2022年6月23日

2022年，數字支付對於開展業務至關重要，不僅對在線交易如此，對麵對麵交易也是如此。消費者已經習慣了不用隨身攜帶現金或信用卡的便利，在選擇光顧哪些商家時，數字支付選項是最重要的。與提供數字支付的能力同樣重要的是順利處理數字支付的能力。然而，許多商家陷入了利用單一支付網關的陷阱，當該網關遇到停機時間或其他複雜情況時，會影響他們順利處理支付的能力。在特定地區，性能最高的網關不一定是最受歡迎的。添加一個新的網關可能是一項艱巨的任務。總部位於哥倫比亞的按需遞送服務Merqueo的集團產品經理Cristian Niño表示:“當你有一個特定的支付網關時，當然這個支付網關必須非常強大。”但如果你已經投入了數月甚至數年的時間去開發另一款遊戲，那就很難了。”支付編排是一個用最少的努力控製多個網關的關鍵工具。PYMNTS最近與Niño進行了交談，以了解Merqueo如何利用該係統提供順暢的客戶支付體驗。 What Consumers Look For in Payments When it comes to customers’ payment preferences, convenience is king, according to Niño. Customers are looking for the most seamless option available, and for most individuals, that means credit cards. “Credit cards are one of the best options [for customers] because as soon as you register your credit card, you don’t need to include additional information,” he said. “Other kinds of [payment] services require more information before you can be able to buy something.” Customers are also hesitant to change when it comes to payments, even if a new option comes along that can promise added convenience. The only way they typically alter their payment habits is if an option they are used to no longer works as well, and when they wish to make the switch, convenience is still their top priority. “[Customers continue to use] payment methods that already work pretty well as long as they don’t experience any friction,” said Niño. “The only reason to change the payment method is maybe because they have had problems in the past.” Businesses run the risk of taking the blame if consumers face such problems in their payment methods, however, even if the merchants technically were not at fault. It is thus critical to ensure that behind-the-scenes payment processing is as smooth as possible, and payments orchestration systems are key to making this happen. How Payments Orchestration Makes Payments Easier Payment problems can arise without warning, and they are often not immediately fixable from the merchant’s end. This can lead to declined purchases or other hiccups that ruin customers’ shopping experiences and lead to abandonment. “A payments problem can happen at 4 a.m., [when] nobody’s working at fixing them,” said Niño. “We can have some problems at any time of day, and if we’re limited to a specific direct connection with a payment provider, it’s hard to change or handle that process.” Payments orchestration greatly simplifies payment processing by outsourcing the intensive and often tedious integration process to a third party. This allows all payment gateways to be consolidated in a single software stack, greatly limiting the potential for payment errors, as a payment can be routed through a different gateway. “That’s why we selected the option to have an orchestration system, via our partner, Spreedly, to ease that process as much as we can,” said Niño. “Before this, we were investing two to three months to launch a different payment gateway, but having an orchestration system makes that two to three weeks, which is a huge difference. If a transaction has a problem in one specific payment gateway, we can send it to another one [and] try to fix the problem.” This means a customer may not realize there was a payment issue at all — an ideal scenario for any merchant. Customers are attracted to businesses with smooth payment experiences, making payments orchestration a key facet of any merchant’s strategy.