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미국 소규모 사업자의 각종 결제 수단 수용 : 결제 옵션의 증가

Small Business Payments Acceptance: More Payment Options Creeping In

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 10월 상품 코드 913450
페이지 정보 영문
US $ 2,950 ₩ 3,532,000 PDF by E-mail (Single User License)

미국 소규모 사업자의 각종 결제 수단 수용 : 결제 옵션의 증가 Small Business Payments Acceptance: More Payment Options Creeping In
발행일 : 2019년 10월 페이지 정보 : 영문

미국 소규모 사업자의 각종 결제 수단 수용도를 조사했으며, 일반적인 판매 경로와 판매 규모, 일반적인 결제 수단, 상점 및 소비자에 의한 결제 수단 선호도의 차이, 소규모 사업자가 이용하는 주요 머천트 서비스, 가맹점 은행/머천트뱅크의 이용 규모, 새로운 각종 결제 수단과 수용도 등을 정리하여 전해드립니다.

조사 내용 하이라이트

  • 미국 소규모 사업자의 일반적인 판매 경로 : 판매량별
  • 일반적인 결제 방법 : 판매량별
  • 새로운 결제 유형의 추가 전망
  • 결제 수단의 선호도 : 상점 vs 소비자
  • 이용하고 있는 머천트 서비스 : 프로바이더 종류별
  • 메인 카드 처리업체의 변경 : 비율과 이유
  • 옴니채널 전략의 도입 규모
  • 모바일 결제·자사 기프트카드·기타 새로운 결제 유형의 수용도
  • 가맹점 은행/머천트뱅크 이용 규모

게재 기업의 예

  • Alibaba
  • American Express
  • Apple
  • Chase
  • China UnionPay
  • Clover
  • Diebold
  • Discover
  • First Data
  • Google
  • Ingenico
  • LevelUp
  • Mastercard
  • Micros
  • NCR
  • PayPal
  • Revel
  • Samsung
  • Shopify
  • Shopkeep
  • Square
  • Stripe
  • Verifone
  • Visa
  • WeChat
KSA 19.10.23

New survey finds small businesses prefer card payments over cash as new ways to pay enter the marketplace.

Latest report from Mercator Advisory Group's annual U.S. Small Business Payments and Banking Survey series presents findings on payment acceptance.

Mercator Advisory Group's most recent Insight Summary Report, Small Business Payments Acceptance: More Payment Options Creeping In , based on the company's annual Small Business Payments and Banking Survey conducted in spring 2019, reveals that more small businesses are selling online (59%) than are selling in a physical store (47%). However, the bulk of share of sales is coming from in-store sales rather than online sales. Further, about one-third of small businesses (35%) report that they are selling via a mobile app. Small businesses are more likely to report that their preferred method of payment is from the card networks rather than cash or any other method. The primary reason for preferring a certain kind of payment is the ease of handling (65%); only 4 in 10 mention lower cost.

Small businesses are mainly getting merchant services from their primary bank (70%). A similar proportion are getting merchant services from a single provider. Many third-party providers offer smaller merchants ancillary services they need aside from core processing services, and many businesses are migrating to third-party providers for online and mobile services, often designed for their business verticals.

Payments Acceptance: More Payment Options Creeping In is the second of three reports summarizing the results of the 2019 Small Business Payments and Banking Survey , the fourth annual survey of small businesses fielded by Mercator Advisory Group. This was a web-based survey of 2,002 U.S. small businesses (between $100,000 and $10 million annual sales) regarding their use of payments and banking services.

The survey contained questions on current business sentiment, payment acceptance services, business-to-business (B2B) payments, and banking depository and loan services. Forthcoming companion reports summarize the survey's findings on business-to-business payments and business banking services.

"There is a lot going on in the small business space when it comes to accepting payments, and the options available to merchants can be daunting. There is a great opportunity for companies that can understand the needs of small businesses and help them navigate the uncertainties of the ever-changing payments space," notes the author of this report, Peter Reville, Director, Primary Data Services at Mercator Advisory Group .

Companies mentioned are : Alibaba, American Express, Apple, Chase, China UnionPay, Clover, Diebold, Discover, First Data , Google, Ingenico, LevelUp, Mastercard, Micros, NCR, PayPal, PayPal, Revel, Samsung, Shopify, Shopkeep, Square, Stripe, Verifone, Visa, and WeChat

One of the exhibits included in this report:


Highlights of this Insight Summary Report include:

  • U.S. small businesses' most common sales channels by sales volume
  • The most common methods of payment accepted by sales volume and expectations to add new payment types
  • Merchants' vs. consumers' payment preferences
  • Types of merchant services used by type of provider
  • Rate of and reasons for switching primary card processing providers
  • Extent of adoption of omnichannel strategies
  • Acceptance of mobile payments, merchants' own gift cards, and other emerging payment types
  • Extent of use of acquiring/merchant banks
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