电子钱包的诞生扭转了交易双方的市场地位。过去商户主导交易环节，消费者趋于弱势。但如今技术不断成熟，支付产品蜂拥而出，消费者成了“出卷人”，商户成了“答卷人”，市场成了“阅卷人”。商户如不能满足消费者需求、占据技术高点、升级支付体验，自然会“肥水流入外人田”。给支付环节动刀子、开方子，首先必须认识无现金支付三大痛点：一、员工培训周期长、成本高。为应对消费者差异化需求，商户不得不加大培训投入力度，强化员工应用各类支付产品技能。一旦人员流动，过往投入便打了水漂，培养一批成熟、稳定的员工，不仅劳神、而且伤财。二、资金结算渠道多、跟踪难。各家收单机构会根据自身实际确定不同的结算周期，商户如果同时对接多家机构，往往会陷入“一时一刻不得闲”的怪圈，疲于处理重叠交错的结算周期，在跟踪资金流向的过程中提心吊胆。三、交易环节变数大、处理烦。技术创造便利的同时，也带来一定的不确定性。部分商户反映交易报错偶有发生，如操作不当，容易给消费者或商户造成损失、引起不必要的麻烦。UQPAY通过对接各类电子钱包供应商，为商户提供“全覆盖”、“多要素”、“高效率”的一站式支付解决方案。同时，UQPAY深耕研发，把技术沉下去，把动能提上来，在支付产品从有到优的基础上，努力实现从优到精的飞跃，让商户在角色转换之间把握主动权。

How many e-wallets can one have?&nbsp;In this cashless age, anything is possible.&nbsp;With the influx of e-wallets, it has given consumers of the cashless industry the convenience they thought they could never have.&nbsp;What's more?&nbsp;Cashless payment options have allowed them a range of e-wallets they can choose from – basically the ones that suit their needs better.&nbsp;Yes, consumers may have the luxury of choice. The only problem that they may face is, choosing the best e-wallet from the crop.If that does not work out, all they have to do is be accepting of ALL e-wallets.&nbsp;&nbsp;On the contrary, it is all a different story when it comes to merchants dealing with the ever-growing quantity of e-wallets.Merchants have to deal with relentless competition and keep targeting for the best e-wallets – the ones with more users or promotions.&nbsp;With the burgeoning problem of the influx of e-wallets, merchants will then have subsequent challenges to face.&nbsp;Read more to find out about these challenges – something you can most definitely relate to if you are a merchant yourself.&nbsp;1) TRAINING OF EMPLOYEES&nbsp;Now, here's something most merchants will find a slight hurdle to solve, but completely necessary.&nbsp;When there are so many e-wallets in the market, it is crucial for merchants to train employees on how to use those applications.&nbsp;On top of that, there is the inevitable problem of retail turnover.&nbsp;This means more new employees, and retraining once again!&nbsp;But fret not, as the quickest solution to this challenge is to hire tech-savvy employees who can navigate their way through any technological problems.&nbsp;Besides, mobile applications are always user-friendly and can pose much more of a benefit than a challenge once mastered skilfully.&nbsp;2) A VARIETY OF SETTLEMENT PERIODS FOR DIFFERENT ACQUIRERSJust like how each product purchased has a different warranty period, each e-wallet acquirer has a different settlement period.&nbsp;And why is this a challenge?&nbsp;Merchants will need to keep track of the various settlement periods for each acquirer.&nbsp;Say, for instance, one merchant has 4 acquirers, and he or she has to deal with them all on their own!&nbsp;This is how the payment timetable of this merchant will look like:&nbsp;Acquirer A:&nbsp;4 days of settlement period&nbsp;Acquirer B:&nbsp;5 days of settlement period&nbsp;Acquirer C:&nbsp;3 days of settlement periodAcquirer D:&nbsp;3.5 days of settlement periodImagine having to work with 10 acquirers!&nbsp;Sounds too much of a hassle, doesn't it.3) PAYMENT TRANSACTION PROBLEMS&nbsp;As mentioned earlier on, anything is possible in this digital age.&nbsp;As much as technology raises one's convenience and speed, similarly; it may also bring about specific problems.&nbsp;A good scenario will be this:&nbsp;Merchant A has 2 acquirers. Now, the customer (holding two of the acquirer wallets) wants to pay with acquirer A. The payment has gone through, but suddenly, machine states that there is a transaction problem. The untrained employee does not know how to work a refund for acquirer A and proceeds to process the payment through acquirer B. After this, what is the merchant left with? 1) A refund problem from acquirer A with the possibility to pay back the settlement even after the refund is made 2) Acquirer B's settlementAmid payments, anything can go wrong with technology.&nbsp;Hence, it is essential to train your employees on problems that may arise while processing payments.&nbsp;Better to be safe than sorry!All in all, if you have gained an insightful understanding of the challenges that merchants face in the cashless industry, then we have a surprise solution for you.&nbsp;At UQPAY, we can solve all your acquirer problems with just a one-stop solution for various e-wallets. We work in conjunction with partners who can provide you with ALL the e-wallets you need for your cashless payments. To simply put it, we bridge the gap between merchants and e-wallets by processing prompt settlements for you.Going cashless is more a luxury than a dream.&nbsp;But the suite of problems it poses to merchants can prove to be counter-productive.Now, all of that can be solved with UQPAY!

竞争加剧促洗牌 红海仍有“UQ蓝”

竞争加剧促洗牌红海仍有“UQ蓝”