payment-help

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

台灣金流選擇與推薦

Taiwan Payment Gateway Selection and Recommendations

你的任務是幫助用戶選擇最適合的台灣第三方支付金流服務。

Your task is to help users select the most suitable third-party payment gateway service in Taiwan.

了解用戶需求

Understand User Requirements

用戶輸入:

$ARGUMENTS

根據用戶輸入分析需求，若無明確指定則詢問以下問題：

業務類型：你的業務類型是什麼？
- 一般電商（實體商品）
- 數位商品/服務
- SaaS 訂閱制
- 實體店面 + 線上
- 其他
預計月交易量：
- < 100 筆
- 100-1,000 筆
- 1,000-10,000 筆
- 10,000 筆
需要的功能（可複選）：
- 信用卡支付
- LINE Pay
- Apple Pay / Google Pay
- ATM 轉帳
- 超商代碼/條碼
- 電子發票
- 定期定額扣款

User Input:

$ARGUMENTS

Analyze requirements based on user input. If no clear specifications are provided, ask the following questions:

Business Type: What is your business type?
- General e-commerce (physical goods)
- Digital goods/services
- SaaS subscription
- Physical store + online
- Other
Estimated Monthly Transaction Volume:
- < 100 transactions
- 100-1,000 transactions
- 1,000-10,000 transactions
- 10,000 transactions
Required Features (Multiple selections allowed):
- Credit card payment
- LINE Pay
- Apple Pay / Google Pay
- ATM transfer
- Convenience store code/barcode
- E-invoicing
- Recurring payment

金流比較分析

Payment Gateway Comparison Analysis

功能特色	NewebPay 藍新	ECPay 綠界	PAYUNi 統一
市場定位	中大型電商	台灣最大	統一集團
信用卡	✅	✅	✅
LINE Pay	✅	✅	✅
Apple Pay	✅	✅	✅
Google Pay	✅	✅	✅
ATM 轉帳	✅	✅	✅
超商代碼	✅	✅	✅
電子發票	❌	✅ 內建	❌
定期定額	✅	✅	✅
API 文件	⭐⭐⭐⭐	⭐⭐⭐	⭐⭐⭐
系統穩定性	⭐⭐⭐⭐⭐	⭐⭐⭐⭐	⭐⭐⭐⭐

Feature	NewebPay	ECPay	PAYUNi
Market Positioning	Mid-to-large e-commerce	Largest in Taiwan	Uni-President Group
Credit Card	✅	✅	✅
LINE Pay	✅	✅	✅
Apple Pay	✅	✅	✅
Google Pay	✅	✅	✅
ATM Transfer	✅	✅	✅
Convenience Store Code	✅	✅	✅
E-invoicing	❌	✅ Built-in	❌
Recurring Payment	✅	✅	✅
API Documentation	⭐⭐⭐⭐	⭐⭐⭐	⭐⭐⭐
System Stability	⭐⭐⭐⭐⭐	⭐⭐⭐⭐	⭐⭐⭐⭐

Recommendation Decision Tree

需要電子發票？
├─ 是 → 推薦 ECPay（內建發票功能）
└─ 否
   ├─ 高流量/穩定性優先？
   │  ├─ 是 → 推薦 NewebPay
   │  └─ 否
   │     ├─ 統一集團相關？
   │     │  ├─ 是 → 推薦 PAYUNi
   │     │  └─ 否 → 三者皆可
   └─ 快速上線？
      └─ 三者整合難度相近

Need e-invoicing?
├─ Yes → Recommend ECPay (Built-in invoicing function)
└─ No
   ├─ High traffic / Priority on stability?
   │  ├─ Yes → Recommend NewebPay
   │  └─ No
   │     ├─ Related to Uni-President Group?
   │     │  ├─ Yes → Recommend PAYUNi
   │     │  └─ No → Any of the three is acceptable
   └─ Quick launch?
      └─ Integration difficulty is similar across all three

情境推薦

Scenario-Based Recommendations

需要電子發票

Need e-invoicing

推薦: ECPay

金流 + 發票一站整合
減少開發工作量
使用
```
/ecpay
```
開始

Recommendation: ECPay

One-stop integration of payment gateway + invoicing
Reduce development workload
Start with
```
/ecpay
```

高流量電商 / 穩定性優先

High-traffic E-commerce / Priority on Stability

推薦: NewebPay

系統穩定性高
API 文件完整
使用
```
/newebpay
```
開始

Recommendation: NewebPay

High system stability
Complete API documentation
Start with
```
/newebpay
```

統一集團相關業務

Business Related to Uni-President Group

推薦: PAYUNi

統一企業體系
與 7-11 系統整合佳
使用
```
/payuni
```
開始

Recommendation: PAYUNi

Part of Uni-President Enterprise ecosystem
Excellent integration with 7-11 systems
Start with
```
/payuni
```

快速上線 / 一般需求

Quick Launch / General Requirements

任一皆可

整合難度相近
建議從 NewebPay 開始（文件最完整）

Any of the three is acceptable

Similar integration difficulty
Recommend starting with NewebPay (most complete documentation)

可用的 Skills

Available Skills

NewebPay (藍新金流)

NewebPay

Skill	功能
`/newebpay`	環境設定與總覽
`/newebpay-checkout`	MPG 支付串接
`/newebpay-query`	交易查詢
`/newebpay-refund`	退款處理

Skill	Function
`/newebpay`	Environment Setup and Overview
`/newebpay-checkout`	MPG Payment Integration
`/newebpay-query`	Transaction Query
`/newebpay-refund`	Refund Processing

ECPay (綠界科技)

ECPay

Skill	功能
`/ecpay`	串接指南

Skill	Function
`/ecpay`	Integration Guide

PAYUNi (統一金流)

PAYUNi

Skill	功能
`/payuni`	串接指南

Skill	Function
`/payuni`	Integration Guide