Platform Pembayaran ‘Menyerang’ Pasar Asia

Anda mungkin akan mengeluh ketika saya menyebutkan ‘platform pembayaran’, namun melihat berbagai perkembangan yang terjadi, platform ini semakin dilirik hari demi hari, dengan pemain baru yang mempelajari pasar sambil secara diam-diam menyiapkan produk mereka untuk membantu orang bertransaksi online. Beberapa layanan di segmen ini adalah PayPal Here atau Square.

Swiff, perusahaan yang berbasis di Singapura mencoba untuk melakukan hal yang serupa dengan apa yang dilakukan oleh Square untuk pasar U.S. Pada dasarnya, Swiff memberikan fasilitas yang memungkinkan orang biasa menerima pembayaran kartu kredit menggunakan ponsel mereka. Meskipun mereka tidak benar-benar membuat sebuah terobosan, mereka mencoba mengubah cara orang dalam bertransaksi, setidaknya di wilayah Asia.

Di U.S., Square diterima dengan cukup baik oleh para merchant dan bahkan berhasil mendapatkan pendanaan sebesar $169 juta dari berbagai VC dan investor strategis seperti Visa. Dan tentu saja Square dapat dengan mudah mengalahkan Swiff ketika mereka memutuskan untuk berekspansi ke Asia, dengan Visa yang mendukung mereka, hal ini hanya tinggal menunggu waktu saja.

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Payment platforms attacks Asian market

You might be doing that big sigh when I mention “payment platform” but looking at recent developments, this are is getting hotter by the day with new player trying to study the market while silently preparing their product to help people pay online. Asian version of Paypal Here, or Square.

Singapore-based company Swiff is trying to do exactly what Square does in US market, it basically enables regular people to receive credit payment using their mobile phones. Although they’re not exactly inventing a new wheel, they are trying to change the way people transact at least in the region.

In the US, Square is very well-received by its merchants and even manage to raise $169 million in funding from VC firms and strategic investors such as Visa. And of course Square can easily dwarf Swiff once they have decided to expand to Asia, and with Visa on their back it’s only a matter of time until it happens.

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Tokopedia Adds UNIK As a Payment Method

Last week Tokopedia announced that it has adopted UNIK as an additional payment option that its customers can use to purchase goods from its online stores.

UNIK, short for Uang Elektronik (Electronic Money) is a payment system developed by a company called Transmaya. it covers online purchases, utility bills, and phone credit top ups and the company is also working to add fund transfers to its service. To use UNIK, buyers will have to register as a member and deposit funds before they can take advantage of the facilities.

Tokopedia explains on its website that the benefit for customers by using UNIK is the instant verification of payments which allows a speedier transaction between merchants and buyers. For merchants, the benefit is the addition of UNIK users as potential customers.

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iPayMu Officialy Launched ‘EscrowMu’ Feature

Riyeke Ustadiyanto (founder of iPayMu.com) has announced in the Station Community Facebook Group and in the #startuplokal mailing list about the latest iPayMu feature called EscrowMu. Riyeke explained that EscrowMu is escrow professional software issued by iPayMu which allows both parties (seller and buyer) to be involved in the sale without any risk.

“EscrowMu can be owned by anyone who is interested to organize joint account or escrow. For buyers, they can be assured receiving 100% good condition of goods from the seller and the seller will be protected from online scams. If you run a webhosting business, domain appraisal service or website domain registration, we can add value to the site by offering customers an online escrow service”, explained Riyeke in our e-mail interview.

Riyeke also explained that EscrowMu (escrow premium iPayMu) feature was made to be more flexible and users can set the percentage amount of transactions that are set by the escrow owner. In addition EscrowMu merchant can put their own label branding.

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Tokopedia Tambahkan Pilihan Pembayaran dengan UNIK

Hari kemarin Tokopedia mengumumkan penambahan pilihan pembayaran di layanan mereka, pengguna kini bisa melakukan pembayaran dengan layanan UNIK.

UNIK sendiri merupakan singkatan dari Uang Elektronik, layanan pembayaran yang dikembangkan oleh PT. Transmaya. Layanan mereka meliputi pembayaran untuk belanja online, membayar tagihan dan isi pulsa dan mereka juga tengah mempersiapkan layanan untuk mentransfer uang. Pengguna harus menjadi anggota di UNIK, melakukan isi saldo untuk bisa melakukan berbagai fasilitas di atas.

Tokopedia sendiri mejelaskan di situs mereka bahwa keuntungan bagi pembeli dengan pembayaran UNIK adalah proses verifikasi pembayaran yang instan, yang memungkinkan penjual lebih cepat menerima order dan barang yang dijual bisa lebih cepat sampai ke pembeli.

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iPayMu Resmi Luncurkan Fitur ‘EscrowMu’

Riyeke Ustadiyanto (Founder iPayMu.com) beberapa waktu lalu mengumumkan di Facebook Group Komunitas Stasion maupun di milis #startuplokal tentang fitur terbaru iPayMu yaitu EscrowMu. Riyeke menjelaskan bahwa EscrowMu adalah perangkat lunak profesional escrow yang dikeluarkan oleh iPayMu yang memungkinkan kedua belah pihak (penjual dan pembeli) untuk terlibat dalam penjualan tanpa resiko apapun.

“Dimana EscrowMu dapat dimiliki oleh siapa saja yang berkepentingan untuk menyelenggarakan rekening bersama atau escrow. Untuk pembeli, mereka dapat yakin bahwa barang yang mereka terima dari penjual dalam kondisi baik 100% dan penjual akan dilindungi dari penipuan-penipuan online. Jika kita menjalankan bisnis webhosting, layanan domain appraisal atau website pendaftaran domain, kita dapat menambahkan nilai ke situs dengan menawarkan pelanggan layanan escrow online”, jelas Riyeke ketika kami wawancara melalui e-mail.

Riyeke juga menjelaskan bahwa fitur EscrowMu (escrow premium iPayMu) dibuat lebih fleksibel dan pengguna escrow dapat mengatur besaran persentase dari transaksi yang di atur oleh pemilik escrow, selain itu merchant EscrowMu dapat mencantumkan label branding sendiri.

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Tiket.com Is Now Accepting Credit Card Payment

As announced by their Twitter account, Tiket.com finally accepts payment by credit card. Tiket.com claims that they use payment system using the best technology to detect fraud and to support 3D Secure. Payment gateway that they use is CyberSource, and it’s also used by many large companies such as Apple, Microsoft, and Symantec. One of things that become 3D secure warranty technology is a guarantee from Visa and MasterCard to do full refund in case of fraud.

Previously, when Tiket.com was launched, they only can accommodate payment via bank transfer (ATM) and BCA or Bank Mandiri Internet banking. Method of payment via credit card isn’t only ease to be done via web but for those who are using mobile web, Tiket.com can be used easily as well. Tiket.com currently serves hotel room reservations, theater tickets blitzmegaplex, and one or two events.

Tiket.com was launched last November and received a tremendous feedback. During the promotion period Tiket gave away a three day vacation package to Bali and recently announced the winner of that lucky draw. We’ll now see whether Tiket can make it, following the promo period, in the increasingly tight online travel booking business.

Sedapur Provides Payments Via KlikBCA

E-commerce service for food, Sedapur.com, now provides payment method via KlikBCA for customers who purchased food in their site.

From the newsletter announcement that I’ve received, Sedapur customers are now having additional payment method beside inter-bank transfers (Mandiri and BCA Bank) by making payments directly from KlikBCA when they performs checkout process in Sedapur.com

How? When you are on the payment page (after booking the product) you can choose to pay via KlikBCA. You will then be prompted for your KlikBCA user ID and log into the site. Later on there will be Sedapur payment option in the e-commerce payment menu on Marketplace category. A list of transactions in Sedapur.com will appear and you can proceed with the authorization of payment using the keyBCA.

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Why E-banking and Mobile Banking Are Not That Appealing to Consumers?

Editor’s note : After Rama wrote about desktop vs mobile banking, we have a guest post by Dolly Surya Wisaka on the same matter but from the perspective of his experience and opinion on using and developing both e-banking and mobile banking systems, as well as suggestions on how to make these services more appealing for users.

Intrigued after reading the e-banking vs m-banking post on Detikinet and DailySocial, a statement quoted from one of the executives of Bank Mandiri that might show no harm for common people. But I feel obliged to point out my concerns regarding the misuse of the information to give the wrong conclusion.

In this opportunity I would like to share my thoughts on online and mobile banking based on my own experience and this discussion will be limited to those services only so we can focus on the issue.

First, let’s describe e-banking and mobile banking.

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New Features from BisTip.com: SafePay and Quick Message

Peer to peer courier service, Bistip.com launched two new feaatures for their users. The first one is BisTip SafePay and the second one is dealing with the messaging service called as Quick Message.

Quick Message is the feature provided for users to enable replying email from BisTip easier. Panggi Libersa from Bistip explained that this facility will enable users to send message without visiting BisTip website, they can use their email account. Further, their message will be saved in BisTip message service as an attachment on this facilitiy.

BisTip SafePay (as informed on its site since early October, but I only got informed about it few days ago), is a escrow facilities provided by BisTip for users to make payment for its delivery service as agreed by traveler and requester. Bistiper can use bank transfer system (currently, its only available for BCA) and PayPal.

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