The construction elements of online payment system of the Business-to-consumer shopping website

1, support a variety of payment methods

For the consumer sales site, the face of consumers on the Internet, and the Internet breakthrough geographical characteristics of the consumers may come from corners, their shopping mentality and payment habits are also diverse. For example, in the United States, online direct credit card shopping is very common in Japan, many people are accustomed to mobile phone payment, while in China is accustomed to using a debit card. There will also be differences in the preferences of third-party payments, such as the United States like to use PayPal, Europeans like to use Moneybookers, Chinese people like to use Alipay. In other cases, for the local market, they often organize their own logistics, using the method of delivery, cheques and bank remittances are the first choice for certain websites that offer large amounts of goods or provide wholesale business.

What kind of payment method should be considered when setting up a shopping website? A simple way to answer this question is to make your site support as many payment options as possible to meet the needs of most of your customers. It is generally possible to consider how your payment system should be built, both horizontally and vertically, from two angles. Horizontally, even if the same type of payment is not very different, you can choose a number of third-party payment companies, in foreign global sales of the site generally provide PayPal and moneybookers two ways of payment, in the domestic can also provide Alipay and Tenpay. Although their functions are the same, but there is a difference between the use of the crowd, such as the U.S. consumer PayPal used more, Europeans use more moneybookers, the use of Alipay group more in Taobao, and the use of Tenpay is more QQ users.

Vertically speaking, can support different kinds of payment methods, mainstream payment methods have direct credit card payment, non-station card payment gateway payment, credit-enhanced third-party payments, bank remittances and delivery payments. For some of the larger online stores in Europe and the United States will provide direct credit card payment, which is the most convenient way to pay, is very suitable for high-end people in Europe and America to use. For those who have a certain concern about online shopping, the use of Alipay, Tenpay and other credit-enhanced payment platform will dispel consumer concerns. It is also useful for large payments or for a specific area of offline payment, such as bank remittances, mailing of checks and delivery of cash.

We take the domestic well-known customer sales website where customers prudential products For example, VANCL provides fast money online payment, Online banking on-line payment, IPS online payment, Internet payment, Tenpay account payment, first letter easy payment and Alipay payment seven kinds of online payment methods, covering almost all large and medium-sized bank issued bank cards, Coverage rate of 98%, including through the post Office to purchase a network card for online remittance and recharge Tenpay account payment. As shown in Figure 2, the list of payment methods listed on the payment page for all customer Prudential products.

Fig. 2 The payment page of customer Prudential Products

There are several features of the payment system that can be roughly seen from the customer's payment page. First of all, where customers will be goods to pay the first place, this shows that consumers are generally like this way of payment, where the customer sincere goods distribution staff can be directly delivered to the consumer's home, and then direct cash settlement. Second, support a lot of bank card online payment gateway, such as fast money, online banking, IPs and so on, these can be compatible with most of the domestic debit card, this is because debit card in our country, the use of credit card is still less. Again, Alipay and Tenpay are also offered as credit-enhancing third-party payments, because some consumers are accustomed to using this method of payment, some in their own account will have the balance, you can pay directly with the balance.

The payment system for a consumer shopping site is not easy after development, and we need to analyze its real usage and then make adjustments to make the payment system more complete. Especially in the initial stage of the shopping website operation, the payment system of the website will have the big change demand, through these changes, will gradually make it suitable for oneself and the consumer. There are several considerations for adjusting the data used in the actual payment system.

First of all, to consider the success rate of payment, if the site has a lot of unpaid orders, it is necessary to consider whether there is a lack of payment methods and some customers can not pay. This time the most direct way is to pay the unpaid orders to make a return call, to find out the problem, as soon as possible due to the lack of some form of payment caused by the unpaid phenomenon.

Second, the proportion of each payment on your site, the use of a high rate of payment to optimize, and put it in front of the position, so that on the one hand to facilitate the consumer, on the other hand can also be the majority of the collection to a payment account for easy management. Sometimes adjusting the payment method before and after the order will receive unexpected results, you can try to find an optimal arrangement.

Again, for businesses themselves, it is also necessary to not affect the consumer to pay the case, to guide consumers to use in favor of their own payment methods. This is because different payment providers of service policies and rates will be different, for businesses to use a lower rate, the return of the rapid payment method is more advantageous.

Finally, for offline means of payment, such as bank remittances, Western Union remittances, cheques, cod, etc. because they are more complex to consumers, be sure to write instructions and help documents so that consumers are less likely to make mistakes when using these offline payment methods. A good way to do this is to provide the necessary information on the website for the consumer to send to the consumer via the automated mail system and to provide online printing. So consumers can take the printed information directly to the Bank for processing.

Shopping Cart and payment system

For a shopping site, the online payment system is a system that makes it easy for consumers to pay for different forms of payment. The different payment methods of the online payment system are usually integrated in the last page of the website shopping process, that is, the payment page. These payment methods generally have third-party payments, bank remittances, checks, cod, etc. The regular shopping site payment process is shown in Figure 1.

The specific functional modules are described below.

Shopping cart (Cart way): On the Product order page, select the product, click on the link to buy, then this product is placed in the shopping cart, pop-up window shows the current purchase. In the shopping cart allows the number of products in the shopping cart to be added, deleted and changed.

Continue shopping (re-enters purchase): If you want to buy other products, you can continue to select goods for shopping. When you continue shopping, all the selected items will be in the shopping cart.

End of purchase (Purchase finished): The end of the shopping, click on the Checkout (Checkout), that entered the payment link.

Generate Order No. Generated): Click to enter the checkout, the program automatically generate the order number. The seller will format the order as needed, for example: (YYYYMMDD)-Merchant number-merchant serial number. such as: 19990720-88-12345.

Payment (Pay): That is, the choice of payment methods, such as third-party payments, direct payment, Western Union remittance, bank transfer and so on.

If you choose to pay online Payment, a third-party online payment page is displayed. Then enter the online payment account (receptor ' s Payment Gateway), such as PayPal (PayPal) account number, Alipay account and so on.

If bank transmits is selected, the system is linked to the merchant bank's payment page and the details of the bank card are entered (receptor ' s cards information).

If you select Western Union, the system is linked to the Payee information page, which has a detailed remittance address for the payee (receptor ' information).

Order generated: After choosing a good payment method, you can generate an electronic order. In addition to payment methods, electronic orders usually need to fill in and confirm the harvest information, packaging information, delivery information and so on.

Admin Order maintenance (order maintained by the Seller, combined with a third-party payment platform), the list displays order information (PO number, order customer name, billing time, payment method, payment status, order operation). Click on the order number to view the order details. Order operations include: Delete orders, change payment status (paid, unpaid), Change Order status (pending, confirmed, unacknowledged).

Customer orders browse (customer tracks the order): The client login system, the list shows their orders (order number, customer name, the next single time, payment method, payment status, order operation). Click on the order number to view the order details.

The realization of online payment is to integrate the shopping cart system on the shopping website with the online payment tool, and the general method is to provide the URL of the shopping website to communicate with the third party, and use a section of code on the URL page to communicate with the third party payment. As an example of a non-station payment using a Third-party payment platform, the usual payment needs to be accomplished by following several steps:

After shoppers have finished shopping on the shopping site, they check the shopping cart and confirm that they have entered the payment link of the website and entered the payment page. This page usually lists several forms of payment that the site supports, and of course the most important payment methods are paid directly online.

Jump to the payment page for this site on a Third-party payment platform site by selecting a payment method and then clicking the "Confirm Payment" button for this payment method.

Payment is completed on the payment page provided by the third party website. Because of the different Third-party payment service providers, in this page to complete the payment process and procedures are not the same, some can be directly with the account balance payment, some can directly fill out credit card or debit card information to complete payment.

When the payment is complete, click the "Back" link (or wait a few seconds) to return to the Payment Success prompt page of the shopping site.

If the implementation of the station payment, you do not need to jump to a third-party payment platform, simply to fill in the payment page to complete the payment of credit cards or debit card information, can be completed payment, which is more convenient to pay than the station.

If your sales Web site is for global sales, you need to adapt to different countries of the consumer, this time, it is necessary to deal with the issue of multiple currency pricing. Almost every country has its own monetary system, and the exchange rate between different currencies is changing. One problem in Cross-border online transactions is how a country's network consumers know how a seller in another country is quoted as having its own currency. Solving this problem requires an automated conversion system that integrates multiple currency pricing with online sales websites. In this regard, a multi currency pricing and exchange rate Management module can be established. On the one hand, the business can use this module to easily display the price of the product in different currencies, while the exchange rate changes to facilitate adjustment, on the other hand, consumers can inquire about the price of their own currencies, the customer experience will be very good.

This digest has been published in the "online payment-network business Success".