Facebook Pay是 Facebook 致力于让在线(money online)转账更轻松、更安全的举措。您可以将其用作汇款应用程序与朋友分摊账单或用作在线订购商品的服务。
Facebook于 2019年11 月 12(November 12)日推出了Facebook Pay 。从那时起， (Facebook Pay)Facebook 和 Messenger(Facebook and Messenger)上就有一个支付平台(payment platform)，但直到现在Facebook才宣布计划将其引入他们的其他应用程序和网站(apps and websites)——WhatsApp 和 Instagram(– WhatsApp and Instagram)。
Facebook Pay的新理念与Facebook允许在线支付的旧方式相比，您可以在他们的所有应用程序中使用这种支付方式。(payment method)注册并选择付款方式(payment method)后，您可以轻松地从他们的任何应用程序中购买东西并与收件人进行兑换。(exchange money)
Facebook 支付在哪里运作(Where Facebook Pay Works)
Facebook Pay目前在Facebook 和 Messenger(Facebook and Messenger)上运行，但它也将在Instagram 和 WhatsApp 上(Instagram and WhatsApp)运行。它适用于所有平台，因此您可以通过这些网站或移动应用程序使用它。
目前只有美国用户可以使用Facebook Pay，但Facebook计划最终将其推广到其他国家。
Facebook 支付的用途(What Facebook Pay Is For)
Facebook Pay有两个用途，具体取决于您使用它的位置——向人们付款和在线购物。
以下是您可以通过Facebook的每个应用程序使用Facebook Pay执行的操作（最终，一旦实施）：(Facebook Pay)
- Facebook ：从(Facebook)Facebook Marketplace购买东西，向您支持的筹款活动捐款，并购买游戏和活动门票。
- Messenger ：通过(Messenger)手机或电脑(phone or computer)向朋友和家人付款。
- Instagram：从您关注的品牌中捐赠和订购商品。(Donate and order things)
- WhatsApp：就像在Messenger中一样发送和接收资金。
如何使用 Facebook 支付(How To Use Facebook Pay)
开始使用Facebook Pay的最简单方法是尝试向某人汇款。
- 与您想向其汇款或向其索款的人展开对话。
- 点击文本字段左侧的四点菜单。如果您的键盘打开，它可能是一个箭头。此按钮是计算机上的加号。
- 选择付费好友(Pay Friend)。如果您使用的是网站的桌面版本，请单击金钱图标。(money icon)
- 输入(Enter)金额和可选备注，然后选择REQUEST或PAY。
- 添加您的付款信息(payment information)；您可以选择ADD DEBIT CARD或ADD PAYPAL。桌面用户必须在此屏幕上使用借记卡。(debit card)
- 选择付款方式(payment method)后，您已将其添加到您的帐户。
- 选择PAY或REQUEST以完成交易。如果您选择了PayPal，您可以选择从您的帐户中选择要使用的付款方式。(payment method)您还可以查看哪些方法收费，哪些是免费的。
- 要返回可以添加付款方式的屏幕，请在(payment method)Messenger中打开菜单并选择付款。(Payments.)
- 然后添加新的借记卡或 PayPal(Add new debit card or PayPal)。
- 如果您在计算机上使用Messenger，请打开菜单，前往“设置”(Settings)，然后从“付款(Payments)”部分选择“在 Facebook 上管理” 。(Manage on Facebook)
访问Facebook Pay设置的另一种方法是从Facebook 网站(Facebook website)。
- 打开您的Facebook 设置(Facebook settings)并从左侧选择付款(Payments)，然后在顶部选择帐户设置。(Account Settings)
- 要查看您的所有Facebook Pay交易，请打开 Facebook 设置的付款历史(Payment History)页面，或前往此处(or go here)。
Facebook 支付与贝宝(Facebook Pay vs PayPal)
您应该使用Facebook Pay 还是 PayPal(Facebook Pay or PayPal)？对于大多数交易来说，这两种选择都是现成且免费的，这似乎是一个艰难的决定。但是，PayPal 和 Facebook Pay(PayPal and Facebook Pay)（目前）在功能方面存在很大差异。
以下是PayPal与Facebook Pay的快速对比：
- PayPal 适用于更多商店
- Facebook Pay 更易于设置
- PayPal 可在更多国家/地区使用
- Facebook Pay 不收取任何费用
- PayPal(PayPal doesn)不需要Facebook 帐户(Facebook account)
Facebook Pay非常适合向朋友和家人汇款。您只需要一个借记卡号码(card number)，就可以通过任何对话轻松付款。在目前的形式下，Facebook (just)Pay(Facebook Pay)只是一个点对点支付平台(payment platform)。你实际上不能用它买任何东西。
这就是贝宝(PayPal)与众不同的地方。您可能已经知道，许多在线商店甚至实体店都允许您使用PayPal 付款(PayPal)。您的所有付款信息(payment information)都存储在您的账户中，您只需使用您的PayPal 账户(PayPal account)结账即可安全快速地购买商品。
另一个真正仅在短时间内相关的区别是Facebook Pay要求您拥有Facebook 帐户(Facebook account)。这是因为您必须通过Facebook 或 Messenger(Facebook or Messenger)设置您的帐户。但是，一旦Facebook向WhatsApp 和 Instagram 用户(WhatsApp and Instagram users)提供Facebook Pay，您就可以在没有Facebook 帐户(Facebook account)的情况下使用该服务。
如果您没有Facebook 帐户(Facebook account)或不喜欢使用它，您唯一的选择（在这两个支付平台之间）是PayPal。
Facebook Pay 和 PayPal(Facebook Pay and PayPal)之间的另一个区别是，目前使用前者的费用为零。另一方面，贝宝在某些交易中(PayPal)占一定比例(takes a certain percentage)。
PayPal的优势还在于您可以在more than 200 countries/regions使用它，并以(exchange money)两种以上的货币兑换货币。Facebook Pay仅适用于美元(US dollar)，并且仅在美国可用（尽管它们将来会扩展）。
话虽如此，PayPal没有Facebook Pay所拥有的超快速设置。如果您的朋友没有(friend doesn)Facebook Pay(Facebook Pay)，但您想向他们汇款或收款，他们可以在一两分钟内从他们的帐户启用付款；PayPal的设置过程(procedure isn)并没有那么快。
What Is Facebook Pay and How to Use It
Facebook Pay is Facebook’s effort to make moving money online easier and more secure. You can use it as a money sending app to split a bill with friends or as a service to order things online.
Facebook introduced Facebook Pay on November 12, 2019. There has been a payment platform on Facebook and Messenger since before then, but it’s only now that Facebook has announced plans to bring it to their other apps and websites – WhatsApp and Instagram.
The new idea with Facebook Pay versus the old way Facebook has allowed online payments, is that you can have the payment method be used across all their apps. After signing up and choosing a payment method, you can easily buy things and exchange money with recipients from any of their apps.
Where Facebook Pay Works
Facebook Pay currently runs on Facebook and Messenger, but it’s also coming to Instagram and WhatsApp. It works across all platforms, so you can use it through those websites or through the mobile apps.
Only users in the US can use Facebook Pay at this time, but Facebook is planning on rolling it out to other countries eventually.
What Facebook Pay Is For
Facebook Pay serves two purposes depending on where you’re using it – to pay people and to buy things online.
Here’s what you can do (eventually, once implemented) with Facebook Pay from each of Facebook’s apps:
- Facebook: Buy things from Facebook Marketplace, donate to fundraisers you support, and buy games and event tickets.
- Messenger: Pay friends and family from your phone or computer.
- Instagram: Donate and order things from brands you follow.
- WhatsApp: Send and receive money just like in Messenger.
How To Use Facebook Pay
The easiest way to start using Facebook Pay is to attempt to send money to someone.
- Open a conversation with the person you want to send money to or request money from.
- Tap the four-dotted menu to the left of the text field. It might be an arrow if your keyboard is open. This button is a plus sign on computers.
- Choose Pay Friend. Click the money icon if you’re using the desktop version of the site.
- Enter an amount and an optional note, and then choose either REQUEST or PAY.
- Add your payment information; you can pick ADD DEBIT CARD or ADD PAYPAL. Desktop users have to use a debit card at this screen.
- Select the payment method now that you’ve added it to your account.
- Choose PAY or REQUEST to complete the transaction. If you selected PayPal, you’ll have an option to pick which payment method from your account that you want to use. You can also see which methods charge a fee and which are free.
- To get back to the screen where you can add a payment method, open the menu in Messenger and choose Payments.
- Then Add new debit card or PayPal.
- If you’re using Messenger on a computer, open the menu, go to Settings, and then select Manage on Facebook from the Payments section.
Another way to access the Facebook Pay settings is from the Facebook website.
- Open your Facebook settings and choose Payments from the left side, and then Account Settings at the top.
- To see all your Facebook Pay transactions, open the Payment History page of your Facebook settings, or go here.
Facebook Pay vs PayPal
Should you use Facebook Pay or PayPal? With both options readily available and free for most transactions, it might seem like a tough decision. However, PayPal and Facebook Pay are (currently) vastly different in terms of functionality.
Here’s a quick look at PayPal vs Facebook Pay:
- PayPal works at more stores
- Facebook Pay is easier to set up
- PayPal works in more countries
- Facebook Pay doesn’t charge fees
- PayPal doesn’t require a Facebook account
Facebook Pay is great for sending money to friends and family. All you need is a debit card number, and you can make payments really easily from any conversation. In its current form, Facebook Pay is just a peer-to-peer payment platform. You can’t actually buy anything with it.
This is where PayPal is different. As you might already know, lots of online stores and even physical stores let you pay with PayPal. All your payment information is stored in your account, and you can just check out with your PayPal account to securely and quickly buy things.
Another difference that’s really only relevant for a short time is that Facebook Pay requires you to have a Facebook account. This is because you have to set up your account through Facebook or Messenger. However, once Facebook makes Facebook Pay available to WhatsApp and Instagram users, you’ll be able to use the service without ever having a Facebook account.
If you don’t have a Facebook account or you don’t like to use it, your only option (between these two payment platforms) is PayPal.
Another difference between Facebook Pay and PayPal is that there currently are zero fees to use the former. PayPal, on the other hand, takes a certain percentage of some transactions.
PayPal also has the upper hand in that you can use it in more than 200 countries/regions, and exchange money in over two-dozen currencies. Facebook Pay only works with the US dollar, and is only available in the US (though they will expand in the future).
With that being said, PayPal doesn’t have the ultra-quick setup that Facebook Pay has. If your friend doesn’t have Facebook Pay but you want to send or request money from them, they can enable payments from their account in just a minute or two; PayPal’s setup procedure isn’t that fast.
