{"id":3124,"date":"2010-09-23T13:38:09","date_gmt":"2010-09-23T11:38:09","guid":{"rendered":"http:\/\/visionary.wordpress.com\/?p=3124"},"modified":"2022-07-05T08:32:41","modified_gmt":"2022-07-05T06:32:41","slug":"moyens-paiement-monde","status":"publish","type":"post","link":"https:\/\/visionarymarketing.com\/fr\/2010\/09\/23\/moyens-paiement-monde\/","title":{"rendered":"Les diff\u00e9rents moyens de paiement en ligne dans le monde"},"content":{"rendered":"<p><a href=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/dollar-reflexion.jpg\"><img decoding=\"async\" class=\"alignright wp-image-3125 size-medium\" style=\"margin-left: 10px; margin-right: 10px;\" title=\"dollar-reflexion\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/dollar-reflexion-167x300.jpg\" alt=\"Les diff\u00e9rents moyens de paiement en ligne dans le monde\" width=\"167\" height=\"300\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/dollar-reflexion-167x300.jpg 167w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/dollar-reflexion.jpg 188w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/><\/a><em>Le domaine des <strong>moyens de paiement en ligne dans le monde<\/strong> est bien plus complexe que ce que l&rsquo;on pourrait croire. Apr\u00e8s un an d\u2019absence, me voici \u00e0 nouveau \u00e0 e-commerce 2010 pour ce 3\u00e8me jour de la manifestation, au parc des expositions de la porte de Versailles \u00e0 Paris (et apr\u00e8s un trek de plusieurs km qui nous a emmen\u00e9 au del\u00e0 du p\u00e9riph\u00e9rique). Cette matin\u00e9e est d\u00e9di\u00e9e aux paiements en ligne, un sujet que nous traitons souvent et sur lequel je fais r\u00e9guli\u00e8rement des mises \u00e0 jour.\u00a0 Salle un peu vide aujourd\u2019hui h\u00e9las, gr\u00e8ve oblige \u2026<\/em><\/p>\n<h2>Les diff\u00e9rents moyens de paiements en ligne dans le monde<\/h2>\n<p>Voici le compte-rendu de cette 3\u00e8me matin\u00e9e qui comprend :<\/p>\n<ol>\n<li>une pr\u00e9sentation de la soci\u00e9t\u00e9 <em>moneybookers (ce billet)<\/em>, fournisseurs d\u2019une solution s\u00e9curis\u00e9e de paiements en ligne ;<\/li>\n<li><a href=\"https:\/\/visionarymarketing.com\/fr\/2010\/09\/securisation-paiements-en-ligne\/\">une pr\u00e9sentation de <em>Cardsoff, <\/em>solution de social commerce et e-payment<\/a> ;<\/li>\n<li><a href=\"https:\/\/visionarymarketing.com\/fr\/2010\/09\/verisign\/\">un \u00e9tat de la fraude sur Internet avec Verisign<\/a> ;<\/li>\n<li><a href=\"https:\/\/visionarymarketing.com\/fr\/2010\/09\/paybox\/\">une pr\u00e9sentation sur la strat\u00e9gie de distribution avec <em>paybox<\/em><\/a> et l\u2019excellent Fr\u00e9d\u00e9ric Loos, qui anime le groupe d\u00e9di\u00e9 aux paiements en ligne sur Viadeo.<\/li>\n<\/ol>\n<p><!--more--><\/p>\n<p>Dans ce post, la 1\u00e8re pr\u00e9sentation de <em>Moneybookers<\/em>, un excellent panorama des diff\u00e9rents moyens de paiement pays par pays, et donc une mise \u00e0 jour de mon <span class=\"removed_link\" title=\"http:\/\/mbaebusiness.ning.com\">mba ebusiness ESG<\/span> sur ce point avec les derniers chiffres qui montrent de ce fait une totale stabilit\u00e9 du paysage. Chaque pays a ses solutions, ses particularit\u00e9s et ses pr\u00e9f\u00e9rences nationales et la n\u00e9cessit\u00e9 de s\u2019adapter \u00e0 chaque cas particulier est donc imp\u00e9rieuse, comme par le pass\u00e9, si l\u2019on d\u00e9sire se d\u00e9velopper \u00e0 l\u2019international.<\/p>\n<p>Et comme d\u2019habitude, c\u2019est une soci\u00e9t\u00e9 britannique qui r\u00e9alise l\u2019int\u00e9gration europ\u00e9enne ! un comble, m\u00eame si la possession d\u2019une monnaie \u00e0 part permet de comprendre la sensibilisation \u00e0 la diff\u00e9rence.<\/p>\n<figure id=\"attachment_55759\" aria-describedby=\"caption-attachment-55759\" style=\"width: 1000px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/imag0082-jpg-scaled-1000.jpg\"><img decoding=\"async\" class=\"wp-image-55759 size-full\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/imag0082-jpg-scaled-1000.jpg\" alt=\"moyens de paiement dans le monde\" width=\"1000\" height=\"750\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/imag0082-jpg-scaled-1000.jpg 1000w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/imag0082-jpg-scaled-1000-400x300.jpg 400w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2010\/09\/imag0082-jpg-scaled-1000-768x576.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/a><figcaption id=\"caption-attachment-55759\" class=\"wp-caption-text\">Moneybookers: \u00a0les moyens de paiement dans le monde par Maria Clara Perez (en charge des partenariats, Fr\/UK\/Sp) <strong> <a href=\"https:\/\/web.archive.org\/web\/20130909221638\/https:\/\/www.moneybookers.com\/app\/\" target=\"_blank\" rel=\"noopener noreferrer\">moneybookers.com<\/a><\/strong><\/figcaption><\/figure>\n<h2>Comment g\u00e9rer les diff\u00e9rents moyens de paiements s\u00e9curis\u00e9s \u00e0 l&rsquo;international ?<\/h2>\n<ul>\n<li>Le march\u00e9 fran\u00e7ais est un des 5 plus importants en Europe, mais si vous voulez vous d\u00e9velopper en ligne, il faut se tourner vers l\u2019international<\/li>\n<li>quels sont les facteurs cl\u00e9?\n<ul>\n<li>\u00eatre conscient des sp\u00e9cificit\u00e9s locales des moyens de paiement<\/li>\n<li>avoir une approche locale en mati\u00e8re de risques<\/li>\n<li>=&gt; chercher des alli\u00e9s qui aient l\u2019expertise int\u2019l<\/li>\n<\/ul>\n<\/li>\n<li>1. Moneybookers\n<ul>\n<li>entreprise UK fond\u00e9e en 2001, contr\u00f4l\u00e9e par la FSA (UK)<\/li>\n<li>supporte plus de 100 moyens de paiements dans 200 payas<\/li>\n<li>plus de 60.000 marchands utilisent cette solution<\/li>\n<\/ul>\n<\/li>\n<li>2. \u00e9tat des lieux, France par rapport \u00e0 l\u2019Europe\n<ul>\n<li>~8M\u20ac sur 170M\u20ac en Europe, +30%, bonne progression<\/li>\n<li>FEVAD: la France est parmi les plus m\u00fbres mais il y a encore du potentiel chez ses voisins. La France est dans la moyenne, mais il serait dommage de ne pas aller \u00e0 l\u2019international vu cette maturit\u00e9<\/li>\n<li>78% des internautes fran\u00e7ais, donc parmi les plus importants en Europe<\/li>\n<li>La France est proche de la moyenne Europ\u00e9enne<\/li>\n<\/ul>\n<\/li>\n<li>3. Comment se pr\u00e9parer \u00e0 l\u2019International?\n<ul>\n<li>conna\u00eetre les sp\u00e9cificit\u00e9s locales\n<ul>\n<li>US\/UK : surtout des cartes de cr\u00e9dit (Visa, Mastercard etc.)<\/li>\n<li>mais les march\u00e9s n\u2019utilisent pas les m\u00eames options de paiement<\/li>\n<li>France : + de 50% par CB, mais en Allemagne, \u00e7a ne suffit pas (ce qui pr\u00e9domine c\u2019est le d\u00e9bit direct)<\/li>\n<li>Idem en Espagne (4B, Euro 6000), Ideal en Scandinavie etc.<\/li>\n<\/ul>\n<\/li>\n<li>avoir l\u2019expertise, donc comment aller \u00e0 l\u2019int\u2019l en trouvant un partenaire qui ait cette expertise ?\n<ul>\n<li>http:\/\/<a href=\"https:\/\/web.archive.org\/web\/20130615160829\/http:\/\/www.moneybookers.com\/ads\/payments-options\/\">www.moneybookers.com\/ads\/payments-options<\/a> donne les principales options de paiement en Europe<\/li>\n<li>les march\u00e9s aiment bien leurs propres options nationales de paiement<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>4. Comment se pr\u00e9munir du risque ?\n<ul>\n<li>en France, il y a peu de complexit\u00e9 dans les v\u00e9rifications (toutes les IP sont fran\u00e7aises etc.)<\/li>\n<li><strong>KYC<\/strong>: know your customer : savoir o\u00f9 il se trouve, quelles sont les options de paiement qu\u2019il utilise etc.<\/li>\n<li>conna\u00eetre la tra\u00e7abilit\u00e9 des paiements : 200 v\u00e9rifications pour chaque paiement chez <em>Moneybookers<\/em>: ex: si un site Allemand re\u00e7oit un paiement d\u2019un client fran\u00e7ais. on v\u00e9rifiera que sa CB n\u2019est pas une CB candienne par exemple. si c\u2019est le cas, on v\u00e9rifie les infos avant de valider la transation<\/li>\n<li>protection contre les <em>chargebacks<\/em><\/li>\n<li>conformit\u00e9 \u00e0 PCI-DSS et autres standards internationaux : les marchands qui re\u00e7oivent des paiements par Visa et Mastercard doivent \u00eatre certifi\u00e9s PCI-DSS. Ceux qui ne le sont pas auront des probl\u00e8mes juridiques. Passer par un prestataire comme <em>Moneybookers <\/em>permet de se dispenser de cette formalit\u00e9<\/li>\n<li>(circuit de validation Moneybookers)<\/li>\n<li><\/li>\n<li>Q&amp;R sur les moyens de paiement dans les diff\u00e9rents pays du monde :<\/li>\n<li>\n<ul>\n<li>Q: FIANET : on ne peut pas refuser un paiement en fonction uniquement d\u2019un scoring en France, c\u2019est un refus de vente et c\u2019est ill\u00e9gal<\/li>\n<li>R: Si le scoring est n\u00e9gatif mais que toutes les v\u00e9rifications sont OK, le paiement sera accept\u00e9<\/li>\n<li>Q: v\u00e9rifications offline ?<\/li>\n<li>R: oui mais les principales sont faites en ligne<\/li>\n<li>Q: enregistrement obligatoire ?<\/li>\n<li>R: il y a 2 genres de paiement offerts par Moneybookers: 1. le paiement direct sans enregistrement 2. le porte-monnaie \u00e9lectronique avec enregistrement<\/li>\n<li>Q: 3D Secure<\/li>\n<li>R: Moneybookers est tr\u00e8s supporter de 3D Secure, malgr\u00e9 les critiques contre 3D Secure et le temps de transformation. Si le client s\u2019est d\u00e9j\u00e0 enregistr\u00e9 directement via sa banque on va lui demander. Sinon, on ne lui impose pas. C\u2019est une initiative de la Banque.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u00e0 suivre dans la 2\u00e8me partie \u2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le domaine des moyens de paiement en ligne dans le monde est bien plus complexe que ce que l&rsquo;on pourrait croire. Apr\u00e8s un an d\u2019absence, me voici \u00e0 nouveau \u00e0 e-commerce 2010 pour ce 3\u00e8me jour de la manifestation, au parc des expositions de la porte de Versailles \u00e0 Paris (et apr\u00e8s un trek de &hellip;<\/p>\n","protected":false},"author":2,"featured_media":3125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[121],"tags":[],"class_list":["post-3124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les diff\u00e9rents moyens de paiement en ligne dans le monde<\/title>\n<meta name=\"description\" content=\"Le monde des moyens de paiement en ligne dans le monde est bien plus complexe que ce que l&#039;on pourrait croire.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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