云南SEO海外推广：跨境独立站支付收款常见问题解决方案
云南SEO海外推广：跨境独立站支付收款常见问题解决方案
Yunnan SEO Overseas Promotion: Common Payment Collection Issues for Cross-border Independent Websites
前言：最近在社群中关于独立站支付问题的讨论很多。鉴于不少朋友刚接触独立站，我整理了一些独立站支付相关的问题和解决方案，供大家参考。
Introduction: Recently, there have been many discussions in the community about payment issues for independent websites. Considering that many friends are new to independent websites, I have compiled some payment-related problems and solutions for your reference.
1. 独立站主流支付方式 | Main Payment Methods for Independent Websites
Paypal：必须配置，没什么好说。
Paypal: This is a must-have configuration, no need to explain.
信用卡：如果前期忙不过来，可以先只用Paypal。后面订单多了（比如一个月超过100单），信用卡支付也是必须配置的。
Credit Card: If you're too busy at the beginning, you can start with Paypal only. When orders increase (e.g., over 100 orders per month), credit card payment becomes essential.
2. Paypal配置问题 | Paypal Configuration Issues
2.1 是否需要公司账号？ | Do You Need a Business Account?
目前Shopify不能使用个人账号收款。虽然WordPress允许个人账号收款，但建议注册营业执照（成本约2000元/年），使用公司账号更方便。
Currently, Shopify does not allow personal accounts for收款. Although WordPress allows personal accounts, it's recommended to register a business license (cost ~2000 RMB/year) for smoother operations.
2.2 中国Paypal还是海外Paypal？ | Chinese Paypal or Overseas Paypal?
海外Paypal虽有优势，但需要海外营业执照。新手建议使用国内营业执照，等业务量达到百万级别再考虑开设香港/新加坡分公司。
Overseas Paypal has advantages but requires overseas business licenses. Beginners should use domestic licenses and consider Hong Kong/Singapore branches when business scales up.
3. 信用卡问题 | Credit Card Issues
3.1 Stripe如何申请？ | How to Apply for Stripe?
国内营业执照无法申请Stripe！必须使用境外公司主体注册。中介代办风险高，不建议。
Domestic business licenses cannot apply for Stripe! Overseas company registration is required. Agency services are high-risk and not recommended.
3.3 其他信用卡收款方案 | Alternative Credit Card Payment Solutions
可使用国内支付公司（如"某海"），可协商降低开户费和年费。目前国内选择有限。
Domestic payment processors (e.g., "XX") are available with negotiable fees. Limited options currently in China.
4. 回款问题 | Fund Withdrawal Solutions
最佳方案：使用WorldFirst香港账户中转：Paypal(USD)→WorldFirst(HKD)→国内银行卡(RMB)，可避免35美元/笔的手续费。
Best Solution: Use WorldFirst HK account: Paypal(USD)→WorldFirst(HKD)→Domestic Bank(RMB) to avoid $35/transaction fees.
开通流程：
- 注册WorldFirst账户
- 申请港币账户
- 关联Paypal香港银行账户
- 提现时选择港币账户
Setup Process:
- Register WorldFirst account
- Apply for HKD account
- Link Paypal HK bank account
- Select HKD account for withdrawal
Paypal冻结问题：新号常见问题，发货后上传物流单号，货物签收后几天会自动解封。
Paypal Freeze: Common for new accounts. Upload tracking number after shipment, will be released after delivery.
温馨提示：出海流量难题包括独立站冷启动、广告投放、SEO、红人营销等，需要系统化解决。
Reminder: Overseas traffic challenges include website cold start, ad placement, SEO, influencer marketing, etc., requiring systematic solutions.
