怎么接受微信支付通知

Being able to accept internet payments from customers is essential for any online business and so it’s important that before you begin trading, you have a system in place which can process financial transactions quickly and safely. In this article, we’ll discuss the different ways websites can accept payments and what you need to do to set your website up.

能够接受客户的互联网付款对于任何在线业务都是必不可少的，因此，在开始交易之前，拥有一个可以快速安全地处理金融交易的系统非常重要。 在本文中，我们将讨论网站可以接受付款的不同方式以及建立网站所需的操作。

不同的付款方式 (Different ways of getting paid )

For the majority of shoppers, paying for goods and services purchased online is done by credit or debit card. In addition, many online customers also like to use PayPal. These three methods are going to be the main ways your customers will prefer to pay online so it is important that you are able to offer these three methods.

对于大多数购物者而言，通过信用卡或借记卡支付在线购买的商品和服务的费用。 此外，许多在线客户还喜欢使用PayPal。 这三种方法将成为您的客户更喜欢在线支付的主要方式，因此，能够提供这三种方法非常重要。

There are alternatives which you can also use. Although it’s becoming outdated, some websites still allow customers to pay by cheque, which can be the preferred method of people who don’t fully trust paying online. Websites that deal mainly with business to business transactions will also accept cheques and allow bank transfers, but these are mostly reserved for customers with a credit account or who are making payment on delivery.

您也可以使用其他选择。 尽管它已经过时，但某些网站仍允许客户以支票付款，这可能是不完全信任在线支付的人们的首选方式。 主要处理企业对企业交易的网站也将接受支票并允许银行转帐，但是这些网站主要是保留给拥有信用帐户或正在付款的客户。

接受信用卡和银行卡付款 (Accepting credit and bank card payments)

To accept credit and debit card payments on your website you will need to have three things in place: a merchant account, a payment processor and a payment gateway.

要在您的网站上接受信用卡和借记卡付款，您需要具备以下三个条件：商家帐户，付款处理器和付款网关。

商家帐户 (Merchant accounts)

A merchant account is a form of business bank account that will accept payments made by credit and debit over the internet. Once the payment has been received, the money is transferred to your business current account – the merchant account itself does not accrue a balance.

商户帐户是商业银行帐户的一种形式，它将接受通过Internet进行的贷记和借记付款。 收到付款后，这笔钱会转入您的企业往来帐户-商户帐户本身不会产生余额。

You can set up a merchant account with your own business bank or through a third party payment processor – there are many third party processors available.

您可以使用自己的商业银行或通过第三方付款处理器来设置商家帐户-有很多第三方处理器可用。

Merchant accounts are not free. Some charge monthly fees and most of them will take a small percentage of each transaction that you make. Rates vary and so it is worth looking around for the deal that is best for you – though it can be difficult to compare. Those that charge a monthly fee often have lower transaction rates and some of those that have no monthly fee will charge a small fixed fee plus a percentage for each transaction.

商家帐户不是免费的。 有些收取月租费，其中大多数会占用您每次交易的一小部分。 价格各不相同，因此尽管值得比较，但值得寻找最适合您的交易。 那些收取月费的人通常具有较低的交易费率，而一些不收取月费的人将收取少量的固定费用，以及每笔交易的一定百分比。

付款处理器 (Payment processor)

A payment processor is a financial services company that processes the payments taken on your website. They take the information sent by your customer and will deal with the credit card company to authorise the payment so that it goes into your merchant account. They will also do this in reverse to help you make refunds.

付款处理器是一家金融服务公司，负责处理您网站上的付款。 他们将采用您客户发送的信息，并将与信用卡公司进行交易以授权付款，以便将其转入您的商家帐户。 他们也会反向执行此操作，以帮助您退款。

Payment for your payment processing service will usually come under the cost of your merchant account fees or vice versa.

付款处理服务的付款通常会在商家帐户费用的费用之内，反之亦然。

支付网关 (Payment gateways)

The payment gateway is the secure checkout on your website. It is a piece of software, built into your website, that is able to calculate the cost of the items in your customer’s shopping basket, add tax and shipping costs and deduct discounts for vouchers, etc. It will then accept credit card details and security information from the customer. Most importantly, it will encrypt these so that the personal data remains secure during the transfer from your website to the payment processor.

付款网关是您网站上的安全结帐帐户。 它是内置在您网站中的软件，能够计算客户购物篮中商品的成本，增加税金和运输成本并扣除优惠券折扣等，然后它将接受信用卡详细信息和安全性来自客户的信息。 最重要的是，它将对这些信息进行加密，以便在从您的网站到付款处理器的传输过程中，个人数据保持安全。

Most payment processors will provide you with the payment gateway software that you need to install on your website. The majority of e-commerce website themes, templates and plugins enable payment gateways to be easily integrated into your online store. Read more on payment gateways, here.

大多数付款处理器会为您提供您需要在网站上安装的付款网关软件。 大多数电子商务网站主题，模板和插件使付款网关可以轻松集成到您的在线商店中。 在此处阅读有关支付网关的更多信息 。

贝宝 (PayPal)

PayPal is a very popular way for people to pay online. There are two main ways you can use PayPal; PayPal Gateway or PayPal Standard. PayPal Gateway is just like any other gateway and works by installing a secure checkout on your website. PayPal Standard works in a slightly different way. Instead of buying directly from your website, your customers are redirected to PayPal. Here they log into their own PayPal account and will authorise payment to you from there before being redirected back to your site. PayPal will then send confirmation emails to your customer for you, informing them that the payment has been authorised.

贝宝(PayPal)是人们非常流行的在线支付方式。 您可以使用两种主要方式来使用PayPal； 贝宝网关或贝宝标准。 PayPal网关与任何其他网关一样，可以通过在您的网站上安装安全的结帐功能来工作。 PayPal Standard的工作方式略有不同。 您的客户不会直接从您的网站上购买，而是被重定向到PayPal。 他们在这里登录自己的PayPal帐户，并会从那里授权向您付款，然后再重定向回您的网站。 然后，贝宝(PayPal)将向您的客户发送确认电子邮件，告知他们付款已被授权。

PayPal Standard is a useful addition to your business if you have opted for an alternative payment processor but still want customers to be able to use PayPal if they wish. Unlike merchant accounts, the money deposited into your PayPal Standard account is not automatically transferred to your business current account. You will need to do this manually or set up a transfer.

如果您选择了备用支付处理器，但仍希望客户能够根据需要使用PayPal，则PayPal Standard是对您的业务的有益补充。 与商家帐户不同，存入您的PayPal标准帐户的资金不会自动转入您的企业往来帐户。 您将需要手动执行此操作或设置传输。

获得在线购物者的信任 (Getting the trust of online shoppers)

If you sell online, it is important that potential customers see your site as trustworthy. As people get wiser to internet security, no-one is going to type their credit card details into a website that doesn’t appear genuine.

如果您在网上销售商品，那么潜在客户必须将您的网站视为值得信赖的网站。 随着人们对互联网安全的认识越来越高，没人会在一个看起来不是真的网站上输入他们的信用卡详细信息。

One important way to do this is to have an SSL certificate. SSL is a way of encrypting personal data that customers input into your website so that it cannot be stolen. A website with an SSL certificate can boost confidence in customers. A website without one can be flagged as unsafe by security software that customers have installed on their computers and mobile devices.

一种重要的方法是拥有SSL证书。 SSL是对客户输入到您的网站中的个人数据进行加密的一种方式，以使其不会被盗。 具有SSL证书的网站可以增强客户的信心。 客户安装在其计算机和移动设备上的安全软件可以将没有网站的网站标记为不安全。

Websites with an SSL certificate can be recognised because they have a green padlock next to their web address on a browser. They also have a web address that begins with ‘https’ instead of ‘http’. You can purchase an SSL certificate from your web host.

可以识别具有SSL证书的网站，因为它们在浏览器上的网址旁边有一个绿色的挂锁。 他们还有一个以“ https”开头而不是“ http”开头的网址。 您可以从网络主机购买SSL证书 。

结论 (Conclusion)

Online consumers want their online shopping experience to be quick, convenient and safe. They want to pay instantly and their products delivered today or tomorrow. Accepting online payments by credit card, debit card or PayPal gives them the speed, convenience and security they desire. And by speeding up payment, it gives you the chance to ship your products quickly to your customers.

在线消费者希望他们的在线购物体验快速，便捷和安全。 他们想立即付款，今天或明天交付产品。 通过信用卡，借记卡或PayPal接受在线支付可为他们提供所需的速度，便利性和安全性。 通过加快付款速度，它使您有机会将产品快速交付给客户。

If you are considering setting up an online business and are looking for a web host, why not take a look at our own easy to use Amazing Website builder?

如果您正在考虑建立在线业务并正在寻找虚拟主机，为什么不看看我们自己易于使用的Amazing Website builder ？

翻译自: https://www.eukhost.com/blog/webhosting/how-to-accept-online-payments-on-your-website/

怎么接受微信支付通知