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Cross-border e-commerce settlement currency?

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跨境电商平台主要支付结算方式:

跨境电商支付方式有两大类:网上支付(包括电子账户支付和国际信用卡支付,适合小额的跨境零售)和银行汇款模式(适合大金额的跨境交易)。

举例主流的几种线上的跨境支付方式

1. 信用卡收款

跨境电商网站可通过与Visa、MasterCard等国际信用卡组织合作,或直接与海外银行合作,开通接收海外银行信用卡支付的端口。

优点:欧美最流行的的支付方式,信用卡的用户人群非常庞大;

缺点:接入方式麻烦、需预存保证金、收费高昂、付款额度偏小。黑卡蔓延,存在拒付风险;

适用范围:从事跨境电商零售的平台和独立B2C。目前国际上五大信用卡品牌Visa,MasterCard,America Express,Jcb,Diners club,其中前两个为大家广泛使用。

2. Paypal

Paypal与支付宝较类似,在国际上知名度较高,是很多国家客户的常用付款方式。它允许在使用电子邮件来标识身份的用户之间转移资金。

优点:交易完全在线上完成。适用范围广,尤其受美国用户信赖。收付双方必须都是PayPal用户,以此形成闭环交易,风控好;

缺点:PAYPAL用户消费者(买家)利益大于PAYPAL用户卖家(商户)的利益,交易费用主要由商户提供,对买家过度保护;电汇费用,每笔交易除手续费外还需要支付交易处理费;账户容易被冻结,商家利益受损失;

适用范围:跨境电商零售行业,几十到几百美金的小额交易更划算。

费率::(ebay平台)2.9%~3.9%;(其他平台或传统外贸)3.4%~1.4%

费用:无开户费及使用费;每笔收取0.3$银行系统占用费;以美金形式提现至大陆银行每笔收取35$;以人民币形式提现至大陆银行每笔收1.2%的手续费。

对于线下的跨境支付方式主要有电汇、西联汇款和MoneyGram,香港离岸公司银行账户

四种。电汇是传统的B2B付款模式,适合大额的交易付款;西联汇款是世界上领先的特快汇款方式,可以在全球大多数国家的西联代理所在地汇出和提款;香港离岸公司银行账户则适用于传统外贸及跨境电商,适合已有一定交易规模的卖家。

此外,第三方支付也是目前使用最广泛、也是发展最兴盛的跨国电商金流处理方式,发展已久。相较于商业银行较高的费率和专业汇款公司有限覆盖网点,第三方支付平台能同时满足用户对跨境汇款便捷性和低费率的需求。付款便利,退款方便,受到越来越多的用户的青睐。

一般而言的话,中小卖家在大平台上都无需为支付方式选择纠结,大的平台都有固定的支付平台,这些支付平台都较为成熟稳定。而自建平台的卖家则要在支付平台的选择进行深入比较与选择,要做好系统搭建和优化,渠道对接和支持,建立完善的跨境收单支付服务平台和清结算平台,保障客户的安全、方便使用,企业自身保障网上交易安全,节省成本、提高效益。

Professional answer

C

电商创业观察

电商相关的教程、资讯、爆料、内幕、趣事、求助...

Main payment settlement methods for cross-border e-commerce platforms:

There are two major types of cross-border e-commerce payment methods: online payment (including electronic account payment and international credit card payment, suitable for small cross-border retail) and bank remittance mode (suitable for large cross-border transactions).

Examples of several mainstream online cross-border payment methods

1. Credit card collection

Cross-border e-commerce websites can open ports for receiving overseas bank credit card payments by cooperating with international credit card organizations such as Visa and MasterCard, or directly cooperating with overseas banks.

Advantages: The most popular payment method in Europe and the United States, with a very large number of credit card users;

Disadvantages: Troublesome access methods, need to deposit a deposit in advance, high fees, and small payment limits. Black cards are spreading, and there is a risk of rejection;

Scope of application: Platforms engaged in cross-border e-commerce retail and independent B2C. Currently, the five major credit card brands in the world are Visa, MasterCard, America Express, Jcb, and Diners Club, of which the first two are widely used.

2. Paypal

Paypal is similar to Alipay and is well-known internationally. It is a common payment method for customers in many countries. It allows funds to be transferred between users who use email to identify themselves.

Advantages: Transactions are completed entirely online. It has a wide range of applications and is especially trusted by American users. Both the payee and the payee must be PayPal users, thus forming a closed-loop transaction with good risk control;

Disadvantages: The interests of PAYPAL user consumers (buyers) are greater than the interests of PAYPAL user sellers (merchants). Transaction fees are mainly provided by merchants, which overprotects buyers; wire transfer fees, each transaction needs to pay a transaction processing fee in addition to the handling fee; accounts are easily frozen, and merchants suffer losses;

Scope of application: cross-border e-commerce retail industry, small transactions of tens to hundreds of dollars are more cost-effective.

Rates: (eBay platform) 2.9%~3.9%; (other platforms or traditional foreign trade) 3.4%~1.4%

Fees: No account opening fee and usage fee; 0.3$ bank system occupation fee for each transaction; 35$ for each withdrawal in US dollars to mainland banks; 1.2% handling fee for each withdrawal in RMB to mainland banks.

For offline cross-border payment methods, there are mainly four types: wire transfer, Western Union and MoneyGram, and Hong Kong offshore company bank accounts. Wire transfer is a traditional B2B payment mode, suitable for large-scale transaction payments; Western Union is the world's leading express remittance method, which can be remitted and withdrawn at the Western Union agent locations in most countries around the world; Hong Kong offshore company bank accounts are suitable for traditional foreign trade and cross-border e-commerce, suitable for sellers with a certain transaction scale.

In addition, third-party payment is also the most widely used and most prosperous cross-border e-commerce money flow processing method, which has been developed for a long time. Compared with the higher fees of commercial banks and the limited coverage of professional remittance companies, third-party payment platforms can simultaneously meet users' needs for convenient cross-border remittances and low fees. Convenient payment and refund are favored by more and more users.

Generally speaking, small and medium-sized sellers do not need to worry about the choice of payment methods on large platforms. Large platforms have fixed payment platforms, which are relatively mature and stable. Sellers who build their own platforms must make in-depth comparisons and choices of payment platforms, build and optimize systems, connect channels and support them, and establish a complete cross-border acquiring payment service platform and clearing and settlement platform to ensure customer safety and convenience, and the company itself ensures the safety of online transactions, saves costs and improves efficiency.

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