跨境电商收款难题解析：三大支付方式占据80%市场份额
跨境电商收款难题解析：三大支付方式占据80%市场份额
Cross-border E-commerce Payment Challenges: Three Payment Methods Account for Over 80% Market Share
随着跨境电商的快速发展，支付收款问题成为卖家面临的主要挑战。 在2020年疫情推动下，跨境电商市场规模呈现爆发式增长，行业头部企业加速聚集，同时也催生了大量跨境服务企业。
With the rapid development of cross-border e-commerce, payment collection has become a major challenge for sellers. Driven by the pandemic in 2020, the cross-border e-commerce market experienced explosive growth, with industry leaders accelerating their consolidation while giving rise to numerous cross-border service providers.
全球支付方式变革趋势
Global Payment Method Trends
根据FIS发布的《2021全球支付报告》：
According to FIS's "2021 Global Payments Report":
- 电子钱包：2020年占比44.5%，预计2024年将达51.7%
- E-wallets: Accounted for 44.5% in 2020, projected to reach 51.7% by 2024
- 信用卡：2020年占比22.8%，预计2024年降至20.8%
- Credit cards: Accounted for 22.8% in 2020, projected to drop to 20.8% by 2024
- 借记卡：预计2024年占比12%
- Debit cards: Projected to account for 12% by 2024
这三种支付方式将占据电商消费份额的84.5%，对跨境卖家收款解决方案提出了更高要求。
These three payment methods will account for 84.5% of e-commerce consumption, placing higher demands on cross-border sellers' payment collection solutions.
跨境卖家收款主要痛点
Major Pain Points in Cross-border Payment Collection
- 信息安全问题：第三方平台数据管控能力参差不齐
- Information security: Varying data management capabilities among third-party platforms
- 资金安全问题：包括平台跑路风险和资金追踪困难
- Fund security: Including platform runaway risks and fund tracking difficulties
亚马逊全球收款服务优势
Advantages of Amazon Global收款 Service
亚马逊推出的官方收款解决方案具有以下特点：
Amazon's official payment collection solution offers the following features:
| 优势 | Advantage | 说明 | Description |
|---|---|---|---|
| 安全性 | Security | 直接人民币结算，无需虚拟银行账户 | Direct RMB settlement without virtual bank accounts |
| 覆盖范围 | Coverage | 支持66个国家/地区，45种货币 | Supports 66 countries/regions and 45 currencies |
| 费率优惠 | Rate Benefits | 阶梯费率最低至0.4%，新卖家0.3%优惠 | Tiered rates as low as 0.4%, 0.3% for new sellers |
随着跨境电商行业规范化发展，合规、安全、透明的支付解决方案将成为卖家的首选。
With the standardized development of the cross-border e-commerce industry, compliant, secure and transparent payment solutions will become sellers' first choice.
