向各位请教一下收款方式问题
Thread poster: betterlife

betterlife
China
Local time: 14:19
English to Chinese
Dec 11, 2009

说来惭愧。几年前就听说Paypal和Moneybookers,但心存疑虑,一直没有用过:
1. Moneybookers
听说取现不太方便,钱要是冻在里面出不来就麻烦了。而且我的住址和身份证上的地址不一致,我也没有自己购房,所以无法提交含有我名字的电费单等凭据。所以尽管它便宜,我也干着急。
2. Paypal
我知道Paypal现在提现是可以用银行卡的,但是似乎也需要有张信用卡验证。我没信用卡,貌似还是用不了?

此外,Paypal和Moneybookers,哪个比较不容易被冻结呢?还有万一有人通过Paypal付款后chargeback怎么办呢?
有没有谁只接收银行电汇的?潜在客户会不会因为你不用Paypal和Moneybookers扭头就走哇?


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hongrara
China
Chinese to French
+ ...
关于收款的问题 Dec 11, 2009

如果你的客户是在国外的话, 付款方便对他们来说是很重要的,很多公司都指明必须接受PAYPAL付款,因为这样对他们来说很方便,而且不用他们支付任何生成的费用。至于他们有没有可能通过PAYPAL 付款后再收回,我觉得是不大可能的,因为这种情况一般是非担保交易,无法追回的,只有你实际出现过商品在网上买卖,他们才可能取回付款,比如说你在EBAY上开店,卖出一件商品,对方付款后对商品不满意或者称没有收到货物,才可能追回。就好比国内的支付宝,有担保交易和非担保交易之分。本人用PAYPAL时间比较长,使用也很频繁,未出现过资金冻结的问题,只要你诚实地使用,不乱耍小聪明,一般都不会出问题的。
至于MONEYBOOKERS,我没用过,所以不太熟悉,个人认为支持PAYPAL付款的用户比较多。
除了这两种外,还有PAYONEER,我刚刚开始用,觉得也还不错,但还是不太了解,你不妨去了解一下试试看。
做为自由职业者,如果你的目标客户在国外比较多的话,最好是多备几种收款方式,这样就可以避免因为付款方式上达不成一致而导致客户的流失。
以上仅为本人的个人经验及观点,仅作参考。


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Frédéric Pizzaia  Identity Verified
Local time: 14:19
English to French
+ ...
Other solution Dec 11, 2009

Hi BetterLife,

Sorry, I can read Chinese, but my writing is pretty child-like. So I will write in English.

I don't use Paypal and Moneybroker, but as you're living in China, you have another choice that in Europe. When you open a foreign currency bank account in China, you can receive any kind of currency you want on this account (Euro, Dollars, etc). In Switzerland, where I come from, you would need one account for Dollars, one for Euro, etc, which is not convenient. Moreover, the exchanging rate you get, because it's a transfer, is higher than if you were just changing cash money.

It is true that some companies prefer to pay through paypal or moneybrooker, but then it is also up to you if you can accept the charges or split the charges with your clients.

For me, the reason I don't use any of them, is because, even though I am living in China, I wanted to open my account in Switzerland. However, with both Paypal and Moneybroker, you can use only open an account in the country where you're living. Moreover, fees for transfering the money you receive to your private bank account can sometimes be quite important. So finally, it's just a matter of choice.

Regards,

Frédéric


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Adsion  Identity Verified
Canada
Local time: 01:19
Member (2007)
English to Chinese
+ ...
Paypal/MoneyBookers Dec 11, 2009

我在加拿大。80%客户用Paypal付款,往本地银行转钱很方便,验证时不用信用卡,其实Paypal是更希望你关联银行卡而非信用卡,因为信用卡上出钱他们还要与信用卡运营商分享一部分费用。
Moneybookers我去年有几个客户用,但今年最大的那个改Paypal了,其他的小客户基本没单。并且,从Moneybookers上向美洲下钱,是按 Bank Transfer 处理的,也就是说你要被扣除国际转账费用,如只下几百甚至几十块,那费率会很高,很不合算。
中国大陆也有“Paypal”(好像叫贝宝),你不妨向他们咨询一下。看国际Paypal和中国贝宝之间能自由互相转账吗。如是,那就很好解决。在我看来,他们做到这点儿应该不算什么问题的。
Bank Transfer 一般是比较传统的公司用,但问题是费用高周期长,除非客户同意提前支付并承担银行费用我才接受。


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lbone  Identity Verified
China
Local time: 14:19
English to Chinese
+ ...
贝宝 Dec 11, 2009

Adsion Liu wrote:

我在加拿大。80%客户用Paypal付款,往本地银行转钱很方便,验证时不用信用卡,其实Paypal是更希望你关联银行卡而非信用卡,因为信用卡上出钱他们还要与信用卡运营商分享一部分费用。
Moneybookers我去年有几个客户用,但今年最大的那个改Paypal了,其他的小客户基本没单。并且,从Moneybookers上向美洲下钱,是按 Bank Transfer 处理的,也就是说你要被扣除国际转账费用,如只下几百甚至几十块,那费率会很高,很不合算。
中国大陆也有“Paypal”(好像叫贝宝),你不妨向他们咨询一下。看国际Paypal和中国贝宝之间能自由互相转账吗。如是,那就很好解决。在我看来,他们做到这点儿应该不算什么问题的。
Bank Transfer 一般是比较传统的公司用,但问题是费用高周期长,除非客户同意提前支付并承担银行费用我才接受。


中国贝宝不行,出师未捷身先死。它只能收人民币,但完全不是支付宝的对手。可以说在支付宝面前已经完败了。

看红红说支付宝正在走向国际。那一天到来时,不知算好事还是坏事。如果那时的政策仍能如现在国内支付宝那样,当然是好事,但相信如果支付宝能走向国际,政府肯定在不久后就会出台相关措施,管理外币这个渠道,至于会是什么措施,就要拭目以待了。


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betterlife
China
Local time: 14:19
English to Chinese
TOPIC STARTER
非常感谢 Dec 11, 2009

hongrara wrote:

如果你的客户是在国外的话, 付款方便对他们来说是很重要的,很多公司都指明必须接受PAYPAL付款,因为这样对他们来说很方便,而且不用他们支付任何生成的费用。至于他们有没有可能通过PAYPAL 付款后再收回,我觉得是不大可能的,因为这种情况一般是非担保交易,无法追回的,只有你实际出现过商品在网上买卖,他们才可能取回付款,比如说你在EBAY上开店,卖出一件商品,对方付款后对商品不满意或者称没有收到货物,才可能追回。就好比国内的支付宝,有担保交易和非担保交易之分。本人用PAYPAL时间比较长,使用也很频繁,未出现过资金冻结的问题,只要你诚实地使用,不乱耍小聪明,一般都不会出问题的。
至于MONEYBOOKERS,我没用过,所以不太熟悉,个人认为支持PAYPAL付款的用户比较多。
除了这两种外,还有PAYONEER,我刚刚开始用,觉得也还不错,但还是不太了解,你不妨去了解一下试试看。
做为自由职业者,如果你的目标客户在国外比较多的话,最好是多备几种收款方式,这样就可以避免因为付款方式上达不成一致而导致客户的流失。
以上仅为本人的个人经验及观点,仅作参考。


你说的挺在理的。因为不同的客户可能有不同的偏好。
如果是出售实物,我反倒不担心客户向Paypal提出争议了。因为那时我可以向Paypal提供运单;听说有一种人,不和Paypal打招呼,直接把钱从信用卡撤回去了。对方没有向Paypal提出争议,我就没办法给自己辩护了。


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betterlife
China
Local time: 14:19
English to Chinese
TOPIC STARTER
Thanks a lot Dec 11, 2009

Frédéric Pizzaia wrote:

Hi BetterLife,

Sorry, I can read Chinese, but my writing is pretty child-like. So I will write in English.

I don't use Paypal and Moneybroker, but as you're living in China, you have another choice that in Europe. When you open a foreign currency bank account in China, you can receive any kind of currency you want on this account (Euro, Dollars, etc). In Switzerland, where I come from, you would need one account for Dollars, one for Euro, etc, which is not convenient. Moreover, the exchanging rate you get, because it's a transfer, is higher than if you were just changing cash money.

It is true that some companies prefer to pay through paypal or moneybrooker, but then it is also up to you if you can accept the charges or split the charges with your clients.

For me, the reason I don't use any of them, is because, even though I am living in China, I wanted to open my account in Switzerland. However, with both Paypal and Moneybroker, you can use only open an account in the country where you're living. Moreover, fees for transfering the money you receive to your private bank account can sometimes be quite important. So finally, it's just a matter of choice.

Regards,

Frédéric



Hi Frédéric,

Your reply is appreciated.

I have opened a multi-currency bank account and decided to use it majorly. It couldn't be better if the payment method can be negotiated.

Thanks,

Betterlife


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betterlife
China
Local time: 14:19
English to Chinese
TOPIC STARTER
银行电汇 Dec 11, 2009

Adsion Liu wrote:
……
中国大陆也有“Paypal”(好像叫贝宝),你不妨向他们咨询一下。看国际Paypal和中国贝宝之间能自由互相转账吗。如是,那就很好解决。在我看来,他们做到这点儿应该不算什么问题的。

Bank Transfer 一般是比较传统的公司用,但问题是费用高周期长,除非客户同意提前支付并承担银行费用我才接受。


多谢刘兄。

国际Paypal和中国贝宝好象独自运营的。

对于跨国电汇,我有这样的顾虑:如果我是客户,说不定会担心提前付款后译员拿了钱不办事。那么按照惯例,还得先干活再给钱。他不给,又有什么办法呢?真是要看运气(国内的还好办些,实在不行可以上门去要;))。

[Edited at 2009-12-12 03:27 GMT]


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betterlife
China
Local time: 14:19
English to Chinese
TOPIC STARTER
支付宝 Dec 11, 2009

lbone wrote:

中国贝宝不行,出师未捷身先死。它只能收人民币,但完全不是支付宝的对手。可以说在支付宝面前已经完败了。

看红红说支付宝正在走向国际。那一天到来时,不知算好事还是坏事。如果那时的政策仍能如现在国内支付宝那样,当然是好事,但相信如果支付宝能走向国际,政府肯定在不久后就会出台相关措施,管理外币这个渠道,至于会是什么措施,就要拭目以待了。


我也很希望支付宝能从国外收钱。估计免费不太可能,但愿能让Paypal感受到竞争的压力,从而主动降低手续费。嘿嘿。


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James_xia  Identity Verified
China
Member
English to Chinese
+ ...
确实如此 Dec 11, 2009

lbone wrote:

Adsion Liu wrote:

我在加拿大。80%客户用Paypal付款,往本地银行转钱很方便,验证时不用信用卡,其实Paypal是更希望你关联银行卡而非信用卡,因为信用卡上出钱他们还要与信用卡运营商分享一部分费用。
Moneybookers我去年有几个客户用,但今年最大的那个改Paypal了,其他的小客户基本没单。并且,从Moneybookers上向美洲下钱,是按 Bank Transfer 处理的,也就是说你要被扣除国际转账费用,如只下几百甚至几十块,那费率会很高,很不合算。
中国大陆也有“Paypal”(好像叫贝宝),你不妨向他们咨询一下。看国际Paypal和中国贝宝之间能自由互相转账吗。如是,那就很好解决。在我看来,他们做到这点儿应该不算什么问题的。
Bank Transfer 一般是比较传统的公司用,但问题是费用高周期长,除非客户同意提前支付并承担银行费用我才接受。


中国贝宝不行,出师未捷身先死。它只能收人民币,但完全不是支付宝的对手。可以说在支付宝面前已经完败了。

看红红说支付宝正在走向国际。那一天到来时,不知算好事还是坏事。如果那时的政策仍能如现在国内支付宝那样,当然是好事,但相信如果支付宝能走向国际,政府肯定在不久后就会出台相关措施,管理外币这个渠道,至于会是什么措施,就要拭目以待了。


lbone描述得很精确。在支付宝走到今天的局面,在外币的人民币之间转换的中国贝宝实无力取得市场抗衡。它与Paypal有联系,但那只是合作关系,操作上是两回事儿,局限性较大。


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