有关Paypal支票托收的问题
Thread poster: Marvin Sun

Marvin Sun  Identity Verified
China
Local time: 01:46
English to Chinese
Jun 2, 2013

想占点地方咨询一下Paypal收款问题,主要是支票托收程序的一些细节。

我看到Paypal上有这句话:"Note:Checks sent to non-U.S. banks cannot be cashed. Fees may be applied by the bank where the check will be deposited. For questions regarding these fees, contact the bank."

Paypal开过来的支票到底能不能收款?

上次打电话到工行咨询了一下,服务台跟我说只有转账支票才可以托收,现金支票无法办理。那Paypal开过来的支票到底是转账支票还是现金支票?

如果可以托收,还有没有其他需要注意的细节?


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Rita Pang  Identity Verified
Canada
Local time: 13:46
Member (2011)
Chinese to English
+ ...

Moderator of this forum
这个还真有点复杂 Jun 2, 2013

Marvin Sun wrote:

想占点地方咨询一下Paypal收款问题,主要是支票托收程序的一些细节。

我看到Paypal上有这句话:"Note:Checks sent to non-U.S. banks cannot be cashed. Fees may be applied by the bank where the check will be deposited. For questions regarding these fees, contact the bank."

Paypal开过来的支票到底能不能收款?

上次打电话到工行咨询了一下,服务台跟我说只有转账支票才可以托收,现金支票无法办理。那Paypal开过来的支票到底是转账支票还是现金支票?

如果可以托收,还有没有其他需要注意的细节?


我其中一个客户以前就是用 Paypal cheque 付款的。因为我身处北美,我所使用的银行在美国有业务,所以其转账服务让我不需付出其他费用就可直接把款项调动。但我记得当时每一次收钱paypal都会在那张支票上扣一定费用。

你的客户不能用普通付款项目(如个人项目,“gift”这种选项)给你付款吗?


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Marvin Sun  Identity Verified
China
Local time: 01:46
English to Chinese
TOPIC STARTER
国内是比较复杂 Jun 2, 2013

Rita Pang wrote:

Marvin Sun wrote:

想占点地方咨询一下Paypal收款问题,主要是支票托收程序的一些细节。

我看到Paypal上有这句话:"Note:Checks sent to non-U.S. banks cannot be cashed. Fees may be applied by the bank where the check will be deposited. For questions regarding these fees, contact the bank."

Paypal开过来的支票到底能不能收款?

上次打电话到工行咨询了一下,服务台跟我说只有转账支票才可以托收,现金支票无法办理。那Paypal开过来的支票到底是转账支票还是现金支票?

如果可以托收,还有没有其他需要注意的细节?


我其中一个客户以前就是用 Paypal cheque 付款的。因为我身处北美,我所使用的银行在美国有业务,所以其转账服务让我不需付出其他费用就可直接把款项调动。但我记得当时每一次收钱paypal都会在那张支票上扣一定费用。

你的客户不能用普通付款项目(如个人项目,“gift”这种选项)给你付款吗?


Hi, Rita,多谢你的回复。

国内是比较复杂,将Paypal上的钱转回国内貌似只有转账和支票托收两种可行途径。

转账费用Paypal收35美元,托收费用比较低,才5美元,时间可能比较长点。如果不急着用那笔钱而且汇率变动不是过于夸张,感觉走托收还是蛮划算的。

至于客户给我付款的问题,一直没有同客户沟通过,所以每次客户通过Paypal付款,Paypal都要扣掉一定比率的费用。决定以后有机会跟客户沟通一下,让他们改一下付款理由,看看能不能帮我省一些出来,呵呵~~ 毕竟翻译挣钱太辛苦。

因为款额都比较散,几个客户都是几百美元这样,所以也没去了解其他收款途径,比如上次有同仁推荐的西联等,只有以后再慢慢了解了。


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Rita Pang  Identity Verified
Canada
Local time: 13:46
Member (2011)
Chinese to English
+ ...

Moderator of this forum
Pricing Jun 5, 2013

Marvin Sun wrote:

Hi, Rita,多谢你的回复。

国内是比较复杂,将Paypal上的钱转回国内貌似只有转账和支票托收两种可行途径。

转账费用Paypal收35美元,托收费用比较低,才5美元,时间可能比较长点。如果不急着用那笔钱而且汇率变动不是过于夸张,感觉走托收还是蛮划算的。

至于客户给我付款的问题,一直没有同客户沟通过,所以每次客户通过Paypal付款,Paypal都要扣掉一定比率的费用。决定以后有机会跟客户沟通一下,让他们改一下付款理由,看看能不能帮我省一些出来,呵呵~~ 毕竟翻译挣钱太辛苦。

因为款额都比较散,几个客户都是几百美元这样,所以也没去了解其他收款途径,比如上次有同仁推荐的西联等,只有以后再慢慢了解了。


Hey Martin,

I am sure you have reconsidered all of this already, but I guess the following can always be taken into consideration with paypal transactions:

1. Inform your client that you will need to charge them extra for PayPal fees. If not, at least include that fee into your rates. I have noticed that rates vary, so the majority of the time I factor in 3.9% on top of the rate. I have however instances where the fees definitely exceed 3.9%.
2. If your client chooses to pay you as in paying for "goods and services", chances are you will be the one who's getting your money deducted (re: paypal experts, correct me if I am wrong). IF you are on good terms with your client, try to suggest to them to send the sum to you as a "gift", and this way the client will cover the fees, which I believe is a little bit less in terms of percentage instead of a business transaction.
3. Moneybooker. I have been told that Moneybooker has more reasonable fees than PayPal, but PayPal seemed to be more widespread. There's a couple of threads in this forum where people asked about transactions via Moneybooker- perhaps those discussions might be of use to you.

IMO, the best way is to be frank and inform your client that you are going to factor in PayPal fees into your rate for future projects, so that they can understand where your price increase is coming from. In an ideal world, they will say "no problem! We understand!" In not so ideal a world i.e. the one we work in, if increasing rates with old clients is not possible, be sure to have your rates calculate in these extra fees when collaborating with new clients.

Good luck!


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Zhoudan  Identity Verified
Local time: 01:46
Member (2007)
English to Chinese
+ ...
这个要小心 Jun 5, 2013

如果你的客户是公司,PayPal的帐户也是公司的话,就不能选择个人项目付款。有一个客户用公司帐户通过Personal Payment给我付款,结果PayPal就给我写信,叫我告诉客户不要这样做,否则要把我的帐户升级为Merchant!

Rita Pang wrote:


我其中一个客户以前就是用 Paypal cheque 付款的。因为我身处北美,我所使用的银行在美国有业务,所以其转账服务让我不需付出其他费用就可直接把款项调动。但我记得当时每一次收钱paypal都会在那张支票上扣一定费用。

你的客户不能用普通付款项目(如个人项目,“gift”这种选项)给你付款吗?


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Rita Pang  Identity Verified
Canada
Local time: 13:46
Member (2011)
Chinese to English
+ ...

Moderator of this forum
Excellent point! Jun 5, 2013

Zhoudan wrote:

如果你的客户是公司,PayPal的帐户也是公司的话,就不能选择个人项目付款。有一个客户用公司帐户通过Personal Payment给我付款,结果PayPal就给我写信,叫我告诉客户不要这样做,否则要把我的帐户升级为Merchant!

Rita Pang wrote:


我其中一个客户以前就是用 Paypal cheque 付款的。因为我身处北美,我所使用的银行在美国有业务,所以其转账服务让我不需付出其他费用就可直接把款项调动。但我记得当时每一次收钱paypal都会在那张支票上扣一定费用。

你的客户不能用普通付款项目(如个人项目,“gift”这种选项)给你付款吗?


Yup, to follow up on that, the only reason why it worked for me was because my client used his own personal account which was associated to a personal email (i.e. not a business account).


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