultimately assist merchants with access to the new-era technology. We envisage the day of P2P exchange of goods and services would come to our daily life soon, and the application of DLT, like cryptocurrency and smart contract, would be the key for merchants standing out from the crowd in the foreseeable future.
非接觸式的手機支付方式近年如雨後春筍般湧現,對用家來說選擇確實多,但對商戶來講,究竟應該採用哪套支付系統才最合適? 流動支付系統的應用趨勢 聽就聽得多,廣告宣傳也不少,那麼流動支付系統在香港的普及程度有幾高?跟據今年年中的統計數字,Alipay HK及微信支付分別擁有150萬及100萬用戶已經安裝相關app並進行消費;而生產力促進局在另一項電話訪問中,調查了一千多名受訪者,當中有超過8成表示聽說過Alipay HK及微信支付,而兩者目前總共佔去流動支付市場的4成份額。 除了本地人,遊客亦是流動支付的使用對象,支付寶就公布了內地遊客在2018年暑假於境外使用支付寶消費的數字:人均消費較去年同期增長43%,而他們在香港的人均消費達到2,219元人民幣(2,549港元),金額較去年同期增加80%,交易筆數更是去年的4倍。 上述的統計正好說明,隨著科技進步,越來越多人使用流動支付消費,就連街市都陸續加入Alipay HK的行列,商戶更應及早採用相關系統,以期在流動支付這塊仍在開發的市場捷足先登。 流動支付系統與信用卡的比較 Payment Asia一站式的網上及流動支付供應商 Payment Asia是一間在1999年於香港成立的公司,主要提供電子支付及商貿業務,為來自本地以至亞洲的中小企及跨國企業,提供一站式的網上及流動支付方案,涵蓋支付方案,支付閘道及融合,以及人工智能各大範疇,可說是目前服務最完備的支付方案供應商之一。 拓展海外及本地旅客業務:Payment Asia自2007年起已和中國支付寶推廣網上收款功能,近年跟Alipay HK亦有緊密合作,既令商戶較易吸納來港遊客的消費,亦有助商戶進軍海外市場,拓展業務至世界不同的角落。 涵蓋多款另類支付方案,支付方法無障礙:各大發卡及收單機構,銀行轉帳以至是直接扣帳。 完善的管理及支援:Payment Asia設有管理平台,商戶可隨時翻閱所有交易記錄之餘,又會提供商業及核數技術基礎支援,例如分析報告及發展工具;在客戶支援服務層面,除了有全年無休的客戶服務熱線,亦設有防欺詐監控,確保帳戶安全。 發掘你的最大潛力:Payment Asia與本地著名數碼營銷公司Prizm合作,為客戶提供營銷策略、O2O轉化率、CRM等建議;而Prizm旗下的DataTech,就專注於新技術上的研發,由AI、大數據入手,令商戶不落人後,以最佳的狀態衝刺電子商貿業務。 Payment Asia為商戶提供的方案不單能完善你的收款功能,更能帶來更多的銷售及加強和客戶的關係! 對數、收款更清晰方便:透過PA Pay App,商戶能即時查閱以支付寶結帳的收款,加上手續費用比信用卡低,而且能收取支付寶的人民幣錢包和港幣錢包,並以港幣結算,不但方便了商戶,亦大大降低營運成本;除了PA Pay App,較具規模的商戶可選用POS終端機,因為終端機能提供多種支付方式如Alipay HK、微信支付及Paypal等,吸引顧客消費。 Payment Asia登記優惠 如果你對Payment Asia的服務感興趣,不妨趁這個機會申請,因為現在優惠多多!只要按此填寫申請表格,並提供相關的證明文件,即可享用試用套餐,不但可享免安裝及免年費,更可免費得到POS終端機,更多優惠詳情請按此。
William Hung, Payment Asia: "We decided to invest in blockchain in order to maintain the quality of our payment solutions and assist merchants with access to the new-era technology" The birth of blockchain in 2008 (when Satoshi Makamoto first published his astonishing solution of The Byzantine Generals’ Problem) exhibited how proof-of-work chain could be facilitated without passing through the centralised and trusted third-parties. The speculation of bitcoin, the blockchain-backed cryptocurrency created by the enigmatic Mr. Makamoto, which came afterwards, generates an amount of wealth. When time goes by, the financial world realises, even though the boom has burst, that blockchain could be applied in wide ranges of commercial and financial transactions. The development of payment solutions is exactly part of the evolving story. From centralised to distributed ledger In modern business world, merchants often rely on centralised and trusted third parties, like banks, accountants, auditors and lawyers etc., to verify or record any transaction. Before the birth of the Internet, all words or figures were written or printed in black and white. In the age of the Internet, the practices are more environmental-friendly as those words or figures are electronically stored in physical or cloud servers. Still, one big problem remains: no matter in paper or electronic form, nobody can assure the third parties would not fail to perform, either technically or credibly. The Enron scandal told us even a worldwide known accountancy firm would fall down due to the destruction of its credibility. The existence of blockchain is exactly a breakthrough to tackle the issue. Blockchain, or called distributed ledger technology (DLT), originally is the technical element that supports bitcoin to bypass centralised and trusted intermediaries and verification processes to record transactions immutably. Each ‘block’ records part of the information related to all transactions. Blocks are encrypted and arranged in order by time to form a ‘chain’. All authorised parties share the same ledger. When one party changes a record (say adding a new transaction or editing a previous transaction), a new ‘block’ containing the new information will be added at the end of the encrypted ‘chain’ in terms of timeframe to show it is the latest mark of changes. It is a shared ledger, so no single party owns it, and nobody can corrupt it (i.e. everybody will be notified for any changes). Blockchain, payment and smart contract Amid the speculation around bitcoin, the distributive feature of the technology is now being recognised by government watchdogs and financial institutions around the world. The US Federal Reserve issued Distributed Ledger Technology in Payment, Clearing and Settlement in December 2016 to present its extensive research on the applicability of blockchain in financial trading and payment solutions. The research paper highlights the fact that blockchain may help speed up and simplify the current slow and cumbersome cross-border payments processes. The Bank of England in The Macroeconomics of Central Bank Issued Digital Currencies examines a digital currency backed by DLT that may help reduce interest rates, distortionary taxes and transaction costs, which eventually benefit the economy. Another hot discussed blockchain-based element is smart contract, a computer program that automatically performs some actions (terms or conditions) of a contract once the pre-defined conditions are fulfilled. Still, there are technical constraints of blockchain left to be overcome. As the Federal Reserve report notes, the number of concurrent transactions of some blockchain technologies are limited by their algorithm and cryptographic verification, and the continuous extension of blockchains may use up storage capacity quickly. Besides, the concept of smart contract, according to the Fed, may contradict with some basis in contract law, which remains to be reviewed by legal professionals. Our investment and projection of blockchain In the beginning, Payment Asia aims at riding on the express of China business and Asian economic boom, where the demand of payment gateways for facilitating intra and inter-regional trade is growing. It was in 1999, the era of Web 1.0. We are now living in the Web 3.0, where the practices in the Internet are moving away from centralisation and one-way to decentralisation and interaction. As a veteran of payment solutions business, Payment Asia is now exploring the potential of DLT for merchants in different business sectors and looking forward to implementing the cryptographic and distributive technology in the latest ecommerce practices. Of course, it takes time for computer scientists and legal experts to address the storage capacity, reliability and legal concern, but once the peer-to-peer (P2P) technology is widely applied, the time and cost of intra- and international trading and transaction would be saved. It is the reason why Payment Asia decides to invest in blockchain in order to maintain the quality of our payment solutions on the edge, and ultimately assist merchants with access to the new-era technology. We envisage the day of P2P exchange of goods and services would come to our daily life soon, and the application of DLT, like cryptocurrency and smart contract, would be the key for merchants standing out from the crowd in the foreseeable future.
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