WhatsApp支付功能在巴西上线：数字支付新趋势还是跟风之举？
脸书公司旗下的即时通讯服务WhatsApp周一在巴西推出了支付系统，用户现在可以像发送照片或视频一样，直接在聊天中向个人或企业转账。这一举措标志着脸书公司向数字支付领域迈出了重要一步。
Facebook's messaging service WhatsApp launched a payment system in Brazil on Monday, allowing users to send money to individuals or businesses directly in chats, just like sending photos or videos. This move marks an important step for Facebook into the digital payments space.
近年来，脸书公司因用户隐私泄露等一系列丑闻导致信誉受损。公司CEO马克·扎克伯格宣布将转型为"以隐私为中心的平台"，并表示将提供更多基于即时通讯的互动方式，包括支付和商业服务。
In recent years, Facebook's reputation has been damaged by a series of scandals including user privacy breaches. CEO Mark Zuckerberg announced the company would transform into a "privacy-focused platform" and provide more messaging-based interactions, including payments and commerce services.
据TechCrunch报道，经过数月测试，WhatsApp终于上线了Facebook Pay支付服务。巴西用户成为首批体验者。WhatsApp表示，个人用户免费使用该服务，而企业用户需支付3.99%的手续费。
According to TechCrunch, after months of testing, WhatsApp has finally launched the Facebook Pay service. Brazilian users are the first to experience it. WhatsApp stated that the service is free for individual users, while businesses will pay a 3.99% processing fee.
目前，用户可绑定Visa、MasterCard等信用卡或借记卡，通过6位数密码或指纹完成支付。WhatsApp与巴西最大的信用卡运营商Cielo合作，此消息使Cielo股价当天飙升30%。
Currently, users can link Visa, MasterCard credit or debit cards, and complete payments with a 6-digit password or fingerprint. WhatsApp partnered with Brazil's largest card operator Cielo, sending its shares up 30% on the announcement day.
值得注意的是，WhatsApp支付服务首先在巴西而非印度上线，尽管印度市场测试已持续两年。巴西作为WhatsApp第二大市场，拥有超过1.2亿月活跃用户，是其选择的重要原因。
Notably, WhatsApp Payments launched first in Brazil instead of India, despite two years of testing in the Indian market. With over 120 million monthly active users, Brazil being WhatsApp's second-largest market was a key factor in this decision.
WhatsApp COO马特•艾德马表示："无论是个人还是小型企业，WhatsApp在巴西都被大量使用。我们认为可以帮助巴西发展数字支付，支持小型企业和普惠金融。"
WhatsApp COO Matt Idema said: "WhatsApp is widely used in Brazil by both individuals and small businesses. We believe we can help develop digital payments in Brazil, support small businesses and promote financial inclusion."
在新冠疫情期间，这项服务尤其重要，它帮助居家隔离的用户更方便地进行金融交易。许多巴西小企业已将WhatsApp作为营销工具，支付功能的加入将进一步促进商业活动。
During the COVID-19 pandemic, this service is particularly valuable, helping users in quarantine conduct financial transactions more easily. Many Brazilian small businesses already use WhatsApp for marketing, and the payment feature will further facilitate commercial activities.
