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マルチチャネルマーチャントが直面するペイメントプロセスの複雑性

Multichannel Merchants Face Payment Process Complexity

発行 Mercator Advisory Group, Inc. 商品コード 235232
出版日 ページ情報 英文 17 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=114.81円で換算しております。
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マルチチャネルマーチャントが直面するペイメントプロセスの複雑性 Multichannel Merchants Face Payment Process Complexity
出版日: 2012年03月30日 ページ情報: 英文 17 Pages
概要

当レポートでは、多様なペイメント構造を持つマルチチャネル・マルチナショナルマーチャントが直面する複雑性の問題について調査し、複数のプロセッシングシステム、マルチチャネルペイメント、および規制・コンプライアンス基準の多様性など複雑性を生み出す無数の要因、世界的なマーチャントソリューションの特長およびマーチャントの負担を軽減する3つの戦略的機能、マルチチャネル・マルチナショナル分野でペイメントゲートウェイとミドルウェアプロバイダーが果たす役割などについて分析しており、概略以下の構成でお届けします。

エグゼクティブ・サマリー

イントロダクション

ペイメントインフラの可動部の管理

  • 多角的なハードウェア/ソフトウェア/ミドルウェアシステム
  • マルチチャネルペイメント
  • 国内・地域的なペイメント手法・さまざまな支払いタイプ
  • 多様なペイメントサービス・インフラベンダー
  • 異なるアクワイアラーの価格決定方法
  • まったく別のレポートフォーマット
  • 規制・セキュリティコンプライアンス基準の多様性
  • 混乱に陥ったときの可視性の欠如

ペイメントソリューション機能

  • ゲートウェイかミドルウェアか?
  • 請求書の自動更新
  • レポーティング
  • コンテンツデリバリー、マーケティングおよびロイヤルティ
  • いや待てよ、もっと・・・

結論:世界のマーチャントサービス市場における影響因子

  • 整理統合・直販
  • 次世代のペイメントサービスプロバイダー
  • 長期的見通し

図表

目次

New research from Mercator Advisory Group examines payment solutions for global top tier merchants

Boston, MA -- Mercator Advisory Group's new report, “Multichannel Merchants Face Payment Process Complexity”, examines the complexity facing multichannel and multinational merchants with diverse (and consequently inefficient) payment infrastructure. Merchants selling retail goods through multiple channels -- in stores, online, through mail or phone order, at kiosks, etc. -- face myriad challenges when devising rational, cogent strategies for payment process management.

Managing multiple vendors is also a common challenge for multichannel merchants, since the systems supporting in-store payments are often drastically different from those for online retail activities. Different platforms and payment products typically have inconsistent reporting tools and output formats, creating further demands on merchant operators to rationalize a variety of data feeds.

This report covers these complexities in detail, identifying inefficiencies and potential challenges to merchant profitability as well as the need for increased visibility. It discusses solutions' features and functionality broadly and examines key features of significance for the multichannel merchant market. The conclusions are geared toward solution providers hoping to improve functionality of their products and potential merchant users who need to establish a business case for a product purchase or who may be considering an upgrade or vendor change.

“Merchant payment and e-commerce managers at e-retailers, digital content providers, subscription services providers, and other business types are familiar with the many moving parts involved in converting sales into payments, and solutions providers have begun to step up their development efforts to tackle these problems as their customers expand into new markets and channels,” David Fish, senior analyst at Mercator Advisory Group and author of the report comments. “However, with expansion comes an additional layer of complexity, and thus the vicious cycle persists”.

Highlights of this report include:

An in-depth discussion of multiple challenges facing multichannel merchants dealing with complex payment processes

Focused discussion of specific merchant pain points created by myriad factors, including multiple processing systems and devices, multichannel payments, the need to support local and regional payment types, vendor needs to support payment processing globally, divergent payments pricing, disparate reporting formats, and varying regulatory and security compliance standards

Examination of attributes associated with global merchant solutions and analysis of three strategic features that could relieve merchants' burden

Definition and identification of the roles that payment gateways and middleware providers play in the multinational, multichannel space

Conclusions geared toward the solution vendor community as well as payment processing executives within the merchant

One of three exhibits in this report:

This report is 17 pages long and has three exhibits.

Companies mentioned in this report include: Accertify, ACI, American Express, Apriva, Braintree Payments, Chase Paymentech, CyberSource, DataCash, Dwolla, Euronet, First Data, Global Collect, Kount, MasterCard, Merchant E-Solutions, NICE Actimize, PayPal, Retail Decisions, Retalix, Shift 4, Square, Transaction Labs, Transaction Network Services, VeriFone, Visa, and YesPay.

Table of Contents

Executive Summary

Introduction

Managing the Moving Parts of a Payment Infrastructure

  • Multiple Hardware / Software / Middleware Systems
  • Multichannel Payments
  • Local and Regional Payment Methods and Diverse Tender Types
  • Different Vendors of Payments Services and Infrastructure
  • Divergent Acquirer Pricing Methodologies
  • Disparate Report Formats
  • Varying Regulatory and Security Compliance Standards
  • Lack of Visibility into the Confusion

Payment Solution Features

  • Gateway or Middleware?
  • Recurring Billing
  • Reporting
  • Content Delivery, Marketing, and Loyalty
  • But Wait, There's More...

Conclusion: Factors Affecting the Global Merchant Services Market

  • Consolidation and Disintermediation
  • The Next Generation of Payment Service Providers
  • Long-Term Implications

Figures

  • Figure 1: Merchants Lack Visibility into the Payment Process
  • Figure 2: First Data's Information and Analytics Portal
  • Figure 3: Apriva's Mobile Wallet and Competing Products
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