随着互联网时代的发展，电子商务蓬勃发展不仅仅止步于国内，逐渐突破国界，衍生出了跨境电子商务、跨境支付及跨境第三方支付等新业务。跨境电商通过线上平台把商品卖给外国人，但如何顺利的把钱收回来呢？那么平台的商户通常会选择平台推荐的相关收款方式，而独立站的商户则各种收款方式都有可能使用。现在很多的商家都选择PayPal和信用卡必备的两种收款方式，所以我们重点说一下这两种收款方式。
PayPal：是全球使用最为广泛的第三方支付工具之一。在欧美普及率极高，注册完全免费，只要有一个电子邮件地址，就可以登录开设PayPal帐户，通过验证成为其用户，并提供信用卡或者相关银行资料，就能够使用PayPal 在线发送和接收付款，但是每笔交易除手续费外，还需要支付交易处理费，而且账户容易被拒付、被冻结，解冻时间需要180天，还有5万美金的外汇管制。PayPal同时也支持信用卡收款，但是需要二次跳转，可能会有些客户嫌麻烦导致弃单。如果商户所售产品有知识产权问题。也就是PayPal是禁止交易的，国外对知识产权的保护非常重视，一旦国际品牌商投诉PayPal，后果是非常严重的，所以有这种情况的客户，建议不要使用PayPal账户了。
PAYPAL: one of the most widely used third party payment tools in the world. It is extremely popular in Europe and the United States, and registration is completely free. With just one email address, you can sign up for a PayPal account, be verified as a user, and provide credit card or bank details, pAYPAL is able to use PayPal to send and receive payments online, but each transaction requires a transaction processing fee in addition to the handling fee, and accounts can be easily denied, frozen, unfrozen for 180 days, and $50,000 in foreign exchange controls. PAYPAL also supports credit card payments, but requires a second jump, which may cause some customers to fold. If the merchant is selling a product with intellectual property issues. That is counterfeit or counterfeit goods, in PayPal is prohibited in trade, the foreign protection of intellectual property is very important, once the international brand business complaints PayPal, the consequences are very serious, so there are customers, suggested not to use the PayPal account.
信用卡收款：主要指包括Visa、MasterCard、JCB等国际主流信用卡收款，符合外国消费者尤其是欧美消费者的信用卡消费习惯，基本是人手一张卡，信用体系很完善。所以信用卡收款这一块与商户的生意是息息相关的，如果选择了做跨境电商的话，就必然离不开信用卡收款。信用卡收款都是需要找第三方支付公司进行合作的，Wintopay， 即赢支付，是直接与银行和卡组织紧密合作的国内第三方支付公司 ，拥有独立的风控系统，直接连接银行网关，还会加上人工的审核，多通道相互备份，多家银行相互合作，确保通道安全性、稳定性和成功率。使用后帐号不会被冻结，直接与信用等级挂钩，可以有效降低拒付率， 倾向于保护商家利益 ；信用卡收款通道有专业的风险分析和控制功能；并有完善的信用体制作为监督，总的来说相对安全，特别是对于做仿牌的商家更有利。没有提现费用， 门槛相对较高。缺点就是开通费用略高。
Credit Card receipts: mainly including Visa, MasterCard, JCB and other international mainstream credit card receipts, in line with foreign consumers, especially European and American consumers'credit card consumption habits, is basically one card per person, credit system is very sound. So credit card collection and business is closely related, if you choose to do cross-border e-commerce, it is bound to credit card collection. Credit Card receipts are required to find third-party payment companies for cooperation. Wintopay, that is, Wintopay, is a domestic third-party payment company that works closely with banks and card organizations. It has an independent wind control system and is directly connected to the bank gateway, in addition to Manual Audit, multi-channel mutual backup, multi-bank cooperation to ensure channel security, stability and success rate. After the use of accounts will not be frozen, directly linked to the credit rating, can effectively reduce the non-payment rate, tends to protect the interests of business; credit card payment channels have professional risk analysis and control functions; and a sound credit system as supervision, in general, relatively safe, especially for the business to do imitation more favorable. There is no withdrawal fee and the threshold is relatively high. The disadvantage is that the operating costs are slightly higher.
所以我建议商家在支付选择上，最好是兼容多种支付方式，不仅能满足不同消费者的支付习惯，增加订单量，然后也能因为某种收款方式出现问题的时候，可以随时切换，不影响生意的正常运行，可以减少拒付的风险，不至于钱被套牢。尽量去选择国内的通道，因为立场都是站在国内商户这边的，尽力去保护商户的利益。