Payment Im E-Commerce

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Payment Im E-Commerce JAHRGANG 9 | auguST 2014 | AUSGABE 2a THEMEN-BACKGROUNDER DER IBUSINESS-REDAKTION Bezahlsysteme: Payment im E-Commerce Die Wahl der richtigen Bezahlarten für jeden Kanal, jede Zielgruppe Auswahl: Der richtige Payment Provider und jeden Point of Sale ist für Umsatz: Onlinehändler überlebenswichtig. Game-Monetarisierung Denn nur wenn die Bezahlart stimmt, Übersicht: stimmt am Ende auch der Umsatz. Payment-Methoden Abschluss: Konversionsrate im Check-out sponsored by Shoptuning für das Backend und den • Grundgebühren - jährlich, monatlich • Minimum Processing Volume: Verlangt Checkoutprozess. oder keine? Marktüblicher Rahmen zwi- der Provider einen Mindestumsatz auf Den richtigen Bezahl- schen 60-300 € monatlich MehrZeitraum Kunden. oder Warenkorb Mehr Märkte. bezogen Mehr Erfolg. • Transaktionsgebühr: je nach Branche (wichtig für Start-Ups und Händler im ANZEIGE anbieter finden. zwischen 0,20-2,00 € pro Anfrage bzw. Micropayment Bereich)? Buchung • Branchenexpertise: Hat der Payment 15 Kriterien. • Gibt es gesonderte Gebühren für Gut- Service Provider Branchenkenntnis schriften? Manche Anbieter verlangen (evtl. für den Customer Support rele- Full Service Payment Provider und alterna- für die Abwicklung bis zu 15€. vant)? Geschäftsideentive Bezahlmethoden gibt es mittlerweile • Erlaubt der Vertrag eine Prüfung der • Auszahlungsflexibilität und Ge- wie Sand am Meer. Leider informieren die Kartendaten vor der Belastung? schwindigkeit: Wie schnell wird das Webseiten der meisten Anbieter nicht ver- • Mindestlaufzeit des Vertrags: üblich Geld nach einer Transaktion überwie- zukunftsfähigständlich über ihre Leistungen und lassen sind zwischen 6 und 36 Monaten. Wie sen? Besteht die Möglichkeit, mehrere daher nur eingeschränkt Vergleiche zu. lang ist die Kündigungsfrist danach? Auszahlungskonten einzurichten? • Bietet der Vertrag die Möglichkeit, mit Die vollständige Übersicht finden Sie im15 von 30 Internet interessanten Informationen und und ohne 3D-Secure zu arbeiten, bzw. auf www.payment-providers.com relevanten Services und Vertragspunkten ohne zu starten und später auf das si- möchten wir Ihnen kurz und knapp aufzeigen. cherere Verfahren ohne umständliche Seit 1995 unterstützt encurio eine Vielzahl unterschiedlichster Kunden Sebastian Rahmel ist Neuverträge umzusteigen? Geschäftsführer der inGrundlage der Umsetzung für die Integration onlinegestützter von Bezahl- Geschäftskonzepte.• Kostet 3D-Secure e xtraDabei, ggf. liegt einmalig der encurio GmbH. Fokusverfahren, auf für E-Commerce die Auswahl von Anwendungen Dienstleis- undund laufend? komplexen Portalen, sowie tern und für den Betrieb von Cash-Flow • Sitz des Unternehmens: Wo sitzt mein Seit 1994 entwickelt er derenInformationssystemen Usability und muss Prozessoptimierung. eine kritische Ansprechpartner? Sind die AGB auf Strategien für das Analyse der Konditionen und Anforderun- Deutsch erhältlich, wo ist der Gerichts- Internet. •gen Unternehmensberatung mit einer Unterscheidung zwischen stand? •essen Softwareentwicklung/ tiellen Funktionen und WebanwendungenSpezialan- • Welche Bezahlmethoden werden an- •forderungen Marketing sein. Für die erfolgreiche geboten (alternative E-Wallets, Last- Einführung und den Betrieb von Online- schrift, Direct Bank Transfer usw.)? Bezahlsystemen ist die Kostenkalkulation Viele Full Service Provider decken oft Fragenund die FunktionalitätSie nach, was im jeweiligen wir für SieMarkt tun können:die wichtigsten 02 21/ 99Bezahlmethoden 222 160 über encurio unterstützt eine Vielzahl unter- www.encurio.comvon zentraler Bedeutung. Leider gibt es ihr Payment Gateway ab. Wer aber inter- schiedlichster Kunden in der Umsetzung on- bisher keine allgemein verbindlichen Vor- national oder in Nischen unterwegs ist, linegestützer Geschäftskonzepte. Dabei liegt der Fokus auf eCommerce Anwendungen und lagen, die einen transparenten Vergleich sollte sich im Vorfeld über die alternati- Kompetenzen: komplexen Portalen, sowie deren Usability- ermöglichen. Aus diesem Grund haben wir ven Bezahlmethoden genau erkundigen. und Prozessoptimierung. auf unserem Portal Payment Providers die • Ist das Payment Gateway Multi-Shop/ wichtigsten Kriterien aus den vielfältigen multitenant fähig? Kann ich mehrere Das Portal payment-providers.com ist eine und komplexen Anforderungen an Online- Shops über einen Account verwalten? Inititative der encurio GmbH und die welt- Referenzkunden: Bezahlverfahren für Sie zusammengefasst. • Dynamic Currency Conversion: Tagesak- weit einzige mehrsprachige und branchen- Nachfolgend nennen wir Ihnen 15 von 30 be- tuelle Umrechnung von Währungen im übergreifende Suchmaschine für Online Pay- achtenswerten Services und Vertragspunkten: Payment Gateway. ment Lösungen. www.encurio.com Alle Bezahlanbieter analysiert. Zu unseren Leistungen zählen u.a.: Alle Branchen. Alle Bezahlmethoden. Alle Shopsysteme. • Unabhängige Beratung zur Auswahl des richtigen Payment Providers payment-providers.com bildet die umfangreichste und ver- • Strategieberatung und technische Beratung durch Experten trauenswürdigste Quelle von Informationen über Online- • Integration von Bezahlsystemen und Schnittstellen Payment-Lösungen im Web. • Optimierung der Usability • Optimierung von Buchungssystemen bei der Vernetzung von lokalen Geschäften mit dem Onlinehandel • Entwicklung von Softwaremodulen für eCommerce Anwen- dungen • Senken der Kosten des Geldverkehrs, Vermeidung unnötiger Gebühren, Beschleunigung von Transaktionen • Sicherheitschecks mit unserem Partner TÜV Saarland Ein Service der encurio GmbH, Köln [email protected] • Telefon 0221 - 99 222 160 payment-providers.com Ohne Bezahlung funktioniert am Ende alles nicht Es ist egal, wie komplex Ihr Geschäftsmodell aussieht. Ob Sie Für die allermeisten im E-Commerce ist das Payment eines der Knüpfteppiche aus der Inneren Mongolei importieren und diese langweiligsten Themen überhaupt: Je geräuschloser das Pay- mit einem werbefinanzierten Frontend vom Kunden selbst ge- ment funktioniert, je weniger ich in diese Technik investieren stalten lassen, während Sie sich die Beschäftigung der Knüpf- muss – sei es nun Manpower, Geld oder Kunden-Absprungraten mongolen vom dortigen Arbeitsminististerium finanzieren las- – umso besser. Und doch ist Payment eines der wichtigsten The- sen. Oder ob Sie Marketingapps entwickeln, die für den Nutzer men überhaupt. Dieses Dossier hilft dabei, dass am Ende das kostenlos sind, weil per In App Buying werbefinanzierte Brand- rauskommt, was rauskommen soll. Geld nämlich. Objekte benutzt werden müssen: Ohne Transaktionen, die ganz am Ende zu einer Bewegung auf Ihrem Konto führen, wird das Herzlichst, Ihr in diesem unseren Wirtschaftssystem alles nicht funktionieren. Joachim Graf Herausgeber Übrigens: Wenn Sie unsere iBusiness-Dossiers regelmäßig und kostenlos zugeschickt bekommen wollen: Hinterlassen Sie ein- fach unter http://ibu.si/K Ihre Adresse. SCHNELL UND EINFACH ZAHLUNGEN ONLINE AKZEPTIEREN Mit unseren vorkon gurierten Paketen ist die Zahlungsabwicklung für Ihren Online-Shop schnell einsatz- fähig. Und auch im klassischen Versandhandel und im stationären Handel können wir Ihnen helfen. Nicht umsonst sind wir der exklusive Anbieter für Kartenakzeptanzlösungen des Geschäftsbereichs Global Transaction Banking der Deutschen Bank in Europa und wurden wiederholt als bester Anbieter für inter- national agierende Händler ausgezeichnet. [ 2 ] Unser Angebot für iBusiness-Leser: www.EVOpayments.eu/de/ibusiness/ iBusiness Dossier – Themenbackgrounder der iBusiness-Redaktion Inhaltsverzeichnis ISSN 1861-8197 Jahresbe zug: Der Bezug von iBusiness Dossier ist in der iBusiness- Premium-Mitgliedschaft enthalten. Jahresbeitrag: 290,- Euro, Preise inkl. Porto, zzgl. MwSt. iBusiness Game-Monetarisierung: Dossier dient ausschließlich der Hintergrundinformation für 4 iBusiness-Premium-Mitglieder. Über 50 Milliarden Euro von Joachim Graf Freianweis ungen sind aus grundsätz lichen Überlegungen nicht möglich. Nach druck und Vervielfältigung in jeder Form, auch auszugsweise nur mit schriftlicher Genehmigung. Mobile Payment: Unberechtigter Nachdruck oder Vervielfältigung ziehen Schadensersatzforderungen nach sich. 8 Wo der Kundennutzen wartet Mitteilung gemäß § 8, Artikel 3 des Bayerischen Pressegesetzes von Verena Gründel Inhaber des HighText-Verlag Graf und Treplin OHG sind zu jeweils 50 Prozent Joachim Graf (verantwortlich für Redaktion Payment Service Provider: und Anzeigen) und Daniel Treplin (beide Journalisten, München); Handelsregister München HR A 72216 10 Wer die Wahl hat, hat die Qual Anschrift Verlag und Redaktion von Andre Kadzikowski HighText Verlag Wilhelm-Riehl-Str. 13 80687 München Übersicht Tel.: (089) 57 83 87-0 Fax: (089) 57 83 87 99 14 Anbieterübersicht Zahlungsverfahren E-Mail: [email protected] URL: http://www.ibusiness.de SEPA-Einführung in Europa: [email protected] Joachim Graf, Sebastian Halm, Heinke-Shanti Rauscher, Susan 16 Rönisch, Daniel Treplin Entwarnung für den deutschen Onlinehandel von Susan Rönisch [email protected] Daniela Seitz Den Checkout-Prozess optimieren: [email protected] Nicos Fucicis, Andrea Lemmen, Benjamin Karg, Klaus Rügemer 21 Steine aus dem Weg räumen Mitgliederver waltung von Sebastian Rahmel Bianka Matthies (bma@ ibusiness.de) Titelfoto Chance statt Bedrohung: Hightext Verlag 24 Betrugsprävention als Ticket zum Erfolg Technik und Webverwaltung ([email protected]) von Balduin Müller-Platz Sven Noherr Grafik und Produktion Zahlungsinnovationen: ([email protected]) Charles Steiman 26 Wie Payment und Marketing Gertrud Graf, Monika Herbig
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