Aggregator là gì

Payment aggregators make it easier for your growing business to lớn accept online payments. Here’s what you need to know khổng lồ get started.Quý khách hàng sẽ xem: Aggregator là gì

Payment aggregators are third-các buổi tiệc nhỏ providers that allow businesses to accept online & thiết bị di động payments without needing to involve a ngân hàng.

Bạn đang xem: Aggregator là gì

— Getty Images/Nastasic

In 2018, e-commerce sales accounted for nearly 15% of all retail sales. So the ability to lớn accept online payments is crucial for growing your business & providing quality service to your customers. And many business owners find that the easiest way khổng lồ bởi vì this is by using a payment aggregator.

What is a payment aggregator?

A payment aggregator is a service provider that allows merchants khổng lồ process di động or e-commerce payments. They let businesses accept credit & debit thẻ payments without setting up a merchant tài khoản through a bank.

Instead, you use a third-party payment provider to lớn process your online transactions for you. The provider groups your business with other merchants và accepts payments on behalf of everyone.

5 Ways Your Business Can Accept Payments>

If you mix up a merchant tài khoản, you’re the owner of that account. Whereas when you use a payment aggregator, you become the sub-merchant and rely on the other company’s merchant tài khoản.

A payment aggregator is a service provider that allows merchants to lớn process Mobile or e-commerce payments

Advantages of using a payment aggregator

Here are some of the biggest advantages of using a payment aggregator:

Disadvantages of using a payment aggregator

There are downsides lớn every business decision. Here are a few disadvantages to lớn using a payment aggregator:

Delayed funds. When your customers pay you, the money goes through the payment aggregator first. This means they have control over when the funds are dispersed.

Xem thêm: Các Mô Hình Đo Lường Sự Hài Lòng Của Nhân Viên

Most will put a 24-48 hour hold on dispersing the funds but in some cases, the hold could be longer.Possibility of tài khoản holds. When you work with a payment aggregator, that company assumes a certain amount of risk on your behalf. So they take potential security threats very seriously. If any of your payment activity is suspected of being fraudulent, they can place a hold on your tài khoản. Higher fees. As your transaction volume continues khổng lồ grow, so will the fees. That’s because a larger transaction volume translates khổng lồ more payment processing risk. And some payment aggregators put limits on the number of transactions they are willing to lớn process so you’ll want lớn find out this information ahead of time.

Understanding Credit Card Processing Fees and Chargebacks>

There’s no right answer when it comes to lớn how your business should accept online payments. But payment aggregators are preferred by most small businesses that process a low number of transactions.

Do your homework before choosing a payment aggregator. Find out the company’s fee structure & whether they put a limit on the number of transactions they’ll process. And it’s also a good idea to find out what kind of customer tư vấn they offer if there’s ever a problem.

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.