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電子商貿現正急速發展,很多科技公司都正為全球電子商貿企業提供各式各樣的商戶服務,而線上支付科技在電子商貿支付方案的基礎上擔當著重要的角色。如今,大部分的服務供應商都面臨著激烈的競爭,以成為各行各業最常用的支付服務供應商。正因為線上支付科技發展迅速,因此在尋求合適方案解決業務需求時,可能會造成很大的困惑。以下是選擇方案時,您須注意的事項: 您需要的是哪種支付方案? 如果您正經營一家小型企業,需要自行管理所有事務,那您應該選擇能夠提供支援的支付服務商。然而,使用支付閘道前,您需要在銀行設立商用帳戶。因此,需要設立多少個商用帳戶,取決於您選擇的線上支付技術方案。 比較價錢 線上支付技術的費用會根據您選擇的服務而有所不同。當中也可能存在一些隱藏收費、按月或按量收費,或者在固定費用中加價,這些費用都會影響您的盈利能力。因此,最好的做法就是比較不同的方案,看看哪個方案會對您的業務造成最大的影響。 顧客是否需要到另一網站付款? 托管性的支付方案會將顧客重新導向至支付處理方的平台,以輸入付款資料。服務供應商會確保顧客的資料安全性,並符合支付卡產業(PCI)的安全標準。然而,如果您希望更主導地控制交易流程和品牌形象,那麼整合方案就是您的首選。在整合方案中,您將完全控制結帳流程,顧客無需離開您的網站也可完成支付。 交易所需時間 商戶在交易後收到款項所需的時間可能會有所不同,視乎服務的設置方式和您所選擇的支付方案。比較各種支付方案是選擇合適的線上支付技術的關鍵。 分析目標市場 研究目標市場是一件好事,因為您的目標群眾會希望使用當地的貨幣付款。某些支付方案在收取外幣款項時,會收取額外費用。如果您打算將業務擴展至不同國家,就最好選擇能夠切合業務未來發展的線上支付技術服務商。
香港的電子商貿市場具有巨大潛力,為商戶帶來機會處處的環境。儘管大多數人仍對信用卡或扣帳卡等傳統支付方式感到滿意,但重大的改變指日可待。香港有許多線上支付閘道愈趨普及,多渠道付款方式的選擇也愈來愈多。然而,愈來愈多的商戶開始轉向統一渠道支付方案,以改善業務成效。如果您打算將支付方案由多渠道轉型至統一渠道,請注意以下幾個因素: 與後勤工作流程同步 為了與後勤工作流程同步,商戶必須創建一個可靠的客戶關係管理(CRM)系統。另一個要點是管理如支付卡產業(PCI)合規要求等安全要素,同時提供有助改善業務的個人化購物體驗。 了解您的顧客 在切換到統一渠道支付方案時,商戶必須了解顧客的類型及消費模式 — 研究顧客的消費模式、喜好及偏好,改善庫存管理,以及創立顧客忠誠計劃和促銷活動,為企業帶來長遠收益。 創建通用購物車 擁有統一渠道支付方案的最大好處就是能建立通用的購物車功能,無論顧客使用流動應用程式、網站還是店內攤位登錄您的網站,通用購物車都能讓顧客擁有順暢無阻的購物體驗。 多個銷售點終端可供選擇 傳統上,商戶只會使用單一固定的銷售點終端,而線上支付閘道則容許商戶提供多種支付方式,令顧客享受無憂的支付體驗。顧客可以選擇透過在線上、流動應用程式、實體店,甚至可穿戴設備,以進行付款。 確保交易安全 在統一渠道支付方案中,進行交易不僅要輕鬆快捷,還要確保安全。為了防止欺詐和詐騙行為的發生,商戶必須確保他們選擇的支付服務供應商(PSP)經過支付卡產業資料安全標準(PCI-DSS)認證,並且必須遵守所有必要的安全法規。 擁抱及接納新科技,可以幫助簡化顧客的購物流程,同時有助提升銷售,助您達至全新的境界。如今的顧客大多數都與零售商有多個接觸的媒介。因此,盡量使每個接觸媒介無縫流暢地運行也是至關重要。在當今市場中,商戶不可能強迫顧客堅持使用單一支付渠道。使用統一渠道支付方案的奧妙之處在於,它將所有接觸媒介結合,為顧客帶來一致和統一的體驗。
開設一間企業時,尤其是當您需要決定支付系統,您可能會感到頗為困惑。要確保支付系統運作暢順,具經濟效益,而且交易量理想,選擇合適的合作夥伴非常重要。在探討技術層面的議題前,不妨先了解什麼是「支付服務供應商」。 支付服務供應商(PSP)為消費者和商戶提供多一種交易方式的選擇,有助簡化交易過程,同時協助商戶與各家金融機構、消費者及消費卡品牌連接。線上支付服務有分多種方式,且具靈活性,是傳統銀行帳戶的絕佳替代方案。您可以選擇不同的支付服務,並隨時更改。要為您的業務選擇合適的服務供應商,您可能需要考慮以下有關技術層面的因素︰ 1. 語言環境 您的目標群眾是否以當地人為主?還是您想在不久的將來,將業務擴展到全球各地?不同的支付服務供應商能夠發揮的效能均有不同,因此您需要根據業務性質,而選擇本地或國際服務供應商。 2. 流動性 相信每一名消費者都會選擇簡單快捷的支付方式,因此,如果該支付服務供應商能夠提供簡潔易用、方便流動裝置使用的支付介面,必然大加分數。 3. 兼容性 能夠與各種線上支付服務兼容的支付服務供應商會是您的首選,所以要留意供應商能夠支援的各種支付模組,例如重新導向及應用程式介面(API)連接等功能,可為您的業務帶來益處。 4. 安全性 其中一個最重要的考慮因素,就是支付服務供應商如何降低欺詐風險。大多數供應商都必須符合支付卡行業資料安全標準(PCI-DSS)等規定,因此在作出選擇時,亦要確保供應商已取得認證,並遵循有關安全協議。 5. 各種費用 大多數支付服務供應商都會根據交易數量和銷售金額而作出不同的收費,當中可能包含取消交易費用、支付服務安裝費,以及每月固定的收費。因此,在作出選擇前,請考慮及分析各方面的情況。 6. 只需選擇您需要的服務 某些支付服務供應商可能會提供您未必需要的服務,因此您要清楚了解自己的需要,此舉可節省大量成本,更可幫助您去選擇最切合業務需要的服務供應商。 您在選擇服務供應商時,可能會感到花多眼亂,但是也需清楚了解他們的特性,因為這將會有助您去選擇最切合業務需求的供應商。
電子支付技術正在逐漸流行,與現金、支票或實體卡等傳統支付方式相比,如今民眾大多都選擇進行線上交易,因此,為業務選擇合適的支付服務供應商非常重要。當您選擇線上支付服務供應商之前,應留意以下幾點︰ 1. 付款過程是否安全 選擇線上支付服務供應商的其中一個最重要考慮因素就是安全性。您需要選擇採用最新技術的處理商,例如採用點對點加密及欺詐管理工具等技術,以確保顧客付款過程的安全。當然,要驗證該服務供應商是否安全,也有另外多種方法。其中,要確保該供應商已取得中央銀行或當地金融監管機構的所有必要許可,並且遵守所有法規。 2. 付款處理費用 儘管市面上某些線上支付服務供應商會向您開出吸引的報價,但當中可能涉及隱藏費用,這些收費甚至可能會令您蒙受損失!因此,在選擇供應商前,最好對他們的收費項目作出比較,也要充分了解每項收費,包括月費、處理費、訂閱費、超出每月配額費用等。這些費用積少成多,可能會造成龐大的財務負擔,因此在選擇供應商之前,必先計算最終要支付的費用。 3. 易於使用及維護 大部分線上支付服務供應商都允許商戶設立帳戶作測試之用,您可以藉此為自己及顧客測試其介面是否易於使用。結帳程序越簡單,轉換率就越高。在維護方面,若支付網頁經常出現故障,而需要進行多次維護工作,這絕對會影響您的業務。因此頁面維護程序必須簡易,才能令業務穩步發展。 4. 客戶支援 有些線上支付服務供應商可能在您完成設置程序後,便消失得無影無蹤,令您落得獨自面對疑難的困境。因此,您需要選擇能夠有效向客戶提供支援的服務供應商,讓您可以透過電子郵件、即時線上對話或電話的方式,與他們聯繫,以獲得全方位的支援。 5. 付款方式 最後,您要選擇一個能夠支援所需付款方式的線上支付服務供應商,建議您為業務選擇支付閘道前,列出可能需要的各種付款方式。
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.
現今世代,越來越多人在購買服務或商品時,都偏好在家購物多於光顧實體商店,這個現象亦成為了當代人的老生常談。線上購物令客戶不受實體店中的商品庫存限制,而對於商戶來說,這也是提高銷售量及接觸更多潛在顧客的黃金機會。為了讓銷售過程更流暢安全,您需要考慮在網店整合支付閘道功能。 什麼是支付閘道? 支付閘道服務供應商簡化了支付授權的程序。支付閘道是一組可以將網站連接到銀行的應用程序,讓顧客戶可以簡單地付款。電子商貿網站、其他容許客戶線上付款的服務供應商、任何線上收款的機構,甚至是接受電子付款的實體店都可以使用支付閘道服務。支付閘道充當著電子收銀機的角色,在電子商貿網站銷售過程的最後一步發揮作用,沒有支付閘道的協助,您將無法安全地就產品或服務向顧客收費。 支付閘道的功能 對於顧客而言,支付閘道是線上支付平台上,一個簡單直接的過程:選擇產品或服務並將其添加到購物車中,輸入付款資料,然後結帳。然而,背後的過程非常複雜。當顧客在線上支付平台進行訂購並輸入付款資料時,該線上交易將被處理為「無卡交易」。支付閘道會加密顧客瀏覽器及零售商服務器之間的數據。當金融機構批准支付處理方繼續進行交易時,支付處理方就會向支付閘道發出授權請求。支付閘道授權交易後,網站及界面就可以進行下一個步驟。「加密」、「授權請求」及「完成交易」都是支付閘道的安全功能。 支付網關與支付處理方 通常支付處理方是指由商戶指定的第三方公司,用於處理線上支付平台上的金融交易。支付處理方會分析交易數據並將其傳送至發行銀行,而支付閘道也可以快速、經濟及便捷地完成這項工作,在無需創建商戶帳號的情況下接受交易付款。作為商戶,您可以與支付閘道服務供應商進行申請,即日開始處理付款。 不同種類的支付閘道 支付閘道將顧客引導至付款頁面,以完成交易的動作,稱為「重新導向」。該套系統的優點在於簡單 — 小型商戶可以在網站上採用重新導向閘道。但是,商戶對於付款過程的主導權會較少,並且需要完成兩個步驟以完成支付。在網站外的付款頁面所進行的前端交易,實際上背後是通過閘道進行;而在同一網站付款,則能夠在自己的網站上進行交易。
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.