????但PayPal Here僅僅是該公司正在成形的一項雄心勃勃的戰略的一部分而已。過去2個月中，貝寶公司向近2千家家得寶連鎖店（Home Depot）推廣了其支付技術，以替代信用卡。該公司與POS終端制造商安智公司（Ingenico）和AJB軟件設計公司（AJB Software Designs）聯手研發了一種店內支付系統，它可以迅速地推廣到其他大型連鎖店。

????現在就說PayPal Here將不再只是把錢包忘在家中的人用來完成支付的一種方式還為時尚早。貝寶公司預計將在2012年處理的70億美元在線支付款項并不包括此類在銷售現場完成的交易。貝寶向商家收取2.7%的交易費（與Square公司的2.75%大致相當），倘若它的收費比信用卡交易費更便宜，商家們或許會有更大的動力來采用PayPal在線支付服務。

????雖然智能手機是實現在線支付的重要途徑，但貝寶的野心遠不止于此。除了無所不在的實體收銀機終端以外，貝寶還在提供一種可以在個人電腦上完成支付的方案。此外，易趣也勢必會進行深度整合，把貝寶糅合到該公司于去年秋天推出、面向線上和線下零售商的商務平臺X.Commerce之中。

????貝寶的戰略正逐漸變得清晰可見。很顯然，該公司的思路非常開闊。它計劃將服務推向盡可能多的商業場所，同時設計出一款對商家和消費者都具有吸引力的界面。貝寶公司傳訊主管阿努吉?納亞爾稱，從本月開始，該公司將推出更多的變化，“開始從根本上改變消費者對貝寶的認識。”

????到目前為止，這項服務對許多貝寶用戶而言僅僅是多種在線支付方式中的一種而已，而大多數在線支付方式都經常被視為信用卡的替代品。經過了數年的悉心規劃之后，貝寶或許終于開始悄悄地潛入我們的錢包，如昔日的現鈔一樣，成為我們日常生活須臾不可離身的尋常之物。今年接下來的時間里，我們應該可以看到貝寶是否能夠兌現它的這份承諾。

????譯者：任文科

????But PayPal Here is just one part of what the company is planning in what is shaping up to be an ambitious strategy. Over the past two months, PayPal has rolled out its payment technology to nearly 2,000 Home Depot stores as an alternative to credit cards. It's partnered with Ingenico and AJB Software Designs to create an in-store payment system that can be quickly rolled out to other large chains.

????It's too early to tell if PayPal Here will become more than a payment method for people who left their wallets at home. The company's $7 billion estimate for 2012 mobile payments doesn't include such point-of-sale transactions. PayPal charges merchants a 2.7% transaction fee, which is roughly equal to Square's 2.75% and may offer merchants an incentive to push for PayPal if it's cheaper than credit card transactions.

????But as important as smartphones may become in handling payments, PayPal is aiming well beyond them, offering a method of payment on PCs as well as the ubiquitous point-of-service terminals at brick-and-mortar cash registers. Ebay is also sure to integrate PayPal deeply into its X.Commerce initiative, a commerce platform announced last fall for online as well as offline retailers.

????As PayPal's strategy comes slowly into focus, it's clear the company is thinking broadly – positioning its service in as many commercial venues as possible – and designing an interface that appeals to merchants and consumers alike. Anuj Nayar, PayPal's director of communications, says the company will roll out even more changes starting this month that "marks the beginning of fundamental change in what PayPal means to customers."

????Until now, for many PayPal customers, the service has simply been one of multiple ways to pay online, most often seen as an alternative to credit cards. After years of planning, the company may finally be worming its way into our wallets, becoming as commonplace as cash once was. The rest of this year should show whether PayPal can deliver on that promise.