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什么是电子钱包（e-Wallet）？电子钱包（e-Wallet） VS 终端机（Payment Terminal）

什么是电子钱包（e-Wallet）？

电子钱包（e-Wallet）是一种安全的数字支付应用程序，允许用户以电子方式存储资金，通过移动设备便捷地进行无现金交易和资金转账。
它可以与银行账户或银行卡绑定，实现无缝充值与支付，并广泛应用于实体店消费、线上购物以及个人间转账。​


电子钱包（e-Wallet） VS 终端机（Payment Terminal）

Aspect e-Wallet Payment Terminal
Definition 一个用于无现金支付的移动应用程序，可将资金以数字形式存储。 一种实体设备（POS/EDC 机），用于处理银行卡（信用卡/借记卡）支付。
Payment Method Scan QR code, tap phone (NFC), or online checkout. Insert, tap, or swipe a bank card.
Fund Source Preloaded balance from bank, card, or online transfer. Directly linked to customer’s bank account or credit card.
Device Needed Smartphone with internet connection. Physical card terminal provided by the bank/payment provider.
Usage Widely used for small, fast, cashless payments (retail, F&B, transport, online shopping). Common for in-store payments where customers prefer using debit/credit cards.
Extra Features Can store vouchers, loyalty points, tickets, and allow peer-to-peer transfers. Mainly for processing payments only (some may print receipts).
Examples Touch ‘n Go, GrabPay, Boost, PayPal, Apple Pay. Maybank terminal, CIMB terminal, Visa/MasterCard EDC machines.

AutoCount POS 5

通过 iPay88 集成，支持多种电子钱包支付方式。​


这其中包括常见的数字钱包，例如：


iPay88 与 AutoCount 集成的优势


    Category Benefit (with Details)
    💳 Payment Variety Supports multiple e-wallets 
    🧾 Automation Payments are automatically posted into AutoCount (e.g. linked to invoices or receipts)
    💼 Professional Setup Invoices come with QR codes so customers can pay instantly via iPay88
    🔐 Security Uses secure payment gateway (PCI-DSS compliant, encrypted, fraud-protected)
    📊 Central Reporting All payment records (cash, card, e-wallet) are centralized in AutoCount’s reports
    📉 Fewer Errors Minimizes manual input, reducing chances of data entry mistakes or mismatches


Who Benefits the Most?

    Business Type Benefit 
    Retail & F&B Faster checkout, e-wallet support, better POS reconciliation
    Service Providers Easy QR payment on invoices, faster cash collection
    Online + Offline Unified payment handling across channels
    Growing SMEs Scalable, professional payment experience without big setup


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