數碼轉型是世界企業發展的趨勢，電子支付當然是當中重要的一環。2023年起，BBMSL的電子支付科技業務已延伸至新加坡、泰國、馬來西亞、澳洲及越南等地區，協助解決當地中小企業線上線下收款與管理痛點，也助其走出國際、拓展商機。統計數字指出，去年台灣中小企業家數佔全體企業的98%以上，銷售額佔比超過5成。與此同時，台灣去年非現付交易筆數高達54億筆、交易額6.17兆元。若以每年13%的成長率估計，今年交易額可上至7兆元。我們看準台灣的發展潛力，在2023年年頭選擇落戶台灣後，深入了解了當地市場的合作夥伴及文化，決定收購在台灣已有強大的品牌聲譽與客戶信任度的第三方代收代付公司－黑潮數位。黑潮與富邦商業銀行一直合作信用卡收單，相信收購決定將有助於公司在台灣市場實現快速成長。配合旗下POS品牌BOXS 提供全方位的解決方案過去黑潮在台推動支付業務時，少了POS系統的支持，如今配合了我們集團旗下POS品牌－BOXS，以及BBMSL的電子支付服務等資源 ，三者結合各司其職，將刷卡、金流、電子支付、電子票證一體化，提供全方位的解決方案，有助於中小企業創新與轉型，適應現代商業需求，進而推動金融科技發展，快速實現台灣非現金支付的計劃。未來發展願景CEO余孟滔看好台灣中小企業的成長潛力，認為每一間大公司也是從中小企規模中慢慢茁壯出來，希望香港中小企在擴展海外業務時，也能透過我們「跨國際、跨平台、跨系統、跨支付」的服務特性，協助商戶直接前往海外發展，不必考慮異地支付不同步等複雜問題，助其快速落地。此外，區塊鏈及虛擬貨幣在支付業之應用在世界各地也是熱烈議題，目前各國對於區塊鏈與虛擬貨幣的掌控及法律仍處於「諮詢階段」，我們都在期待如何在這個元宇宙領域把電子支付業帶往更高、更遠的境界，期待相關法規之訂定，替電子支付科技寫下新一頁。相關報導：➤專訪／樋熥支付攜黑潮瞄準金融科技需求 一站式服務助攻企業轉型➤專訪／區塊鏈顛覆支付產業！香港樋熥CEO：相關應用待法規落地➤影音／香港樋熥支付與黑潮聯手！助台灣中小企打國際盃「支付+區塊鏈」前景應用值得期待BBMSL已幫助超過13,000個商戶在數碼時代取得成功，除了提供核心業務線上／線下一站式支付服務之外，還與各種金融科技伙伴結成戰略聯盟，為商戶提供 BBHub 商戶服務生態系統，實現新營運模式，包括商業寬頻、銷售系統以及商戶融資等，旨在解決中小企業所面臨的痛點，減輕他們的營運壓力，幫助商戶應對數碼轉型的挑戰，實現共贏！
近年香港市場越趨數碼化，網上購物和電子支付都變得普及。不少人都傾向網上購物，付款流程快捷方便，以下會逐一比較線上支付服務供應商的申請程序、手續費和交易詳情，讓各位店主從而挑選適合的線上支付系統，做生意可以事半功倍！無論你是那⼀種營商模式， 我們也有合適的收款⽅案。如果大家想了解更多BBMSL 線上支付方案，歡迎聯絡我們的銷售團隊查詢！BBMSL電子支付方案📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
Small and medium-sized enterprises (SMEs) are the backbone of every regional economy, and this is particularly evident in Hong Kong. According to data from the Hong Kong Trade and Economic Development Bureau, there are approximately 340,000 SMEs in Hong Kong, accounting for 98% of all businesses and 46% of the entire labor market. In the wave of digital transformation, electronic payments have become an indispensable part of every economic system. However, SMEs in the electronic payment industry in Hong Kong have been overlooked. Due to profit and cost issues, traditional banks tend to serve large chain enterprises. BBMSL has identified this market gap and become a bridge between electronic payments and SMEs, helping them succeed in the digital age.BBMSL is honored to be selected as one of the "Innovation & Disruption Leaders" by "Global Thought Leaders," recognizing BBMSL's contributions to the fintech industry in Hong Kong and achieving the concept of "Tomorrow's Ideas revolutionizing the world of tomorrow" advocated by Global Thought Leaders. This award has also been reported by CBS News in the United States and turned into a documentary, demonstrating its importance and international recognition. We also invited one of our merchants, Chung Wah Noodle Factory, for an interview to share how BBMSL has assisted them in their digital transformation, including providing aggregated electronic payment services, sales systems, and e-commerce websites, greatly simplifying their operational processes and enabling their business to embark on the O2O path successfully.➤ Full article: BBMSL: Empowering SMEs in Hong Kong➤ Full documentary: BBMSL: Empowering SMEs in Hong KongBBMSL has now helped over 13,000 merchants succeed in the digital age. In addition to providing core online/offline one-stop payment services, we have also formed strategic alliances with various fintech partners to provide the BBHub merchant service ecosystem, including commercial broadband, sales systems, and merchant financing. The aim is to address the pain points SMEs face, alleviate their operational pressures, and help them better respond to the challenges of digital transformation, achieving win-win outcomes!
5.6% and 9.9% Growth in Food & Catering Business and Retail in Q3 2023BBMSL, a leading fintech payment service provider in Hong Kong, announced during the Hong Kong Fintech Week 2023 exhibition that in response to the slow recovery of SMEs post-pandemic, it has officially launched its revolutionary service BBHub to ease the operational pressure on its SME customers.Serving over 13,000 SMEs across Hong Kong, with retail and catering customers making up over 50% of its clientele, BBMSL's internal data for the third quarter indicates a sluggish growth in the restaurant and retail industries post the government's consumption voucher campaign, with a 5.6% increase in the catering business and a 9.9% increase in retail compared to the second quarter. In September 2023, consumption amounts via WeChat Pay, Alipay, and Octopus showed a significant decline of 25%, 24%, and 20%, respectively, compared to August 2023.Since the end of 2022, BBMSL has been developing the new operational model BBHub, which allows merchants to pay their operating expenses directly through payment terminals, addressing the issue of tight operational funds for SMEs. It also introduces a merchant cash advance system integrated with BBHub, offering pre-approved emergency funds based on stress tests, ranging from tens to hundreds of thousands, as an alternative for businesses waiting for or unable to apply for fully guaranteed loans.The strategic partners of BBHub include Hong Kong Broadband Group ("Hong Kong Broadband"; Stock Code: 1310), RD Technologies founded by Mr. Norman Chan, the former Chief Executive of the Hong Kong Monetary Authority, and BOXS, a member company of the Incu-Tech program at Hong Kong Science Park. Hong Kong Broadband and RD Technologies provide solutions targeting SME challenges for integration into BBHub, and POS system supplier BOXS has garnered support from the General Chamber of Commerce of the Republic of China, leading to a collaboration with the award-winning Taiwanese company, Turn Cloud Technology Service INC., Ltd. (Taipei Exchange Code: 6870), to bring Hong Kong's original technology to Taiwan.Yu Man To Gerald Maximillian, CEO of BBMSL, commented, "The company has grown rapidly over the past three years due to the pandemic and changes in consumer spending patterns. However, seeing from the data that the food & catering and retail industries have not fully emerged from economic difficulties, we felt it necessary to join forces and increase support for SMEs. Hence, we planned BBHub and collaborated with other industry leaders to accelerate the development and recovery of SMEs through innovative technology."BBMSL also announced its comprehensive expansion plans in the Asia-Pacific region today, including major moves into Taiwan, Malaysia, Singapore, and Australia this year, and further expansion to Vietnam, Japan, and Macau in 2024. To support its overseas growth, it has released a CBS documentary and participated as a silver sponsor in the Hong Kong Fintech Week.BBMSL Limited, a Hong Kong company, established in Hong Kong in 2017, provides online and offline payment and collection services to more than 13,000 small and medium-sized enterprises in Hong Kong. The company has always been customer-centric, continues to lead the financial technology of small and medium-sized enterprises with innovation, attention to customer needs and reasonable and considerate prices, and continues to redefine payment solutions for contemporary small and medium-sized enterprises.Relevant media news:EtNetBusiness FocusYahoo FinanceSina Hong KongSecurities TimesTMCnetasiaoneFinancial Times
BBMSL很榮幸獲頒「資本卓越電子商務大獎2022/23」的「卓越流動支付品牌」，表揚我們的電子支付方案為香港電子商務作出貢獻。活動當日，BBMSL CEO余孟滔先生分享了得獎感言，BBMSL 將繼續積極拓展，提供線上線下電子支付及POS解決方案，以及全新推出嘅商戶服務生態系統「BBHub」，幫助更多商戶發展，為香港電子商務作出貢獻！請密切留意我們的社交媒體及網站更新，緊貼我們的最新資訊。BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
BBMSL 今年成為「Hong Kong Fintech Week 香港金融科技周 2023」的白銀贊助商，參與11月2日至3日舉行的展覽，展示一站式支付方案，以及商戶服務生態系統「BBHub」，同時與世界各地的傑出金融行業領袖交流，發掘合作商機。今年主題為「金融科技新定義」，BBMSL舉辦了一系列焦點活動，包括展覽、研討會及Happy Hour Networking Event 等。展覽一連兩日的展覽展示線上線下一站式支付方案，以及商戶服務生態系統「BBHub」。「BBHub」商戶服務生態系統專為香港中小企設計的新營運模式，與合作伙伴提供一站式支付以外的商戶服務，包括零售／餐飲系統、商業寬頻服務、獨立八達通機、企業身分認證服務、商戶預付錢等。通過支付終端機（俗稱「卡機」）直接讓商戶於日常生意營業額中支付其營運開支， 解決中小企緊張現金流，更靈活地運用資金，新營運模式將會讓金融支付行業更科技化。Satellite Event「BBHub - 策動金融科技合作潛能 Riding the Wave of Fintech Partnership」當日我們邀請了數十個金融科技合作單位，一同分享和交流金融科技最新發展，並正式對外發佈商戶服務生態系統「BBHub」，期望以減低中小企營運成本及解除痛點為目標，協助更多中小企數碼轉型。希望藉著此活動與各個合作夥伴建立更緊密關係，發掘更多合作契機。特別鳴謝Bowtie借出場地。研討會「The Payments Revolution: How Technology is Changing the Way We Transact」我們的 CRO Ivy Tang 亦有幸與一眾行業精英參與研討會，包括Sandip Patil（Citi, Asia Liquidity Management Head and Digital Assets Lead）、Stella Lim（Partior, Chief Operating Officer）、Stuart Smith（Visa, Global Product Head for Tokenized Deposits）及 Yvonne Yiu（HSBC, Regional Head of Global Payment Solutions）。研討會深入探討了科技如何改變社會的交易方式及其發展趨勢，以及在快速發展背後所面臨的挑戰及困難。BBMSL將繼續致力電子支付發展，透過創新科技推動中小企發展，促進金融支付行業更科技化，更數碼化。請密切留意我們的社交媒體及網站更新，緊貼我們的最新資訊。BBMSL電子支付方案📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
新店開張的商戶都會想安裝信用卡機，但市面上的資訊有限，難以作出比較，我們今次會為大家比較一下市面上的信用卡機服務：BBMSL 電子支付系統其他牌子/銀行機申請批核速度交齊文件後約7天10天至3個月手續費低至1.2%較高客戶服務每日10AM至10PM即時專人接聽每日辦公時間及電話錄音支援電子支付支援市面主流支付方式支援市面主流支付方式機型生產自家生產，確保質素部分外判生產裝機服務上門裝機，一對一教學郵寄及需要自行安裝商戶報告平台功能完善，設有網上版及手機APP版只有部分供應商提供交易速度系統穩定，快快推廣活動與AlipayHK、AMEX、BoC Pay、WeChat PayHK等提供優惠，吸引客人消費只有部分供應商提供【中小商戶優惠方案】➤ 特低手續費，低至1.2%➤ 登記手續簡單，批核速度快➤ POS系統整合，支援30種以上零售餐飲系統➤ 加快付款程序➤ 減少接觸，保持衛生➤ 完善售後服務，100%香港團隊現時申請時BBMSL信用卡機，可以享有中小商戶優惠方案，如果大家想了解更多，歡迎聯絡我們的銷售團隊查詢！BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
如今創業已經是不少人的夢想，而開鋪前期需要不少準備，包括開鋪流程、租鋪、申請商業登記等，每樣都是缺一不可。今次BBMSL 為你逐步講解創業懶人包， 為商戶開鋪創業做好準備，助你生意贏在起跑線上！ 創業懶人包 1. 租鋪流程鋪位租金大多會收取「兩按一上」或「三按一上」，即是2至3個月租金為按金，以及1個月租金為上期。另外，還要準備代理佣金、律師費、保險費、釐印費、管理處、營運開支如產品成本、水電煤費用、員工薪金、宣傳活動費用等。 創業懶人包 2. 申請商業登記及相關牌照根據《商業登記條例》(第 310 章）規定，除特別豁免者外，所有在香港經營業務的人士均須向税務局轄下的商業登記署辦理商業登記。除此之外，有些行業要按業務需要申請相關的牌照，例如餐飲業需要申請食肆牌照、小食食肆牌照、麵包餅食店牌照等； 酒吧業需要申請酒牌。 創業懶人包 3. 信用卡機電子消費大勢所趨，BBMSL 電子支付服務可支援17種支付方式，系統完善可靠。讓商戶隨時隨地根據顧客需要，提供不同的電子支付選擇，絕對是開鋪必備的信用卡機。 ➤ 17種電子支付方式，包括5種消費券官方支付工具➤ 能與POS系統整合，支援30種以上零售餐飲系統➤ 設網上／手機APP對數平台，方便埋數、查數➤ 登記手續簡單，批核速度快➤ 真人接聽客服熱線➤ 獲PCI DSS支付驗證，安全交易有保障➤ 界面簡單，操作容易，設網上教學影片，方便培訓員工 BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
「BBMSL商戶中心」 網頁版和手機APP版上線了！各大商戶現在只要一機在手，就可以隨時隨地查看交易、結算報告、幫助中心等功能，節省人力和時間，讓你生意事半功倍！ 「BBMSL商戶報告平台」優點一覽：✅ 管理各項交易 可以查詢每日的交易細項，包括：銷售額、成交單數、每項交易的詳情等。 ✅ 下載結算報告／月結單 商戶可以於後台下載CSV或PDF格式的月結報告，方便埋數對數。 ✅ 快速訂購熱敏紙 於手機應用程式內可以直接訂購熱敏紙／卷紙／單紙，只需輸入運送資料即可，毋須致電熱線訂購，方便快捷。 ✅ 設幫助中心，隨時隨地解決技術問題 通過商⼾報告平台，商戶可以隨時隨地登入帳戶查看交易記錄並下載報告，實時洞察業務趨勢，從此對賬核數更方便！ 立即下載及安裝「BBMSL 商戶中心」應用程式：Android下載：https://bit.ly/BBMSL-android iOS下載：https://bit.ly/BBMSL-iOS 網頁版傳送門：https://merchant.bbmsl.com/user/login 如果大家知道更多有關BBMSL 商戶中心的介紹，歡迎參考教學影片：商戶報告平台 - 快速入門 | BBMSL電子支付服務了解更多。 如非BBMSL商戶，歡迎聯絡我們的銷售團隊查詢！ BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
政府消費券2023將於今年4月派發，各行各業商戶的信用卡機都必須做好準備，才能把握電子消費熱潮。BBMSL為你介紹今次消費券的派發詳情，帶你捉緊消費券機遇！ 電子消費券發放時間今次政府派發的消費券金額5,000港元，比去年的1萬元少。消費券會分兩期發放，首期$3,000元，第二期$2,000元。第一期消費券$3,000元將於今年4月派發，第二期2,000元消費券將於今年年中派發，而新合資格人士的消費券則會在今年年中派發。詳情有待政府公布。 消費券使用期限詳情有待政府公布。 消費券有哪些電子支付工具？政府目前未公布詳情，但參考上次派發消費券方式，可使用八達通（Octopus）、支付寶香港（AlipayHK）、微信支付香港（WeChat Pay HK）、拍住賞Tap & Go、BoC Pay及PayMe from HSBC。 消費券領取方法參考上次派發方法，使用支付寶香港、Tap & Go「拍住賞」、WeChat Pay HK、BoC Pay及PayMe from HSBC收取消費券的市民，可直接收取消費券，而透過八達通收取消費券的市民，可透過到公共交通費用補貼領取站、指定便利店和超級市場、八達通服務站或透過八達通手機應用程式拍卡領取消費券。 商戶如何把握消費券機遇？BBMSL 信用卡機能夠為各行各業的中小企提供一系列的服務，立即申請裝機，帶動你的生意額吧！➤ 17種電子支付方式，包括5種消費券官方支付工具➤ 能與POS系統整合，支援30種以上零售餐飲系統➤ 設網上／手機APP對數平台，方便埋數、查數➤ 登記手續簡單，批核速度快➤ 真人接聽客服熱線➤ 獲PCI DSS支付驗證，安全交易有保障➤ 界面簡單，操作容易，設網上教學影片，方便培訓員工 BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com
After the vouchers were issued, many people chose to pay with e-wallets. I believe it will definitely become a major trend in Hong Kong's future consumption! I have been receiving many calls from merchants asking: "Why is it slower to receive Octopus at the integrated cash register than at the traditional stand-alone Octopus machine? Aren't they the same?" In fact, the two modes of operation are completely different, and I will explain to you today Check out their differences! Generally, the Octopus machines (blue and white card readers) we see in buses/bakery chains are traditional card readers, which operate offline. Because they don’t need to rely on network speed, the transaction time is relatively fast, and the payment is instant; the disadvantage is that the machine It has a large body, takes up a lot of space, and needs to connect wires at the same time, which is inconvenient for merchants with small cash registers. The Octopus service in the integrated electronic cash register, like other credit card payment methods, needs to be connected to the Internet to conduct transactions (the transaction time takes about 1 to 2 seconds), so the store's network speed is the key factor for the transaction speed, the principle Just like browsing a website on a mobile phone, if the network speed is fast, the Internet will be faster; if the network speed is slow, it will take more time to load the website. Remember that after tapping the card, the transaction will be considered successful only after the “beep” sound. It is also recommended that you install the Internet speed test application on your mobile phone to monitor whether the network speed is normal. In Hong Kong, there are more and more devices at the cash register, such as sales systems, credit card machines, takeaway services, gift points exchange, barcode scanners, etc. The space at the cash register is getting smaller and smaller, so the integrated electronic cash register has always been Popular with small and medium businesses. A small body can support more than 17 electronic payment methods, saving space and convenience! If you have any questions, please contact customer service
後疫情時代，電子支付成為大家最常用的支付方式，以下將為各行各業的商戶逐步講解信用卡機的申請步驟，方便大家能夠輕鬆快捷申請信用卡機！ 電子支付攻略1. 為什麼你需要信用卡機？「無現金」消費模式主流下，電子支付已經成為中小企營運的基本要素，商戶需要一個安全、快捷，容易操作的收款系統，迎合消費者需要，而信用卡機就是最好的選擇！ BBMSL 信用卡機的優點： ➤ 17種電子支付方式，包括5種消費券官方支付工具➤ 能與POS系統整合，支援30種以上零售餐飲系統➤ 設網上／手機APP對數平台，方便埋數、查數➤ 登記手續簡單，批核速度快➤ 真人接聽客服熱線➤ 獲PCI DSS支付驗證，安全交易有保障➤ 界面簡單，操作容易，設網上教學影片，方便培訓員工 電子支付攻略2. 申請信用卡機的費用一般而言，申請信用卡機需要繳交年費、月費、租機費及安裝費。而申請BBMSL 信用卡機可享有特低交易費率，全面支援中小企商戶。 電子支付攻略3. 如何申請信用卡機心想不如行動，立即聯絡我們了解詳情，我們的專業團隊將會根據客戶需要，提供電子支付解決方案！ BBMSL電子支付方案‧一機快速接通商戶所需🔗📞查詢Whatsapp：https://wa.me/85246243141📧電郵：marketing@bbmsl.com