온라인 스토어 구축 솔루션은 아래와 같은 결제처리시스템 (Payment Gateway or Payment Processor)과 통합해야 합니다. 우리나라에서는 전자지급결제대행 / 전자지불시스템 / PG (Payment Gateway) 등의 용어를 사용하고 있습니다.
결제처리시스템 제공기업 (PSP; Paymenr Service Provider)은 Visa / Mastercard / American Express / Discover 같은 카드 네트워크를 통해 온라인 결제를 처리하고, 매출채권을 현금화해서 온라인 상점을 운영하는 사업체 (retailer) 에게, "온라인결제처리 수수료를 제하고" 판매대금을 지급합니다.
PSP는 온라인 상점을 운영하는 사업체가 위치한 국가로 USD, EUR, GBP, JPY 같은 통화로 판매대금을 지급할 때, 수 많은 금융규제를 준수하고, 인허가를 획득해야 합니다. (+ 보안규제)
글로벌 온라인 결제처리 솔루션인 Stripe, Adyen, Square, Braintree, Shopify Payments 등은 대한민국 사업자로서는 사용할 수 없는 솔루션이며, PayPal Business / PayPal Express Checkout, 엑심베이 (Eximbay), 페이먼트월코리아 (Paymentwall Korea) 등을 통해 글로벌 온라인 결제를 처리할 수 있습니다.
| Company | Platform | Headquarters | Available Countries (Merchant) |
|---|---|---|---|
| Shopify Payments | Online, POS, Mobile | United States | United States, Australia, Austria, Canada, Denmark, Germany, Hong Kong SAR China, Ireland, Italy, Japan, Netherlands, New Zealand, Singapore, Spain, Sweden, United Kingdom |
| Adyen | Online, POS, Mobile | Netherlands | Netherlands, Austria, Australia, Belgium, Canada, Croatia, Czech Republic, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Poland, Portugal, Slovakia, Slovenia, Spain, Switzerland, United Kingdom, United States |
| Amazon Pay | Online | United States | United States, Austria, Belgium, Cyprus, Germany, Denmark, Spain, France, Hungary, Luxembourg, Ireland, India, Italy, Japan, Netherlands, Portugal, Sweden, United Kingdom |
| Apple Pay | Mobile, Online | United States | United States, United Kingdom, Canada, Australia, China, Singapore, Switzerland, France, Hong Kong, Russia, New Zealand, Japan, Spain, Ireland, Taiwan, Italy, Sweden, Denmark, Finland, United Arab Emirates, Brazil, Austria |
| Authorize.Net | Online | United States | United States, Australia, Canada, United Kingdom, Europe |
| Braintree | Mobile, Online, POS | United States | United States, Australia, Canada, Europe, Hong Kong, Malaysia, New Zealand, Singapore |
| Google Pay | Online, Mobile | United States | United States, Australia, Belgium, Brazil, Canada, Chile, Croatia, Czech Republic, Denmark, Finland, France, Germany, Hong Kong, India, Ireland, Italy, Japan, New Zealand, Norway, Poland, Russia, Singapore, Slovakia, Spain, Sweden, Switzerland, Taiwan, Ukraine, United Arab Emirates, United Kingdom |
| Klarna | Online, POS, Mobile | Sweden | Sweden, Germany, Norway, Finland, Netherlands, Austria, Denmark |
| PayPal | Online | United States | Global |
| Qiwi | Online, Mobile | Cyprus | Russia, Ukraine, Kazakhstan, Moldova, Belarus, Romania, United States, United Arab Emirates |
| Skrill | Online | United Kingdom | United Kingdom |
| Square | Online, Mobile, POS | United States | United States, Canada, Japan, Australia, United Kingdom |
| Stripe | Online, Mobile | United States | United States, Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Gibraltar(invite only), Liechtenstein(invite only) |
| WeChat Pay | Mobile, POS, Online | China | China |
| Yandex.Checkout by Yandex.Money | Online, Mobile | Russia | Russia, Belarus, Belize, Panama, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Ukraine |
References
1. Shopify Payments requirements
2. PayPal Business (Express Checkout)
3. 2checkout available countries
4. Stripe available countries
5. Adyen supported countries
