{"id":27181,"date":"2023-12-07T03:42:26","date_gmt":"2023-12-07T03:42:26","guid":{"rendered":"https:\/\/masterskills.org\/blog\/cong-thanh-toan-payment-gateway-la-gi-dac-diem-va-vi-du.html"},"modified":"2023-12-22T14:39:06","modified_gmt":"2023-12-22T07:39:06","slug":"cong-thanh-toan-payment-gateway-la-gi-dac-diem-va-vi-du","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/cong-thanh-toan-payment-gateway-la-gi-dac-diem-va-vi-du.html","title":{"rendered":"C\u1ed5ng thanh to\u00e1n (Payment Gateway) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m v\u00e0 v\u00ed d\u1ee5"},"content":{"rendered":"
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(\u1ea2nh minh h\u1ecda: Fitech)<\/p>\n<\/figcaption><\/figure>\n

C\u1ed5ng thanh to\u00e1n\u00a0<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

C\u1ed5ng thanh to\u00e1n <\/b>trong ti\u1ebfng Anh l\u00e0 Payment Gateway.<\/b><\/p>\n

C\u1ed5ng thanh to\u00e1n<\/b> l\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng\u00a0th\u1ebb ghi n\u1ee3\u00a0ho\u1eb7c\u00a0th\u1ebb t\u00edn d\u1ee5ng\u00a0t\u1eeb kh\u00e1ch h\u00e0ng.<\/p>\n

Thu\u1eadt ng\u1eef n\u00e0y kh\u00f4ng ch\u1ec9 bao g\u1ed3m c\u00e1c thi\u1ebft b\u1ecb \u0111\u1ecdc th\u1ebb trong c\u00e1c c\u1eeda h\u00e0ng b\u00e1n l\u1ebb brick-and-mortar\u00a0m\u00e0 c\u00f2n bao g\u1ed3m c\u00e1c c\u1ed5ng x\u1eed l\u00ed thanh to\u00e1n t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng tr\u1ef1c tuy\u1ebfn.<\/p>\n

Tuy nhi\u00ean, c\u00e1c c\u1ed5ng thanh to\u00e1n tr\u1ef1c ti\u1ebfp trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111\u00e3 b\u1eaft \u0111\u1ea7u ch\u1ea5p nh\u1eadn thanh to\u00e1n tr\u00ean \u0111i\u1ec7n tho\u1ea1i b\u1eb1ng c\u00f4ng ngh\u1ec7 NFC (Near field commMasterskillstion – c\u00f4ng ngh\u1ec7 giao ti\u1ebfp tr\u01b0\u1eddng g\u1ea7n, s\u1eed d\u1ee5ng c\u1ea3m \u1ee9ng t\u1eeb tr\u01b0\u1eddng \u0111\u1ec3 th\u1ef1c hi\u1ec7n k\u1ebft n\u1ed1i gi\u1eefa c\u00e1c thi\u1ebft b\u1ecb khi c\u00f3 s\u1ef1 ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp hay \u0111\u1ec3 g\u1ea7n nhau).<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a C\u1ed5ng thanh to\u00e1n<\/font><\/h3>\n

C\u1ed5ng thanh to\u00e1n<\/b> l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a h\u1ec7 th\u1ed1ng x\u1eed l\u00ed thanh to\u00e1n \u0111i\u1ec7n t\u1eed, v\u00ec \u0111\u00e2y l\u00e0 c\u00f4ng ngh\u1ec7 front-end ch\u1ecbu tr\u00e1ch nhi\u1ec7m g\u1eedi th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng x\u1eed l\u00ed giao d\u1ecbch.<\/p>\n

C\u00e1c c\u00f4ng ngh\u1ec7 c\u1ed5ng thanh to\u00e1n lu\u00f4n ph\u00e1t tri\u1ec3n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng th\u1ecb hi\u1ebfu c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ph\u1ea3n \u00e1nh n\u0103ng l\u1ef1c k\u0129 thu\u1eadt m\u1edbi.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, m\u00e1y POS s\u1ebd ch\u1ea5p nh\u1eadn th\u1ebb t\u00edn d\u1ee5ng s\u1eed d\u1ee5ng c\u00e1c d\u1ea3i t\u1eeb, y\u00eau c\u1ea7u ch\u1eef k\u00ed gi\u1ea5y t\u1eeb kh\u00e1ch h\u00e0ng. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 chip, giai \u0111o\u1ea1n ch\u1eef k\u00ed b\u1ecb b\u1ecf \u0111i, thay v\u00e0o \u0111\u00f3 l\u00e0 m\u00e3 PIN \u0111\u01b0\u1ee3c nh\u1eadp tr\u1ef1c ti\u1ebfp v\u00e0o c\u1ed5ng thanh to\u00e1n.<\/p>\n

Ng\u00e0y nay, vi\u1ec7c mua h\u00e0ng kh\u00f4ng ti\u1ebfp x\u00fac ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn, v\u1edbi nhi\u1ec1u kh\u00e1ch h\u00e0ng hi\u1ec7n \u0111ang s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i c\u1ee7a h\u1ecd nh\u01b0 m\u1ed9t thi\u1ebft b\u1ecb thanh to\u00e1n thay v\u00ec d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng b\u1eb1ng nh\u1ef1a.<\/p>\n

T\u1ea5t nhi\u00ean, c\u1ea5u tr\u00fac c\u1ee7a m\u1ed9t c\u1ed5ng thanh to\u00e1n s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o \u0111\u00f3 l\u00e0 c\u1ed5ng thanh to\u00e1n tr\u1ef1c ti\u1ebfp trong c\u1eeda h\u00e0ng hay c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn.<\/p>\n

C\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn s\u1ebd y\u00eau c\u1ea7u giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API) cho ph\u00e9p trang web \u0111\u01b0\u1ee3c truy c\u1eadp \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi m\u1ea1ng x\u1eed l\u00ed thanh to\u00e1n c\u01a1 b\u1ea3n. C\u1ed5ng thanh to\u00e1n tr\u1ef1c ti\u1ebfp t\u1ea1i c\u1eeda h\u00e0ng s\u1ebd s\u1eed d\u1ee5ng thi\u1ebft b\u1ecb m\u00e1y\u00a0POS\u00a0k\u1ebft n\u1ed1i v\u1edbi m\u1ea1ng x\u1eed l\u00ed thanh to\u00e1n b\u1eb1ng \u0111i\u1ec7n t\u1eed b\u1eb1ng \u0111\u01b0\u1eddng d\u00e2y \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c k\u1ebft n\u1ed1i Internet.<\/p>\n

V\u00ed d\u1ee5 v\u1ec1 C\u1ed5ng thanh to\u00e1n<\/font><\/h3>\n

Ng\u01b0\u1eddi b\u00e1n c\u00f3 th\u1ec3 c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o h\u1ec7 th\u1ed1ng c\u1ed5ng thanh to\u00e1n<\/b> th\u00f4ng qua vi\u1ec7c k\u1ebft n\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng nh\u00e2n \u0111\u00e3 \u0111\u0103ng k\u00ed giao d\u1ecbch, n\u1ebfu kh\u00f4ng h\u1ecd c\u00f3 th\u1ec3 ch\u1ecdn h\u1ec7 th\u1ed1ng c\u1ed5ng thanh to\u00e1n c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n

\u1ede M\u1ef9, c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn nh\u01b0 Bank of America (BAC) v\u00e0 JPMorgan Chase (JPM) c\u00f3 h\u1ec7 th\u1ed1ng c\u1ed5ng thanh to\u00e1n, cung c\u1ea5p cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng thanh to\u00e1n m\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u0103ng k\u00ed.<\/p>\n

Cu\u1ed1i c\u00f9ng, ng\u01b0\u1eddi b\u00e1n c\u00f3 th\u1ec3 ch\u1ecdn nhi\u1ec1u c\u00f4ng ngh\u1ec7 c\u1ed5ng thanh to\u00e1n mi\u1ec5n l\u00e0 ch\u00fang t\u01b0\u01a1ng th\u00edch v\u1edbi ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 x\u1eed l\u00ed thanh to\u00e1n.<\/p>\n

M\u1ed9t v\u00ed d\u1ee5 ph\u1ed5 bi\u1ebfn \u1edf M\u1ef9 v\u1ec1 c\u1ed5ng thanh to\u00e1n l\u00e0 Square (SQ), Square nh\u1ea5n m\u1ea1nh s\u1ef1 linh ho\u1ea1t trong thanh to\u00e1n b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng cho c\u00e1c doanh nghi\u1ec7p b\u00e1n l\u1ebb. C\u00f4ng ngh\u1ec7 Reader Square Reader cho ph\u00e9p kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn thanh to\u00e1n t\u1ea1i c\u00e1c \u0111\u1ecba \u0111i\u1ec3m \u0111\u1eb7c bi\u1ec7t nh\u01b0 h\u1ed9i ngh\u1ecb ho\u1eb7c ch\u1ee3 n\u00f4ng d\u00e2n, ho\u1eb7c th\u00f4ng qua c\u00e1c c\u1eeda h\u00e0ng nh\u01b0 xe t\u1ea3i th\u1ef1c ph\u1ea9m.<\/p>\n

V\u1edbi c\u00f4ng ngh\u1ec7 c\u1ed5ng thanh to\u00e1n Square Reader, ng\u01b0\u1eddi b\u00e1n ch\u1ec9 c\u1ea7n g\u1eafn m\u1ed9t ph\u1ea7n c\u1ee9ng nh\u1ecf v\u00e0o \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng c\u1ee7a h\u1ecd, cho ph\u00e9p kh\u00e1ch h\u00e0ng qu\u1eb9t th\u1ebb thanh to\u00e1n \u0111\u1ec3 x\u1eed l\u00ed th\u00f4ng qua k\u1ebft n\u1ed1i \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng.<\/p>\n

Square Reader sau \u0111\u00f3 s\u1ebd g\u1eedi th\u00f4ng tin thanh to\u00e1n \u0111\u1ebfn m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u0103ng k\u00ed, sau \u0111\u00f3 x\u1eed l\u00ed th\u00f4ng tin cho ng\u01b0\u1eddi b\u00e1n trong gi\u00e2y l\u00e1t.<\/p>\n

C\u00f3 kh\u1ea3 n\u0103ng c\u00e1c s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7 m\u1edbi s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n t\u00ednh linh ho\u1ea1t v\u00e0 t\u1ed1c \u0111\u1ed9 c\u1ee7a c\u00e1c c\u1ed5ng thanh to\u00e1n trong nh\u1eefng n\u0103m t\u1edbi, khi c\u00f4ng ngh\u1ec7 v\u00e0 th\u00f3i quen c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ec1u li\u00ean t\u1ee5c ph\u00e1t tri\u1ec3n.<\/p>\n

(Theo Investopedia<\/i>)<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n C\u1ed5ng thanh to\u00e1n (ti\u1ebfng Anh: Payment Gateway) l\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng t\u1eeb kh\u00e1ch h\u00e0ng.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[415],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27181"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=27181"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27181\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}