e-Payments Development


e-Payment has developed at supersonic speed and has experienced extremely rapid growth. Payment habits globally are also changing. The e-Payment market is increasingly active. In some countries in Europe, entire cities have already gone cashless. You have in front of you a dizzying array of payment choices. How much do you know about them?


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Alipay HK
American Express
WeChat Pay
Octopus card is a contactless stored value card that provides customers a simple, safe and secure way to pay. First launched in 1997, from a simple way to pay fares on public transport, Octopus has extended the service into small-value payments in the retail sector as well as many other applications, including government tolled tunnels and roads, parking, access control for residential and commercial buildings, various school facilities, self-service kiosks, and also online payment service with NFC-enabled mobile devices. Today, Octopus is more than just a card. From On-Loan Octopus to merchandise for consumers and corporations, including key chains, ornaments, watches and limited-edition Octopus cards, the growing range of Octopus products is designed to find a fit within every lifestyle.
The electronic wallet is operated by Alipay Financial Services (HK) Limited and supervised by the Hong Kong Monetary Authority. Alipay Payment Services (HK) Limited (APSHK) is a joint venture established and managed by the CK Hutchison Holdings Limited, a multinational conglomerate spanning over 50 countries and Ant Financial Services Group, a leading global technology and financial services company and parent company of “Alipay”.
Currently, the number of users of AlipayHK has exceeded 2 million and over 50,000 local retail outlets have supported electronic wallet for payment, covering large chain stores, convenient stores, drugstores, supermarkets, minibuses, fresh markets, taxies, restaurants and others. In addition to the payment service, the mobile application provides a wide range of lifestyle and convenience services for Hong Kong users, enabling Hong Kong residents to enjoy the convenience of this epoch-making multi-function electronic wallet.
Merchant Offers Page
AlipayHK has created a "Merchant Offers” page which merchant can through this platform to push their offers/promotions that can increase the visibility of the merchant. And it will be a real win-win situation for merchants, AlipayHK and customers.
Merchants can apply to join an exclusive E-stamp offer, which drives the traffics and increase the customer re-visit rate to the store that can help to increase the volume of sales.
As the market leader, Alipay has the most global users and the second largest third-party payment company with 870 millions users in 39 countries in the world as at 31 March, 2018. Imagine that how well can merchants be benefited if all 870 millions are turned to merchant’s potential customers.
Cross Border Coupons Page
Alipay has constructed a ‘Departure Benefit’ platform, merchants can recommend discount or promotion to Alipay users through this platform which extends the opportunities of business
Mini program
Alipay mini program is a new open mode, it operates in customer’s side without downloading app, message and information can be received and spread conveniently. Merchants/developers provides users a wide range of services through mini program, which can increase user experience and build up brand image.
American Express
As an internationally renowned financial services company found in 1850 with its headquarter situated in New York, American Express is the world's largest card issuer by purchase volume and processes millions of transactions daily as the premium network for high-spending cardmembers. American Express has been recognized as the most innovative company in the industries and operates one of the world’s largest travel networks.
Mastercard operates the world’s fastest payment processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories
Visa The world’s leader in digital payments
Visa connects the world through the most innovative, reliable and secure payment network - enabling individuals, merchants, businesses, banks and government to promote electronic payment. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. Visa will continue to dedicate relentless focus on technology innovation and develop the newest payment methods, and drive the dream of a cashless future for everyone, everywhere.
Visa’s worldwide acceptance Helping you reach more consumers
.Visa can be found in more than 200 countries and regions
.More than 50 million merchant locations worldwide*
.Consumers around the world carry 3.3 billion Visa cards ^
*Source: Data provided to Visa by operating financial institutions and other third parties.
^Source: Figure is from Visa’s operational performance data and updated as of September 30, 2018.
Visa Contactless Becoming more popular

In Hong Kong, more than half of face-to-face Visa transactions are contactless# . Visa users can tap and pay with contactless credit card, or enabled mobile devices such as smart phones and smart watches. Payment is simple, fast and secure.
#Source:Figure is from VisaNet and updated as of 31 March, 2019.

Visa Payment Transaction Safe & Secure
Given Visa’s global footprint – accepted by merchants in more than 200 countries and regions – Visa takes a rigorous and multi-layered approach to security. As such Visa cards follow EMV® specifications on security and global interoperability. In addition, Visa Token Service enables seamless digital payment experiences while also protecting consumers’ sensitive information falling into the hands of fraudsters. 
The App of UnionPay
The UnionPay mobile application is the unified mobile payment portal of China's banking industry launched by UnionPay together with commercial banks and payment service providers in China. The app offers one-stop mobile payment services to its users.
So far, users of the UnionPay app can enjoy safe and convenient mobile payment services in 47 countries and regions. UnionPay QR code payment is accepted at over 11 million merchants in mainland China, and is available in 31 countries and regions outside mainland China. The app users can also make tap&go payments at over 2.8 million POS terminals in 37 countries and regions.

WeChat Pay

WeChat Pay is a leading third-party payment platform of Tencent Holdings Limited in China. ‘Not just Pay in WeChat Pay’ as their core value. WeChat Pay has always been devoted in providing users and enterprises secure, convenient, professional online payment services. ‘Smart living Solution’ seems WeChat Pay as a core and is now covering numerous industries, such as retailing, catering, medical, transportation, home affairs etc.. Not only does it provide exclusive daily conveniency for a billion active WeChat users, but also enhances the capability of sales for merchant, which causes a ‘cash-free’ live style, and builds a intelligent society.


Public account

WeChat public account is a service platform where provides merchants with exclusive business services and ability of user management. Merchant can recommend latest brand-related news and information. They can also invent booking system,  customer service system, product introduction, positioning service etc. by establishing online shop which expand sales platform for merchants. They can have deeper interaction with customers in order to provide better service at the same while.

Mini program
WeChat mini program is a brand new open platform. Phone users do enjoy perfect user experience by receiving and spreading message and information freely and easily through mini program without installing any mobile app. The expense for invention of mini program is smaller than any other mobile app in the past. Merchants can establish a mature, convenient, and great ecosystem between them and users by linking up with mini program, such as public account linkage, friend recommendation, QR code, searching and advertisement etc..
Scan code to get red packet
WeChat launched a new sales mini program platform in providing various discounts, including exchange rate discount, doubled discount, shopping mall event discount, industrial event discount etc., it replaced the red packet event in the past. Besides, branded merchants can open a unique merchant web page in mini program, and display merchant discount in order to improve brand image and stimulate consume.