درگاه‌های پرداخت دسترسی بی‌سابقه‌ای به بازارهای جدید و فرصت‌های افزایش مقیاس کسب‌وکار را برای مشتریان تاجر خود فراهم کرده‌اند. با این حال، با تنوع بخشیدن به مناطق پایه مشتری و انواع پرداخت، ریسک می تواند افزایش یابد.
For merchants that do not have complete control over the financial processes facilitating their business, risk can be more prevalent and damaging. To understand and successfully decrease risk in their business, merchants need to arm themselves with as much
knowledge as possible about their financial flows. The issue is that they can only do so if their payment gateway provider can facilitate a highly transparent relationship between gateway, merchant, and customer.
While payment gateway services have innovated the reach, speed and security of their technologies, transparency throughout the payment-making process has remained an underestimated problem in our sector. Continuing to ignore this common pain point will increase
risk and ultimately damage the foundational trust layer between merchant and provider.
تکثیر نوع ریسک
A lack of transparency is not necessarily the catalyst for the increased diversity of risk types. However, championing transparency is a powerful step in reducing the success rates of illegitimate claims and financial activity. In particular, increased transparency
can help tackle the following risks merchants aim to prevent.
تقلب
تقلب در تجارت الکترونیک تقریباً عامل اصلی آن است
£17.5 billion in losses yearly. When the relationships between merchant and gateway provider is transparent, they can work to reduce this figure. When it comes to identifying and preventing fraud types, the complexities of payment making can confuse merchants.
After all, they are experts in their own business, not the financial processes that facilitate it.
In contrast, the nuances of transactions are the gateway providers’ field of expertise. Providers can not only assist in flagging fraudulent activity but also educate the merchant on why a transaction is categorised as fraud and how it is likely to have
اتفاق افتاده است
Providers have this information through proprietary data on the account or card type, information from banks on payment codes, or anti-fraud systems owned and operated by the provider itself. Whatever the case, the gateway provider must be able to share
their expertise with the merchant.
برای تسریع این فرآیند، ارائه دهندگان دروازه باید اطمینان حاصل کنند که یک رابط کاربری آسان، شفاف و منعطف که تاجر را در کنترل کامل فعالیت های تجاری خود قرار می دهد، صرف نظر از اینکه چقدر دقیق باشد، در دسترس است.
تقلب دوستانه
ادعاهای استرداد وجه، اخلالگر مداوم در تجارت الکترونیک هستند، با ادعای تقلب دوستانه به اندازه
٪۱۰۰ of all chargeback requests. These claims usually occur when a consumer does not recognise the merchant provider on bank statements. In their view, a lack of additional information about a charge requires a legitimate request for non-payment. Because
many merchants, specifically those with larger operations, act under parent company names the recognition of payments made is often murky for the consumer.
Tackling these types of claims requires time for consumers and merchants and money for the latter to resolve the issue. While friendly fraud absorbs these resources, illegitimate claims that may require more time and attention are given less attention. However,
merchants reported that 65% of all disputes can be prevented from becoming chargebacks when card issuers provide detailed transaction information to their customers. Additionally, when consumers are empowered with clearer information, inquiries into payments
made dropped by 25%.
اگر ارائه‌دهندگان درگاه پرداخت بتوانند به طور مشابه این پرداخت‌ها را برای مشتریان تجاری خود روشن کنند، رمزگشایی ادعاهای نادرست از طرف سازنده پرداخت و گیرنده پرداخت می‌تواند بسیار یکپارچه‌تر و در مجموع کمتر پربار شود.
نقض اطلاعات
نقض داده ها یک نوع خطر جدی برای بازرگانانی است که به اعتماد مصرف کننده برای تسهیل رشد و تکرار خرید نیاز دارند. نقض داده ها معمولاً از طریق هک های آنلاین و اغلب بدون اطلاع تاجر یا مصرف کننده رخ می دهد.
Increased transparency between provider and merchant better informs the latter’s risk prevention strategies, working to lower the likelihood of data breaches occurring. If a merchant has a full and detailed view of their financial flows they can select anti-crime
strategies, providers and systems that best suit their business. Much of this comes down to merchant size, cross-region activity, and product type. Essentially, increased transparency helps inform future decision-making and, where risk is concerned, a more
thorough awareness of risk activity, which is likely to lead to more effective prevention.
حرکت به سمت شفافیت
The call for better transparency in payment-making doesn’t just lie with merchants, consumers desire more information about their transactions too. Research from Ethoca, which surveyed 1,000 consumers in 2021, indicates increased transparency is a well-founded
and popular desire from those utilising digital payments. According to the report, up to 90% of consumers are interested in having more details about their debit card charges – with 63% being “very interested”. What we’re seeing at Transact365 is a move toward
better transparency throughout the payment-making funnel, which symbiotically benefits all parties.
With better transparency for merchants, gateway providers can understand their clients’ financial flows better, as well as understand the merchant’s concerns, pain points and misunderstandings more comprehensively, inducing a more effective working relationship.
Improved transparency on the merchant side means they are more informed to make the best business choices, reducing friction when it comes to expansion, scale-up, and customer satisfaction. It also means they are more educated about risk types and can make
business decisions that work to lower risk prevalence.
For consumers, increased transparency can promote trust in e-commerce businesses, catalysing increased use in online merchants and helping them in turn provide a faster service, better knowledge of customer bases, and fund innovation into business protocols
and products, all of which stand to benefit the customer.
ارائه دهندگان دروازه نیاز دارند که شفافیت بهتر در چشم انداز پرداخت را هدایت کنند تا به نفع روابط مشتری خود و عملکرد روان صنعت پرداخت به طور کلی باشد.
