網康防火墻--上線指南

替代付款接受服務 (Alternative Payment Acceptance Services)

Last week we discussed credit card processing without a merchant account. While credit cards are the preferred method for products and service purchase online, you’ll find that not everyone is completely comfortable with credit card purchasing – and some customers don’t own a credit card at all. So offering other methods for payment is an absolute must if you want to target all types of customers. Providing payment options for your shoppers also improves their trust in your company, and increases your credibility in the online space.

上周我們討論了沒有商戶帳戶的信用卡處理。 盡管信用卡是在線購買產品和服務的首選方法，但您會發現并非所有人都對信用卡購買感到完全滿意-有些客戶根本沒有信用卡。 因此，要想針對所有類型的客戶，絕對必須提供其他付款方式。 為購物者提供付款方式還可以提高他們對公司的信任度，并提高您在在線空間中的信譽。

Let’s take a look at some of the other payment acceptance services you can offer:

讓我們看一下您可以提供的其他一些付款接受服務：

Online Checks & Debit Card Processing

在線支票和借記卡處理

Online checks (commonly called eChecks) are the equivalent of standard paper checks. The online equivalent doesn’t require you to have a signed check from the recipient. This is perfectly legal. All you need is the information that appears on the customer’s real-world checks.

聯機支票(通常稱為eChecks)等同于標準紙質支票。 在線等效工具不需要您有收件人的簽名支票。 這是完全合法的。 您所需要做的就是顯示在客戶實際檢查中的信息。

There are two ways to accept online checks. The do-it-yourself method requires that you buy a program to print the checks. You then deposit them into the bank like any normal check. The big software programs in this category is Vcheck, and Intell-A-Check. Demand for this type of do-it-yourself online check processing is limited, as merchants have to wait several days to make sure that the check clears before they ship the order – another fraud prevention method. The better way to accept online checks is through a transaction service.

有兩種接受在線支票的方式。 自己動手做的方法要求您購買一個程序來打印支票。 然后，您將它們像任何普通支票一樣存入銀行。 此類別中的大型軟件程序是Vcheck和Intell -A-Check 。 這種對自己動手做的在線支票處理的需求是有限的，因為商人必須等待幾天才能確保在寄出訂單之前將支票清除，這是另一種防止欺詐的方法。 接受在線支票的更好方法是通過交易服務。

A transaction service verifies that the information on the online check is complete, and will even guarantee the check for an additional fee. What this means is that the transaction service will reimburse you if the check turns out to be invalid (and certain conditions have been met). These transaction companies charge a setup fee in addition to a per-check fee, and/or a percentage. One important thing to note is that most transaction companies only process US checks.

交易服務會驗證在線支票上的信息是否完整，甚至會保證支票的額外費用。 這意味著如果支票被證明是無效的(并且滿足某些條件)，交易服務將向您退款。 這些交易公司除了收取每張支票和/或一定百分比的費用外，還收取設置費。 需要注意的重要一件事是，大多數交易公司僅處理美國支票。

These programs allow you to accept checks by telephone and fax, as well as online. All you have to do is take the necessary check information and manually enter it into the program, then print out the check and deposit it at your local bank. Most check programs require you to buy special check paper on whcih to print your checks, and it’s relatively cheap. In most cases you should be ok printing checks on your Inkjet or laser printer without requiring any special, expensive, magnetic-type ink, as many banks now use optical devices to process checks rather than magnetic ones. However, before investing in any check acceptance software, contact your local bank and make sure they will be able to accept the checks that you print off.

這些程序使您可以通過電話，傳真以及在線接受支票。 您所要做的就是獲取必要的支票信息，然后將其手動輸入到程序中，然后打印出支票并將其存入本地銀行。 大多數支票程序要求您購買特殊的支票紙以打印支票，而且價格相對便宜。 在大多數情況下，您應該可以在噴墨打印機或激光打印機上打印支票，而不需要任何特殊的，昂貴的磁性墨水，因為許多銀行現在使用光學設備來處理支票，而不是磁性設備。 但是，在投資購買任何支票承兌軟件之前，請與您當地的銀行聯系，并確保他們能夠接受您打印的支票。

Another thing to consider is that some of the Gateway companies’ Virtual Terminals can accept check transactions. The ones that do this also run a check verification against a national database of bad check writers, to reduce the incidence of returned checks. The better services will even re-submit returned checks automatically. If you use an online check transaction service, make sure that it includes the facility to verify the checks in real time. There’s not much to processing a check online, so don’t pay high transaction fees, and avoid paying a discount (percentage) rate on check transactions, unless they’re guaranteed! Also make sure you’re informed about fund holds on check transactions, so you know when your funds will be available.

要考慮的另一件事是某些網關公司的虛擬終端可以接受支票交易。 這樣做的人還對不良支票書寫者的國家數據庫進行支票驗證，以減少退回支票的發生率。 更好的服務甚至會自動重新提交退回的支票。 如果您使用在線支票交易服務，請確保該服務包括用于實時驗證支票的工具。 在線處理支票不需要太多，因此不要支付高額的交易費，除非能保證，否則避免為支票交易支付折扣(百分比)率！ 另外，還要確保您了解支票交易的資金持有情況，以便知道何時可以使用資金。

Here are a few more check resources you should consider:

這里是您應該考慮的其他一些檢查資源：

• CheckMAN

  CheckMAN

• Checks by Fax

  傳真檢查

• CheckMatic

  CheckMatic

• XpressCheX

  XpressCheX

Debit card processing is almost exactly like processing a credit card, except that the order amount is deducted from the customer’s checking account. For more details, including pricing information, contact a Merchant Account Provider.

借記卡處理幾乎與處理信用卡完全相同，不同之處在于從客戶的支票帳戶中扣除了訂單金額。 有關更多詳細信息，包括價格信息，請與商家帳戶提供商聯系。

Digital Cash & Micropayments

數字現金和小額支付

My recommendation is to stay away from these services for now: they still haven’t really caught on. However we have put them in this guide due to the enormous amount of hype that surrounds them, and because in time they’ll become a viable method of accepting payment online.

我的建議是暫時不要使用這些服務：它們仍然沒有真正流行起來。 但是，由于圍繞它們的大量宣傳，并且隨著時間的推移，它們將成為一種在線接受付款的可行方法，因此我們將它們放入了本指南。

The concept of Digital Cash systems is that a person has a digital wallet, which they fill up using their credit card. They can then spend that money either via a digital wallet program that runs on their computer, or via a special PIN number. The future of these systems is in micro-transactions (Micropayments), where a user might be charged 5 or 10 cents to read an article or access a Webpage. At the present time charging people a few pennies to view content is impractical, but hopefully Digital Cash will solve this problem within a few years. Another downside to Digital Cash is that only a small number of merchants actually accept these payments – so digital cash acceptance is not even close to being as common as credit card acceptance.

數字現金系統的概念是一個人擁有一個數字錢包，他們可以使用信用卡充值。 然后，他們可以通過計算機上運行的數字錢包程序或通過特殊的PIN碼來花費這筆錢。 這些系統的未來是微交易(Micropayments)，向用戶收取5或10美分的費用來閱讀文章或訪問網頁。 目前，向人們收取幾分錢才能查看內容是不切實際的，但希望Digital Cash能夠在幾年內解決此問題。 Digital Cash的另一個缺點是實際上只有少數商家接受這些付款-因此，數字現金接受甚至還不及信用卡接受那么普遍。

At the moment, some of the biggest Digital Cash service companies are:

目前，一些最大的數字現金服務公司包括：

• RocketCash

  火箭現金

• InternetCash

  互聯網現金

• Echarge

  充值

Micropayments have been around for quite some time, but they aren’t widely used by online merchants. This has caused several micropayment service companies to close up or halt further marketing of their services until the demand increases. As previously discussed, micropayments are particularly good for sites that offer online products (documents, music files, etc.) whose prices range from a few cents each, to a maximum of around $10. Micropayment solutions work in the same way as typical credit card acceptance, except that the amount taken per transaction is much smaller, so the merchant keeps a larger portion of the profit.

小額支付已經存在了一段時間，但并未被在線商家廣泛使用。 這導致一些小額支付服務公司關閉或停止其服務的進一步營銷，直到需求增加為止。 如前所述，小額付款特別適合提供在線產品(文檔，音樂文件等)的網站，這些產品的價格范圍從每件幾美分到最高約10美元。 小額支付解決方案的工作方式與典型的信用卡接受方式相同，不同之處在于每次交易收取的金額要小得多，因此商家保留了較大的利潤部分。

If a Micropayment service is what your company needs, check out these sites:

如果您的公司需要微支付服務，請訪問以下站點：

• eTelCharge – Adds charges to your phone bill

  eTelCharge –將費用添加到您的電話費中

• iPin – Puts charges on your ISP (Internet Service Provider) bill

  iPin –在您的ISP(互聯網服務提供商)賬單上收取費用

• microCreditCard

  小額信貸卡

• Cardis – Click on "The Ultimus Solution" once you reach their homepage

  Cardis –進入首頁后，點擊“ Ultimus解決方案”

Escrow Services

托管服務

Escrow services act as middleman for a payment transaction. They ensure that the buyer is happy with the product they’ve received, and that the seller gets paid accordingly. This solution provides the security and trust that are essential for high ticket items (e.g. domain names, company buy-outs, etc.) and many auction Websites.

托管服務充當支付交易的中間人。 他們確保買方對收到的產品感到滿意，并確保賣方得到相應的付款。 該解決方案提供了對高價商品(例如域名，公司買斷等)和許多拍賣網站必不可少的安全性和信任。

Here’s a step-by-step explanation of how Escrow services work:

這是有關托管服務工作方式的分步說明：

Step 1: The Buyer pays the Escrow service for the order with a credit card, money order, check (business, personal, certified), wire transfer, or direct deposit.

第1步：買方通過信用卡，匯票，支票(企業，個人，經認證的)，電匯或直接存款的方式向托管服務付款。

Step 2: Once the Escrow service receives the Buyer’s payment, they notify the Seller to go ahead and ship the merchandise to the Buyer.

第2步：托管服務收到買方的付款后，他們通知賣方繼續進行并將商品運送給買方。

Step 3: After the Buyer receives the merchandise, he/she then let the Escrow service know that they are happy with the purchase.

步驟3：買方收到商品后，然后讓托管服務人員知道他們對購買感到滿意。

Step 4: The Escrow service then pays the Seller by either check or wire transfer into their bank account.

步驟4：托管服務然后通過支票或電匯向賣方的銀行帳戶支付賣方。

If the Buyer is not satisfied with the merchandise, he/she can notify the Escrow service that the item(s) has been returned to the Seller. Once the Seller receives the returned merchandise, they are given a period of time (usually about a week) to inspect the returned item(s). The inspection period allows the Seller time to ensure the merchandise was returned in the same condition in which it was shipped. After this inspection, the Escrow service will refund the Buyer the amount paid, less the Escrow service fee (usually around $5 or so).

如果買方對商品不滿意，則可以通知托管服務該商品已退還給賣方。 賣方收到退回的商品后，將給他們一定的時間(通常大約一周)以檢查退回的商品。 檢驗期使賣方有時間確保退貨時的狀態與運輸時相同。 在檢查之后，托管服務將退還買方已付的金額，減去托管服務費(通常約為5美元左右)。

If you’re interested in Escrow services, check out these companies:

如果您對托管服務感興趣，請查看以下公司：

• Escrow.com

  Escrow.com

• Escrow.ca

  托管網站

• i-Escrow, Inc.

  i-Escrow，Inc.

更多信息 (More Information)

The search to find the Merchant Account Provider that best suits your business needs can be a long and tedious process. One service that practically does the searching for you is MerchantSeek, who provide a free service that allows you to search for a Merchant Account Provider that suits your needs and budget. The site also contains some very detailed and informative content on payment acceptance, including a lot of what we’ve discussed through this series, and more. The service can be a time- and money-saver, and is certainly worth a look.

尋找最適合您的業務需求的商戶帳戶提供商的搜索可能是一個漫長而乏味的過程。 MerchantSeek是實際上為您進行搜索的一項服務，該服務提供免費服務，使您可以搜索適合您的需求和預算的商戶帳戶提供商。 該網站還包含有關付款接受的一些非常詳細且內容豐富的內容，包括我們在本系列文章中討論的很多內容以及更多內容。 該服務可以節省時間和金錢，當然值得一看。

Special thanks to Robb Hanisee of ECHO Inc. for his assistance in writing this guide.

特別感謝ECHO Inc.的 Robb Hanisee協助編寫本指南。

翻譯自: https://www.sitepoint.com/online-payment-acceptance-4/

網康防火墻--上線指南

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