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如果您是一間電子商貿方案供應商,您的合作網站必須適合流動設備使用,意味著顧客應該能夠輕易使用流動設備付款。與桌上電腦相比,顧客在使用流動設備時,與網店的互動率會較低,因為他們在使用流動設備購物時,通常同時在看電視、談話、排隊等。因此,簡化購買和結帳流程非常重要,以下是一些建議做法。 提供多種傳統及第三方付款方式 您的網店應支援電子錢包支付。同時,顧客可能希望透過Neteller、Skrill或PayPal等線上第三方電子支付技術付款,您可以在訂單確認頁面上,向顧客提供這些選項。 您的顧客也可能希望以支票或銀行轉帳的方式付款,在某些國家或地區中,許多人仍在沿用這些傳統方法。您可以在網站上留下電話號碼,方便有意以銀行轉賬付款的買家直接與您聯繫。 儘管使用這些付款方式的顧客佔少數,但您亦應在網站內進行相關設置。 面向國際市場 — 國家之間的差異 如果您的網店希望迎合國際市場,就應該考慮來自不同國家的買家需要。記得仔細研究目標市場常用的支付方式,並向他們提供合適的選項。以中國為例,與西方和歐洲國家相比,中國在電子商貿支付閘道方面,需要一套截然不同的應用程式;以加拿大和美國來說,大部份人都是以消費卡作為付款方式。 為您的顧客提供多元化付款方式非常重要,這樣他們就可以更容易地得悉你有對他們國家的消費及支付習慣作出深入研究。此外,這也可以提升顧客的滿意度、降低顧客中途放棄交易的機率、以及更高的安全保障,對您和顧客都是雙贏的局面。 流動支付方案供應商提供的服務林林總總,要踏出第一步,作出正確選擇並不容易,但其實要在網店和結帳流程中添加更多付款選項,是有明確需要的。重要的是,不要被科技帶來的障礙擊倒,迎難而上是營商的必經之路。 隨著流動支付的交易額持續增長,甚至超出了桌上型電腦的表現,作為零售商的您,必須以流動裝置作為重心,發展您的電子商貿業務,這有助改善整體顧客體驗,尤其是結帳流程。而銷售額下降的最大原因,正正是因為顧客結帳過程中途放棄交易。 當你的網店能夠提供廣泛的流動支付選項時,就能全方位滿足顧客的需要,隨之而來的是更多的交易、銷售額和收入。歸根結底,每個電子商貿方案供應商都希望在當今嚴峻的商業環境中保持競爭力,而您的業務亦一樣。因此,只需踏出簡單一步,採用以上措施,也可為你的業務帶來前所未有的收益。
流動支付是指在流動裝備或智能手機上完成交易,如果您正從事電子商貿,那麼您應該已經體會到流動支付技術對零售業的巨大影響力。流動支付正在顛覆了傳統的支付方式。隨著越來越多人使用流動支付,作為零售商,您必須了解流動支付帶來的變革,以及相應的準備措施。 更優質的客戶服務 流動設備和智能手機正在迅速攻陷廣大消費者的日常生活,亦為企業帶來了龐大的機會,以提供更優質的客戶服務。雖然信用卡在數十年前已經出現,但相對上流動設備仍然是一種較新穎的潮流。信用卡和扣帳卡的出現,讓民眾無需隨身攜帶現金,令支付過程更輕鬆。通過電子支付技術,消費者現可於在數碼世界進行交易。 流動支付用戶需要可控性及便利性,預計未來每個數碼設備都會與商務有所關聯。在這個趨勢下,每個人都希望在購物和付款時,可享有更多選擇。作為一個零售商,您需要利用各種優惠及合作關係,為您的客戶提供最佳的購物體驗。 即使流動支付方案已經存在多年,但如Apple Pay之類的選擇仍為流動支付領域注入了嶄新的動力。這種付款方式非常注重安全性和簡便性,因此得以在消費者和商戶中迅速普及。 收集用戶數據 其中一個改進消費者流動購物體驗的方法之一,就是利用個人及購物數據來吸引顧客。許多流動電子商貿支付閘道目前不支援收集客戶數據的功能,但是,如果您希望在商業世界中保持競爭力及創造力,就要盡量保存客戶數據,因為這些數據可以為您的顧客提供針對性的購物推薦,推出個人化的廣告,以吸引客戶進行更多消費行為等等。 消費者想要掌控一切 如果您從事電子商貿,了解消費者的行為和心理狀態則非常重要。大多數消費者都希望能夠自主購買過程。無論是日常用品、快餐店,甚至便利店等領域,流動支付的增長率都是最高。免除了支付過程中的繁瑣,您可以令支付過程更無縫、更方便。其中一個令消費者自主性更高的方法,就是保護他們的個人識別資料﹙PII﹚,但亦會帶來了更多數據安全問題,因為目前流動設備中的數據安全性,仍不及手提電腦或桌上電腦般安全。 透過平衡自主性及安全性,您可以創建一個購物環境,讓消費者可以保護自己的身份,同時進行安全交易。當然,沒有交易是絕對安全的,無論您在網店上使用哪種電子支付技術,黑客永遠都會乘機行動。世上一些最複雜的系統已被惡意入侵,這個情況在很大程度上與銀行的驗證程序薄弱有關。請務必請求發卡銀行驗證客戶的帳戶號碼,銀行執行嚴格的驗證程序亦同樣重要。
如果您正從事電子商貿,您很可能已經在網店中採用了流動支付技術。我們將在下文中討論此類付款方式的安全性,以及指導您如何設立商店,以充分善用這項技術。 流動支付是否安全? 簡單而言,流動支付是安全的,當中有好多方法,例如PCI-DDS(支付卡行業資料安全標準)、SSL(安全通訊端層)、加密技術等,可以提升流動支付的安全性,這些方法有時比起傳統的支付卡更安全。 為什麼流動支付是安全的? 透過流動設備進行電子支付之所以安全,有以下幾個原因: • 由於在流動支付過程中,付款資料不會被傳送至商戶,因此黑客竊取數據會困難得多。 • 消費者可以使用手機錢包,輕易監控自己的賬戶情況。 • 有很多第三方支付閘道,例如PayPal等,會要求消費者先登錄,然後才授權付款。 • 大部分支付方案供應商公司都會遵守嚴格的安全標準以及身份驗證流程。 如何準備開設網店? 現在您已經對流動支付擁有基本的了解,您可以開始從付款過程入手,提升網店表現。 首先,您要註冊商戶賬戶及支付閘道。如今,大多數電子商貿支付閘道,都會嵌入網店平台以發揮其功能。 商戶賬戶充當著中介渠道,網店的銷售收入在存入您的銀行帳戶前,將該筆款項暫存。通常支付閘道都會為您提供一個商戶賬戶,以便您接受更多付款方式。 電子商貿方案供應商的支付閘道基本上是一個數碼閘道,將消費者數據傳送至處理方進行支付。同時,亦會聯繫銀行,以授權該筆付款,然後將其存入您的賬戶。選擇任何支付閘道時,請確保開放 API(應用程式介面)的權限,以便對網店前台進行個人化的修改。 一般情況下,在結賬流程中添加支付方式選項是非常容易的動作。 注意事項 • 接受時下流行的手機錢包:當您容許顧客使用手機錢包支付,他們就可以輕鬆利用已經保存在手機上的資料進行付款,免除輸入扣帳卡或信用卡資料的繁複流程,同時令顧客更安心。 • 簡化結賬表格:流動設備上複雜而冗長的結帳表格是消費者放棄交易的最大原因之一。簡潔的結帳表格很重要,因為消費者通常不會花費太多時間在結帳過程中。使表格更簡潔的方法有:只要求必要的資料,無須註冊帳戶就可結帳,對資料進行實時驗證,每個版面只顯示一條問題,清楚列明必須及可填的資料,當資料有誤時,要提供建議。 • 減少支付步驟:與桌上電腦相比,消費者在使用手機支付時的專注程度較低,因為他們通常都是同時處理不同事項。因此,減少購買過程中複雜的步驟,就可減低顧客放棄交易的機會。
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.