一文认识独立站收单+结汇全流程！
<img src="https://mmbiz.qpic.cn/mmbiz_png/Ljib4So7yuWjEyBJrx24mg1U5yD1fkWZdibkwIomENVAHwGkk49Plmkdgz2oEj1oGVsiafpvEPHQM6jAic7DAD3YIg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Ljib4So7yuWjEyBJrx24mg1U5yD1fkWZdrJbw6AP1k4Y5kdcSdoJthYFibHenBwvSiaOhDt0ExDtiaL4bkvLlHn3eA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">点击上方蓝字关注<span style="color: black;">咱们</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/dAXcPB74eJpsIl7tsziciaHxfj4mUAfmhSUVvr3rsm16s4Wb6ufM7Ebsp11a756iaYYJWL2y1MDsfqBW8MpCMFAXQ/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;">跨境支付（Cross-border Payment）指的是两个或两个以上国家<span style="color: black;">或</span>地区之间因国际贸易、国际投资及其他方面而产生的国际间业务，<span style="color: black;">经过</span><span style="color: black;">必定</span>的结算工具和支付系统，来实现资金的<span style="color: black;">跨境</span>和跨地区转移。</span><span style="color: black;"><span style="color: black;">针对</span>刚<span style="color: black;">起始</span>做跨境电商的卖家<span style="color: black;">来讲</span>还不明白，从支付到结汇的<span style="color: black;">全部</span>流程是<span style="color: black;">怎么样</span>的？<span style="color: black;">因此</span>，本文就跨境收单结汇全流程来进行讲解。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">1、</span> 结汇</span><span style="color: black;">流程</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">独立站款项回款的全流程基本如下：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">第1</span>步收单</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">客户付款之后，独立站会将款项转到第三方的支付平台（如PayPal）。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">第二步收款</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">便是</span>将第三方平台中的款项，提现到外币银行帐户中。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">第三步结汇</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">将自己的外币账户中的款项转换成本国货币，转回国内银行账户中。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">但<span style="color: black;">因为</span>独立站不像第三方平台<span style="color: black;">同样</span><span style="color: black;">能够</span>帮你收单，<span style="color: black;">因此</span><span style="color: black;">所有</span>流程都要自己来。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">首要</span><span style="color: black;">咱们</span>就独立站的「收单<span style="color: black;">途径</span>、<span style="color: black;">途径</span>优劣」做分析。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">1、第三方支付平台</span><span style="color: black;">Third Party Payment Platform</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如：PayPal（<span style="color: black;">亦</span>是海外主流<span style="color: black;">途径</span>）。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/aC8oY421wjibu9hn4tjtVdHfGPWdDwZ8xzfWE4nIicOibYWCMGq1h5UnjPIbBDRUr9ApTFHTcLIqk86b8UJPhoMbA/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" style="width: 50%; margin-bottom: 20px;"></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2、信用卡支付</span><span style="color: black;">Credit card payment</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如：海外的stripe等信用卡支付<span style="color: black;">公司</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">3、手动付款</span><span style="color: black;">Manual payment</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如：货到付款、银行转账。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">4、替代支付</span><span style="color: black;">Substitute payment</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如：虚拟货币</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">2、</span>收单<span style="color: black;">途径</span>分析 </span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">卖家<span style="color: black;">通常</span>都<span style="color: black;">运用</span>前两种，<span style="color: black;">因此</span><span style="color: black;">这儿</span>不谈第<span style="color: black;">3、</span>第四种方式。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">已然</span><span style="color: black;">晓得</span>了有<span style="color: black;">那些</span><span style="color: black;">途径</span>，接下来<span style="color: black;">咱们</span>就来分析一下各个<span style="color: black;">途径</span>的利<span style="color: black;">坏处</span>，<span style="color: black;">这般</span><span style="color: black;">才可</span>更好的<span style="color: black;">选取</span>适合自己的收款方式。<span style="color: black;">咱们</span><span style="color: black;">能够</span>从以下几个部分来判断：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">1、PayPal</span>注册<span style="color: black;">要求</span>：</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">最简单<span style="color: black;">亦</span>是最快捷的方式，<span style="color: black;">便是</span> Paypal，只需<span style="color: black;">供给</span>营业执照就<span style="color: black;">能够</span>注册成功，<span style="color: black;">这里</span></span><span style="color: black;"><span style="color: black;">尤其</span>提醒一下，</span><span style="color: black;"><span style="color: black;">不可</span>拿PayPal个人帐户来收款。</span><span style="color: black;">虽然注册简单，可是后面是需要<span style="color: black;">有些</span>验证<span style="color: black;">过程</span>的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">※<span style="color: black;">第1</span>次验证</span></strong></span></p><span style="color: black;">当你注册了一个<span style="color: black;">机构</span>账户，<span style="color: black;">那样</span>你的账户立刻就会被禁止转账，而 Paypal会让你提交<span style="color: black;">有些</span><span style="color: black;">关联</span>的证件<span style="color: black;">或</span>证明，<span style="color: black;">例如</span>身份证、<span style="color: black;">机构</span>信息等等，<span style="color: black;">而后</span>提交上去，你的账户就<span style="color: black;">能够</span>正常<span style="color: black;">运用</span>了。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">※第二次验证</span></strong></span></p><span style="color: black;">当您收到首笔大额交易时，将需要您再进行一次验证确认，验证的内容<span style="color: black;">包含</span>供应商的进货凭证、订单的物流跟踪码或发货凭证。</span><span style="color: black;">做自发货的卖家，自己<span style="color: black;">保存</span>好发货凭证就行了，至于无货源的话，找供应商要单据<span style="color: black;">亦</span>不是什么难事。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这两种限制都不会限制收款，只会限制提现。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">但<span style="color: black;">倘若</span>帐号争议太高<span style="color: black;">或</span>遇上了paypal的风控行动，就有可能会被永久封禁，资金还会冻结长达180天。</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">但只要不<span style="color: black;">显现</span>侵权的<span style="color: black;">或</span>发货实物与商品说明不符等的违规<span style="color: black;">行径</span>，基本上都是<span style="color: black;">能够</span><span style="color: black;">经过</span>申诉找回来的。</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2、Stripe注册<span style="color: black;">要求</span></span></strong></span></p><span style="color: black;">而 stripe则比较<span style="color: black;">繁杂</span>，<span style="color: black;">需求</span>必须是香港居民身份证，<span style="color: black;">或</span>是美国、英国和香港企业的证件，<span style="color: black;">况且</span>它绝对比shopify payment优先级更高的。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">由于</span>stripe与shopify payment的技术都是统一由stripe<span style="color: black;">供给</span>，<span style="color: black;">因此</span>在用户体验上都是<span style="color: black;">同样</span>的，客户拒付率很低。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">3、Shopify payment</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那shopify payment麻烦在哪呢？</span></p><span style="color: black;">它的登记<span style="color: black;">需求</span>是“在英国、美国<span style="color: black;">或</span>香港登记的<span style="color: black;">机构</span>，并且需要<span style="color: black;">供给</span><span style="color: black;">机构</span><span style="color: black;">位置</span>和水电费账单等信息。”<span style="color: black;">针对</span>资料的<span style="color: black;">需求</span>比前两个要<span style="color: black;">繁杂</span>得多。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">3、</span>支付费率</span></strong></span></p><span style="color: black;"><span style="color: black;">针对</span>新手<span style="color: black;">来讲</span>，都以为<span style="color: black;">创立</span>一个网站，只需要准备月租<span style="color: black;">花费</span>就够了，但<span style="color: black;">实质</span>上，在收到回款之前，还有两个巨大的成本需要支出。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">1、收单<span style="color: black;">途径</span></span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">收单<span style="color: black;">途径</span>的<span style="color: black;">花费</span>各有<span style="color: black;">区别</span>，但基本都有一个固定手续费0.3 USD</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">运用</span>PayPal收款：每笔交易额4.4%+0.3美元，提现每笔35美元</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">优点：容易申请，最常用，无开户费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点：容易冻结，非内嵌需要<span style="color: black;">转</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">运用</span>Stripe收款：每笔交易额4.4%+0.3美元，提现每笔35美元</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">优点：容易申请，最常用，无开户费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点：容易冻结，非内嵌需要<span style="color: black;">转</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">运用</span>Shopify Payments收款：每笔交易额2.4 – 2.9%+0.3美元</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">优点：<span style="color: black;">花费</span>最低，<span style="color: black;">亦</span>不需要开户费，安全性和便利性最高。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点：不支持大<span style="color: black;">机构</span><span style="color: black;">运用</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2、收款<span style="color: black;">途径</span></span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><span style="color: black;">通常</span>最<span style="color: black;">平常</span>的两个——属于阿里巴巴旗下的【万里汇】，结汇手续费0.3％；</span><span style="color: black;">而【派安盈】，结汇手续费1.2％。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">四、回款周期</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">以下表格<span style="color: black;">能够</span>清楚<span style="color: black;">晓得</span>回款的周期，比较需要<span style="color: black;">重视</span>的是，paypal本身就比较注重买家权益，<span style="color: black;">因此呢</span>在回款周期上会有部分限制。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/dAXcPB74eJpsIl7tsziciaHxfj4mUAfmhS2IspgwpCQ0MEfLbdIVMJr7Dstt37rbYU3l9kkmI39DQRqXI4kdXJkg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">5、</span>买家体验</span></strong></span></p><span style="color: black;">用户体验<span style="color: black;">能够</span>分为两个方面，与前两条相比，这一点更值得<span style="color: black;">咱们</span>关注。<span style="color: black;">由于</span>用户体验肯定会对转化率产生影响，只是程度<span style="color: black;">区别</span><span style="color: black;">罢了</span>。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">1、支付体验</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">PayPal的支付体验绝对是最好的，一键支付<span style="color: black;">非常</span>省心。</span><span style="color: black;">Stripe用户的支付体验是比较好的，<span style="color: black;">况且</span>拒付率低。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">2、售后服务</span></strong></span></p><span style="color: black;">事实上，除了违法<span style="color: black;">行径</span>和平台的常规风控<span style="color: black;">办法</span>之外，账号被封的<span style="color: black;">危害</span><span style="color: black;">重点</span>来自于如下几个方面：用户体验<span style="color: black;">欠好</span>、邮件回复不<span style="color: black;">即时</span>、<span style="color: black;">制品</span>不符合预期、物流不<span style="color: black;">即时</span>。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>一旦频繁<span style="color: black;">出现</span>争议，又被查出<span style="color: black;">相关</span>帐户，就非常容易<span style="color: black;">显现</span>永久封号的<span style="color: black;">状况</span>，并且<span style="color: black;">没法</span>申诉。</span></p><span style="color: black;">运营独立站的<span style="color: black;">机构</span>，尤其是<span style="color: black;">刚才</span>起步的<span style="color: black;">机构</span>，<span style="color: black;">她们</span>会<span style="color: black;">思虑</span>到自己的支付方式的安全性、费率、便利性，<span style="color: black;">倘若</span>你是在国内建站，你<span style="color: black;">能够</span><span style="color: black;">选取</span> PayPal、 Stripe等支付方式，<span style="color: black;">况且</span>还<span style="color: black;">能够</span><span style="color: black;">经过</span>国内的收款<span style="color: black;">机构</span>来进行收款。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">以上<span style="color: black;">便是</span>关于“独立站收款结汇”的<span style="color: black;">关联</span>内容，<span style="color: black;">期盼</span>对您有所<span style="color: black;">帮忙</span>，<span style="color: black;">更加多</span>跨境收款、结汇、资金回国等问题，欢迎联系交流！</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">——EDN——</strong></span></p>
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