電子錢包
Cardflo為一系列電子錢包提供全面支援。 提供這些支付方式可滿足現代消費者對速度和安全性的偏好，減少結帳摩擦。
整合多樣化的電子錢包有助於擴大客戶覆蓋範圍，並通過允許客戶按其偏好支付來提高轉換率。
- 類別
- 支付方式
- 功能數
- 10
- 適用於
- 所有方案
概覽
Digital wallets serve as software-based containers that store a user’s payment credentials, including debit and credit cards, alongside local payment methods. In the payments stack, these wallets act as an abstraction layer between the consumer and the underlying issuer.
When a customer selects a digital wallet at checkout, the transaction typically employs device-level security such as biometrics or passkeys to authenticate the user. The wallet provider communicates with the gateway and acquirer to facilitate an authorisation request.
This process often utilises tokenisation, where the primary account number is replaced by a device-specific token to minimise the risk of sensitive data exposure.
By integrating these methods via a PSP or payment orchestrator, merchants can accept various domestic and international schemes through a single interface, ensuring compliance with Strong Customer Authentication mandates while reducing the manual entry of card details.
運作方式
Credential storage and tokenisation
The user adds a payment card to their digital wallet, which then requests a virtual token from the card scheme and issuer.
This process replaces the actual card number with a device-specific identifier, ensuring that the merchant never handles the original sensitive data during the transaction cycle.
Customer authentication and intent
At the point of sale, the customer selects the wallet as their preferred method. The wallet application prompts the user for biometric verification or a passcode.
This step fulfills the requirements for Strong Customer Authentication under PSD2 regulations, providing a secure method to verify the cardholder's intent.
Encrypted payload transmission
Once authorised by the user, the wallet generates a secure, encrypted payload containing the payment token and a one-time security cryptogram.
The gateway receives this information and routes it to the acquirer, who then passes it through the card schemes to the relevant issuing bank for validation.
Authorisation and settlement
The issuer verifies the token and cryptogram against their records to approve the transaction. Upon approval, the gateway receives an authorisation code.
The funds are then processed through the standard clearing and settlement pipeline, eventually reaching the merchant's account according to their agreed payout schedule.
為何重要
Reduction in checkout friction
Digital wallets significantly decrease the number of steps required to complete a purchase, particularly on mobile devices. Because payment information and shipping addresses are stored within the wallet, the need for manual data entry is eliminated.
This reduction in friction is directly linked to lower cart abandonment rates in mobile commerce environments, as users can finalise transactions with minimal interaction.
Enhanced security and compliance
By leveraging biometric authentication and network tokens, digital wallets mitigate the risk of fraudulent activities and friendly fraud. The use of dynamic cryptograms for each transaction ensures that intercepted data cannot be reused for subsequent purchases.
Furthermore, the inherent support for two-factor authentication assists merchants in meeting regulatory standards for technical security without imposing additional hurdles on the customer.
Increased authorisation success
Transactions processed through established digital wallets often exhibit higher authorisation rates compared to traditional card-not-present transactions. The verified nature of the payment, combined with the presence of cryptograms, provides issuers with greater confidence in the legitimacy of the request.
This leads to fewer false declines and a more stable revenue stream for merchants operating across diverse geographical regions.
應用案例
Mobile commerce applications
Retailers with native mobile applications can implement digital wallets to provide a one-tap checkout experience, which is essential for capturing impulsive or time-sensitive purchases.
Subscription and recurring billing
Merchants can use wallet tokens for Merchant Initiated Transactions, allowing for seamless monthly billing while maintaining the security benefits of a tokenised payment environment.
Cross-border retail
Businesses expanding into international markets can adopt regional digital wallets to gain trust and relevance among local consumers who favour these methods over traditional credit cards.
In-person contactless payments
Brick-and-mortar stores can accept digital wallets through NFC-enabled terminals, providing a hygienic and rapid payment alternative that mirrors the online checkout experience.
數據概覽
This represents a typical industry range for merchants who add digital wallets to their mobile checkout, specifically by reducing abandonment associated with manual form entry.
Industry averages suggest that biometric wallet authentication can be completed significantly faster than manual 3DS challenges, which often require SMS codes or app switching.
Merchants often observe a modest increase in authorisation success rates when switching from standard card-not-present entries to authenticated wallet transactions.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 電子錢包
- 支援主要全球和區域電子錢包。
- 透過預填支付資料縮短結帳時間。
- 透過令牌化和生物識別身份驗證增強安全性。
- 顯著提高流動轉換率。
- 存取所有電子錢包交易的合併報告。
- 適應客戶不斷變化的支付偏好。
- Capability to process both one-off payments and recurring Merchant Initiated Transactions using stored wallet credentials.
- Detailed reporting and reconciliation for all wallet-based transactions through a consolidated merchant dashboard.
- Reduction in chargeback risk due to the secure nature of authenticated wallet payments and cryptograms.
- Support for multi-currency settlement to facilitate easier international expansion and cross-border commerce strategies.
A short scoping call, then a written plan for your MIDs.
Questions about 電子錢包
為什麼商戶應該提供電子錢包？
提供電子錢包可迎合越來越多的優先考慮便利性和安全性的消費者。 它通過簡化結帳流程減少購物車放棄，並通過先進的安全功能增強信任，最終推動更高的轉換率和客戶滿意度。
電子錢包如何提高支付安全性？
電子錢包通過令牌化等功能增強安全性，其中實際卡資料從不暴露給商戶。 它們還經常包含生物識別身份驗證，在傳統卡支付之外增加一層安全性，防止詐騙。
Cardflo支持哪些電子錢包？
Cardflo支持廣泛的電子錢包，包括Apple Pay和Google Pay等知名全球選項，以及各種區域和專業錢包。 我們的平台旨在高效整合新的支付方式，確保您與市場需求保持同步。
Do digital wallets support recurring payments and subscriptions?
Many digital wallets support recurring payments through a process known as Merchant Initiated Transactions. Once the customer performs an initial authenticated transaction and grants a mandate, the merchant can use the stored token to process subsequent payments.
However, it is important to ensure that the payment orchestration layer correctly flags these as MITs to avoid declines due to a lack of SCA on the repeat transactions.
How do digital wallets handle disputes and chargebacks?
The dispute process for a digital wallet transaction follows the standard card scheme rules for the underlying card. If a customer initiates a chargeback, the merchant will receive a notification through their acquirer or PSP.
Because wallet transactions often involve biometric authentication, defending against 'friendly fraud' may be more effective, as the merchant can provide evidence that the transaction was authorised by the legitimate user through a secure method.
Can a merchant accept digital wallets without a mobile app?
Absolutely. Digital wallets are widely supported on mobile browsers and desktop environments via web-based payment APIs.
When a customer checkouts on a website, the browser can invoke the digital wallet, allowing the user to authorise the payment on their mobile device or laptop.
This cross-device functionality ensures that the benefits of wallet payments are not limited to native applications but extend across all digital commerce channels.
What is required to integrate digital wallets into an existing checkout flow?
Integration requires a gateway or PSP that supports the specific wallet protocols. This involves adding the wallet's JavaScript library or SDK to the checkout page, mapping the wallet's response to the gateway’s API, and ensuring that the backend can handle the tokenised payment data.
Many modern payment orchestrators offer a single API that encompasses multiple wallets, simplifying the technical requirement to maintain separate integrations for each provider.