Cross-border e-commerce payment
In recent years, the demand for international remittances in the cross-border e-commerce industry is rapidly increasing as more and more cross-border people join, and some people live abroad, travel, work and go to school. The international e-commerce market is expanding day by day, and it is obvious that overseas remittances will become an important part of cross-border people's lives, and finding the right remittance tools to make funds arrive in a timely and low-cost manner is probably the long-cherished wish of everyone with cross-border needs.
1. What are the larger cross-border payment platforms?
1. U.S. bank account.
2. Hong Kong bank account.
3、world first
4、payoneer
5、pingpong
6. Wanlihui.
7. Cloud gathering in the air.
8. Continuous payment.
All of the above payments are well known.
Today I will talk about how to choose a payment platform.
If you do have a U.S. bank account or a Hong Kong bank account, you can use it directly, because many cross-border people are not in the United States or Hong Kong (not limited to ID cards, or proof of residence and work in the local area), or they do not have a registered company in the United States or Hong Kong, so they cannot apply for a local bank account.
As mentioned above, the final choice lies in the service provider and service contract you contact. This is also based on some usage scenarios, such as independent stations use PayPal, payoneer, etc. more.
2. Cross-border e-commerce payment methods are now widely used in two ways:
One is the payment method of some e-commerce platforms such as Amazon, eBay, Wish, etc. - foreign exchange settlement, which is to settle the US dollar of the e-commerce platform into RMB, and complete the collection of cross-border e-commerce.
One is the acquiring of independent stations, that is, consumers use PayPal or credit cards to pay for the purchase of goods in the store, settle the order money through the acquiring company, and finally use the foreign exchange settlement company to convert to RMB.
In fact, the frequency of personal use and the amount will not be too large, relatively speaking, the business operation is more frequent, and the turnover is also huge. Therefore, the bosses of cross-border e-commerce are also very concerned about the settlement exchange rate.
If you want to understand the exchange rate, you must understand the following questions.
1. Does the exchange rate change frequently?
The exchange rate system is divided into a fixed exchange rate system and a floating exchange rate system.
Under the fixed exchange rate system, the financial supervisory authority controls the exchange rate, which generally comes and goes, and the exchange rate rarely changes, and generally implements a system of pegging the local currency to a foreign currency (such as the US dollar).
Under the floating exchange rate system, the exchange rate is not artificially controlled, but is determined by factors such as the supply and demand of domestic and foreign currencies in the foreign exchange market.
Therefore, the exchange rate under the floating exchange rate system is constantly changing.
2. What time is the exchange rate announced by the Bank of China every day? Or is it changing all the time like ***?
It changes all the time, but in order to facilitate the operation, each bank will set its own change frequency, such as the foreign exchange rate of the Bank of China, which changes every 30 seconds.
3. Is the exchange rate fluctuating large?
The exchange rate of RMB and foreign currencies fluctuates frequently, and the central bank publishes a central rate every day, and the actual exchange rate fluctuates up and down according to the prescribed range on the basis of this central price.
In general, the exchange rate does not change much in a day, but if there is a country-related financial news, it will fluctuate greatly.
All in all, it doesn't fluctuate much, but it changes every day, including weekends.
Therefore, cross-border bosses should aim at the opportunity, for example, in a period of time, under the ideal situation of exchange rate data, hurry up and start, which is also "making money".