????約翰與帕特里克?克里森創(chuàng)建在線支付公司Stripe時(shí)，定下了一個(gè)雄心勃勃的目標(biāo)：幫助全球所有商家與全球所有買家輕松完成交易。本周二，Stripe開始向（來自中國大陸的）用戶提供使用支付寶賬戶付款這個(gè)選項(xiàng)，朝著實(shí)現(xiàn)上面這個(gè)愿景邁出了一大步。

????這個(gè)舉措將使幾億中國網(wǎng)民能與幾千家使用Stripe處理交易的商家做生意，也將幫助Stripe這個(gè)在硅谷炙手可熱的支付新創(chuàng)企業(yè)同貝寶（PayPal）的線上支付平臺(tái)Braintree等對(duì)手展開競爭。

????中國是全球最大的互聯(lián)網(wǎng)服務(wù)市場，而支付寶是中國最大的在線和移動(dòng)支付平臺(tái)。去年，支付寶處理了5190億美元的付款，其中一半以上來自阿里巴巴平臺(tái)外的交易。阿里巴巴是中國電子商務(wù)巨頭，支付寶是從阿里巴巴分拆出來的產(chǎn)物。（相比之下，2013年，貝寶處理的支付總額為1800億美元。）

????Stripe首席執(zhí)行官帕特里克?克里森在一次采訪中表示，同支付寶合作對(duì)總部位于舊金山的Stripe而言十分關(guān)鍵。原因如下：

????克里森說：“一方面，這個(gè)舉措能使來自中國這個(gè)全球最大市場的顧客購買Stripe商戶提供的商品。光是這一點(diǎn)，就著實(shí)令人興奮了。另一方面，它還有助于打造一個(gè)全球性的支付平臺(tái)。”

????集團(tuán)副總裁兼支付寶美國負(fù)責(zé)人李靜明在聲明中表示，中國消費(fèi)者“對(duì)優(yōu)質(zhì)西方產(chǎn)品和服務(wù)有著巨大的需求，這種需求還遠(yuǎn)遠(yuǎn)沒有得到滿足。我們很高興能與Stripe合作，幫助它把西方品牌引入中國，將中國消費(fèi)者的海淘變成一種簡單而愉快的體驗(yàn)?！?/p>

????Stripe目前已經(jīng)為客戶處理了幾十億美元的支付，客戶包括Rackspace、SalesForce.com、SurveyMonkey、《衛(wèi)報(bào)》（The Guardian）以及其它許多在Squarespace和Shopify等流行商務(wù)平臺(tái)上經(jīng)營的商戶。

????克里森說：“幾乎所有使用Stripe服務(wù)的商戶如今都有來自法國或德國的客戶。然而，它們還沒有來自中國的買家，因?yàn)橹袊M(fèi)者還沒有辦法跟它們進(jìn)行交易?！?/p>

????克里森說，商戶只需點(diǎn)擊幾下鼠標(biāo)，就能將支付寶添加到付款選項(xiàng)中。如果商戶發(fā)現(xiàn)某位買家來自中國，就可以在支付時(shí)向買家提供支付寶付款選項(xiàng)，同時(shí)向用戶發(fā)送用于完成付款的驗(yàn)證碼。Stripe將接受人民幣付款，然后向商戶支付美元或商戶指定的其它幣種。

????2013年，中國電子商務(wù)銷售額超過了美國。根據(jù)麥肯錫咨詢公司（McKinsey and Company）的預(yù)測，盡管2003年以來中國電子商務(wù)復(fù)合年增長率高達(dá)120％，但到2020年，這個(gè)數(shù)字預(yù)計(jì)將下降到15％-20％。（財(cái)富中文網(wǎng)）

????譯者：項(xiàng)航

????John and Patrick Collison founded Stripe with an ambitious goal: make it easy for any business anywhere to transact with any customer anywhere. On Tuesday, their company is taking a big step toward that vision by integrating the Chinese payment giant Alipay into its services.

????The move will allow hundreds of millions of Chinese Internet users to do business with thousands of merchants that use Stripe to process transactions. It will also give Stripe, one of the hottest payment startups in Silicon Valley, a boost in its competition with PayPal’s Braintree PYPL and others.

????Alipay is the largest processor of online and mobile payments in the world’s largest market for Internet services. Last year, the company processed $519 billion in payments, more than half of it outside of Alibaba, the Chinese e-commerce giant that spun off Alipay. (For comparison, PayPal’s total payment volume in 2013 was $180 billion.)

????In an interview, Patrick Collison, Stripe’s chief executive, said the integration was a critical step for the San Francisco-based company for two reasons.

????“One is the plain fact of what is happening, enabling consumers in the largest single market in the world to purchase from any Stripe merchant,” he said. “If that was all that was happening, we’d be really excited. But this is also the next step in the progression to building the universal payments platform.”

????In a statement, Jingming Li, group vice president and head of Alipay U.S., said that Chinese consumers have a “huge unmet demand for high-quality Western products and services. We’re excited to cooperate with Stripe to help accelerate the introduction of Western brands into China, and to turn global online shopping into a simple and enjoyable experience for Chinese consumers.”

????Stripe currently processes billions in payments for customers that include Rackspace RAX , SalesForce.com CRM , SurveyMonkey, The Guardian, and scores of other merchants that operate on popular commerce platforms like Squarespace and Shopify.

????“Almost any business using Stripe today, they are selling to people in France or Germany,” Collison said. “Yet, these businesses have almost no buyers in China today, because people in China cannot transact with them today.”

????Collison said merchants will be able to add Alipay as a payment option with just a few clicks. If a merchant detects that a customer is in China, it will offer Alipay at the checkout and send the customer a validation code to complete the payment. Stripe will take the payment in Renminbi and pay the merchant in U.S. dollars or whatever currency the merchant has specified.

????In 2013, e-commerce sales in China surpassed those in the United States. Though they have enjoyed a compound annual growth rate of 120% since 2003, they are expected to slow to between 15% and 20% through 2020, according to McKinsey and Company estimates.