Visa+ 揭幕：跨平台支付名徹底改變點對點支付

Visa+ 於 2022 年 4 月推出，旨在彌合點對點支付應用程式之間的差距，支援向 Venmo 和 PayPal 等參與的數位錢包進行即時付款。該服務允許用戶設定連接到 Visa 令牌的唯一 Visa+ 支付名，確保隱私和安全。 Visa+ 解決了支付系統的碎片化問題，為 B2C 支付流程提供互通性，並使企業能夠即時支付資金。 Visa+ 計畫在 2024 年透過與 Astra、Brightwell、Cross River Bank 和 Fiserv 的合作進行擴張，旨在推動電子薪資取得解決方案的採用，並增強數位支付領域的整體消費者體驗。

Visa+ Service Unveiled: Revolutionizing Peer-to-Peer Payments with Cross-Platform Interoperability

Visa+ 服務推出：透過跨平台互通性徹底改變點對點支付

In a groundbreaking move, Visa has introduced Visa+, a transformative service that bridges the gap between disparate payment apps, enabling real-time payouts to participating digital wallets. Building on its initial plans, Visa+ has officially launched its consumer service with inaugural partners PayPal, Venmo, and DailyPay.

Visa 推出了一項突破性舉措 Visa+，這是一項變革性服務，可彌合不同支付應用程式之間的差距，實現向參與的數位錢包進行即時付款。在其最初計劃的基礎上，Visa+ 已與首批合作夥伴 PayPal、Venmo 和 DailyPay 正式推出消費者服務。

Seamless Cross-Platform Transactions: The Power of Visa+

無縫跨平台交易：Visa+ 的力量

Visa+ empowers consumers to seamlessly send and receive payments across different payment platforms without the limitations of traditional payment systems. To facilitate this interoperability, participating wallets introduce a simplified user flow, allowing eligible consumers to establish unique Visa+ paynames. These paynames are linked to a Visa token, ensuring secure and efficient transactions.

Visa+ 使消費者能夠在不同支付平台上無縫發送和接收付款，而不受傳統支付系統的限制。為了促進這種互通性，參與的錢包引入了簡化的用戶流程，允許符合條件的消費者建立獨特的 Visa+ 支付名稱。這些支付名與 Visa 令牌相關聯，確保交易安全且有效率。

To initiate a payment, senders simply enter the recipient's Visa+ payname in their participating wallet app. The sending wallet then queries the Visa+ service, matching the payname to the underlying Visa token. Subsequently, the funds are pushed directly into the recipient's Visa+ linked account, completing the transaction in real time.

要發起付款，寄件者只需在其參與的錢包應用程式中輸入收件人的 Visa+ 付款名稱即可。然後，發送錢包查詢 Visa+ 服務，將付款名稱與基礎 Visa 代幣進行配對。隨後，資金直接存入收款人的 Visa+ 關聯帳戶，即時完成交易。

Privacy and Security: The Cornerstones of Visa+

隱私與安全：Visa+ 的基石

Visa+ prioritizes consumer privacy and security through its innovative paynames. Unlike traditional payment systems that require users to share sensitive information such as phone numbers or emails, Visa+ eliminates the need for such data exchange. Paynames serve as unique identifiers, protecting user data and reducing the risk of fraud.

Visa+ 透過其創新的支付名稱優先考慮消費者的隱私和安全。與要求用戶共享電話號碼或電子郵件等敏感資訊的傳統支付系統不同，Visa+ 消除了此類資料交換的需求。付款名充當唯一標識符，保護用戶資料並降低詐欺風險。

Furthermore, Visa+ employs multi-layered risk controls, including mandatory KYC screening and tokenization. KYC screening ensures that eligible consumers are thoroughly verified before issuing Visa+ paynames, while tokenization safeguards user account information, preventing unauthorized access.

此外，Visa+ 採用多層風險控制，包括強制性 KYC 篩選和標記化。 KYC 篩選可確保符合資格的消費者在發放 Visa+ 付款名之前得到徹底驗證，而標記化可保護用戶帳戶信息，防止未經授權的訪問。

Driving Consumer Preference: The Rise of Peer-to-Peer Payments

推動消費者偏好：點對點支付的興起

In recent years, consumer payment preferences have undergone a profound shift, with peer-to-peer (P2P) payments gaining significant traction. In the US alone, P2P payment volume soared to an estimated $993 billion in 2023, fueled by the widespread adoption of smartphones and the growing popularity of online commerce.

近年來，消費者的支付偏好發生了深刻的轉變，點對點（P2P）支付獲得了顯著的吸引力。僅在美國，由於智慧型手機的廣泛採用和線上商務的日益普及，P2P 支付額預計在 2023 年飆升至 9,930 億美元。

Younger Americans, in particular, have embraced P2P payment apps like Venmo, Zelle, PayPal, and Cash App, drawn by the convenience, rewards, and loyalty programs offered by these platforms. Nearly half of US adults using P2P apps regularly rely on them for splitting expenses and managing everyday financial needs.

尤其是年輕的美國年輕人，受到這些平台提供的便利、獎勵和忠誠度計劃的吸引，已經接受了 Venmo、Zelle、PayPal 和 Cash App 等 P2P 支付應用程式。近一半使用 P2P 應用程式的美國成年人經常依靠它們來分攤開支和管理日常財務需求。

Visa+: Bridging the Interoperability Gap

Visa+：彌合互通性差距

Despite the popularity of P2P apps, a notable absence of widely available solutions hindered real-time transactions between users of different payment systems, such as transferring funds between Venmo and PayPal. This gap prompted the launch of Visa+, a service designed to address this fragmentation and promote standardization across diverse payment systems.

儘管 P2P 應用程式很受歡迎，但廣泛可用的解決方案的明顯缺乏阻礙了不同支付系統的用戶之間的即時交易，例如在 Venmo 和 PayPal 之間轉移資金。這一差距促使 Visa+ 的推出，該服務旨在解決這種分散化問題並促進不同支付系統的標準化。

By expanding its reach through partnerships with enablers such as DailyPay, Astra, Brightwell, Cross River Bank, and Fiserv, Visa+ aims to deepen its footprint with end-customers and offer a comprehensive range of payment functionalities. These include real-time business-to-consumer disbursements, streamlined transaction processing, and fraud management capabilities.

透過與 DailyPay、Astra、Brightwell、Cross River Bank 和 Fiserv 等推動者合作擴大其影響力，Visa+ 旨在加深其與最終客戶的聯繫，並提供全面的支付功能。其中包括即時企業對消費者支付、簡化的交易處理和詐欺管理功能。

Beyond P2P: Visa+ Enhances Business Transactions

超越 P2P：Visa+ 增強商業交易

Visa+ not only enhances consumer experiences in P2P transactions but also extends cross-platform interoperability to business-to-consumer (B2C) payment flows through its APIs. This integration simplifies operations for wallets, neobanks, fintechs, gig platforms, and other payout providers. By eliminating the need for multiple individual agreements typically required in closed-loop P2P ecosystems, Visa+ streamlines the process, reducing complexity and improving efficiency.

Visa+不僅增強了消費者在P2P交易中的體驗，也透過其API將跨平台互通性擴展到企業對消費者（B2C）支付流程。這種整合簡化了錢包、新銀行、金融科技、零工平台和其他支付提供者的運作。透過消除閉環 P2P 生態系統通常需要的多個單獨協議的需要，Visa+ 簡化了流程，降低了複雜性並提高了效率。

Expansion and Future Roadmap: Visa+ Poised for Global Reach

擴張與未來路線圖：Visa+ 蓄勢待發，觸達全球

Visa+ is poised for global expansion, with plans to extend its services beyond the US and support cross-border use cases. The service will continue to evolve, with additional features and improvements planned to enhance its functionality and meet the growing demands of consumers and businesses alike.

Visa+ 已做好全球擴張的準備，計劃將其服務擴展到美國以外並支援跨國用例。該服務將繼續發展，計劃提供更多功能和改進，以增強其功能並滿足消費者和企業不斷增長的需求。

Visa+: A Catalyst for Digital Payment Transformation

Visa+：數位支付轉型的催化劑

Visa+ represents a significant leap forward in the digital payment landscape. Its innovative approach to cross-platform interoperability, robust security features, and extensive reach through partnerships position it as a driving force in shaping the future of payments. As Visa+ expands its scope and capabilities, it has the potential to revolutionize the way consumers and businesses transact, fostering seamless, secure, and efficient payment experiences on a global scale.

Visa+ 代表了數位支付領域的重大飛躍。其跨平台互通性的創新方法、強大的安全功能以及透過合作夥伴關係實現的廣泛影響力使其成為塑造支付未來的驅動力。隨著 Visa+ 擴大其範圍和功能，它有可能徹底改變消費者和企業的交易方式，在全球範圍內促進無縫、安全和高效的支付體驗。