接受国外本地借记卡付款
我有一个电子商务网站，目前接受维萨卡、万事达卡和所有其他主要卡的付款。然而，我遇到的一个问题是接受使用本地借记卡的客户付款。假设来自中国的某人没有主要信用，并且他想使用当地的借记卡，我希望能够接受他的付款，只要其合法。我该怎么办？谢谢。
I have an ecommerce website and I am currently accepting payments from visa, master card and all the other major cards. However, one issue I am having is accepting payment from customers using local debit cards. Say someone from China doesn't have a major credit and he wants to use his local debit card, I want be able to accept payment from him as long as its legal. How do I go about this? Thanks.
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我不确定您对“本地”借记卡的定义。
我猜日本的借记卡与世界其他地方非常相似。实际情况是，发卡银行使用 Visa 或 MasterCard（或 JCB - 日本信用局，在亚洲很流行）等主要卡计划作为其借记卡。
例如，在英国，我们有一家名为 Halifax 的“本地银行”，其借记卡使用 Visa。一些持卡人可能会说这是哈利法克斯借记卡，但该卡本身将带有 Visa 徽标，并且其工作方式与任何其他 Visa 借记卡一样。
您将卡详细信息发送给您的支付服务提供商，他们从前六位数字（发卡机构识别号）识别卡方案，这告诉他们是否是 Visa 信用卡/借记卡、MasterCard 信用卡/借记卡（等等）。然后，服务提供商执行任何 3DSecure 检查，将卡详细信息发送给收单银行（您与您有商家帐户协议），收单银行将其转发给发卡银行（“本地”银行）进行授权和清算。
简而言之 - 不用担心。您的支付服务提供商（只要他们相当熟练）将为您处理这些事情。
编辑：
我不熟悉“多重链接”作为收单方（您有网页吗？），但我不得不假设它们像其他所有收单方一样工作。与您签订了商家协议的收单银行联系（或首先尝试支付服务提供商），看看他们是否有指向多重链接的链接。如果是这样，正如我上面所说，一切都应该是透明的。
如果没有，那么技术上你可以直接通过‘multilink’进行链接，自行进行授权和结算。这意味着您将扮演服务提供商的角色，以及与之相关的所有陷阱（主要是更高程度的 PCI-DSS 审查）
I'm not sure of your definition of 'local' debit card.
I would guess that debit cards in Japan are very similar to the rest of the world. What happens is that the issuing bank uses a major card scheme such as Visa or MasterCard (or JCB - Japanese Credit Bureaux, quite popular in Asia) for its debit cards.
For example in the UK we have a 'local bank' named Halifax, which uses Visa for its debit cards. Some cardholders may say its a Halifax debit card, but the card itself will be branded with the Visa logo, and it works just like any other Visa Debit card.
You send the card detail to your payment service provider, they identify the card scheme from the first six digits (Issuer Identification Number), which tells them whether its a Visa Credit/Debit, MasterCard Credit/Debit (etc etc). The service provider then carries out any 3DSecure checks, sends the card details to the acquiring bank (you have a merchant account agreement with) and the acquiring bank forwards it to the issuing bank ('local' bank) for authorisation and clearing.
In short - dont worry about it. Your payment service provider (so long as they are reasonably proficient) will take care of these things for you.
Edit:
I'm not familiar with 'multilink' as an acquirer (do you have a webpage?) but I would have to assume they work like every other acquirer. Speak to your acquiring bank that you have a merchant agreement with (or try the payment service provider first) to see if they have links to multilink. If so, it should all be transparent as I said above.
If not, then you could technically link up directly with 'multilink' to perform authorisation and settlement yourself. This would mean you take on the role of a service provider, and all the pitfalls associated with it (mainly a much higher degree of PCI-DSS scrutiny)
Paypal 是唯一真正支持全球大多数本地借记方式的支付提供商。不过，他们的声誉也并非一尘不染——商家有太多关于账户冻结和服务不佳的恐怖故事，这些都不是单一的经历。由于这些原因，我倾向于尽可能避免它们。而且，它们并不便宜。但是，如果您希望在国际层面上提供本地借记方式，我不知道有什么严肃的替代方案。
不过，我不确定他们在中国支持什么——你必须检查一下。
Paypal is the only payment provider that really supports most of the local debit methods around the world. They don't have an untarnished reputation, though - there are too many horror stories from merchants about frozen accounts and dismal service to be single experiences. For these reasons, I tend to avoid them wherever I can. Also, they're not cheap. But if you're looking to serve local debit methods on an international level, I don't know any serious alternatives to them.
I'm not sure about what they support in China, though - you would have to check that out.