脸书公司（Facebook）旗下的即时通讯服务WhatsApp周一在巴西各地推出了一个系统，该系统将允许用户在聊天中像发送照片或视频一样向个人或当地企业汇款。

去年，因用户隐私泄露等一系列丑闻，脸书不断遭到群众的抨击，公司信誉严重受损。

于是，扎克伯格宣布，Facebook计划转型为专注隐私的平台。扎克伯格在他的一篇博客文章中说，Facebook将向人们提供更多方式，让他们在信息传送的基础上进行互动，“包括电话、视频聊天、群组、故事、企业、支付、商业，最终还将成为许多其他私人服务的平台。”

扎克伯格宣布后，《纽约时报》、《华尔街日报》等多家媒体纷纷表示，扎克伯格所描述的愿景，早已由中国腾讯公司的社交软件“微信”（WeChat）实现了。

扎克伯格本人也没有否认。去年3月，他曾对科技媒体（The Information）创始人杰西卡·莱辛(Jessica Lessin)在2015年3月发表的文章《Facebook应该向微信学习什么》做出回应：“要是四年前听你的就好了。”

Facebook Chief Executive Mark Zuckerberg said in April that the company was expanding tools for businesses in WhatsApp.

In March last year, Zuckerberg responded to Jessica Lessin, founder of tech media The Information, highlighting a March 2015 article she wrote that suggested Facebook should learn from WeChat: “If only I’d listened to your advice four years ago.”

这就意味着，脸书未来会借鉴微信的模式。然而，这一天真的到来了！

据聚焦信息技术公司报道的新闻网站TechCrunch消息所知，经过几个月的讨论和测试，WhatsApp终于上线了支付服务Facebook Pay。

6月15日，WhatsApp宣布上线支付服务，巴西用户将能够首先体验Facebook Pay。WhatsApp在其博客文章中表示，该支付服务对消费者免费，不收取任何佣金，但企业用户需要支付3.99%的手续费来使用收付款服务。

目前，WhatsApp账户可绑定Visa、MasterCard信用卡或借记卡等，支持6位数密码或指纹完成支付。

The system will use Facebook Pay and be free to individual users, while charging businesses a fee for receiving payments.

Facebook's WhatsApp messaging service rolled out a system across Brazil on Monday that will allow users to send money to individuals or local businesses within a chat, attaching payments as they would a photo or video.

WhatsApp

WhatsApp正在与巴西最大的信用卡和借记卡运营商Cielo合作处理付款事项。这一消息使得Cielo的股价当天飙升30%，而由于担心新冠病毒会出现第二波疫情，包括巴西在内的全球股市都出现了红色。

WhatsApp支付系统在巴西将是首次在全国范围内推出，并将直接引入支付功能。其实，WhatsApp上线支付服务多次被延迟。数月以来，WhatsApp一直在印度市场测试其支付服务，但首先上线的却是巴西。

WhatsApp在印度市场测试的支付服务并不是Facebook Pay，而是另一套系统WhatsApp Pay。早在2018年2月，WhatsApp Pay已经开始了100万用户的测试，时间过去了两年，但该服务仍然搁浅。

WhatsApp支付服务最终在巴西市场上线而不是在印度市场上线，是因为巴西是仅次于印度的第二大市场并且拥有超过1.2亿月活跃用户。

WhatsApp is working with Cielo, Brazil's largest credit and debit card operator, to process the payments. The news sent Cielo's shares soaring 30 percent on a day when stocks worldwide, including in Brazil, were in red due to fears of a second wave of COVID-19.

WhatsApp tested the system in India beginning in 2018. The Brazil launch will be the first nationwide roll-out and will introduce the ability to directly pay a business.

The company has over 120 million individual users in Brazil, its second-largest market behind India.

Matt Idema

WhatsApp首席运营官马特•艾德马(Matt Idema)在谈到巴西时表示，“无论是个人还是小型企业， WhatsApp在巴西都被大量使用。我们认为，我们可以帮助巴西发展数字支付，帮助巴西小型企业发展数字经济，并支持普惠金融。”

艾德马举例表示，巴西许多小企业已经把WhatsApp作为一种营销工具来回答问题或发送目录。

他还表示，“如果你需要借钱给某人，或者你想从当地商家那里买东西，在疫情期间我们之间无法像往常那样进行互动。” WhatsApp支付服务在很大程度上有助于那些在新冠病毒大流行期间居家隔离的用户们。

"WhatsApp is heavily used there, both by people and small businesses," Matt Idema, chief operating officer of WhatsApp, said of Brazil. "We think we can help grow digital payments, help grow the digital economy with small businesses, and help support financial inclusion."

Many of Brazil's small businesses already use WhatsApp as a marketing tool to answer questions or send catalogs, Idema said.

The roll-out in Brazil was long planned, but may help users who are shut in during the coronavirus pandemic, Idema said.

"We can't have the kind of interactions with each other that we normally would, if you want to lend someone cash or if you want to buy something from a local business," he said.