浅析Shopify独立站痛点之一：支付方式
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">许多跨境电商小伙伴，要找一个建站平台搭建自己的独立站并不是件很难的事情，<span style="color: black;">例如</span>Shopify海外顶尖电商商务建站平台就<span style="color: black;">能够</span><span style="color: black;">容易</span>帮你搭建一个独立站，<span style="color: black;">或</span>是国内的Shopyy<span style="color: black;">亦</span><span style="color: black;">一样</span><span style="color: black;">能够</span>帮你搭建独立站。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span>在搭建网站过程中会遇到一个痛点，支付方式。不支持在线收款的电商网站不是一个完整的网站哦。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">做过第三方平台的卖家，咱们都<span style="color: black;">晓得</span>，平台都集<span style="color: black;">成为了</span>自己的收款方式<span style="color: black;">没法</span><span style="color: black;">经过</span>API外接支付通道，商家收到的款是<span style="color: black;">经过</span>平台进行转换的，商家提现需要<span style="color: black;">经过</span>平台进行处理。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而独立站会有所<span style="color: black;">区别</span>，支付方式会更加灵活，<span style="color: black;">能够</span>是独立站平台直接集成的支付方式，<span style="color: black;">亦</span><span style="color: black;">能够</span>是<span style="color: black;">经过</span>API进行对接的三方支付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">平常</span>的独立站在线支付方式<span style="color: black;">通常</span>分为两种：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、PayPal支付</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、第三方支付方式</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">大部分的建站工具都会集成PayPal支付，以及部分第三方支付方式，商家<span style="color: black;">能够</span><span style="color: black;">按照</span>自己<span style="color: black;">需要</span>进行<span style="color: black;">选取</span>合适的支付方式。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">咱们先以Shopify为例，除了PayPal企业账号（不支持个人账户）以外，Shopify建站工具无缝对接一种<span style="color: black;">她们</span>自己的支付方式，Shopify Payment <span style="color: black;">经过</span>这个支付无需<span style="color: black;">转</span>到第三方支付页面进行付款操作，<span style="color: black;">无</span>中间商，无额外交易手续费，会<span style="color: black;">加强</span>订单的转化率，以及更少页面输入时间。<span style="color: black;">然则</span>Shopify Payment并不是对所有国家都开放，<span style="color: black;">仅有</span>在名单列表内的国家用户<span style="color: black;">才可</span>申请，中国<span style="color: black;">日前</span><span style="color: black;">亦</span>没<span style="color: black;">包含</span>在内。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Shopify Payment的缺点是：不是所有卖家都<span style="color: black;">能够</span><span style="color: black;">运用</span>，不支持侵权<span style="color: black;">制品</span>以及<span style="color: black;">露出</span><span style="color: black;">制品</span>等等，Shopify Payment一旦产生拒付，<span style="color: black;">她们</span>会收取$15的处理<span style="color: black;">花费</span>，这个<span style="color: black;">花费</span>需要商家自己承担，<span style="color: black;">显现</span>违规操作资金有冻结的<span style="color: black;">危害</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">针对国内跨境电商卖家<span style="color: black;">来讲</span>，<span style="color: black;">一般</span>所见的支付方式还是以PayPal和其它第三方支付方式<span style="color: black;">占多数</span>。</p>关于独立站与PayPal<span style="color: black;">花费</span>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/pgc-image/e3c36726a8e249a1b8097021a073619d~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1722838116&x-signature=FggV87Ec5wY%2F5Zo8R6PbvXo0gKY%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">PayPal的收款手续费例如是做美国市场的，每笔固定要收取0.3美金+<span style="color: black;">区别</span>比例的手续费，而<span style="color: black;">区别</span>国家的手续费<span style="color: black;">亦</span>会有所<span style="color: black;">区别</span>，<span style="color: black;">详细</span><span style="color: black;">能够</span>参考PayPal其它币种的固定<span style="color: black;">花费</span>，</p>https://www.paypal.com/c2/webapps/mpp/paypal-seller-fees#fixed-fees
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除了固定手续费以外，交易费率会<span style="color: black;">按照</span>你的月<span style="color: black;">营销</span>额越大而下降比例。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>是做多个国家的，可能会产生货币兑换的<span style="color: black;">花费</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/pgc-image/66dc33087b4d4d079733a642f3440268~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1722838116&x-signature=64lYBBJgHhY6dnUTNWj%2B6dYasDY%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">PayPal的<span style="color: black;">优良</span>在于：无门槛注册无需注册<span style="color: black;">花费</span>，支持个人和企业注册，收款的安全性和稳定性，市场的占用率。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">PayPal的缺点在于：禁止接入仿品和侵权<span style="color: black;">制品</span>网站收款（以PayPal商家政策为准），PayPal买家<span style="color: black;">守护</span>政策，<span style="color: black;">倘若</span><span style="color: black;">导致</span>你的客户<span style="color: black;">海量</span>的退款索赔，<span style="color: black;">一般</span>PayPal是站在买家这边。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">PayPal提现额度限制，中国卖家<span style="color: black;">日前</span>一年只支持5万美金的提现额度，超过之后<span style="color: black;">能够</span><span style="color: black;">经过</span>第三方进行结汇。（如pingpong、lianlianpay、worldfirst）</p>关于独立站与第三方收款<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">选取</span>第三方支付，必须遵循第三方支付<span style="color: black;">供给</span>的服务条款，交易方式<span style="color: black;">经过</span>第三方支付页面进行处理。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">独立站卖家在确认<span style="color: black;">选择</span>第三方支付<span style="color: black;">机构</span>的时候，需要提前确认好你的建站工具<span style="color: black;">是不是</span>集<span style="color: black;">成为了</span>对应的支付通道。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以第三方支付Stripe为例：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Stripe可在香港、美国，加拿大，英国，澳大利亚，比利时，法国，德国，爱尔兰，荷兰等地<span style="color: black;">供给</span> （不含中国）。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Stripe是一种在线接受付款的简单方式。<span style="color: black;">运用</span>Stripe，您<span style="color: black;">能够</span>直接在商店上接受Visa，MasterCard，American Express，Discover，JCB和Diners Club卡，<span style="color: black;">乃至</span>是Bitcoin。Stripe<span style="color: black;">无</span>安装费，<span style="color: black;">无</span>月费，<span style="color: black;">无</span><span style="color: black;">隐匿</span>的<span style="color: black;">花费</span>：你<span style="color: black;">仅有</span>在<span style="color: black;">挣钱</span>的时候才收取<span style="color: black;">花费</span>！收益将按7天的滚动转移到您的银行账户。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Stripe优点：收款安全、支持的支付卡类型几乎全覆盖、无需开户<span style="color: black;">花费</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Stripe缺点：<span style="color: black;">无</span>开放中国地区申请，不支持收仿品，禁止<span style="color: black;">显现</span>欺诈<span style="color: black;">行径</span>，退款率超过3%的账号将受到限制。</p>其他第三方支付还有<span style="color: black;">那些</span>？<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">如Oceanpayment、allinpay、asiabill、payssion、pingpongpay 、worldpay等等。<span style="color: black;">做为</span>独立站正品收款通道都<span style="color: black;">能够</span><span style="color: black;">做为</span>备选之一。Shopyy<span style="color: black;">亦</span>集<span style="color: black;">成为了</span>大部分主流的第三方支付通道。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">开户都有<span style="color: black;">那些</span><span style="color: black;">要求</span>呢？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、需要<span style="color: black;">供给</span>企业营业执照，不支持个人开户。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、如做特殊商品的如口罩等防疫用品，还需要<span style="color: black;">供给</span><span style="color: black;">关联</span>的医疗方面的出口证明等等，<span style="color: black;">详细</span>以支付<span style="color: black;">机构</span><span style="color: black;">供给</span>的服务条款为准。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、需要支付接入费和年费。5K到12K不等每年的固定<span style="color: black;">花费</span></p>网站的支付交易费率<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">详细</span>手续费以第三方支付<span style="color: black;">机构</span><span style="color: black;">供给</span>的为准，如有需要<span style="color: black;">能够</span>联系<span style="color: black;">博主</span>，给你<span style="color: black;">举荐</span>对应支付的业务经理。</p>第三方支付<span style="color: black;">重视</span>事项<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">信用卡有180天的拒付期</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有些商户<span style="color: black;">亦</span>会<span style="color: black;">由于</span><span style="color: black;">有些</span>疏忽，<span style="color: black;">例如</span>忘了发货<span style="color: black;">或</span>发错货了，<span style="color: black;">导致</span>消费者的投诉或拒付；<span style="color: black;">倘若</span>投诉多了，对我们<span style="color: black;">全部</span>平台的信誉都会有影响的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">银行收取<span style="color: black;">必定</span>的<span style="color: black;">保准</span>金，在180天后滚动返给商户。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">为了<span style="color: black;">守护</span><span style="color: black;">全部</span>交易的安全</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">为了<span style="color: black;">守护</span>这个通道能正常<span style="color: black;">运用</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">商户要<span style="color: black;">即时</span>处理订单，避免<span style="color: black;">显现</span>拒付等<span style="color: black;">状况</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以上PayPal和所<span style="color: black;">供给</span>的第三方支付名<span style="color: black;">叫作</span>均只能<span style="color: black;">做为</span>正规<span style="color: black;">制品</span>的收款<span style="color: black;">途径</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">如做FP，灰色<span style="color: black;">制品</span>、擦边球<span style="color: black;">制品</span>请<span style="color: black;">小心</span><span style="color: black;">运用</span>，<span style="color: black;">能够</span><span style="color: black;">选取</span>专门的FP收款<span style="color: black;">途径</span>，如需要<span style="color: black;">能够</span>联系<span style="color: black;">博主</span>有认识的给你<span style="color: black;">举荐</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除了在线收款方式，还有<span style="color: black;">有些</span><span style="color: black;">因为</span>信用卡不这么普及<span style="color: black;">或</span>网络环境<span style="color: black;">基本</span>不是很好的国家，<span style="color: black;">亦</span><span style="color: black;">能够</span><span style="color: black;">经过</span>线下收款的途径进行收款</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">线下方式：西联</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>是汇给你<span style="color: black;">自己</span>的，<span style="color: black;">供给</span>你的名字，城市，<span style="color: black;">位置</span>就<span style="color: black;">能够</span>了。<span style="color: black;">需求</span>名字要正确，first name:你的名字，Last name：你的姓。汇款后还要<span style="color: black;">需求</span>汇款方<span style="color: black;">供给</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、监控号码（MTCN）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、发汇人的First name 和Last Name</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、金额和币种</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、国家</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">就<span style="color: black;">能够</span>凭<span style="color: black;">自己</span>身份证到有西联营业网点，邮政储蓄<span style="color: black;">或</span>农行。<span style="color: black;">通常</span><span style="color: black;">她们</span>都会挂出牌子写“西联 Western Union”的都<span style="color: black;">能够</span>取的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span><span style="color: black;">无</span>的话，<span style="color: black;">意见</span>去中行开户，活期一本通的，告诉他你的账号名字、号码，和SWIFT COAD（这个是开户的银行的代号，<span style="color: black;">能够</span>在开户的时候问工作人员的）<span style="color: black;">通常</span>4-5天就能到帐了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">西联收款模板</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">To finalize payment, please follow this instruction.</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">STEP 1: Visit https://www.westernunion.com/ to make your payment online using your credit card. (mostly available in North America and europe countries, its only takes 10 minutes to make the payment.)</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">OR find an office near you to pay through: https://www.westernunion.com/locator/</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">STEP 2. Fill in the "Receiver" information EXACTLY as follows:</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Please contact to us get the receivers information!</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">It is important that you write the receivers name exactly as shown here. Any errors with regard to the name order or spelling might result in order delays.</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">STEP 3. Send your payment information to us:</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">E-mail us at buzhidaomingzi@gmail.com with the following information.</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1. MTCN (money transfer control number)</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2. Exact first name and last name of the money sender</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3. The country where the money was sent from</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4. Order No.#</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Or Send the payment information by our website:</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">http://www.yourdemo.com/send-payment-information.html</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">线下方式：速汇金</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">速汇金业务（英文名<span style="color: black;">叫作</span>为ＭｏｎｅｙＧｒａｍ），速汇金业务是国际速汇金<span style="color: black;">机构</span><span style="color: black;">经过</span>其<span style="color: black;">全世界</span>网络办理的一种境外快速汇款业务。是<span style="color: black;">日前</span><span style="color: black;">全世界</span>最快的私人汇款方式之一，<span style="color: black;">包含</span>汇出汇款和汇入汇款两种方式。客户不需事先开户，可在 10 分钟内将款汇出或收取汇款。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">国内各大银行均有此项业务。</p>
“NB”（牛×的缩写，表示叹为观止） 我赞同你的看法，你的智慧让人佩服，谢谢分享。
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