简单聊聊独立站平常的几种收款方式
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/9d72b1f6cb724c09a30aff87c34c2a80~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1722821932&x-signature=7zIAJguaAEcdkMCmt90g8y11mnI%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">照片</span><span style="color: black;">源自</span>：图虫创意</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">国内独立站出海的热潮，<span style="color: black;">已然</span>从2020年初的激情澎湃到<span style="color: black;">日前</span>越来越趋于理性化的一个状态，<span style="color: black;">亦</span>越来越趋于精细化运营的<span style="color: black;">周期</span>，越来越多的卖家从亚马逊等平台，供应链转型等布局独立站,使得独立站的关注达到了一个从所未有的高潮。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">但随着越来越来的卖家进入<span style="color: black;">同期</span><span style="color: black;">亦</span><span style="color: black;">显现</span>了<span style="color: black;">非常多</span>做站群铺货货不对板<span style="color: black;">或</span>不发货，发空包等, 严重影响了海外消费者的购物体验,之前被封的还是Google的GMC<span style="color: black;">由于</span>虚假宣传,促销，Google<span style="color: black;">宣传</span>账户<span style="color: black;">由于</span>规避,可疑付款,Facebook<span style="color: black;">宣传</span>账户,主页等被封,<span style="color: black;">此刻</span><span style="color: black;">亦</span>蔓延到了收款<span style="color: black;">途径</span>的被封,尤其<span style="color: black;">近期</span>Paypal遭到大规模的被封,<span style="color: black;">据述</span>行业某头部大卖Paypal被冻结了超过千万人民币。</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;">咱们</span>差不多<span style="color: black;">亦</span>是从2020初<span style="color: black;">起始</span>做独立站的, 到<span style="color: black;">日前</span>为止基本上<span style="color: black;">咱们</span>遇到了上面<span style="color: black;">说到</span>的所有<span style="color: black;">状况</span>,<span style="color: black;">宣传</span>账户被封，Paypal被封以及其他信用卡收款方式被封,<span style="color: black;">引起</span>现金流非常被动，今天<span style="color: black;">重点</span>给<span style="color: black;">大众</span>介绍下<span style="color: black;">平常</span>的独立站收单方式的优缺点以及<span style="color: black;">有些</span><span style="color: black;">重视</span>事项,提前做好规划。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在<span style="color: black;">选取</span>支付方式，<span style="color: black;">咱们</span>要关注<span style="color: black;">那些</span>点呢？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">安全合规：账户资金安全是卖家最<span style="color: black;">首要</span>要<span style="color: black;">思虑</span>的问题,现金流<span style="color: black;">针对</span>一家<span style="color: black;">机构</span>有着非常非常重要的<span style="color: black;">功效</span>,账户安全是首选</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">成功率：通道的成功率直接关系到订单的<span style="color: black;">实质</span>转化率，成功率越高，<span style="color: black;">实质</span>转化率就越高,转化成本<span style="color: black;">亦</span>就越低.<span style="color: black;">倘若</span><span style="color: black;">由于</span>成功率的问题<span style="color: black;">引起</span>用户<span style="color: black;">无</span>下单,就非常可惜了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">风控：能否做到对<span style="color: black;">反常</span>订单、欺诈交易进行<span style="color: black;">精细</span>的判断和拦截。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">结算周期：结算周期直接影响到了跨境电商的资金周转，周期长，资金周转压力大，会影响到备货及后续一系列。结算周期越短，资金周转效率就越高，业内常规标准，结算周期是T+15。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">费率：市面上有些小的支付<span style="color: black;">机构</span>为了签单，<span style="color: black;">能够</span>把<span style="color: black;">花费</span>压得极低，试想一下，如此低的<span style="color: black;">花费</span>，<span style="color: black;">怎样</span><span style="color: black;">保证</span>你资金的安全性呢？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">说道独立站的支付方式, 除了<span style="color: black;">平常</span>的Paypal, Stripe之外,<span style="color: black;">近期</span>又听说了Payoneer,<span style="color: black;">亦</span><span style="color: black;">便是</span>P卡。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1.payoneer</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;">非常多</span>的跨境电商平台<span style="color: black;">例如</span>亚马逊,沃尔玛,eBay等卖家都是用的P卡,我亚马逊的美国账户绑定的<span style="color: black;">亦</span>是P卡收款。其实除了绑定平台收款之外,<span style="color: black;">近期</span>P卡针对独立站<span style="color: black;">亦</span>出了个叫Payoneer checkout的<span style="color: black;">途径</span>,<span style="color: black;">能够</span>用来直接收独立站的用户付款,<span style="color: black;">日前</span>跟国内的Shoplazza, Ueeshop Saas建站工具以及Woocommerce, Magento对接对<span style="color: black;">咱们</span>卖家而言,又多了个独立站的收款<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;"><span style="color: black;">花费</span><span style="color: black;">来讲</span>Payoneer的标准相对还是比较低的。费率3.1%， 相对其他的竞品来讲还是挺有竞争力的。 <span style="color: black;">况且</span>，做跨境的卖家，<span style="color: black;">非常多</span>应该都有P卡，<span style="color: black;">倘若</span>你P卡入账量大的话，费率<span style="color: black;">能够</span>去和客户经理谈，<span style="color: black;">另一</span><span style="color: black;">花费</span><span style="color: black;">亦</span>都是透明的<span style="color: black;">无</span>开户费,年费等其他的<span style="color: black;">招数</span>,跟主流货币美元<span style="color: black;">或</span>欧元,<span style="color: black;">亦</span>不收取转换费以及汇损,<span style="color: black;">日前</span>国际形势<span style="color: black;">亦</span>不太明朗,这点对<span style="color: black;">咱们</span>卖家<span style="color: black;">来讲</span>还是比较不错的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">除此之外,P卡的账期<span style="color: black;">亦</span>比较短,每日结算，最快T+2到账，其他的信用卡<span style="color: black;">咱们</span><span style="color: black;">亦</span>有用过大部分在T+7，卖家<span style="color: black;">伴侣</span>都<span style="color: black;">晓得</span>现金流<span style="color: black;">针对</span><span style="color: black;">咱们</span><span style="color: black;">来讲</span>是多么的重要,<span style="color: black;">另一</span>P卡还<span style="color: black;">能够</span>对接多平台收款无论是独立站还是亚马逊等超多平台,还有一点我觉得非常重要的<span style="color: black;">便是</span>关于拒付的问题, P卡有专门的本地团队<span style="color: black;">帮助</span>处理,<span style="color: black;">能够</span>中文对接更加<span style="color: black;">有效</span>,<span style="color: black;">不消</span>像其他信用卡收款还要发英文邮件<span style="color: black;">或</span>打海外<span style="color: black;">tel</span>。这一点不要小看，、当你遇到拒付的纠纷是，用起来之后你会<span style="color: black;">发掘</span>，真香！（<span style="color: black;">重视</span>：Payoneer Checkout<span style="color: black;">日前</span>还仅针对香港商户<span style="color: black;">供给</span>）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2.Stripe</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">是Shopify独立站卖家最受欢迎的收款方式之一，尤其是在美国。Stripe专攻信用卡收款，<span style="color: black;">能够</span>处理<span style="color: black;">重点</span>的国际借记卡或信用卡，<span style="color: black;">包含</span>Visa，MasterCard，American Express，Discover，Diners Club和JCB。</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;">花费</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1.美国地区的Stripe每笔交易金额的2.9%，外加0.3美元手续费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2.非美国的美元付款，外加1%</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3.账户注册地为香港的卖家，手续费为3.4%+2.35港币</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4.香港卖家经Stripe收取支付宝和<span style="color: black;">微X</span>支付的款项，手续费只需2.2% + 2港币，价钱<span style="color: black;">恰当</span></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></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">手续费较低，且<span style="color: black;">无</span>提现手续费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">简单易用，容易接入独立站</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">对交易严格审核，拒绝可疑交易<span style="color: black;">行径</span>，安全性高</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">专注信用卡收款，<span style="color: black;">亦</span>是<span style="color: black;">日前</span>较为主流的信用卡收款方式之一， <span style="color: black;">亦</span>几乎支持所有信用卡和借记卡以及<span style="color: black;">各样</span>电子钱包</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点</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;">因为</span>独立站收款以美元为主，当Stripe收到美元时，会将美元强制兑换成港币，这中间可能会产生一笔汇率损失资金到账时间较长，<span style="color: black;">一般</span>为7个工作日。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Stripe的开放国家和区域中<span style="color: black;">无</span>中国大陆，国内用户<span style="color: black;">没法</span>直接申请Stripe，但卖家<span style="color: black;">能够</span>在香港申请Stripe账户，审核<span style="color: black;">需求</span>较为宽松</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3.PayPal</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">PayPal<span style="color: black;">日前</span>是<span style="color: black;">全世界</span>广为<span style="color: black;">运用</span>的支付和收款<span style="color: black;">途径</span>之一，是<span style="color: black;">运用</span>率最高的收付款方式之一。<span style="color: black;">同期</span>PayPal支持<span style="color: black;">包含</span>Shopify、WooCommerce、速卖通等大<span style="color: black;">都数</span>平台，是大部分跨境电商卖家的首选方式，<span style="color: black;">同期</span>买家<span style="color: black;">亦</span><span style="color: black;">能够</span><span style="color: black;">运用</span><span style="color: black;">包含</span>信用卡和借记卡在内的<span style="color: black;">区别</span>方式进行付款</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;">花费</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2%的交易手续费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4.4%的交易处理费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">0.3美元的固定费率</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">提现<span style="color: black;">亦</span>需要单独支付一笔额外的手续费</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></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;">全世界</span><span style="color: black;">运用</span>率最高的收付款方式，覆盖地区广</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">账户与账户之间产生交易，属于电子钱包模式，<span style="color: black;">针对</span>买卖双方的安全性较其他方式高</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">手续费较高。<span style="color: black;">包含</span>手续费，处理费，提现费三部分。</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;">重点</span><span style="color: black;">保证</span>买家利益，对卖家的<span style="color: black;">需求</span>就相对更为严格。<span style="color: black;">倘若</span>遇到买家投诉，<span style="color: black;">例如</span>被投诉的比较多的<span style="color: black;">状况</span>是“与描述<span style="color: black;">明显</span>不符”的<span style="color: black;">赔偿</span>申请，因以上<span style="color: black;">状况</span>被投诉的，PayPal<span style="color: black;">一般</span>都会做出对买家有利的裁定。而被频繁投诉的，卖家账户就很容易被限制，<span style="color: black;">乃至</span>冻结</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4.2Checkout, <span style="color: black;">始终</span>被<span style="color: black;">叫作</span>为Stripe信用卡收款最佳替代<span style="color: black;">方法</span>，申请<span style="color: black;">要求</span>要比Stripe宽松<span style="color: black;">非常多</span>，国内个人卖家只需要提交国内身份证<span style="color: black;">或</span>护照信息，以及<span style="color: black;">位置</span>证明文件，就<span style="color: black;">能够</span>顺利申请下来</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;">优良</span>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">比Stripe申请相对简单</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">支持中国大陆个人卖家<span style="color: black;">或</span><span style="color: black;">机构</span>注册账户来收款的</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">缺点：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2Checkout 的<span style="color: black;">花费</span>相对较高，<span style="color: black;">无</span>开户<span style="color: black;">花费</span>，年费等等<span style="color: black;">花费</span>会从每笔订单中抽取<span style="color: black;">营销</span>额的3.5%+0.35美金的<span style="color: black;">花费</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2Checkout <span style="color: black;">无</span>中文客服支持，需要邮件联系英文客服<span style="color: black;">处理</span>，沟通起来相对要麻烦<span style="color: black;">有些</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">5.Shopify Payment，Shopify Payments 是Shopify推出的一站式收款方式，它消除了设置第三方支付<span style="color: black;">供给</span>商，客户无需离开网站<span style="color: black;">就可</span>直接在shopify在线商店完成购买</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;">花费</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Shopify Payments <span style="color: black;">花费</span>是<span style="color: black;">经过</span>在商店里的订阅。共有 3 种订阅计划：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Basic Shopify 29 美元/月</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Shopify 79 美元/月</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">Advanced Shopify 299 美元/月</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">除了信用卡费率和订阅费外，Shopify Payments 不会收取任何<span style="color: black;">隐匿</span><span style="color: black;">花费</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">以上都是经常常用的独立站收款方式,卖家<span style="color: black;">首要</span><span style="color: black;">思虑</span>的还是账户的安全问题,最好还是找大的收单<span style="color: black;">机构</span>,<span style="color: black;">这般</span>一方面<span style="color: black;">能够</span><span style="color: black;">保证</span>账户的资金安全,<span style="color: black;">另一</span>一方面消费者看到<span style="color: black;">熟练</span>的收单<span style="color: black;">机构</span>,<span style="color: black;">针对</span><span style="color: black;">加强</span>网站信任感进一步消除疑虑,最后从来拉动转化率,降低转化成本</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">(以上内容属作者个人观点，转载需经作者授权同意。)</p>
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