跨境电商必备：西联、速汇金与WISE收款全攻略
跨境电商必备：西联、速汇金与WISE收款全攻略
Cross-Border E-Commerce Essentials: Complete Guide to Western Union, MoneyGram & WISE Payments
在跨境电商领域，私域收款方式对提升复购率至关重要。本文将详细解析三种主流离线收款方案：西联汇款(Western Union)、速汇金(MoneyGram)和WISE收款的实操技巧。
In cross-border e-commerce,private payment methods are crucial for improving repurchase rates. This article provides a detailed analysis of three mainstream offline payment solutions: Western Union, MoneyGram and WISE payments.
为什么需要离线收款？
Why Offline Payments Matter?
虽然PayPal和Stripe等在线支付很便捷，但西联、速汇金和WISE在以下场景不可或缺：
- 新客户信任建立阶段
- 高折扣促销订单
- 特定国家/地区支付习惯
While online payments like PayPal and Stripe are convenient, Western Union, MoneyGram and WISE are indispensable in these scenarios:
- New customer trust-building phase
- High-discount promotional orders
- Payment habits in specific countries/regions
西联汇款(Western Union)实操指南
Western Union Operation Guide
所需材料：
- 收款人全名拼音（如ZHANG SAN）
- 所在城市（如SHENZHEN）
- 联系电话
Required Materials:
- Beneficiary's full name in pinyin (e.g. ZHANG SAN)
- City (e.g. SHENZHEN)
- Contact number
买家通过westernunion.com汇款后会获得10位MTCN码，卖家凭此码可通过微信"微汇款"小程序完成收汇结汇。
After remittance via westernunion.com, buyers get a 10-digit MTCN code, which sellers can use to complete collection and settlement via WeChat's "Wei Hui Kuan" mini program.
WISE收款注意事项
WISE Payment Considerations
WISE收款需特别注意：
- 大陆账户申请难度较高
- 支持支付宝/微信/银联卡收款
- 存在一定失败率，需多方式组合
Special notes for WISE payments:
- Difficult to apply for mainland accounts
- Supports Alipay/WeChat/UnionPay
- Has certain failure rate, requires multi-method combination
专业提示：个人名义收款不宜过于频繁，否则可能导致收款失败。
Pro Tip: Personal account collections shouldn't be too frequent to avoid payment failures.
