9
Payment Gateway & Collection Account Setup
高级
3-5 days
Apply for PayPal, Shop Pay and other payment methods, configure collection and settlement platforms to ensure smooth cash flow.
Cross-border E-commerce Fund Flow Process
Understand the complete cross-border e-commerce fund flow process, from customer payment to final arrival in domestic accounts.
跨境电商资金流程图
顾客付款
海外顾客通过信用卡、PayPal等方式付款购买商品
Shopify收款
Shopify平台接收顾客付款，扣除平台手续费
当地银行
资金转入当地银行账户（美国、香港等）
国内账户
最终到达国内银行账户或支付宝，可正常使用
结汇平台
通过合规的结汇平台进行外汇兑换和合规处理
顾客付款
海外顾客通过信用卡、PayPal等方式付款购买商品
Shopify收款
Shopify平台接收顾客付款，扣除平台手续费
当地银行
资金转入当地银行账户（美国、香港等）
结汇平台
通过合规的结汇平台进行外汇兑换和合规处理
国内账户
最终到达国内银行账户或支付宝，可正常使用
详细流程说明
1
顾客下单付款：
海外顾客在Shopify店铺下单，使用信用卡、PayPal、Apple Pay等支付方式完成付款
2
Shopify或Paypal处理：
Shopify或者Paypal收到款项后，扣除对应的交易手续费，处理订单信息
3
转入当地银行：
资金在2-3个工作日内转入您绑定的当地银行账户（主体所在国的银行账户）
4
结汇服务：
通过合规的结汇平台（如万里汇、空中云汇、派安盈、Wise等）进行外汇兑换
5
到达国内：
完成结汇后，人民币资金到达国内银行账户或支付宝，可正常使用
Payment Method Configuration
Configure main payment gateways and collection methods
Shopify Direct Shop Pay & PayPal Business Account
Main official payment channel configuration
- Apply for Shop Pay: As Shopify's official payment method, it can improve checkout conversion rate
- Apply for PayPal Business Account: Globally popular payment tool
- Application Requirements: Use registered business license and brand website to apply
- Shop Pay and PayPal need to connect to enterprise bank accounts or bank accounts provided by settlement platforms
Third-party Collection & Settlement Platforms
Choose appropriate collection and settlement platforms to ensure safe fund arrival
WorldFirst
蚂蚁金服
Under Ant Financial, focusing on cross-border collection for SMEs
- Multi-currency accounts
- Support withdrawal to domestic bank accounts
- Transparent rates
Airwallex
红杉投资
Sequoia Capital investment, providing global collection, payment and exchange services
- Competitive rates
- Support multi-platform deposits
- Fast arrival
Payoneer
纳斯达克
NASDAQ-listed company, widely used on Amazon, eBay and other platforms
- USD, EUR, GBP and other multi-currencies
- Convenient fund management
- Globally recognized
PingPong
国内平台
Well-known domestic cross-border collection service provider, focusing on B2B
- Low rates
- Fast withdrawal
- Popular with Chinese sellers
LianLian Pay
国内平台
Leading third-party payment company in China
- Cross-border payment solutions
- Support multi-platform collection
- Localized services
Wise
伦敦上市
London-listed company, individuals can also apply for accounts
- Common Western transfer platform
- Transparent rates
- Individual-friendly
System Integration
Integrate all payment and collection accounts, complete system integration to ensure smooth fund flow.
Payment Accounts
Shopify Payments
Configure Shop Pay
High
PayPal Business Account
Connect and test
High
Credit Card Processing
Verify payment flow
High
Other Payment Methods
Configure as needed
Medium
Collection & Settlement
WorldFirst/Airwallex
Complete KYC verification
High
Domestic Bank Account
Bind withdrawal account
High
Fund Flow Testing
Small amount test transfer
High
Exchange Rate Monitoring
Set rate alerts
Medium
System Testing & Verification
Full process testing to ensure system operates normally
Payment Process Testing
Test complete flow from order to collection
- 1Simulate customer order placement
- 2Verify payment processing works
- 3Confirm order status updates
- 4Check fund arrival status
Fund Transfer Testing
Verify complete path from overseas to domestic funds
- 1Confirm Shopify collection works
- 2Verify third-party platform transfer
- 3Test settlement platform processing
- 4Confirm domestic account arrival