La SBM est la première banque locale à introduire Alipay à Maurice.
Les acheteurs chinois peuvent désormais payer leurs achats chez nos revendeurs à Maurice en utilisant Alipay, la plus grande société de paiement en ligne et mobile du monde, dirigée par Ant Financial Group, filiale du magnat du commerce électronique Alibaba Group. Lancé en 2004, Alipay compte actuellement plus de 520 millions d'utilisateurs actifs et de partenaires (plus de 450 institutions financières dans le monde).
Alipay est un ewallet mobile utilisé principalement en Chine. Alipay a évolué d'un portefeuille numérique à un instrument de style de vie. Il s'agit d'un mode de paiement en magasin via les smartphones utilisant le concept de code QR. Les utilisateurs peuvent héler un taxi, réserver un hôtel, acheter des billets de cinéma, payer des factures de services publics, prendre rendez-vous chez des médecins ou acheter des produits de gestion de patrimoine directement à partir de l'application. En plus du paiement en ligne, Alipay étend les paiements en magasin à l'intérieur et à l'extérieur de la Chine.
Propositions de valeur pour les marchands:
• Mode de paiement rapide et facile
• Solution sécurisée, économique, confortable et fiable
• Solution de paiement pratique et numérique
• Pas de frais de location impliqués et une solution compétitive
• Les marchands seront enregistrés sur Alipay Discovery Channel pour promouvoir leurs magasins et produits pour les utilisateurs Alipay
Si vous souhaitez saisir cette opportunité, envoyez-nous un courriel à pos@sbmgroup.mu pour les services inStore (face à face) et à ecommerce@sbmgroup.mu pour les services en ligne (eCommerce).
How does Dynamic QR code model work?
- Login to the Alipay Cashier app and charge transaction amount.
- Scan the dynamic QR codes of the Alipay users.
- Receive an instant transaction confirmation message on the Alipay Cashier app.
What do I need to start using Alipay Dynamic QR model?
- You need a smart phone, Android as from 4.3 or IOS as from 8.0.
- Mobile Internet data package or Wi-Fi.
Will I be able to give a receipt to my customer?
- No, because the Alipay user will be notified directly on his/her Alipay app.
Will I have to bear the cost of sending the e-receipt via SMS?
- No, because Alipay payment does not send any SMS to the user.
- The user will be notified directly through his/ her app.
How long does the whole sign-up process take?
Once you have signed up you application form, it may take a maximum of 4 working days.
What if my application is rejected by SBM?
- If your application is rejected by SBM, you may contact SBM directly for further details or appeal.
Are there any upfront costs I need to pay? How much does Alipay cost?
- No, there are no upfront costs or setup costs for Alipay. The Alipay service is based on Merchant Service Commission (MSC) per transaction only.
Do I need to download any mobile app for the Dynamic QR code model?
- Yes, the Alipay cashier mobile app is available on Playstore for Androids and App Store for IOS.
Do I require any Wi-Fi connection?
- Yes, you require Wi-Fi connection to process a payment.
- If no Wi-Fi connection, Mobile Internet Data can be used.
What is the transaction fee (MSC) that I have to pay?
- The transaction fee will be as determined in your Alipay merchant agreement.
Can I apply for a lower MSC?
Appeals for lower MSC can be made directly to SBM, once you are already an approved merchant. SBM will consider the appeal based on actual transaction volume.
How will my Alipay proceeds be deposited?
For all settled transactions, your proceeds will be deposited into your Bank’s account the next business day for a SBM account and at least 2 working days for a Non-SBM account.
Where can I view settlement records?
- SBM will send a daily report for reconciliation purpose.
- You can access to the Alipay merchant portal to download reports.
How does Static QR code model work?
- Alipay user keys in the transaction amount and takes the photo of the merchant’s static QR code.
- The QR code is sent to Ali Pay via the secured Alipay app for transaction processing.
- Merchant receives an SMS on his/ her mobile phone for transaction confirmation.
- Alipay transaction is completed after the SMS notification
What do I need to start using Alipay Static QR model?
- You will be provided Acrylic with your unique QR code.
- A mobile phone and its SIM card. It can be a smartphone as well.
Will I be able to give a receipt to my customer?
- No, because the Alipay user will be notified directly on his/her Alipay app.
Will I have to bear the cost of sending the e-receipt via SMS?
- No, because Alipay payment does not send any SMS to the user.
- The user will be notified directly through his/ her app.
How long does the whole sign-up process take?
- Once you have signed up you application form, it may take a maximum of 4 working days.
What if my application is rejected by SBM?
- If your application is rejected by SBM, you may contact SBM directly for further details or appeal.
Are there any upfront costs I need to pay? How much does Alipay cost?
- No, there are no upfront costs or setup costs for Alipay. The Alipay service is based on Merchant Service Commission (MSC) per transaction only.
Do I need to download any mobile app for the static QR model?
- No mobile app download is required under this model.
Do I require any Wi-Fi connection?
- No, as a merchant you do not require any Wi-Fi connection.
What is the transaction fee (MSC) that I have to pay?
• The transaction fee will be as determined in your Alipay merchant agreement.
Can I apply for a lower MSC?
- Appeals for lower MSC can be made directly to SBM, once you are already an approved merchant. SBM will consider the appeal based on actual transaction volume.
How will my Alipay proceeds be deposited?
- For all settled transactions, your proceeds will be deposited into your Bank’s account the next business day for a SBM account and at least 2 working days for a Non-SBM account.
Where can I view settlement records?
- SBM will send a daily report for reconciliation purpose.