权威外贸订单网站推荐：谷歌能否推广亚马逊平台？跨境支付独角兽Nuvei深度解析
跨境支付市场正迎来爆发式增长。根据相关数据报告机构统计，2022年中国跨境支付系统处理业务笔数达到440.04万笔，较2021年增长105.88万笔；业务金额96.7万亿元，较2021年增长17.1万亿元。预计2023年第三方跨境支付市场规模将达16875.72亿元。
The cross-border payment market is experiencing explosive growth. According to relevant data reports, China's cross-border payment system processed 4.4 million transactions in 2022, an increase of 1.0588 million compared to 2021; the transaction amount reached 96.7 trillion yuan, up 17.1 trillion yuan from 2021. The third-party cross-border payment market is expected to reach 1.687572 trillion yuan in 2023.
在跨境电商市场政策支持和市场需求双重驱动下，跨境支付赛道呈现蓬勃发展态势。加拿大金融科技公司Nuvei以13亿美元收购美国支付技术平台Paya Holdings Inc，腾讯推出面向跨境电商的跨境支付平台...这些举措表明，海外蕴藏着一片数万亿级别、远未被满足的支付需求市场。
Driven by both policy support and market demand in the cross-border e-commerce sector, the payment industry is flourishing. Canadian fintech company Nuvei acquired US payment technology platform Paya Holdings Inc for $1.3 billion, while Tencent launched a cross-border payment platform for e-commerce... These moves indicate a trillion-dollar, underserved payment market overseas.
跨境支付行业发展三阶段
Three Stages of Cross-Border Payment Industry Development
Nuvei大中华区销售副总裁崔家琦总结了跨境支付行业的发展轨迹：
Nuvei Greater China Sales VP Cui Jiaqi summarized the development path of the cross-border payment industry:
第一阶段（1990s-2000s）：最初的在线支付系统是电子现金，用户可以使用银行卡或预付卡等方式在网上进行购物支付。
Stage 1 (1990s-2000s): The earliest online payment systems were electronic cash, where users could make payments using bank cards or prepaid cards.
第二阶段（2000s~2010s）：第三方支付平台业务规模不断扩大，出现了Nuvei、支付宝、财付通、Google Wallet等在线支付平台。
Stage 2 (2000s~2010s): Third-party payment platforms expanded rapidly, with the emergence of Nuvei, Alipay, Tenpay, Google Wallet and other online payment platforms.
第三阶段（2010s~至今）：移动支付成为主流支付方式，出现了微信支付、支付宝、Apple Pay等移动支付平台。
Stage 3 (2010s~Present): Mobile payment became the mainstream payment method, with platforms like WeChat Pay, Alipay, and Apple Pay emerging.
跨境支付面临的挑战
Challenges in Cross-Border Payments
目前跨境支付面临两大主要挑战：
Currently, cross-border payments face two major challenges:
1. 不同国家的支付偏好差异：马来西亚和印尼消费者更喜欢数字钱包、账户对账户（A2A）支付；新加坡消费者偏爱信用卡。
1. Payment preference differences across countries: Malaysian and Indonesian consumers prefer digital wallets and account-to-account (A2A) payments; Singaporean consumers favor credit cards.
2. 出海本土化难题：需搭建本地团队、整合本地资源，同时应对多民族语言文化与法律制度差异。
2. Localization challenges: Requires building local teams, integrating local resources, and addressing multi-ethnic language, cultural and legal system differences.
Nuvei的解决方案
Nuvei's Solutions
作为全球性支付技术公司，Nuvei提供：
As a global payment technology company, Nuvei offers:
- 完整的支付解决方案网络和支持性环境
- Complete payment solution network and supportive environment
- 全方位的合规安全保障
- Comprehensive compliance and security protection
- 全球风控监测机制和团队，7x24H响应
- Global risk monitoring mechanisms and teams with 24/7 response
目前Nuvei已连接200多个市场的企业，在45+个市场进行本地收单，支持150种货币和600多种替代支付方式。
Currently, Nuvei connects businesses in over 200 markets, offers local acquiring in 45+ markets, and supports 150 currencies and 600+ alternative payment methods.
通过战略性收购（如13亿美元收购Paya），Nuvei不断提升本土化竞争力，为出海企业提供更灵活、高效、安全的支付解决方案。
Through strategic acquisitions (such as the $1.3 billion acquisition of Paya), Nuvei continues to enhance its localization capabilities, providing more flexible, efficient and secure payment solutions for overseas enterprises.
