Alipay là gì ? Giới thiệu chung về Alipay.com

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Alipay là gì ? Giới thiệu chung về Alipay.com

Alipay là gì ?

[Nạp tiền Alipay] Alipay – 支付宝 (zhifubao) là một ví điện tử tại Trung Quốc do tập đoàn Alibaba Group sở hữu và phát triển. Alipay ra đời vào năm 2004, trong bồi cảnh Alibaba mới bắt đầu xâm nhập thị trường thương mại điện tử, cần một công cụ để đảm bảo giao dịch trực tuyến sẽ diễn ra an toàn và tạo niềm tin cho người tiêu dùng trong hình thức giao dịch hoàn toàn mới mẻ này. Alipay lúc này được CEO của Alibaba – Jack Ma dành cho nhiều tâm huyết và coi đây là một vũ khí để đánh bật những đối thủ ngoại quốc khác đang nhăm nhe thị trường đông dân nhất thế giới này.

Alipay.com

Ảnh : Giao diện trang của Alipay.com năm 2016

Nhiệm vụ chính của Alipay là bảo lãnh thanh toán trong các giao dịch trực tuyến. Khi một đơn hàng giao dịch trực tuyến được khởi tạo, Alipay sẽ sắm vai bên thứ ba làm trung gian đứng ra để đảm bao cho đôi bên thực hiện nghiêm túc giao dịch. Trong giao dịch, sau khi hoàn tất quá trình đàm phán, bên mua hàng sẽ tiến hành thanh toán và lúc này nhiệm vụ của Alipay là nhận tiền từ bên mua hàng, đóng băng khoản tiền thanh toán và tiếp theo là thông báo tới bên bán hàng và đề nghị bên bán hàng tiến hành xuất hàng chuyển tới địa chỉ bên mua hàng theo như cam kết. Sau khi bên mua nhận được hàng và hoàn tất kiểm hàng sẽ gửi xác nhận tới Alipay để gỡ băng khoản thanh toán, bên bán lúc này sẽ nhận được tiền và giao dịch được hoàn tất.

Sau khi giải quyết được vấn đề bảo vệ thanh toán khi giao dịch trực tuyến, với công cụ ví điện tử này, Alibaba nhanh chóng chiếm lĩnh được niềm tin từ người dùng và đặt dấu mốc đầu tiên dành cho sự phát triển của loại hình giao dịch trực tuyến tại Trung Quốc. Alipay ra đời là yếu tố lớn góp phần tạo lên thành công của sàn thương mại điện tử Taobao – một sản phẩm khác của Alibaba trong việc cạnh tranh với những đối thủ đi trước đang rất mạnh trong giai đoạn này. Năm 2010, theo số liệu thống kê của Trung tâm thống kê thông tin Trung Quốc (CIISC), Alipay đã sở hữu 550 triệu người dùng, tương đương ½ dân số Trung Quốc lúc bấy giờ. Năm 2012, Alipay xử lý 1.1 nghìn tỷ nhân dân tệ (170 tỷ USD) doanh số giao dịch trực tuyến Trung Quốc.

Thành công của Alipay đã khiến người dân Trung Quốc nhanh chóng chào đón loại hình giao dịch trực tuyến và các giao dịch phát sinh trên hệ thống của Taobao tăng lên với tốc độ chóng mặt. Alibaba nhờ đó trở thành tập đoàn tầm cỡ quốc tế và chính thức niêm yết cổ phiếu lần đầu ra công chúng (IPO) tại Sở giao dịch chứng khoán New York vào ngày 19/09/2014 với số vốn hoá là 231 tỷ USD, cao hơn cả số vốn hoá của Amazon và eBay cộng lại. Jack Ma – CEO Alibaba trở thành doanh nhân Trung Quốc đại lục đầu tiên xuất hiện trên trang bìa của tạp chí Forbes, sở hữu khối tài sản tộng cộng 28,6 tỷ USD và là tỷ phú đứng thứ nhất Châu Á, thứ 19 trên toàn thể giới.

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