支付宝联手美国在线支付公司Stripe掘金海淘电商市场

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.

约翰与帕特里克·克里森创建在线支付公司Stripe时，定下了一个雄心勃勃的目标：帮助全球所有商家与全球所有买家轻松完成交易。本周二，Stripe开始向（来自中国大陆的）用户提供使用支付宝账户付款这个选项，朝着实现上面这个愿景迈出了一大步。

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.

这个举措将使几亿中国网民能与几千家使用Stripe处理交易的商家做生意，也将帮助Stripe这个在硅谷炙手可热的支付新创企业同贝宝（PayPal）的线上支付平台Braintree等对手展开竞争。

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.)

中国是全球最大的互联网服务市场，而支付宝是中国最大的在线和移动支付平台。去年，支付宝处理了5190亿美元的付款，其中一半以上来自阿里巴巴平台外的交易。阿里巴巴是中国电子商务巨头，支付宝是从阿里巴巴分拆出来的产物。（相比之下，2013年，贝宝处理的支付总额为1800亿美元。）

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首席执行官帕特里克o克里森在一次采访中表示，同支付宝合作对总部位于旧金山的Stripe而言十分关键。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.”

克里森说：“一方面，这个举措能使来自中国这个全球最大市场的顾客购买Stripe商户提供的商品。光是这一点，就着实令人兴奋了。另一方面，它还有助于打造一个全球性的支付平台。”

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.”

集团副总裁兼支付宝美国负责人李静明在声明中表示，中国消费者“对优质西方产品和服务有着巨大的需求，这种需求还远远没有得到满足。我们很高兴能与Stripe合作，帮助它把西方品牌引入中国，将中国消费者的海淘变成一种简单而愉快的体验。”

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.

Stripe目前已经为客户处理了几十亿美元的支付，客户包括Rackspace、SalesForce.com、SurveyMonkey、《卫报》（The Guardian）以及其它许多在Squarespace和Shopify等流行商务平台上经营的商户。

“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.”

克里森说：“几乎所有使用Stripe服务的商户如今都有来自法国或德国的客户。然而，它们还没有来自中国的买家，因为中国消费者还没有办法跟它们进行交易。”

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.

克里森说，商户只需点击几下鼠标，就能将支付宝添加到付款选项中。如果商户发现某位买家来自中国，就可以在支付时向买家提供支付宝付款选项，同时向用户发送用于完成付款的验证码。Stripe将接受人民币付款，然后向商户支付美元或商户指定的其它币种。

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，中国电子商务销售额超过了美国。根据麦肯锡咨询公司（McKinsey and Company）的预测，尽管2003年以来中国电子商务复合年增长率高达120％，但到2020年，这个数字预计将下降到15％-20％。