像当地人一样支付
By: Gerum Haile, Bo Shi, Yujia Liu, Yanwei Bai, Bo Yuan, Rory MacQueen, Yixia Mao
作者： Gerum Haile, Bo Shi, Yujia Liu, Yanwei Bai, Bo Yuan, Rory MacQueen, Yixia Mao
Across the more than 220 global markets that Airbnb operates in, cards are the primary way that guests pay for stays, experiences, and services. However, to help make our platform accessible to more people, reduce friction at checkout, and drive more adoption, we introduced trusted, locally preferred payment methods — called local payment methods or LPMs. By offering and supporting these payment methods, Airbnb enables guests everywhere to choose what works best for them.
在 Airbnb 运营的220多个全球市场中，信用卡是客人支付住宿、体验和服务的主要方式。然而，为了帮助更多人使用我们的平台，减少结账时的摩擦，并推动更多的采用，我们引入了受信任的、本地优选的支付方式 — 称为本地支付方式或 LPMs。通过提供和支持这些支付方式，Airbnb 使得全球的客人能够选择最适合他们的支付方式。
In this blog post, we’ll discuss the implementation details behind our Pay as a Local initiative, which allowed us to launch 20+ local payment methods across multiple markets in just over one year.
在这篇博客文章中，我们将讨论我们“作为本地支付”的实施细节，这使我们能够在一年多的时间内在多个市场推出20多种本地支付方式。
LPMs: What they are, why they matter, and our discovery and selection process
LPM：它们是什么，为什么重要，以及我们的发现和选择过程
Local payment methods go beyond traditional cards and include:
本地支付方式超越了传统卡片，包括：
- Country or region-specific digital wallets (such as M-Pesa or MTN, MoMo)
- 特定国家或地区的数字钱包（如 M-Pesa 或 MTN、MoMo）
- Online bank transfers (such as Online Banking Czech, Online Banking Slovakia)
- 在线银行转账（如在线银行捷克，在线银行斯洛伐克）
- Real-time or instant bank payments (such as PIX, UPI)
- 实时或即时银行支付（如 PIX，UPI）
- Local payment schemes (such as EFTPOS, Cartes Bancaires)
- 本地支付方案（如EFTPOS，Cartes Bancaires）
By embracing LPMs, Airbnb helps make travel more inclusive and seamless for people around the world. LPMs help the platform to:
通过拥抱LPM，Airbnb帮助使全球人们的旅行更加包容和无缝。LPM帮助平台：
- Boost conversion and bookings by offering guests familiar, trusted payment options.
- 通过提供客人熟悉、可信的支付选项来提升转化率和预订量。
- Unlock new markets where credit card usage is low or non-existent.
- 解锁新市场，在这些市场中信用卡使用率低或不存在。
- Build accessibility for guests without credit cards or...