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瑞典移动支付创企iZettle进军电商界

国际资讯基于互联网平台的金融业务

瑞典移动支付创企iZettle进军电商界

iZettle是一家来自瑞典的支付创企,主要服务中小企业用户,被誉为欧洲的Square,公司估值已经达到近9.5亿美元。

近日,该公司宣布将推出一个全新的电子商务平台。用户可以在这个平台上创建在线商店,接受付款,还可以将其与自己的实体店铺库存关联起来。比如街角咖啡店的在线订购,或者小型珠宝商店的网络销售平台等等。

这项新服务将首先在瑞典和英国推出,并在未来几个月推广到欧洲和拉美地区。

对于这个创新,iZettle创始人兼首席执行官Jacob DeGeer表示,公司就是想借此机会为用户提供一套工具,帮助用户简化销售和运营。

据了解,该项服务的定价与iZettle的核心支付服务类似。比如在英国,iZettle会对每笔手机支付交易收取1.75%的手续费,而电子商务新平台的价格则是每月29英镑,外加每笔交易2.5%的手续费(具体价格可能会因市场差异而有所变化)。

移动支付平台进军电商界其实并不是iZettle首创。早在2016年,Square就曾推出过类似的在线服务组合产品。当然,Shopify和Stripe等公司也提供类似的服务。

但DeGeer认为,iZettle的服务更具差异化,效果也会更好,因为它继承了iZettle的产品特点,即专注服务小企业用户。比如个体经营者和小企业经常不接受银行卡支付,因为这样做的成本太高,而通过将普通智能手机和平板电脑变成销售点终端其实就能极大地解决这一问题。

就目前而言,iZettle还无法提供像Amazon一样的全程电商服务(从下订单到后期物流),但是iZettle会积极听取客户意见反馈,并逐步改进自己的电商服务。

iZettle, the startup out of Sweden that has been referred to as the Square of Europe, is today making a move that underscores its bigger strategy to build on its traction with small businesses in mobile payments, to expand into an ever-wider range of financial services to fill out its $950 million valuation.

The company is launching a new e-commerce platform, where customers can build online inventory and check-out experiences either to complement the physical sales they are already making with iZettle  itself, or as a standalone service as new customers to the company.

The service is rolling out in Sweden and the U.K. first, with plans to extend to the rest of iZettle’s footprint in Europe and Latin America over the coming months.

The idea is to provide a set of tools to build and run shops quickly and easily for the same kinds of small businesses and sole traders that already use iZettle, or “Shopify simplified,” as iZettle’s founder and CEO Jacob DeGeer describes it.

Pricing follows the same basic format as that of the company’s core mobile payments service. In the case of the U.K., for example, DeGeer says iZettle takes a 1.75 percent fee for each transaction on its mobile payments, and the e-commerce product will come in at £29 per month plus 2.5 percent on each transaction. (Rates might vary depending on the market in question.)

iZettle moving into e-commerce is not exactly a revolutionary idea. Square has been offering a Stripe-style online component to businesses since 2016, and, of course, companies like Shopify and Stripe and many others are also providing similar services.

DeGeer says that iZettle’s service is differentiated and better because it follows on from iZettle’s belief that there has not been enough attention given to building products specifically for the small business person. “It’s a segment that is traditionally underserved,” he said. The same had been for the case in card payments, where sole traders and small businesses were regularly not accepting cards simply because the cost of doing so was too high for them, a problem solved by turning ordinary smartphones and tablets into point of sale terminals with the help of a dongle.

The same ethos appears to be applying here: For those who are already iZettle customers and running sales through the company’s platform, DeGeer said that they can bring their sales online with one click, and then all sales across both offline and online will be viewable in a single database. And why would customers add the online component? It’s potentially a way to, for example, facilitate online ordering ahead for a cafe, or for a jewelry vendor from a market or small shop to develop a web-based store — offerings that in the past would have been too costly or complicated for small businesses to create and integrate.

For now, iZettle isn’t providing much in the way of fulfillment to its customers — one of the more compelling aspects of having a company like Amazon run and fulfill your online shops and subsequent distribution of goods — but DeGeer said that it “would listen” to what customers request, and potentially consider this down the line.

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