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Making payments in China

How to set up payment acct to accept Yuan, RMB

         

Sunlight

11:11 pm on Feb 7, 2006 (gmt 0)

10+ Year Member



I am setting up a website in China, written in Chinese characters, although it's hosted in USA. I want to know how I can accept credit cards and Paypal in Chinese currency, as my target group is Chinese. Any help on this would be much appreciated

Thanking you in advance

Sunlight

LifeinAsia

12:57 am on Feb 8, 2006 (gmt 0)

WebmasterWorld Administrator 10+ Year Member Top Contributors Of The Month



PayPal has a special Chinese version for use within China that you should investigate. You need to sign up for more information, whcih I haven't done, so I can't give you any more information.

For accepting credit cards, you should be able to use most payment gateways/merchant accounts, although the name/address will have to be in Roman characters for the vast majority of them (all?). You can code the interface to the payment gateway in Chinese easily enough.

Sunlight

11:24 pm on Feb 8, 2006 (gmt 0)

10+ Year Member



Thank you Life in Asia,

You're going to roll your eyes when I ask you this question. Please direct me to another forum if you don't want to answer. I am a total novice to all of this, I haven't launched my website yet, and just started researching in this arena. I didn't know what HTML was last week. My question please. What is the code you said I could write for credit card details in Chinese charcters, and where can I find out how to learn how to write it.

Thanking you in advance for your kindness
Sunlight

jwolthuis

1:16 pm on Feb 9, 2006 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



I read somewhere (and cannot re-locate the source) that credit cards and PayPal are not popular methods of payment in this region of the world.

Is the normal method of Internet payment similar to US/UK? Does an average Chinese Internet shopper carry a Visa card? Do they expect to pay in advance for their goods, or do they use an escrow system?

LifeinAsia

5:10 pm on Feb 9, 2006 (gmt 0)

WebmasterWorld Administrator 10+ Year Member Top Contributors Of The Month



Sunlight,

No, not rolling my eyes- all of us started at the same point you're at, even if it was many years ago. :)

However, I would strongly recommend that you either learn to crawl (basic HTML & web programming) before you try to run (e-commerce). Or that you outsource all the technical details to someone else while you focus on the business side.

On a basic level, you will need to use HTML (or web programming) to make an online form where the customers enter their names, addresses, creit card information, etc.

Then you will have to have another page that takes the customer's input and processes it. For this part, you will need to do some sort of programming to process the information, check for errors, same the information to a database, and/or pass the information to your payment gateway. If you're dealing with credit card information, you also have to worry about encrypting the data, using SSL, and other privacy issues.

Actually, using PayPal will make it easier, as most of the technical details can be handled on their side. In fact, you should be able to use them for all of the processing side (although you probably still need some processing on your end to keep track of orders).

Also, I forgot to mention, but jwolthuis brought it up, that credit cards are still not very common in China. Certainly not to the level they are in most other countries represented by WW users. I don't know about PayPal's popularity in China.

You mention that the web site is hosted in the U.S., but where are you located? If you are outside of China and need to move the funds from China to your country, that is another can of worms.

Also, I don't remember which forum it was, but there were some good discussions regarding hosting in China vs. hosting outside of China. It seems that if your target audience is just China, it may make more sense to host in China instead of the U.S.

derekwong28

5:45 pm on Feb 9, 2006 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



As far as I know, only a very small percentage of Chinese have credit cards. But they have debit cards available for Internet purchases but these are not VISA or Master. As I understand, they are not allowed to send and receive RMB to a normal paypal account, they can only do this with a PayPal.CN account. Therefore you would need to open a PayPal.cn account but you have to be a Chinese resident.

The issue of integration and website design is too complicated. You would probably need to be conversant with simplified Chinese. I would suggest that you seek advice from webdesign companies based in China or Hong Kong.

Sunlight

12:15 am on Feb 10, 2006 (gmt 0)

10+ Year Member



Thank you LifeinAsia, Jwolthuis, and Derekwong!

Your advice is really helping me. Although I purchased 4 domain names in the last month, I will not create or launch my website until I know my way around. I am living in Beijing China now, although I am from Colorado. I was unsure about using my credit card to buy hosting in China, as the potential for fraud seems higher here, ( I might be wrong) and I don't know what hosting company is is good or bad, but I read on another post that Baidu gives peference to websites hosted in China, and I have no idea if that will affect me or not. Since I'm new to all of this my learning curve is ballistic, but exciting. I have many Chinese friends who will help me with my translation after I use Altavista babelfish for the rough drafts ( thanks to Leguna )for telling me about it. This PayPal issue is a hard one, so I'll ask my Chinese friends how they shop on the net as well. I want my site to have that little flag on it that someone can click and it changes the words from Chinese to English and visa versa.
Again thank you so very much!

Aloha,

Sunlight