接受数字钱包支付正在成为处理线下客户交易的任何企业的标准做法。消费者越来越多地使用手机而不是实体钱包进行购物，零售企业也在让自己做好准备，以便在这个“触碰”迅速取代“刷卡”的时代开展业务。打算使用三个或更多数字钱包的消费者比例从 2021 年的 18% 增加到 2022 年的 30%。

请继续阅读，了解为您的企业接受数字钱包付款的一切信息。

目录

• 什么是数字钱包？
  
• 如何接受数字钱包付款
  
• 我需要什么硬件才能接受数字钱包付款？
  
• 数字钱包付款对企业的好处
  
• 与数字钱包付款相关的成本
  
• 数字钱包应用
  

什么是数字钱包？

数字钱包技术将智能手机变成可以发起金融交易的支付设备。与实体钱包类似，数字钱包存储各种可在销售点使用的支付方式—信用卡、借记卡和银行账号。

功能因底层技术而异。大多数数字钱包允许移动设备在任何支持感应式交易的销售点进行支付，但有些数字钱包还允许客户使用奖励、消费忠诚度积分或存储音乐会和电影票、个人身份证明、登机牌等。

我们将重点关注数字钱包的支付方面，以及企业需要了解哪些信息才能开始接受这种日益普及的支付方式。

Why businesses should accept digital wallets

Expanding the number of payment methods you accept can benefit your business, while offering limited payment options can reduce conversion rates because they create a barrier for would-be customers. Digital wallets, in particular, offer businesses unique advantages. Whether your business primarily sells in-person, online, or both, digital wallets give customers flexibility and speed up the checkout process. In a physical store, customers can tap a smartphone or smartwatch to pay in seconds. Online, customers can check out in a single click, giving them fewer reasons to abandon their cart before completing the purchase.

Customers increasingly prefer digital wallets over other payment methods: 15% of digital wallet users report regularly leaving their physical wallets at home, and an additional 11% consider doing so when they know they’ll be able to use a digital wallet. Adopting digital wallets can also help you reach a broader customer base. Asia dominates when it comes to digital wallet spend, but adoption is growing in many regions. More than 4.3 billion people use digital wallets globally, including 57% of US adults as of 2024. Digital wallets make your business more accessible for people who prefer this payment method.

Digital wallets employ encrypted transactions and biometric authentication, which makes them highly secure. Because digital wallets interface with most modern payment systems, businesses have minimal—if any—work to do in order to accept this payment type. All Stripe hardware, for example, can accept digital wallet payments.

如何接受数字钱包付款

大多数支付处理提供商都支持数字钱包支付。如果您已经有提供商，请与他们联系，以获取有关在其硬件和软件生态系统中设置这些付款的帮助。如果您的支付处理提供商目前不支持数字钱包支付，那么可能是时候寻找新的提供商了。

如果您刚刚开始接受客户付款，可能仍需要选择商家服务提供商并开设商家账户。这些提供商可以帮助您通过信用卡和借记卡、支票和 ACH 转账以及数字钱包等支付方式接受和处理客户的付款。他们通常还提供在实体零售店和在线接受付款所需的销售点 (POS) 软件和硬件。根据您的选择，您的商家服务提供商还可能提供电子商务、营销或分析支持。

我需要什么硬件才能接受数字钱包付款？

数字钱包付款是使用近场通信 (NFC) 线下处理的，该技术使彼此靠近的两台设备能够相互无线通信。移动读卡器和现代支付终端 通常使用数字钱包接受感应式付款。

与数字钱包付款相关的成本

支付处理提供商往往会在处理这些感应式付款时收取费用。但是，Stripe 不会为处理 Apple Pay 付款收取额外费用，并且定价与其他银行卡交易相同。

大多数数字钱包提供商都会针对每笔交易向托管存储在钱包中的支付方式的银行和其他金融机构收取一小部分费用，从而赚取收益。在大多数情况下，这笔额外费用不会向客户或他们光顾的企业收取。

数字钱包应用

数字钱包市场将继续扩大，未来几年将有新的竞争对手进入该领域。目前占主导地位的数字钱包提供商包括广泛使用的应用，如 Apple Pay、Google Pay 以及来自主要信用卡网络的各种应用，但这个行业的市场份额正在不断扩大。

How Stripe Payments can help

Stripe Payments provides a unified, global payments solution that helps any business accept digital wallet payments online, in person, and around the world.

Stripe Payments can help you:

• Optimize your checkout experience: Create a frictionless customer experience and save thousands of engineering hours with prebuilt payment UIs, access to 100+ payment methods, including more than a dozen digital wallet payment methods, and Link, a wallet built by Stripe.
  
• Expand to new markets faster: Reach customers worldwide and reduce the complexity and cost of multicurrency management with cross-border payment options, available in 195 countries across 135+ currencies.
  
• Unify payments in person and online: Easily track and reconcile digital wallet payments across online and in-person channels.
  
• Improve payments performance: Increase revenue with a range of customizable, easy-to-configure payment tools, including no-code fraud protection and advanced capabilities to improve authorization rates.
  
• Move faster with a flexible, reliable platform for growth: Build on a platform designed to scale with you, with 99.999% uptime and industry-leading reliability.
  

Learn more about how Stripe Payments can power your online and in-person payments, or get started today.