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The benefit for the buyers

But why would a buyer want to start a payment? There is main reason: so that buyers can take advantage of the administrative and financial benefits associated with using your corporate or personal card for commercial purposes.

1. Improve working capital

Using the BIP, buyers can access the benefit of the deferred payment cycle of a credit card, with extended cash for up to 58 days. If all of your expenses were deferred this way, that means you can use that 58 days of extra cash for flexibility when maybe a customer is slow in paying you. We talk about the benefits of this cash flow in this post.

2. Simplify payment processes

No more managing payments over writing  paper cheques, keeping track of which invoices have been paid or not, finding mailing addresses and sending international telegraphic transfers. You can now pay expense with a card on a laptop, tablet or phone, even internationally.

3. Earn rewards and rebates

When you spend on the card for expenses, take advantage of the travel miles and reward schemes that come with you card. For example, a paying HKD 20,000 in rent on a Standard Chartered AsiaMiles Mastercard will get you 5,000 AsiaMiles that you can use for your next trip to Bali.

What’s in it for suppliers?

With BIP, the transaction process for the seller is reduced to two simple functions — (1) sending the invoice and (2) receiving the payment. It can’t get any easier than that.

1. Straight through processing for simple collection

With BIP, the seller does … well … nothing, except for having a bank account to collect the payment.. Aside from sending a bill (invoice) to the buyer, which usually occurs regardless of the payment medium.

2. Detailed data on inward payments

Automated and detailed remittance data speeds up reconciliation process, all information that can be found on a bank statement. Suppliers no longer need to call you, the buyer, to find out if you’ve mailed a cheque anymore, or if you wrote the invoice number in the memo field.

3. Reach more customers with flexible payment methods

By providing the option of credit card payments to buyers, suppliers are able to broaden their reach, especially as it relates to international customers. Buyers who are strapped for cash or who do not have access to a bank account can take advantage of the global credit card network and get access to different suppliers.

Where has BIP been?

Given that there are benefits for both buyers and sellers, why haven’t we seen more of this model? Well actually this model has actually been around for some time. In North America, as well as Europe, the ability to pay directly with BIP is well established and enables growth for many small businesses to improve their payment process and access cash flow. Established and trusted platforms such as Plastiq and Billhop have been serving businesses for many years.

And now Reap wants to provide the same ability to pay for SMEs here in Hong Kong and Singapore. Our platform is available now, so there’s no better time to sign up for free and try it out to see how it can change your business

Reap isn’t just a better way to pay, it’s a better engine for driving profits from better cash management, reducing expenses and errors associated with paper payment processing, simplifying reconciliation and improving efficiency.


Reap允許你以信用卡支付任何賬項,將資金安全地由信用卡直接發送到收款人的銀行賬戶,而收款人在無需開立商戶編號、購置處理器、開通網上支付流程或於銷售點設置終端機的情況下,即可收款。

在過去幾個月,我們收到很多關於網上支付的查詢,今天我們就特地講解一下這個系統背後的操作模式。這個支付流程被稱為 “買家主導的付款模式”或 “推送付款模式”。想理解它與傳統信用卡付費有何差異,首先要了解這個流程是如何運作的。

買家主導的付款模式: 延長付款期限,讓你更靈活地運用營運資金

使用傳統信用卡付款時,收款人(即你的供應商、員工或業主) 必須具備一些技術配套,方能提取和處理買家(卡主)提供的信用卡資料,從而結合其他的交易細節,如銷售金額及相應的賣家資料。接著,賣方會將交易資料輸入他們的信用卡確認系統,可以是零售點的終端機或者是連接信用卡網絡(如Visa、萬事達、美國運動) 以開通網上支付程序。如果操作順利的話,賣家最終會收到應得的銷售金額(扣除手續費後),而買方的信用卡亦會被扣取該筆款項。

但是,在使用買家主導的付款模式(BIP)時,流程顧名思義就變成由買家來做主導了。買家會設定付款指示,而收款人(賣家)無需做額外的工夫就可以收取款項。意思是買家以信用卡將需要的資金發送到任何特定地點,通常是銀行賬戶作特定的付款用途。因此,使用信用卡確認系統的不再是賣家而是買家。BIP適合用來支付所有不同類型的賬單,即使供應商不接收信用卡,你亦可以使用信用卡來付費。



對買家的好處:

但為什麼買家會想主動要求付款呢?最主要的原因是:買家可以利用他的公司卡或私人信用卡作商業用途,從而節省行政時間和賺取優惠。

1. 改善營運資金

使用BIP,買家可以享有信用卡延期付款的優勢,每一個周期最多可延遲還款達58天。如果你將所有費用都以這種方式延遲繳付,手頭上的現金就變相可以多留58天備用,即使你的客戶找數速度慢,額外的備用現金都能供你靈活使用。我們較早前在這篇文章中就討論過改善現金流的好處了。

2. 簡化付款程序

從今以後,不用再開實體支票來管理賬項、不用再追蹤每一張發票的支付狀況亦不用再查找郵寄地址和發送海外電匯。你現在可以透過手提電腦、平板電腦或手機,以信用卡支付各種費用,不但是本地費用,海外費用亦絕對可以。

3. 賺取獎賞和回贈

當你以信用卡付費時,其實原理跟使用信用卡消費相近,你同樣可以賺取飛行里數和參與信用卡的消費獎勵計劃。例如: 透過渣打亞洲萬里通萬事達卡於網上支付20,000港元的租金,就可以賺取5,000分亞洲萬里通飛行里數,下一次去峇里島旅行時就可以運用它兌換機票了。

對供應商又有何影響呢?

使用BIP,整個交易過程都得以簡化,賣家只需做兩件事 - (1)開發票(2)收款,簡單不過!


1. 過程直接 收款簡易

使用BIP,賣家就…其實…沒有東西要跟進,只需要有一個作收款用的銀行戶口即可。當然賣家需要開立發票並發送給買方,但不管使用那一種付款渠道,這一個步驟通常在確認交易時就已經發生了。


2.  匯款資料齊全

在銀行的月結單上你可以找到所有匯款的資料,而且整個匯款過程是自動化操作,大大節省了對賬的時間。從今天起,供應商不用再致電詢問你支票寄出了沒有,或者你有沒有在備忘錄上填上發票號碼等瑣碎事宜。


3. 靈活的支付模式  助你開拓客源

透過提供多一個選項,讓買家可以以信用卡作為付款模式,供應商就能夠接觸到更多不同層面的買家,特別是海外的客戶去進一步擴大業務範圍。當遇到手頭現金緊絀的買家或無法使用銀行賬戶去進行交易的買家,作為供應商你大可以利用環球信用卡網絡的優勢與他們連繫,繼續發展業務。


BIP的發展夠成熟嗎?

既然對買家和賣家都各有好處,為什麼我們比較少接觸到這種付款模式呢?實際上這種付款模型已經存在了一段時間。在北美和歐洲,BIP付款模式相對成熟,不少小企業在使用BIP後不但可以簡化支付流程,還可以改善現金流令企業持續增長。PlastiqBillhop等都是在業界發展成熟且值得信賴的平台,多年來一直為企業提供BIP支付服務。

現在Reap希望為香港和新加坡的中小企提供BIP的服務。我們的平台已經準備就緒,不要錯過免費註冊的大好良機,親身試用了解一下BIP如何為你的業務帶來更多商機。

Reap不僅僅為你提供更好的支付方式,Reap更加是推動你業務發展的伙伴,讓你更有效地管理現金、節省不必要的開支、減少傳統支付模式中常常出現的人為錯誤、簡化對賬流程,從而提升效率

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