????但PayPal Here僅僅是該公司正在成形的一項(xiàng)雄心勃勃的戰(zhàn)略的一部分而已,。過(guò)去2個(gè)月中,，貝寶公司向近2千家家得寶連鎖店（Home Depot）推廣了其支付技術(shù)，以替代信用卡,。該公司與POS終端制造商安智公司（Ingenico）和AJB軟件設(shè)計(jì)公司（AJB Software Designs）聯(lián)手研發(fā)了一種店內(nèi)支付系統(tǒng),，它可以迅速地推廣到其他大型連鎖店。

????現(xiàn)在就說(shuō)PayPal Here將不再只是把錢(qián)包忘在家中的人用來(lái)完成支付的一種方式還為時(shí)尚早,。貝寶公司預(yù)計(jì)將在2012年處理的70億美元在線支付款項(xiàng)并不包括此類(lèi)在銷(xiāo)售現(xiàn)場(chǎng)完成的交易,。貝寶向商家收取2.7%的交易費(fèi)（與Square公司的2.75%大致相當(dāng)），倘若它的收費(fèi)比信用卡交易費(fèi)更便宜,，商家們或許會(huì)有更大的動(dòng)力來(lái)采用PayPal在線支付服務(wù),。

????雖然智能手機(jī)是實(shí)現(xiàn)在線支付的重要途徑，但貝寶的野心遠(yuǎn)不止于此,。除了無(wú)所不在的實(shí)體收銀機(jī)終端以外,，貝寶還在提供一種可以在個(gè)人電腦上完成支付的方案。此外,，易趣也勢(shì)必會(huì)進(jìn)行深度整合,，把貝寶糅合到該公司于去年秋天推出、面向線上和線下零售商的商務(wù)平臺(tái)X.Commerce之中,。

????貝寶的戰(zhàn)略正逐漸變得清晰可見(jiàn),。很顯然，該公司的思路非常開(kāi)闊,。它計(jì)劃將服務(wù)推向盡可能多的商業(yè)場(chǎng)所,，同時(shí)設(shè)計(jì)出一款對(duì)商家和消費(fèi)者都具有吸引力的界面。貝寶公司傳訊主管阿努吉?納亞爾稱(chēng),，從本月開(kāi)始，該公司將推出更多的變化，“開(kāi)始從根本上改變消費(fèi)者對(duì)貝寶的認(rèn)識(shí),?！?/p>

????到目前為止，這項(xiàng)服務(wù)對(duì)許多貝寶用戶(hù)而言?xún)H僅是多種在線支付方式中的一種而已,，而大多數(shù)在線支付方式都經(jīng)常被視為信用卡的替代品,。經(jīng)過(guò)了數(shù)年的悉心規(guī)劃之后，貝寶或許終于開(kāi)始悄悄地潛入我們的錢(qián)包,，如昔日的現(xiàn)鈔一樣,，成為我們?nèi)粘Ｉ铐汈Р豢呻x身的尋常之物。今年接下來(lái)的時(shí)間里,，我們應(yīng)該可以看到貝寶是否能夠兌現(xiàn)它的這份承諾,。

????譯者：任文科

????But PayPal Here is just one part of what the company is planning in what is shaping up to be an ambitious strategy. Over the past two months, PayPal has rolled out its payment technology to nearly 2,000 Home Depot stores as an alternative to credit cards. It's partnered with Ingenico and AJB Software Designs to create an in-store payment system that can be quickly rolled out to other large chains.

????It's too early to tell if PayPal Here will become more than a payment method for people who left their wallets at home. The company's $7 billion estimate for 2012 mobile payments doesn't include such point-of-sale transactions. PayPal charges merchants a 2.7% transaction fee, which is roughly equal to Square's 2.75% and may offer merchants an incentive to push for PayPal if it's cheaper than credit card transactions.

????But as important as smartphones may become in handling payments, PayPal is aiming well beyond them, offering a method of payment on PCs as well as the ubiquitous point-of-service terminals at brick-and-mortar cash registers. Ebay is also sure to integrate PayPal deeply into its X.Commerce initiative, a commerce platform announced last fall for online as well as offline retailers.

????As PayPal's strategy comes slowly into focus, it's clear the company is thinking broadly – positioning its service in as many commercial venues as possible – and designing an interface that appeals to merchants and consumers alike. Anuj Nayar, PayPal's director of communications, says the company will roll out even more changes starting this month that "marks the beginning of fundamental change in what PayPal means to customers."

????Until now, for many PayPal customers, the service has simply been one of multiple ways to pay online, most often seen as an alternative to credit cards. After years of planning, the company may finally be worming its way into our wallets, becoming as commonplace as cash once was. The rest of this year should show whether PayPal can deliver on that promise.