In order to make the vast number of cross-border e-commerce babies work more efficiently, Zuo Xiaoxi collected and sorted out several cross-border payment methods commonly used by foreign trade sellers at present, and briefly analyzed their advantages and disadvantages.
Telegraphic transfer
In actual foreign trade, telegraphic transfer is the most widely used payment method for sellers. T/T is the basic choice for large transactions. Of course, telegraphic transfer is also a good payment method for transactions above $65,438+0,000 and below $65,438+0,000.
The bank handling fee for wire transfer is generally divided into three parts. The first part is the expenses incurred by the payer's payment bank, which can be paid by the payer alone or deducted from the payment amount; The second part is the handling fee of transfer, which is generally deducted from the remittance amount; The third part is the handling fee of the payee's bank, which is deducted from the remittance amount.
At present, people are most concerned about accounting time. Generally, after receiving the water bill, the financial department confirms that the money has arrived, and then does other follow-up operations, such as delivery. The time of wire transfer varies greatly according to the remittance route of each bank, ranging from three working days to one week. Recommend a commercial bank, which is faster.
Second, Western Union remittance.
Western Union, referred to as Western Union for short, is the world's leading express remittance company with a history of 150 years. It has the largest and most advanced electronic remittance financial network in the world, with agent outlets in nearly 200 countries and regions around the world.
At present, China Agricultural Bank, China Everbright Bank, China Postal Savings Bank, China Construction Bank, Shanghai Pudong Development Bank, Harbin Bank, Fujian Strait Bank, Yantai Bank, Wenzhou Bank and many other banks are partners of Western Union in China. This payment will take about 15 minutes.
The specific operation steps of using Western Union remittance are as follows:
The seller only needs to tell the guest his contact information (name, address and telephone number), and does not need a bank account number. After remittance, the guest will give the seller the following information:
1。 Sender: guest name
2. Receiver: the name of the receipt.
3.MTCN: a series of numbers (commonly known as monitoring numbers)
Before remittance: the seller provides the name (pinyin) on the customer's ID card.
1. Name: the name of the seller; 2。 Last name: the seller's last name.
The information provided by the customer to the seller includes:
1. Name of the remitter.
2. Remitter's country
3. Currency and amount of remittance
4.MTCN, commonly known as the monitoring number.
With this information, the seller can take the ID card to the Agricultural Bank of China or the post office, or the bank that can run the Western Union business to withdraw money. (Note: You must have an ID card. )
As for the handling fee, Western Union is the handling fee borne by the payer, and the payment fees in different countries are different. It is best to refer customers to the local Western Union Payment Bank.
At present, Western Union remittance is highly accepted by customers in Europe and America, and it is generally more convenient to remit money in small dollars.
Third, moneygram.
Moneymax is one of the international remittance methods similar to Western Union, with the same business model as Western Union, and currently ranks second among similar businesses in the world. Because remittance does not go through the bank channel, it goes through the remittance channel of MoneyPay, so there are many cooperative banks in China, and the more common agents are ICBC, CITIC, Bank of Communications and Bank of China.
The specific operation is as follows:
First prepare the following information:
1) remitter's last name and first name.
2) Remittance amount, specific to two decimal places.
3) Remittance country
4)8-digit monitoring number
5) Bring my ID card to the correspondent bank to withdraw money.
The handling fee of moneygram is cheaper than that of Western Union. For details, please consult the customer service hotline of the above banks. Of course, there are also some non-bank institutions. Personal application only, you need to bring your ID card. Global remittance business between individuals of MoneyMoney can be handled at the MoneyMoney counter of our bank. ICBC, Bank of Communications and China CITIC Bank all have money transfer business.
Fourth, PayPal.
At present, it is the first choice for micropayments. PayPal is an international third-party online payment, which is convenient and fast. In addition, it can also relieve the buyer's worry that the payment will not be received. The utilization rate of foreign buyers accounts for more than 80%, covering Europe and America widely. You only need a mailbox to register and open an account for free. As a third-party tool, like Alipay, PayPal buyers can complain to PayPal if they have problems.
Compared with other payment methods, PayPal has the following advantages:
First: the safety of funds.
Second: fast, basically the same as domestic Alipay, the balance of Alipay will be displayed immediately after the buyer pays.
Third, it is convenient, and various tools can be used to manage transactions and improve efficiency.
Fourth, the global market acceptance is currently 190 markets and 6 currencies. It is the most mainstream payment method among small cross-border trade tools.
There is another question about PayPal that needs your attention, that is, the difference between PayPal and PayPal. In fact, similar to the domestic and international versions of Alipay, PayPal International Station allows payment to be sent and received to 55 countries and regions. PayPal is his China version, and it can only send and receive payments to users in China. Moreover, the use of both buyers and sellers is free. At present, the industry generally believes that PayPal is the first choice for micropayments.
Verb (abbreviation of verb) Alipay (International Edition)
International version of Alipay (ESCROWSERVICE) is a brand-new online payment method for international buyers and sellers. Because it is too new, the international market acceptance is not high at present, but the operation principle is similar to that of domestic Alipay, and the logistics operation and communication are convenient, which has great market prospects.
Intransitive verb credit card collection
In fact, in Europe and America, the mainstream payment method is credit card. In Europe and America, credit cards are linked to personal credit information. Therefore, the credit card method is also a very safe payment method. Now the cross-border e-commerce platform can be paid by credit card through the cooperation between VISA and MASTERCARD.
The risk control of international credit card payment, the core point of credit card payment risk is customer refund and a few credit card fraud. For example, the consumer returns or regrets, because other expenses such as logistics in the early stage of international small-scale trade often lose a lot to the seller. And now many mainstream platforms of cross-border e-commerce are also inclined to buyers. General payment companies will provide relatively safe authentication and encryption measures when providing payment services, such as sharing information with the black card library of card organizations. If you encounter a black card or a stolen card, the system will refuse to pay. Cause the order to fail.
7. Collection of money by offshore companies in Hong Kong
There are several differences between Hongkong account and offshore account account:
1. Hong Kong accounts have no foreign exchange control and can be operated directly over the counter. At present, cash cannot be deposited in an off-site account.
2. In terms of bank charges, local banks in Hong Kong charge lower fees.
3. The account is fully functional and suitable for international payment.
4. the account opening speed is fast.
At present, this collection method is divided into the following three categories:
1. Hong Kong account: HSBC is the first choice, with many branches, good service, high credibility, fast collection, free use of online banking, and no requirements for opening an account. You can get your account number and online banking on the day you open an account in Hong Kong.
2. offshore account (domestic capital): Shanghai Pudong Development Bank, Shenzhen Development Bank, Bank of Communications and China Merchants Bank have no requirements for opening accounts, and the handling fee is low, but the collection speed is slow and the service is not as good as that of Hong Kong banks.
3. offshore account (foreign capital): foreign banks, HSBC, Standard Chartered Bank and Bank of East Asia in Chinese mainland. There are restrictions on the amount of foreign debt, so the requirements for opening an account are high and the transfer fee is high. If you have online banking, you can only inquire, but you can't transfer money.
The method of choosing offshore account is simple. Now there are many agents in Ningbo, Guangzhou and Shenzhen. Find them directly, spend little money and solve the one-stop service.
Eight. Introduction of other non-mainstream payment tools
In fact, these payment tools are generally not recommended to everyone, because the acceptance is not high, and because they are unfamiliar and uncertain about payment security, but as a foreign trader, they can be used as a certain understanding.
Click and buy (online payment and e-wallet), PAYSAFECARD, WEBMONEY, CASHU, LIQPAY, QIWIWALLET. These payment methods are applicable to countries such as Russia, the Middle East and North Africa.
abstract
In fact, the core point of small cross-border payment is security. In addition, according to the seller's own habits, the mainstream payment method is generally selected, and the conventional wire transfer method can also be selected. Don't be afraid of trouble for such things as money. You must choose a reliable, familiar and safe payment method.
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