Can cross-border third-party payment companies only collect money through reserve accounts?

No, cross-border third-party payment companies can collect money through reserve accounts, but this is not the only way. Cross-border third-party payment companies usually accept various forms of payment, including bank transfer, electronic wallet, credit card and so on. Reserve account is an account that provides fund settlement, risk control and supervision and management for payment companies, and its income generally comes from transactions between merchants and consumers. However, for cross-border third-party payment companies, the reserve account is only a tool to manage funds, and due to the differences in laws, regulations and regulatory requirements in different countries/regions, there will be different restrictions and regulations on the requirements and mechanisms of the reserve account.