支付寶聯手美國在線支付公司Stripe掘金海淘電商市場大綱

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.
約翰與帕特里克·克里森創建在線支付公司Stripe時，定下了一個雄心勃勃的目標：幫助全球所有商家與全球所有買家輕鬆完成交易。本週二，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選項，朝着實現上面這個願景邁出了一大步。

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

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.)
中國是全球最大的互聯網服務市場，而支付寶是中國最大的在線和移動支付平臺。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外的交易。阿里巴巴是中國電子商務巨頭，支付寶是從阿里巴巴分拆出來的產物。（相比之下，2013年，貝寶處理的支付總額爲1800億美元。）

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.
Stripe首席執行官帕特里克o克里森在一次採訪中表示，同支付寶合作對總部位於舊金山的Stripe而言十分關鍵。原因如下：

“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.”
克里森說：“一方面，這個舉措能使來自中國這個全球最大市場的顧客購買Stripe商戶提供的商品。光是這一點，就着實令人興奮了。另一方面，它還有助於打造一個全球性的支付平臺。”

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.”
集團副總裁兼支付寶美國負責人李靜明在聲明中表示，中國消費者“對優質西方產品和服務有着巨大的需求，這種需求還遠遠沒有得到滿足。我們很高興能與Stripe合作，幫助它把西方品牌引入中國，將中國消費者的海淘變成一種簡單而愉快的體驗。”

Stripe currently processes billions in payments for customers that include Rackspace RAX , CRM , SurveyMonkey, The Guardian, and scores of other merchants that operate on popular commerce platforms like Squarespace and Shopify.
Stripe目前已經爲客戶處理了幾十億美元的支付，客戶包括Rackspace、、SurveyMonkey、《衛報》（The Guardian）以及其它許多在Squarespace和Shopify等流行商務平臺上經營的商戶。

“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.”
克里森說：“幾乎所有使用Stripe服務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，因爲中國消費者還沒有辦法跟它們進行交易。”

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.
克里森說，商戶只需點擊幾下鼠標，就能將支付寶添加到付款選項中。如果商戶發現某位買家來自中國，就可以在支付時向買家提供支付寶付款選項，同時向用戶發送用於完成付款的驗證碼。Stripe將接受人民幣付款，然後向商戶支付美元或商戶指定的其它幣種。

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.
2013年，中國電子商務銷售額超過了美國。根據麥肯錫諮詢公司（McKinsey and Company）的預測，儘管2003年以來中國電子商務複合年增長率高達120％，但到2020年，這個數字預計將下降到15％-20％。