如果你在世界各大主要城市的市中心逛逛，你會(huì)發(fā)現(xiàn)很多相同的品牌商超。雖然零售商們變得更全球化了，但各國人民的支付方式卻有很大的不同。支付服務(wù)提供商Adyen的一名高管卡姆蘭·扎基認(rèn)為，造成這種現(xiàn)象的原因既有監(jiān)管因素，也有舊支付體系的慣性因素，但同時(shí)也與一個(gè)國家的文化有關(guān)。簡言之，人們最喜歡從小到大用慣了的支付方式，即便當(dāng)前已經(jīng)有了新的技術(shù)。與此同時(shí)，各國的在線支付方式也是多種多樣的。下面我們就來介紹各國消費(fèi)者在線支付的三種方式。

巴西

巴西是南美洲最大的市場。在巴西，有千百萬人使用著一種叫做Boleto的線下支付方式。消費(fèi)者在網(wǎng)上下單后，要拿著打印出來的條形碼，跑到當(dāng)?shù)氐纳痰昊虿势闭救ミM(jìn)行現(xiàn)金支付。條形碼被掃描后，商家確認(rèn)了收款，就會(huì)開始發(fā)貨，或者讓消費(fèi)者到商店里去取貨。Adyen公司介紹道，Boleto占巴西在線支付市場的份額達(dá)到了80%。它在巴西之所以很受歡迎，也是由于35%的巴西人沒有銀行賬戶。

荷蘭

許多北歐人不喜歡使用信用卡，這既是由于北歐人在文化上對債務(wù)的厭惡，同時(shí)也是由于監(jiān)管機(jī)構(gòu)不允許信用卡發(fā)行商出臺像北美地區(qū)那樣夸張的消費(fèi)刺激手段來鼓勵(lì)人們進(jìn)行信用卡消費(fèi)。因此，借記卡在北歐特別受歡迎。在荷蘭，大多數(shù)在線交易都是通過一個(gè)名為iDEAL的系統(tǒng)進(jìn)行的，該系統(tǒng)會(huì)將購物者從商家頁面引導(dǎo)到一個(gè)在線銀行網(wǎng)站，用戶輸入ID和密碼后，可以返回至商家頁面完成交易。

中國

如果中國消費(fèi)者想買什么東西，他們基本上都會(huì)通過手機(jī)支付。中國的在線支付市場基本被支付寶和微信錢包/財(cái)付通所壟斷，就連歐美國家的一些豪華商場也意識到了這一點(diǎn)，紛紛亮出了二維碼，確保中國游客能使用這些平臺進(jìn)行支付。（財(cái)富中文網(wǎng)）

本文原載于2019年3月刊的《財(cái)富》雜志。

譯者：樸成奎

If you stroll the downtown of the world’s major cities, you’ll see many of the same stores. Yet even as retailers become more global, the way people pay for things still varies dramatically from country to country. According to Kamran Zaki, an executive at payment provider Adyen, this is partly owing to regulation and legacy systems but is also tied to culture: In short, we like to use the payment method we grew up with, even if a newer technology is available. But online payments are just as varied. Here are three ways that online consumers around the world pay for goods.

Brazil

In South America’s biggest market, millions of people make online purchases with Boleto, an off-line installment method. This involves printing a bar code and trotting down to a local store or lottery stand to make a cash payment. The bar code is scanned, and once the item is paid off, the merchant ships it or lets the customers pick it up in a store. Adyen says Boleto accounts for up to 80% of online payments. It’s popular in part because 35% of Brazilians lack a bank account.

The Netherlands

Many Northern Europeans shun credit cards. This is partly the result of a cultural aversion to debt but also because regulations make it impractical for credit card issuers to offer the lavish spending rewards found in North America. So debit cards are especially popular. In the Netherlands, the majority of online transactions are carried out with a system called iDEAL that directs shoppers away from a merchant’s page to an online banking site. After entering an ID and a password, shoppers return to the merchant to complete the transaction.

China

When Chinese consumers want to buy something, it’s very likely the transaction will involve their mobile phone. Digital wallet services like Alipay and WeChat/?Tenpay dominate the spending landscape, so much so that luxury retailers in the U.S. and Europe make a point of ensuring the payment platforms are available for Chinese tourists.

This article originally appeared in the March 2019 issue of Fortune.