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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.
「電子銀行」意指在互聯網上進行的銀行帳戶相關事宜。在東南亞地區中,選擇透過電子銀行付款的人數持續增長,因為匯款快捷、即時進行發票交易、能夠進行自動定期付款、介面易用,以及交易成本低。 不受金額限制,即時進行轉帳 在傳統實體交易中,顧客在確認訂單、付款兩個動作之間通常相隔頗長的時間,而這段空檔是具風險性的,相隔時間愈長,就愈可能出現盜竊的情況。此外,在實體交易中,顧客亦需要攜帶大量現金出入不同地方,不但會構成不便,亦增加金錢被盜取的風險。可幸的是,以上提及的問題,都已透過東南亞電子銀行方案解決!電子銀行能夠進行即時轉帳,顧客只需輸入交易有關的資料,例如戶口的持有人姓名、帳號、以及轉帳貨幣及金額,點擊一下即能完成交易,而帳戶餘額亦會立即被顯示。因此,顧客不必四處頻撲,亦能減少風險。 接通世上每個角落.隨時隨地進行電子銀行支付 電子銀行在東南亞地區愈趨流行的另一個原因,是因為用戶可以從任何地方進行支付。以前用戶只能透過網絡瀏覽器處理網上銀行事宜,但現時銀行已經紛紛採用流動應用程式,讓客戶可以輕易地連接銀行帳戶。 電子銀行使定期繳款更準確 經常性的開支需要準時繳付,倘若在支付電費、租金或上網費用等任何固定開支時出現延遲,都可能令您無法使用有關服務,造成極大不便。然而,要緊記每個最遲繳費日,又可能造成巨大壓力。在馬來西亞,如電子銀行等支付方案就可以減輕用戶負擔 — 用戶可以將指定的賬單設定定期繳付,同時設定特定金額、付款日期,以及收款戶口。只要成功輸入所需資料,指定的金額將在預設的日期自動扣除,大大減輕用戶生活上的不便。 每筆交易一目了然 在過去的日子,若要追溯銀行賬戶的進出紀錄,往往十分耗時。但隨著電子銀行時代的來臨,馬來西亞的支付方案會自動記錄每筆交易的數據,並即時開出發票。電子銀行讓用戶能夠輕易查看帳戶內所有交易數據,用戶亦可使用持續更新的電子存摺,不需再親身到銀行重新打印,只需連接互聯網,用戶便可隨時隨地獲取數據。 更低的交易成本 在省卻了保安費用及人手薪金的情況下,與實體銀行相比,網上銀行的運作成本非常便宜,而節省了的成本上就正正反映在其交易成本上。 如有興趣了解更多有關東南亞地區的電子銀行方案細節,請與業內人士接洽。
電子商貿成為大勢所趨,連同它的所有可取之處(包括線上支付),都愈來愈受大眾歡迎。如今,企業必須確保其網上商店已配備合適的支付閘道系統,以達至最佳效率及客戶體驗。長遠而言,對企業的電子商貿業務發展亦大有幫助。 決定收取款項的程序 當客戶透過線上支付閘道進行付款時,商戶需要決定直接在網上商店的網站上收取款項,或將客戶導向另一網站進行付款。前者應用了線上支付整合模式,而後者則採用重新導向模式 — 這兩種線上支付閘道模式均常見於菲律賓或印尼市場,並開放予當地商戶使用。 確保安全標準符合規定 互聯網上危機四伏,尤其是網上金錢交易。在實體交易中,買賣雙方均可直接見證付款過程;而印尼的線上支付閘道提供轉帳功能,讓顧客將資金由銀行戶口轉帳到商戶銀行戶口,這些交易僅在輸入與顧客銀行戶口有關的資料時,方能進行。當中涉及的敏感資訊受到高度保護,因為若發生任何意外,都可能導致顧客的財務安全蒙受損失,甚至使商戶身陷法律訴訟,斷送商譽。因此,無論您要在菲律賓還是印尼尋找線上支付閘道方案,請確保其符合支付卡產業安全標準協會制定的支付卡產業資料安全標準(PCI DSS)。  選擇有效率的支付閘道 菲律賓和印尼的線上支付閘道一向根據顧客在商戶網站或被重新導向的網站上,輸入的交易信息來運行,意味著顧客需要填寫多份表格,而這個繁瑣的步驟,可能會減低顧客再次訪問網上商店或推薦他人使用的意欲。而透過度身定做的線上支付閘道,則可戰勝這個風險,同時提高效率:不必要填寫的表格不用強制填寫,或可直接移除;可以記住顧客早前輸入的信息,以進行進一步交易;若果顧客需要輸入多個地址、電話號碼或詳細信息,則可以容許顧客直接複製資料等。 支付方式選擇愈多,瀏覽量就愈驚人 無論是印尼還是菲律賓的線上支付閘道,最大的弊端就是付款方式選擇不足。互聯網現已統一全球市場,來自全球各地的客戶均可到訪印尼或菲律賓企業的網上商店。企業應對全球市場保持警覺,並確保網上商店能夠滿足來自全球的需求。對此,結合多個接受國際扣帳卡及信用卡的付款方式,不失為一個簡單的做法。 解決顧客疑問及投訴 任何業務的成功都取決於顧客的滿意度。以支付程序為例,不是每個顧客都熟悉網上支付閘道的運作,因此顧客應有權提出有關交易的問題,並與客戶支援團隊聯繫。 由現在開始,聯繫頂尖的服務供應商,設置您的線上支付服務吧!
在東南亞地區使用電子支付的用戶正以超出預期的的速度持續增長,毫無疑問地,這個數字未來將會達至數百萬的水平。越南及其他東南亞地區中,具領導地位的線上支付供應商所提供的電子錢包服務,其交易量亦只會不斷上升。以下是在東南亞地區使用線上或電子銀行付款服務的好處: 在東南亞地區進行「無現金支付」 在數碼經濟的層面上,中國一直扮演領導者的角色。在這個人口眾多的環境下,金融科技公司在實現「無現金支付」上發揮了重要作用,但近年來,東南亞其他地區也加入了競爭的行列 — 當地的商業銀行客戶在消費者中佔有很大比重,並已在使用電子銀行支付服務。 近期增長及政府支援 來自東南亞地區的消費者正在推動一場勢如破竹的數碼支付革命。以越南為例,為了推動「無現金支付」發展,政府啟動了一項特殊的金融計劃。此外,除了當地的支付方案供應商外,有些國際公司亦已開始在越南投資。 更安全.更方便 支付服務供應商一直努力提高服務質素,開發新功能,使線上支付更安全、更方便。在選擇支付閘道時,經營網上業務的企業或顧客往往擁有多種選擇,而中小型企業無需經過繁複的過程,已可接通這些服務。此外,有些知名的供應商會提供度身定做的服務,迎合業務持續增長的商戶需求, 更會提供24/7全天候服務,使便利度大大增加。 虛擬賬戶方案 在越南,某些線上支付服務供應商亦提供虛擬銀行帳戶,以滿足商戶日益增長的需求。在越南,已有超過十間銀行能夠接收來自虛擬銀行帳戶的款項,而自動櫃員機、二維碼或電子錢包等支付方式也可被接受。 若經過批准,甚至能進行場外銀行交易。 接觸更多客戶群 憑著靈活的結算時間、支援多種貨幣交易、托管支付頁面、流動支付、批量支付及跨國交易等功能,越南客戶在選擇線上支付供應商時完全不乏選擇。立即與領導業界的供應商聯繫,開始為您的客戶提供優質服務。要在激烈的競爭中搶佔先機,就要投資在專業的線上支付方案,以吸納來自東南亞市場的客戶。
要提供流暢的線上客戶體驗,需要快速、安全及簡易的付款過程。質素高且專業的電子商貿支付閘道有望推動客戶增長,以及提升客戶忠誠度。支付過程是電子商貿業務的命脈,因此,一間網上商店的成敗很大程度上取決於商戶是否選擇合適的線上支付方案。 什麼是「支付閘道」? 在網上商店中提供付款功能的系統和基礎建設稱為「電子商貿支付閘道」,它讓商戶能夠以安全的方式收款和管理款項,並減低受欺詐的風險,有助處理網站之間的交易。簡單來說,可以將其視為一間網店的收銀機。 什麼是「商戶帳戶」? 「商戶帳戶」是在東南亞線上支付方案中經常出現的用語,意指用於接收來自扣帳卡及信用卡支付款項的特殊銀行帳戶。由於商戶帳戶會在特定時間內保留資金,因此與普通銀行帳戶不同,銀行一般會將商戶帳戶中的款項分批處理。 若要選擇東南亞地區的線上支付方案,應考慮以下主要因素: 1. 支付種類 客戶可以多種方式進行線上支付,當中最常見的是傳統方式 — 需要輸入信用卡或扣帳卡資料進行支付,亦不乏其他逐漸普及的支付方式。此外,透過認可的支付供應商進行交易,可無需輸入有關運輸、賬單和卡類資料,只需輸入密碼即可完成交易。 2. 貨幣種類/當地貨幣結算 您的網上業務能否接納來自世界各地的消費者?如今線上零售業務已跨越地域界限,跨境交易量龐大,其中亞太區市場尤為重要。若要將貨品運送至此類市場,您需要確保網上系統能處理付款交易。更重要的是,您需要確保支付閘道能連接至商戶可用之銀行帳戶,並兌換成您希望接受的貨幣。 3. 擁有託管系統的支付閘道 電子商貿支付閘道是否擁有託管系統,在於經過託管系統的閘道會在付款階段,將顧客導向至網店以外的網站,在完成付款後,再將顧客重新導向至網店內。這些閘道雖然較容易被建立及設置,但同時會打斷購物流程,顧客在被導向至第三方網站時,可能會產生顧慮,最終可能影響整體的客戶體驗,造成銷量下降。 4. 成本 對任何企業而言,成本都是主要的考慮因素之一。由於成本會因不同供應商而有所分別,因此在選擇電子商貿支付閘道時,需要注意某些所需費用,例如他們通常設有基礎設置費用,以支付您的商戶帳戶的申請及整合費用。有關東南亞地區的線上支付方案供應商收費,當中亦存在許多差異。從每筆交易中收取小量百分比的費用,稱為「商戶折扣費率」。 不幸的是,所有電子商貿企業都面臨著一個日益嚴重的問題 — 網絡詐騙,無論是商戶的品牌聲譽或業務,都有可能會因網絡詐騙活動而蒙受重大損失。長遠來說,選擇最安全的電子商貿支付閘道乃明智之舉。因此,所有線上支付閘道必須具備數據加密功能。 請與經驗充足、領導市場的專業支付服務供應商聯繫。