支付宝线下收单
支付宝微信收款营销开通步骤
2、微信公众号中服务号支付权限及其他权限均高于订阅号，如需使用更多功能需申请微信公众号（分为订阅号、服务号、企业号三类）中的服务号再进行二次开发。微信公众号必须要微博（腾讯微博和新浪微博均可）实名辅助认证，腾讯微博和新浪微博实名认证均要求粉丝达到100以上且等级高于三级（其余要求不尽相同），因腾讯微博升级缓慢、使用人数较少、覆盖面不够所以建议使用新浪微博辅助认证，新浪微博认证要求：等级三级以上，粉丝大于100，实名互粉好友至少两个（即新浪微博橙V号），橙V辅助转发认证微博可加速认证进度，建议使用新浪微博站内互粉应用加粉。微信申请为非邀请制且每次审核（无论通过与否）均需缴纳300元认证服务费用（该费用由商户自行承担），服务号实名审核通过后方可继续进行微信支付功能申请，开通支付功能之后需要向腾讯缴纳两万元保证金方可使用微信支付功能，之后步骤基本与支付宝基本相同，微信和支付宝可以共用扫码枪及小票打印机，但微信无声波收单服务
蚂蚁金服支付宝商户收单服务说明书
Schedule of ServiceD.Alipay Merchant Acquiring Service (“Alipay Acquiring Service” or “Schedule”)A) GENERAL(i) Due Diligencea. Where reasonably requested by the Company at any time, the Merchant will provide a copy of its constitutional documents(such as its corporate registration documents) and such other relevant background or operational information as the Company reasonably believes may assist it in assessing the Merchant (the “Due Diligence Obligations”).b. Failure to comply with the Due Diligence Obligations will be a material breach of this Schedule by the Merchant.c. Before the Company provides the Alipay Acquiring Services, the Merchant will provide the Company with all or such partof the following information as is requested by the Company (collectively, the “Due Diligence Information”):i. email address,ii. legal and beneficial owner information,iii. business name (registered and 'trading as' name),iv. photos of a retail store where Spot Payment is offered,v. business operating address, andvi. any other relevant information upon the Company’s reasonable request from time to time.d. The Merchant will notify the Company of any changes to its Due Diligence Information in a timely manner as soon asreasonably practicable following such change.(ii) Effective DateThis Schedule shall become effective on the date of the Master Agreement For Payment Solutions entered into between the Company and the Merchant.B) SPECIFIC TERMSThe specific terms and conditions of this Schedule appear in Parts A to D of this Schedules hereto.Part AALIPAY SERVICES, SERVICE FEES AND SETTLEMENT1.Service Description.The Company processes Payments from Alipay Users on behalf of Merchant for purchase of Products, enable Merchant to accept payment from Alipay Users,during the term of this Schedule, the Company shall procure Alipay to grant to the Merchant the right to, and the Merchant shall be entitled to, accept the use of Alipay Wallet as offline and online (subject to the Company’s absolute discretion) payment solution for the Products by Alipay Use r/the Merchant’s customer (“Alipay Acquiring Services”). All risks and responsibilities in relation to the Payment shall be addressed and shouldered by the Alipay User and the Merchant.2.Service Feea)General. Merchant shall pay the Company the following fees (the “Service Fee”) in accordance with Clause2(b) of this Part A:For Online and Offline Spot Payment, the Company will charge the Merchant the Service Fee at theapplicable rate set forth in the table below:For online Payment, the Company will charge the Merchant the Service Fee at [ ]%For offline transactions, the Company will charge the Merchant the Service Fee at [ ]% (forMerchant-Presented QR Code).All payments of the Service Fee shall be exclusive of any Tax.b)Payment of Service Fee. The Merchant agrees that the Company may deduct, in whole or in part, any ServiceFee that is due and payable but have not otherwise been paid by the Merchant, from the relevant FundsAvailable for Settlement.c)Over/Under-Charges. If the Company charges the Merchant more than the Service Fee set forth in thisSchedule, the Company will return the additional Service Fee charged to the Merchant as soon as practicable.If the Company charges the Merchant less than the Service Fee set forth in this Schedule, then Merchant shallpay the amount of outstanding Service Fee to the Company as soon as practicable upon the Company’s request.3.Alipay Settlement Processa)Bank Account. The Merchant will bear all losses arising from the incorrect information of its banking details asprovided to the Company in this Schedule.b)Funds Transfer. Subject to the Company exercising its rights to withhold, deduct or set off in accordance withthis Schedule, the Company will transfer to the Merchant an amount equal to the "Net Settlement Amount" inaccordance with the formula set out below:Net Settlement Amount= Settlement Funds –Refunds (if any, as specified under Clause 3(f) below) -Chargebacks (if any) - any other amount that the Company may deduct in accordance with its rights to withhold,deduct or set off under this Schedule; andWhere: Settlement Funds =Funds Available for Settlement – Service Fee.c)Settlement File.Following the transfer of any Net Settlement Amount to the Merchant’s designated bankaccount, the Company will provide, on the same Working Day, a file containing the relevant settlementinformation (“Settlement File”) in relation to that Net Settlement Amount.d)Incidental Fee for Fund Transfer. In connection with transferring the Net Settlement Amount to the Merchantin accordance with this Part A, the Merchant will be solely responsible for bank charges (if any) imposed bybanks through which the Company initiates the transfer of such Net Settlement Amount. For any other fees orcharges imposed by beneficiary banks (where Merchant has a bank account), intermediary banks or otherpayment service providers passing or receiving such Net Settlement Amount on behalf of the Merchant, theMerchant shall be solely responsible for any such fees or charges.e)Refunds.(A)If an Alipay User requests and is due a Refund in accordance with a Merchant’s after-sale servicepolicy or a Refund is required by Applicable Law, the Merchant (as appropriate) will instruct theCompany in a timely manner to make such Refund to the Alipay U ser’s Alipay Account in accordancewith the Refund process to be agreed between the Company and the Merchant.(B)The Merchant hereby agrees to reimburse the Company for each such Refund and for that purposeauthorizes the Company to deduct the amount of each Refund from the Settlement Funds and returnsuch Refund to the relevant Alipay User in accordance with this Clause 3(e).(C)If the amount of the Settlement Funds is not sufficient to process the relevant Refund, the Company willbe entitled to process the Refund only after the amount of such Settlement Funds becomes sufficient topay the amount of such Refund or after the Company otherwise receives from the Merchant an amountsufficient to process the Refund. For the avoidance of doubt, the Company shall not be responsible forany claim or liability that the relevant Alipay User may seek Merchant in the event of any delay inprocessing such Refund.(D)Alipay will not charge any Service Fee in respect of any Refund from the relevant Settlement Fund.Any Service Fee related to a Payment that is subject to a Refund and which has already been deductedfrom the Funds Available for Settlement will be repaid to the merchant by the Company upon theRefund being paid to the Company.(E)the Company only accepts and processes Refund instructions from the Merchant if the request for theRefund is made within ninety (90) days from the date of the Transaction, except for Products relating toair travel that have been specifically agreed by both Parties which the Company will accept and processa request for any Refund up to three hundred and sixty five (365) days from the Transaction date.(F)The Merchant will ensure that any Refund is only effectuated through the system interface provided bythe Company. Any alternative methods for the Refund, including but not limited to bank remittance, aredisallowed.f)Settlement and Settlement Limit. T he Company will transfer the Net Settlement Amount in Hong Kong Dollarto the Merchant’s designated bank account (as provided in the Agreement) within one (1) Working Day fromthe date of Transaction. T he Company reserves the right to adjust the Settlement Limit and charge a fee forSettlement during the Renewal Term(s).g)Enquiry Regarding Settlement. Any enquiry by the Merchant with respect to settlement shall be made inwriting and the Merchant shall provide any information reasonably required by the Company to assist with suchenquiry. T he Company will, acting in a commercially reasonable manner, assist the Merchant in resolving therelevant matter and provide a written response to the Merchant within seven (7) Working Days after receivingsuch written enquiry from Merchant.4.Rules for Risk Management.a)The Merchant agrees that, if the Company determines in its sole discretion that certain features of the AlipayAcquiring Services may be subject to high risk of Unauthorized Payment or fraudulent Transaction, theCompany may suspend or terminate, with reasonable notice, the provision of such part of the Alipay AcquiringServices, including but not limited to adjusting the types, issuing banks and payment limit (whether perTransaction or per day) of the credit card and/or debit card Alipay Users will be able to use to complete thePayment from time to time.b)The Merchant to use its best efforts to promptly answer Alipay User’s enquiries and resolve any disputes inrelation to the goods and/or services provided by the Merchant.c)The Merchant shall be responsible for all costs and loss incurred by any disputes in relation to the goods and/orservices provided by the Merchant and any Unauthorized Payment if such Unauthorized Payment is caused byor due to the Merchant’s default with respect to Transactions, including but not limited to Chargebacks andrelated costs, and the Merchant will comply with the following rules:(A)Transaction Evidence. The Merchant will ensure to provide the Transaction Evidence within three (3)Working Days upon the Company’s request.(B)Reimbursement. If the Company does not receive the Transaction Evidence, or the Company deems theTransaction Evidence to be inadequate, or the Merchant accepts the Chargeback, or the arbitration orpre-arbitration result is not in favor of the Merchant, in the case that the Merchant elects to proceedwith the arbitration or the pre-arbitration (or equivalent procedure) to resolve the Chargeback and sucharbitration or pre-arbitration (or equivalent procedure) determines that there is a Chargeback, theChargeback amount regarding the Transaction in question will be deducted from the Settlement Fundsin the next settlement cycle in accordance with Clause 3 (b) of this Part A. .(C)Reimbursement Obligation. Provided Transaction Evidence has been requested, the Company may,having made due enquiry of the Alipay User, determine to reimburse an Alipay User in the event ofany Unauthorized Payment. The Merchant agrees to indemnify and hold harmless the Company for theamount to be agreed between the Merchant and the Company (each acting reasonably) reimbursed tothe Alipay User. In the event of any disputes in relation to the goods/services with card payments, theMerchant agrees to follow card association’s rules.5.Payment Policiesa)Responsibilities for Service Fee. The Merchant will pay any Service Fee for using the Alipay Services and willnot, directly or indirectly, transfer any such Service Fee, that it may be charged, to the Alipay Users in addition to what a Merchant would charge a customer for the relevant Transaction in the normal course of business.b)Alipay Wallet as Payment Method. The Merchant will not restrict its customers in any way from using AlipayWallet as a Payment method at checkout at any sales channel, including but not limited to requiring a minimum or maximum purchase amount (except due to the transaction control required by Applicable Laws) from customers using Alipay Wallet to make Payments.c)Prohibited Products. The Merchant fully acknowledges that must not provide Alipay Acquiring Services withrespect to any Transaction which is prohibited by this Schedule (including Payments in relation to Prohibited Products), Applicable Law or violates the Company and Alipay’s internal policies (as notified to the Merchant from time to time), or which will result in the Company being considered to have breached any Applicable Law.The Merchant will provide the Company information about its Merchant’s Products as reasonably requested by the Company from time to time. The Merchants will not sell Products through Alipay’s and the Company’s Platform that contain articles prohibited or restricted from being sold to Alipay Users under any Applicable Law, including without limitation the products listed in Appendix I, which may be updated by the Company and/or Alipay and notified to the Merchant from time to time (together, “Prohibited Products”). The Merchant will ensure that no Transaction being submitted for the Company’s processing involves or relates to any Prohibited Products (“Prohibited Transaction”). T he Company will have the right to refuse to provide any Alipay Acquiring Services with respect to any Prohibited Transaction and the Merchant will indemnify the Company for any damages, losses and liabilities that the Company may suffer arising from or in connection with such Prohibited Transactions.d)Products.The Merchant will use Alipay Acquiring Services only for the Products in connection withMerchant’s principal business as notified by the Merchant to the Company in accordance with this Schedule. The Merchant shall not make a request for Payment or settlement for any Transaction unless the Merchant is in the course of conducting a sales and purchase transaction with respect to the provision of the Products to Alipay Users. Cash Advances by the Merchant or by Merchant to Alipay Users are not allowed in any circumstances.The Merchant hereby agrees, warrants and represents to the Company on each of its request for Payment that each relevant Transaction thereunder has been duly and properly authorized and completed according to the terms and conditions of this Schedule and that the details of the Transactions are true and correct.e)Storage of Transaction Information. The Merchant will, maintain the records for each Transaction to justifyits authenticity for a period of seven years after the completion of the Transaction and the Company shall be entitled to review or otherwise access such records. Subject to any legal restrictions under Applicable Law, The Merchant will ensure that the Company, Alipay, the relevant service providers of Alipay and the Company and/or regulatory or governmental authorities having jurisdiction over Alipay and the Company be provided with or granted access to, the relevant Transaction information including but not limited to information on each Merchant, Products, and the amount, currency, time and counterparties to each Transaction, within three (3) Working Days of the Company’s request. Subject to any restriction under Applicable Laws, the Company will advise the Merchant of the names of such service providers or regulatory/governmental authorities and the subject matter to which such requests relate.f)Set off & Withholding. The Merchant agrees that the Company shall be entitled, at its sole discretion, to set off,withhold settlement of or deduct any sums payable and liability of any nature from time to time due, owing or incurred by the Merchants) to the Company(or any the Company Affiliate) under this Schedule against any monies and liabilities of any nature, including Payments, from time to time due, owing or incurred by the Company under this Schedule. The circumstances under which the Company may exercise its rights under this Clause include, but are not limited to,:(A)if the Merchant fails to comply with any term of this Schedule;(B)if the Company believes that the Merchant has or is likely to become subject to bankruptcy,insolvency, reorganization, winding up or similar dissolution procedures;(C)if the Company reasonably believes that there has been a material deterioration in the financialcondition of the Merchant; and(D)if the Company reasonably believes that any Transaction is a Prohibited Transaction.The Merchant shall not be entitled to retain or set-off any amount owed to it by the Company against any amountdue from the Merchant (or its Merchants) to the Company.6.Cooperation with the Company.a)In consideration of the mutual agreements and promises set forth in this Schedule, and for other good andvaluable consideration the receipt and sufficiency of which is hereby acknowledged, for the Term of thisSchedule, The Merchant, including its Affiliates, and its and their officers, shareholders, directors shall not inany way engage in any other payment acquiring service (other than the Service).b)The Merchant agrees that the limitations in this Clause are in the public interest by protecting the general publicfrom confusion and the passing off of other competing services and that the preferential rates as stipulated underthis Schedule adequately compensate it for these limitations.Part B ALIPAY ACQUIRING SERVICE TERMS AND CONDITIONS1.Definitions. Capitalized terms not defined in this Part B will have the meaning given to them in this Schedule includingthose set out in Part D, unless the context requires otherwise.2.Alipay Acquiring Services. T he Company will provide the Merchant certain service as described in Part A. Each of theCompany and the Merchant will perform and comply with its respective responsibilities set forth in this Schedule.3.Fees. In consideration for the Company providing the Alipay Acquiring Services to the Merchant in accordance with the termsof this Schedule, the Merchant will pay the Company the Service Fee and other fees or charges as set out in Part A. T he Company reserves the right to adjust such fees upon thirty (30) days prior written notice.4.Representations and Warranties. Each Party makes each of the following representations and warranties to the other Party,and acknowledges that such other Party is relying on these representations and warranties in entering into this Schedule.A.Authorization. The Party represents and warrants the following (collectively, the “Authorization Warranties”):(i)it is an independent corporation duly organized, validly existing and in good standing under the laws of jurisdictionof its incorporation;(ii)it is properly registered to do business in all jurisdictions in which it carries on business;(iii)it has all licenses, regulatory approvals, permits and powers legally required to conduct its business in each jurisdiction in which it carries on business; and(iv)it has the corporate power, authority and legal right to execute and perform this Schedule and to carry out the transactions and its obligations contemplated by this Schedule.B.Validity. Each Party represents and warrants that once duly executed by the Party this Schedule shall constitute valid andbinding obligations on the Party, enforceable in accordance with its terms. Except as otherwise stated in this Schedule, no approval or consent of any person or government department or agency is legally or contractually required to be obtained by the Party in order to enter into this Schedule and perform its obligations.C.No Conflicts. Each Party represents and warrants that (a) the execution of this Schedule, nor (b) the consummation bythe Party of this Schedule will (i) conflict with the certificate of incorporation or by-laws or any other corporate or constitutional document of the Party or (ii) breach any obligations of the Party under any contract to which it is a party or (ii) violate any Applicable Law.D.Litigation.Each Party represents and warrants that there is no litigation, proceeding or investigation of any naturepending or, to the Party’s knowledge, threatened against or affecting the Party or any of its Affiliates, which would reasonably be expected to have a material adverse effect on its ability to perform its obligations under this Schedule.pliance with Law.A.General. Each of the Parties will comply with any Applicable Law in connection with the operation of its business andperformance of its obligations under this Schedule. Merchant will at its own cost, keep such records and do such things as are reasonably necessary to ensure that Alipay and the Company complies with any Applicable Law; provided always that Merchant shall not be required to do anything which is inconsistent with or in breach of any applicable laws.rmation Verification. In order for Alipay to satisfy its obligations and to comply with the relevant requirementsunder Applicable Law, upon reasonable request by Alipay, Merchants will share, records and information (including Transaction information and records with Alipay from time to time and Alipay is authorized by Merchant to provide the relevant records and information to governmental agencies, regulatory authorities and third party service providers for examination and verification as necessary.C.AML Requirements. The Merchant shall comply with all Applicable Law on anti-money laundering, counter-terrorismfinancing and sanctions (together “AML”). The Merchant shall fully cooperate with the Company’s reasonable due diligence (on site or in writing) of the Merchant’s AML polici es and procedures, including but not limited to merchantmanagement, sanctions and political exposed people review, suspicious transactions monitoring and reporting. In accordance with its AML, anti-fraud, and other compliance and security policies and procedures, the Company may impose reasonable limitations and controls on Merchant’s ability to utilize the Alipay acquiring Services. Such limitations may include but are not limited to rejecting Payments and/or or suspending/restricting any Alipay Acquiring Service with respect to certain Transactions.6.Disclaimer.TO THE EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLYSTATED, ALIPAY DISCLAIMS ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, COMMON LAW OR STATUTORY INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE, LICENSEABILITY, DATA ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND USE OF REASONABLE SKILL AND CARE OR THAT THE ALIPAY SERVICES, THE ALIPAY PLATFORM OR ANY APPLICATION, WEBSITE, PRODUCT PROVIDED OR USED IN CONNECTION WITH THE ALIPAY SERVICES WILL BE ERROR FREE OR OPERATE WITHOUT INTERRUPTION.7.Indemnification.A.General Indemnity.Subject to Clause 8 below, each Party (the “indemnifying Party”) will indemnify the other Party(the “indemnified Party”) from and against all actions, claims, demands, liabilities, obligations, losses, costs (including, but not limited to legal fees, expenses and penalties) and interest suffered, incurred or sustained by or threatened against the indemnified Party arising out of any breach or violation of this Schedule by the indemnifying Party or any gross neglect, willful misconduct, fraud or dishonesty by the indemnifying Party or any of its employees or agents.B.Third party IP Indemnity for Alipay. The Merchant shall indemnify and defend Alipay and its Affiliates from andagainst any claim that any license the Merchant and/or its Affiliates granted under Clause 9 of Part B or the exercise thereof in accordance with this Schedule constitutes an unauthorized use or infringement of any Intellectual Property rights of a third party (“IP Claim against Alipay”).C.Notwithstanding anything to the contrary, nothing under this Schedule shall be construed to exclude or limit Company’sliability in connection with its obligations under Clause 3 of this Part B.8.Limitation of Liability. To the extent permitted under Applicable Law, under no circumstances will Alipay and theCompany or its Affiliates be liable under any theory of tort, contract, strict liability or other legal or equitable theory for lost profits (whether direct or indirect), indirect, incidental, special, consequential or exemplary loss or punitive damages, each of which is excluded by agreement of the Parties regardless of whether such losses and/or damages were foreseeable or whether Merchant had been advised of the possibility of such damages. Notwithstanding anything in this Schedule to the contrary, other than Alipay’s settlement obligations under Clause 3 of Part A, Alipay’s aggregate liability, including for claims, expenses, damages or indemnity obligations under or in connection with this Schedule or the Alipay Services, will not exceed the lesser of (a) USD$500,000 and (b) the total fees payable by Merchant to Alipay for the Alipay Services provided in the Twelve (12) complete calendar months preceding the date of the first event giving rise to a claim upon which liability is based.9.Intellectual Property.A.The Company’s License to the Merchant. T he Company owns all rights, title or interests in and to the IntellectualProperty associated with the provision of the Alipay Acquiring Services, or has otherwise been granted the appropriate licenses by the relevant owner with respect to such Intellectual Property. Subject to the terms of this Schedule and, as the case may be, any agreement between the Company and the owner of the relevant Intellectual Property, the Company hereby grants Merchant during the term of this Schedule, a license to use the relevant Intellectual Property in the Alipay Acquiring Services, the Alipay Acquiring Platform and the Alipay branding and logo (it owns or is entitled to use) solely for the purpose of using the Alipay Acquiring Services in accordance with this Schedule. Such license to use the relevant Intellectual Property granted in favor of Merchant is non-exclusive, non-sublicensable (other than to Merchants as permitted by and in accordance with Clause 4 of Part C) and non-transferrable, and may be modified or revoked by the Company in writing at any time during the term of this Schedule. The Merchant shall be permitted to use Alipay's branding and logo solely as required for the purpose of using the Alipay Acquiring Services and strictly in accordance with the provisions of Clause 4 of Part C. T he Company agrees that the licenses granted under this Clause 9 and the Merchant's use of such Intellectual Property under this Schedule will not confer any proprietary right, and the Merchant agrees to take reasonable care to protect all such Intellectual Property from infringement or damage and cease all use of such Intellectual Property immediately upon termination of this Schedule.B.The Merchant’s License to the Company. During the term of this Schedule for the limited purposes of performing theobligations set forth in this Schedule and subject to the terms of this Schedule, the Merchant grants to the Company a non-exclusive, non-transferable, royalty-free license to use, reproduce, publish, distribute and transmit any of the Merchant ’s marketing materials, proprietary indicia or other similar items containing the Intellectual Property of the Merchant("Merchant IP") necessary for the Company to perform its obligations contemplated by this Schedule and to refer to the name of the Merchant in the public announcement as one of the partners using the Alipay Acquiring Services. The Merchant represents and warrants to the Company that it has obtained all necessary authorities, permissions, approvals and licenses to license the Merchant IP to the Company and that the Merchant IP does not infringe the Intellectual Property of any third party.10.Data privacy. Each Party will take all commercially reasonable endeavours to ensure that the Personal Information isprotected against misuse and loss, or unauthorized access, modification or disclosure and will promptly notify the other Party of any loss of, or any unauthorized disclosure of or access to, the Personal Information. Each Party may retain records of Payments for complying with Applicable Law a nd internal compliance requirements. “Personal Information” means personal information or data, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or data, processed by either Party in connection with this Schedule. T he Company may transfer Transaction data, including Personal Information, to any of its Affiliates that have been delegated any of its obligations under this Schedule.11.Taxes.A.To the extent permitted by Applicable Law, all Taxes arising from or in connection with all payments between theCompany and the Merchant under this Schedule shall be for the account of and liability of Merchant, unless agreed otherwise in writing by the Parties.B.For the avoidance of doubt, (i) all amounts payable by the Merchant to the Company under this Schedule are exclusive ofany Taxes imposed by the relevant taxation authority of applicable jurisdictions to which the Merchant is subject which shall be for the account of the Company; and (ii) any Taxes imposed by the relevant taxation authority of applicable jurisdictions to which the Merchant is subject, including without limitation value added tax or other Taxes of similar nature, arising out of or in connection with any Transaction or this Schedule, shall be for the account of the Merchant.C.Each Party shall be responsible for any and all Excluded Taxes that it is liable for under Applicable Law.D.Where a Party is required under Applicable Law relating to tax to fulfil its tax obligations, including but not limited tocommon reporting standard, imposed by any taxation authority, the other Party shall promptly provide information and documents as requested by that Party to the extent permitted by Applicable Law.E.Nothing contained in this Schedule is intended to result in one Party assisting the other Party to evade any Taxes in theapplicable jurisdictions to which the other Party is subject.12.Confidential Information.Each Party acknowledges that the Confidential Information of the other is valuable to it andagrees to treat all Confidential Information received from the other Party in connection this Schedule as confidential. Neither Party will disclose such Confidential Information to any third party except to perform its obligations under this Schedule or as required by Applicable Law or government authorities, and in each case, the disclosing Party will, to the extent permitted under Applicable Law, give the other Party prior notice of such disclosure. Upon termination of this Schedule or at the written request of the other Party, each Party will promptly return or destroy all material embodying Confidential Information of the other. Notwithstanding the foregoing, each Party may retain reasonable copies of the other Party's Confidential Information to comply with Applicable Laws or in order to exercise its rights under this Schedule, provided that such retained Confidential Information will not be disclosed or used for any other purposes. “Confidential Information” means all non-public, proprietary or other confidential information, whether in oral, written or other form, including but not limited to: the content and performance of this Schedule, business plans, capitalization tables, budgets, financial statements; costs, prices, and marketing plans, contracts and licenses, employee, customer, supplier, shareholder, partner or investor lists, technology, know-how, business processes, trade secrets and business models, notes, sketches, flow charts, formulas, blueprints, and elements thereof, and source code, object code, graphical design, user interfaces and other Intellectual Property, including that of any customer, supplier or other third party (including, in the case of the Company, the interface technologies, security protocol and certificate to any other website or enterprise provided by the Company) .13.Publicity. Neither Party will issue any press release or make any public announcement pertaining to this Schedule without theprior written consent of the other Party unless required by Applicable Law binding the Party. However, the preceding limitation will not be interpreted to prevent Alipay from making general statements about Alipay’s business or about services similar to the Alipay Services in or outside of the jurisdiction where Merchant is located.14.Notice.All business correspondence in relation to the business as usual operation of the Alipay Acquiring Services andamendment of any matters in relation to this Schedule (other than in respect of notification of a change of Company legal name) will: all notices and other communications given in connection with this Schedule (including changing any terms of this Schedule and, in the case of the Company, notification of a change of Company legal name) will be in writing, and will。
第三方网上跨境支付存在的问题与政策性建议
第三⽅⽹上跨境⽀付存在的问题与政策性建议lectronic Payment随着国内⽀付市场竞争⽇趋⽩热化，境外业务越来越受到⼤型第三⽅⽹上⽀付机构的重视。
以国内知名的第三⽅⽹上⽀付机构⽀付宝为例，其跨境⽀付业务的年增速超过100%。
为了满⾜境内个⼈通过⽹络购买境外商家物品的⼩额⽀付需求，⽀付宝与国内银⾏合作开展了境外收单业务。
在现⾏管理体制下，此项业务有其现实可⾏性和必要性，但同时也对当前的外汇管理⼯作提出了更⾼要求，对⽹络及电⼦商务快速发展中的外汇收⽀管理带来了挑战。
如何积极⽀持⽹上跨境⽀付，有序疏导外汇流出，值得我们作进⼀步的调查和思考。
⼀、境外收单的业务流程与可⾏性分析1.境外收单的业务流程通过与国内银⾏的合作，⽀付宝为境内的买家在境外购物提供便利的电⼦⽀付⼿段，境外商户可直接收到对应币种货款。
具体业务流程主要分为前台购物⽀付流程和后台购汇清算流程。
前台购物⽀付流程是境内买家拍下境外商家的货品后，按显⽰的⼈民币报价⽀付相应款项到⽀付宝，尔后境外商户向境内买家发货。
后台购汇清算流程主要发⽣在⽀付宝和境内合作银⾏之间，由⽀付宝向境内合作银⾏查询汇率并向境内买家显⽰⼈民币交易价格，同时根据交易情况通过银⾏进⾏批量购汇，在买家收到货物后向银⾏发送清算指令，通过SWIFT直接将外币货款打⼊境外商户开户银⾏，从⽽完成整个交易。
2.开展境外收单业务的可⾏性分析（1）便利⽹上跨境交易和⼩额汇兑⽀付交易。
第三⽅⽹上⽀付机构尚不能直接提供本外币转换⽀付服务，即境内客户如需⽹上购买境外商品，必须直接以外币⽀付或在⽹下通过银⾏⽀付，境外商家也⽆法实时向境内买家提供商品的⼈民币报价。
⽽⽀付宝境外收单业务却解决了这⼀交易瓶颈，境内买家可以实时获取境外商家的⼈民币报价并以⼈民币⽀付货款，境外商家也可以通过⽀付宝直接收到相应的外币货款，满⾜了⽹上跨境交易产⽣的汇兑和⽀付需求。
第三⽅⽹上跨境⽀付存在的问题与政策性建议中国⼈民银⾏太原中⼼⽀⾏郝建军国家外汇管理局⼭西省分局王⼤贤67E电⼦⽀付lectronic Payment（2）有利于⽹上个⼈跨境交易的规范管理。
线下扫码支付代理加盟--支付宝授权渠道商
线下支付是指相对于网上支付来讲的。
网上支付一般是通过第三方支付平台实现的，譬如支付宝、财付通、百付宝等。
具体操作是先开通网上银行，再把一定资金通过本人许可转入到支付平台上，在网络购物中，可以通过支付平台上的预留资金购买物品。
线下扫码支付-扫码支付代理加盟--支付宝授权渠道商选杭州首展科技。
随着移动电商的不断发展，智能终端的高速普及，移动电商给用户的体验也在不断提升，尤其在突破小屏浏览体验不佳的壁垒后，移动电商的用户量不断扩大，在移动电商平台流量不断高增长的同时，最大的受益者无疑为移动支付。
在海量的成交单背后，移动支付成为订单完成的关键环节，数百亿资金的流转均通过移动支付手段实现。
1.安全稳定的服务，采用阿里云服务器，坚如磐石，异地容灾，异地多活，金融级数据加密，保证客户服务的安全性、稳定性。
2.丰富多元的产品提供商家收银、财务清算、营销管理、定制开发等多元化的产品服务，充分满足不同体量、不同行业客户的需求。
3.优秀的产品体验专业的产品经理、UI设计师和技术工程师，结合运算能力强大的服务器集群，为用户提供流畅便捷的产品体验。
付呗是杭州首展科技有限公司专门为商家量身打造的移动支付应用客户端以支付为切入点，涵盖了收银、会员营销、兑换券、卡券核销等一整套的支付服务解决方案，实时查看交易数据，随时随地接单，随时随地扫码收款，让生意变得轻松随意。
相比传统的支付方式，有着非常明显的优势，主要包括以下几点：1.碎片化的支付世界，终于合而为一。
2.开发者无需重复集成繁琐的支付接口，使用付呗聚合支付就能应对所有场景。
3.快速接入支付功能，同时享有高效能、安全可靠的底层设施。
此外付呗更提供了如智慧政务、智慧民生、智慧机场、智慧停车、智慧商圈等一系列行业解决方案。
线下扫码支付-扫码支付代理加盟--支付宝授权渠道商选杭州首展科技。
第三方支付公司的组织结构一般模式
支付知识第三方支付公司其组织架构有那些呢？支付宝组织结构图一设总裁或者总经理办公室为集团总部领导人员总裁办公室下设行政部办公司管理日常琐碎事宜并管理所有人员的考情和出差订票等事宜二市场部1 分支机构管理部门管理全国分支机构用户协调全国分支机构和总部各部门的沟通2 产品规划部用户规划全国产品和营销方案的设计3 集团项目部用于全国的项目规划落地4 商圈建设部实行全国的商圈建设和商户的接入5 分支机构的省市分公司实现全国各地区的销售和后续的维护和管理三运营部1 客服部负责全国用户的咨询和事物的处理2 运维技术部负责整体系统的维护3 产品测试部负责产品的测试和上线4 对外宣传部负责对外宣传和官方网站的建设5 运营合作部负责配合市场做技术支撑和活动配合四技术研发部负责产品的研发和技术服务支撑根据项目设立部门五风险规规范部1 风险管理部负责数据监督和风控事宜2 金融行业部负责金融行业协调和配合市场做相关事物处理3 清算中心组负责每日的数据核对和相关数据清算4 合同管理部主要是法律和合同管理事宜六财务部摘要：第三方支付是现代金融服务业的重要组成部分，作为独立机构提供的交易支持平台。
也是中国互联网经济高速发展的底层支撑力量和进一步发展的推动力。
2013年，余额宝的崛起，开启了全民理财的新篇章，也让其他第三方支付公司看到了金融理财巨大的市场。
第三方支付是现代金融服务业的重要组成部分，作为独立机构提供的交易支持平台。
也是中国互联网经济高速发展的底层支撑力量和进一步发展的推动力。
2013年，余额宝的崛起，开启了全民理财的新篇章，也让其他第三方支付公司看到了金融理财巨大的市场。
突围策略第三方支付命悬一线转型瞄准综合金融服务“现在的市场环境纯做支付很难挣钱，第三方支付必须转型，布局其他业务，否则必死。
”近日，一位银联内部人士告诉《每日经济新闻》记者。
记者深入支付机构调查发现，目前支付机构充当融资中介，行业里比较普遍，大型支付机构均有涉足，模式大致是支付机构向银行提供商户交易流水和信息，由银行审核后放贷。
支付收单介绍
谁参与收单？
支付收单表现形式
目前，我国第三方支付企业按照业务类型大体可以划分为三种表现形式：
网络支付
依托大型B2C、C2C等网站的网关支付，如支付宝、财付通、快钱等；网络支付是指依托公共网络或专用网络在收 付款人之间转移货币资金的行为，包括货币汇兑、互联网支付、移动电话支付、固定电话支付、数字电视支付等。
招
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培： ：
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何为支银行卡交易处理及资金结算等 金融服务，获取手续费收入的业务。 现阶段，收单业务根据持卡人支付载体 的不同分为线上收单和线下收单。
银行卡收单业务
线下收单-----为商户提供的具备银行卡信息读入 装置生成银行卡交易指令要素的各类支付终端， 包括POS终端、自助ATM收单等类型，持卡人通 过刷卡完成交易。
预付卡
以营利为目的发行的、在发行机构之外购买商品或服务的预付价值，包括采取磁条、芯片等技术以卡片、密码等 形式发行的预付卡。代表有电信行业，移动、联通、电信手机预付费卡，公交卡，一卡通等。
银行卡收单
通过销售点(POS)终端等为银行卡特约商户代收货币资金的行为。如瑞银信、汇付天下。
支付宝
阿里巴巴系列研究之支付宝2011年7月29日，阿里巴巴集团、雅虎、软银三方就支付宝股权转让事件签署协议，根据协议规定，阿里巴巴集团将获得支付宝变现时股权价值的37.5%，且不低于20亿美元不超过60亿美元，另外在变现发生之前阿里巴巴集团将获得支付宝49. 9%的税前利润，作为相关知识产权许可费和软件技术服务费，Jefferies 据此对支付宝估值53-160亿美元。
这份协议也宣告支付宝自2003年10月上线后正式“脱离”阿里巴巴集团，截止20 10年12月，支付宝用户数突破5.5亿，日交易额25亿人民币，日交易笔数达到8 50万笔，本文将根据相关公开资料对支付宝的发展历程，商业模式、行业状况、发展前景及风险做一解读。
一、发展历程：“植根淘宝”到“独立支付平台”支付宝发展历程大体上经历两个阶段，从最初的“植根淘宝”到“独立支付平台”，与同时期诞生的其他第三方支付平台不同，支付宝一开始只面向淘宝，即与淘宝网购物的应用场景相结合，服务于淘宝交易。
而后面支付宝独立发展，向独立支付平台转型，支付宝成为电子商务的一项基础服务，担当着“电子钱包”的角色。
植根淘宝（2003-2004）支付宝2003年最初上线主要针对淘宝上购物的信用问题，即解决网购用户的需求，推出“担保交易”模式，让买家在确认满意所购的产品后才将款项发放给卖家，降低网上购物的交易风险，支付宝植根于淘宝网购需求，充当淘宝网资金流工具角色。
当时支付宝（淘宝旗下的一个部门）并没有什么长远发展目标，只是一款专为淘宝网的发展需要打造的支付工具，主要面向淘宝网提供担保交易，解决淘宝网发展的支付瓶颈问题。
后面有评论认为淘宝能够在短时间超越易趣，不仅仅是免费模式，支付宝对买卖双方信用的建立不可或缺。
反过来淘宝网的发展为支付宝带来源源不断的用户，2004年，阿里巴巴管理层认识到支付宝在初步解决淘宝信用瓶颈后，不应该只是淘宝网的一个应用工具，即“支付宝或许可以是个独立的产品，成为所有电子商务网站一个非常基础的服务”。
当面付接入规则和说明(先看)
支付宝（当面付）接入与使用说明相关接口列表统一下单并支付接口(alipay.acquire.createandpay) 统一预下单接口(alipay.acquire.precreate) 收单查询接口(alipay.acquire.query)收单退款接口(alipay.acquire.refund)收单撤销接口(alipay.acquire.cancel)版本号：1.0支付宝（中国）网络技术有限公司版权所有目录1 产品说明 (3)1.1 商户端终端 (3)1.1.1扫码支付（也称二维码支付） (3)1.1.2 条码支付（也称一维码支付） (3)1.1.3 声波支付 (4)1.2 用户端设备 (4)1.2.1 手机 (4)1.3 完整流程 (6)1.4 名词解释 (13)2 集成流程详解 (14)2.1 接入准备 (14)2.2 集成 (14)2.2.1 接口开发顺序 (14)2.2.2 安全保障 (16)3 测试流程规则 (16)4 附录 (16)4.1 如何获得PID与密钥 (16)1 产品说明1.1 商户端终端1.1.1 扫码支付（也称二维码支付）两种方式1. 双屏显示器，用于给用户显示二维码2. 终端POS机支持热敏打印，把二维码打印在小票1.1.2 条码支付（也称一维码支付）1. 红外扫码枪，用于扫描用户手机中支付宝客户端的条形码1.1.3 声波支付1. 普通麦克风1.2 用户端设备1.2.1 手机1. 安装了支付宝钱包（建议8.0版本以上）2.3. 当商户端选择“扫码支付”，用户需要在客户端里点击“扫一扫”，上图左上角4. 当商户端选择“条码支付”，用户需要在客户端里点击“付款码”，上图右上角图中显示的是用户的二维码，条码下面的数字就代表该条码和二维码具体的值，该值就是接口参数中的“动态ID”5. 当商户端选择“声波支付”，用户需要在客户端里点击“当面付”第二行菜单最右边用户把手机的扬声器对准商户的麦克风，商户识别并解析该声波频率后就把结果赋值给“动态ID”参数1.3 完整交易流程仅限条码支付和扫码支付流程图以上都是正常流程，当用户需要退款或者是交易失败情况的流程如下：2 集成流程详解2.1 接入准备1. 确认是否作为渠道商或者系统商接入确认是否和支付宝的商务经理签署渠道产品返佣协议。
2020年中国第三方支付数据发布报告
线下扫码支付交易规模（万亿元）
来源：综合企业及专家访谈，根据艾瑞统计模型核算。 ©2020.6 iResearch Inc.
线下扫码支付交易规模环比增速（%）
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二维码收单市场交易规模
助力小微商户智能化升级，收单企业百舸争流，奋楫者先
线下扫码支付市场中，按照商户收款码是否为个人码，可以分为二维码转账和二维码收单两种交易类型。个人码开通方便 快捷，在2017-2018年线下扫码快速普及阶段增长迅速。然而，时至2019年，线下扫码支付市场进入平稳增长阶段，收 单服务商开始大力推进对中长尾小微商户的收单服务，使其从个人码收款商户转变为二维码收单商户，并在收单服务之上 叠加其他数字化服务，助力小微商户智能化升级，使其获取更多资金、营销等方面的支持。虽然收单市场参与者众多，但 以美团、拉卡拉、京东支付为代表的部分企业已经形成较强卡位优势，有望在最终角逐中成长为二维码收单市场的巨头。
©2020.6 iResearch Inc.
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细分竞争格局：移动消费板块集中度高
ATJ三家占据移动消费板块95%以上市场份额
尽管受到较强的疫情冲击，2020年第1季度，移动消费板块仍然占据着第三方移动支付交易规模中18.7%的份额。并且， 移动消费行为是培养用户心智的重要阵地，有利于用户行为向移动金融、个人应用两个板块扩展。目前，移动消费板块被 支付宝、财付通和京东支付共同占据95.9%的市场份额，市场集中度高。头部三家在消费板块又具有不同的优势场景：支 付宝和京东支付分别具有淘系电商平台和京东商城作为线上消费场景的重要组成部分，而财付通则通过外部合作的方式占 据着拼多多等头部电商平台的部分交易额；线下消费板块，支付宝和财付通占据着C端用户扫码支付垄断地位，但京东支 付从商户侧的发力使得其在商户服务市场具备更多赋能空间。
线下支付和线上支付比较
线下支付和线上支付比较1.线下支付：细分市场+平台推广“线下支付”：细分市场+平台经营。
“线下支付”90%份额被银联和银行分割，其他“第三方”经营模式：细分市场专业化及定制化服务；“平台经营”提升效率。
其他“第三方”未来空间相对有限固有市场结构：长久以来，银行是支付的主体，银行具有客户、信用、金融产品和网络等诸多优势，而作为第三方支付机构在无法提供额外价值的情况下难以同银行抢夺市场份额。
传统收益来源单一，边际成本较高：由于无法发行银行卡，预付卡由于管制应有十分有限，因此第三方支付的收益基本都来源与收单机构手续费分成。
线下支付中，手续费分成的结构是：收单机构20%、转接机构10%、发卡机构70%。
但由于竞争激烈，收单机构为了争夺商户竞相压力收单费用，进一步压缩收单利润，使得第三方支付无利可图。
相比之下，银行的收入则多元化：①收单机构的20%和作为发卡机构的70%；②商户派生存款后可用于放贷，获得息差收入。
③客户的账户结算、转账等中间业务收入。
并且由于银行有成熟的支付结算网络，使其客户开发的边际成本更低。
因此，第三方支付机构在线下领域须另辟蹊径，主要有两个方面：发展细分市场，走专业化道路：无论是银联还是商业银行，受制于业务重心和经营能力，在线下支付领域主要还是提供同质化的基础服务，不能根据行业和企业特点提供专业和定制化的产品，也没有进一步挖掘客户的更深层次的需求。
这就给第三方支付提供了生存和发展的空间。
表1：线下第三方支付的专业化特点平台型拓展和经营，提升潜在价值：尽管在线下银联与银行很强大，但也有业务死角。
例如，处于风险和成本的考虑，银联和银行对收单商户有着较高的要求，如四证一照、营业额、经营场所面积等，这就把众多小微的商户拒之门外。
同时，第三方公司通过“互联网”和“平台”的模式，业务复制成本低，提升管理和营运效率，在细分市场超越银联等强大竞争对手。
而第三方支付可以借助外部团队，积极拓展形成平台经济，在衍生出其他盈利模式如广告、理财销售、小额贷款等。
五力模型的支付宝行业分析
五力模型的支付宝行业分析支付宝是阿里巴巴集团旗下的支付平台，成立于2004年，是国内最大的第三方支付平台之一。
在过去的几年里，支付宝取得了巨大的成功，成为了中国互联网金融领域的领导者之一。
本文将运用波特五力模型对支付宝所处的行业环境进行分析。
1. 竞争对手的竞争力量支付宝面临的竞争对手主要有微信支付和银联支付等第三方支付平台，以及银行卡支付和现金支付等传统支付方式。
首先，微信支付是支付宝最主要的竞争对手之一。
作为中国最大的社交媒体平台之一，微信拥有庞大的用户基础和强大的社交网络效应。
微信支付通过与微信的深度整合，构建了一个便捷的支付生态系统，给支付宝构成了较大的竞争压力。
其次，支付宝还面临来自银联支付的竞争。
作为中国最大的银行卡收单机构，银联支付具有广泛的商户网络和较高的品牌认知度。
随着银联支付推出移动支付服务，支付宝与银联支付之间的竞争进一步加剧。
此外，尽管现金支付目前在中国仍然占据主导地位，但随着移动支付的普及和发展，现金支付正逐渐被替代。
因此，支付宝还需要应对传统支付方式的竞争。
总体而言，支付宝面临着来自微信支付、银联支付和传统支付方式的激烈竞争。
然而，支付宝凭借其早期进入市场的优势和强大的用户基础，仍然保持着领先地位。
2. 供应商的谈判能力支付宝的主要供应商包括银行机构、电子商务平台和互联网服务提供商等。
这些供应商在一定程度上对支付宝的业务有一定的控制和影响力。
首先，银行机构是支付宝的重要供应商，支付宝依赖银行提供的资金存管服务。
支付宝与银行之间的谈判关系对支付宝的可持续发展至关重要。
由于支付宝与银行合作的收入份额的占比较大，银行在谈判中具备较高的议价能力。
其次，电子商务平台是支付宝的另一个重要合作伙伴。
支付宝通过与电子商务平台的合作，为用户提供便捷的支付服务，同时也为电子商务平台带来了更多的交易。
支付宝与电子商务平台之间的谈判关系也是平等的，双方都在合作中获得了相应的利益。
最后，互联网服务提供商提供了支付宝所需的技术支持。
电子支付的发展
3、成熟期：移动互联网浪潮酝酿重大变革（2013年至今）
随着移动互联网发展、智能终端日益普及、移动应用市场兴起，线上支付日益向移动端转移。在线支付生态发展完善，其中支付宝和财付 通在市场上占据了垄断地位。 市场概况：线上支付呈现PC端向移动端转移趋势
2014年，我国网民规模达到6.5亿人，移动网民数量达到5.6亿人，互联网支付用户规模4.5亿人，网民渗透率达到69.3%。移动支付用 户规模3.4亿人，移动网民渗透率达到61.7%。个人网银交易规模448.5万亿元，同比增长70.3%，企业网银交易规模为855.9万亿元，同比 增长28.4%；手机银行交易规模虽仅为32.8万亿元，但同比增速高达157.1%。第三方互联网支付交易规模达到8.08万亿元，同比增长50.3%； 第三方移动支付市场交易规模达到5.99万亿元，较2013年增长391.3%。
2000年前后，各大商业银行逐渐实现了电子支付信息跨行传送，实现支票的全国通用和行内通存通兑，银行卡开始在全国 ATM机 和POS上使用。与此同时，各大商业银行相继推出各自的网络银行和手机银行业务，并各自向商家提供不同规范的支付接口，商业银行 的多级结构给商家和消费者造成了诸多不便。多家银行的接口承接、金融网络与互联网的接口承接因为系统烦琐与成本较高成为主要问题。 2002年，银行卡清算组织中国银联成立，建立起中国银联跨行支付平台，使异地跨行网上支付成为可能，为电子支付产业的发展提供了 基础。
支付宝线下收单行业解决方案
支付宝线下收单行业解决方案背景目前，随着科技的进步和移动支付的普及，越来越多的消费者选择用手机付款。
支付宝线上支付已经得到广泛应用，然而，线上支付只能在互联网上进行交易，无法满足线下商家的支付需求。
为此，支付宝推出了线下收单的解决方案，为商家和消费者提供了更便捷、更安全的支付方式。
方案介绍支付宝线下收单解决方案分为三个环节：商家入驻、支付交易和结算。
商家入驻商家可以通过支付宝的商家入驻平台，上传商户信息和证件资料，完成商家入驻。
商户需要提供的资料包括商家名称、开户银行信息、经营范围、法人身份证号码等，以便支付宝对商家进行认证审查，并确保商家与法律法规的合规要求。
支付交易在商家完成入驻后，可以使用支付宝扫码枪或收款码收取顾客的支付宝账户资金。
顾客选择使用支付宝付款时，扫描商家的收款码或让商家使用支付宝扫码枪扫描其支付宝账户中的付款二维码。
支付宝系统会将用户的付款金额扣除，并转移到商家的支付宝账户中，完成交易。
结算商家可以随时将支付宝收到的资金提现到指定的银行卡或支付宝账户中。
商家在提现时需要提供提现金额和账户信息，支付宝会按照约定时间和方式将资金提现到商家提供的账户。
优势和应用场景优势1.便捷：商家只需要一个扫码枪或一个二维码就能轻松完成交易。
2.安全：支付过程中，支付宝提供严格的身份验证、资金监管和防欺诈服务，确保商家的资金安全。
3.易于管理：商家可以通过支付宝钱包实时查看交易记录，轻松管理交易流程。
应用场景支付宝线下收单解决方案适用于各种场景，包括：1.餐饮、零售等各类实体店铺；2.便利店、超市、加油站等大型连锁店；3.运营商、物业公司等服务类行业；4.各类展览、演艺、赛事等活动现场。
使用方法和费用介绍商家可以通过支付宝官网，下载支付宝收款码或者扫码枪，申请商家入驻。
商家入驻以后，使用支付宝扫码枪或收款码收取顾客的支付宝账户资金时，不需要支付任何费用。
商家提现需要支付提现手续费用，手续费用以及提现周期视商家的具体情况而定。
《国际贸易中的交易方式比较》
《国际贸易中的交易方式比较》国际贸易中的交易方式比较随着全球化进程的深入，国际贸易成为了各国经济增长的重要来源。
而在国际贸易中，交易方式是不可避免的话题。
不同的交易方式，对每个交易参与者的利益和风险都有影响。
本篇文章将对国际贸易中的交易方式进行比较和分析。
一、传统交易方式1.信用证交易信用证交易是传统的国际贸易支付方式，它是银行在买卖双方之间起中介作用的一种方式。
买方要求开证行向卖方开出信用证，证明买方有足够的资金支付，然后卖方根据信用证向开证行索取款项。
这种方式对买卖双方的风险控制很有优势。
优点：（1）保障买卖双方的资金安全，节省了担保金。
（2）增强了交易的可靠性和信任度，减少不必要的纠纷。
（3）节约时间和成本。
缺点：（1）信用证的开立和审核需要一定的时间和费用。
（2）开证银行会收取一定的费用。
（3）买方需要提供抵押或担保，造成资金占用。
2.托收交易托收交易是买卖双方通过银行进行货款结算的一种方式。
卖方将货物装运后，把单据和汇款指示书提交到其银行，由其银行寄给买方银行，买方银行收到单据后，通知买方办理托收手续，买方支付货款后，银行扣除一定费用后将货款划给卖方。
优点：（1）减轻了买卖双方的风险，保障交易的安全。
（2）简化了交易流程。
（3）费用较低。
缺点：（1）如果出现问题，需要双方协商解决，费用和时间成本较高。
（2）托收方式容易被拒绝。
二、现代交易方式1.支付宝国际收单支付宝国际收单是基于阿里巴巴集团的国际贸易支付平台，主要针对中小企业的跨境支付解决方案。
卖方向买方提供“货到付款”业务，买方通过支付宝向卖方汇款，资金在支付宝账户内交易，且支持多种货币结算。
优点：（1）便捷、快速、灵活。
（2）降低了中小企业在国际贸易中的资金占用成本。
（3）支持多种货币的结算，方便交易双方。
缺点：（1）对于普通消费者可能存在一定的使用门槛。
（2）虽然支付宝的安全性很高，但在国际贸易中可能存在汇率波动和风险。
2.融数贸易融资平台融数贸易融资平台是指融数科技有限公司提供的，致力于向中小企业提供跨境贸易融资服务的平台。
收单基础业务培训
收单基础业务培训“收单基础业务培训”？哈哈，这个话题一听就有点“高大上”的感觉，但别担心，今天我就来跟大家聊聊这件事，绝对轻松又有趣，保证让你听了不觉得枯燥，还能收获满满的实用知识！简单来说，收单就是支付处理的一个环节，不管你是做生意的，还是在做支付系统的相关工作，了解这个东西就特别重要了。
你有没有发现，现在生活中几乎人人都在“刷卡”或者“扫码”？是不是很多时候在商场、餐厅一刷卡或者扫一扫就完成交易，自己都没怎么注意就买完东西走人了？背后有个系统的流程在支撑，咱们平时看到的只是冰山一角，收单的工作就像那冰山下面的部分，默默无闻但又极为关键。
一提到“收单”，大家可能脑袋里都会冒出一个大大的问题：到底是啥意思？其实这个东西很简单。
就像你去买东西时，商家会通过刷卡设备或者扫码支付让你完成付款，那个过程就叫“收单”。
说白了，收单就是商户通过支付机构来接收你的钱。
你刷卡的时候，实际上是一个“收单机构”在帮你完成支付的全过程，像是个幕后英雄，默默地把钱从你口袋转到商家的口袋。
可是，这个看起来简单的过程背后却有着复杂的操作。
别看那几个字“收单”，它其实包含了支付通道、支付数据的传输、结算等等一堆事，最关键的就是如何保证每一笔交易都能顺利完成。
而我们做收单的业务，就是要保证商户和消费者之间的支付顺畅不出差错。
想象一下，如果这中间出了问题，支付不成功，商户没收到钱，消费者也不能顺利完成购物，那不就乱套了嘛？所以，作为收单业务的从业者，责任可大着呢。
说到这里，你可能会想，为什么我需要了解这些？有一个小秘密要告诉你！现在很多行业都离不开支付业务了，不管你是想开个网店、做个餐饮，还是搞个线下商铺，你都必须掌握一些收单的基本知识，才能保证你的生意顺利开展。
毕竟，谁都不想在做生意的关键时刻，支付出现问题，对吧？所以，了解收单基础的业务培训，学会如何选择合适的支付工具、确保支付安全，都是非常重要的。
了解支付方式是必要的，收单的支付工具现在五花八门，不仅仅是传统的银行卡刷卡支付，还有支付宝、微信支付、云闪付等扫码支付。
详解支付与收单业务-概述说明以及解释
详解支付与收单业务-概述说明以及解释1.引言1.1 概述支付与收单业务是现代商业中不可或缺的一部分。
随着科技的快速发展和商业交易的日益增长，支付和收单业务在商业活动中扮演着重要的角色。
支付业务是指商家接受消费者支付货款的一系列流程和技术手段，而收单业务则是指银行或其他金融机构代理商家完成支付并结算的过程。
支付业务的定义和作用是为了方便顾客进行商品或服务的购买，消除了传统现金支付所带来的不便和风险。
通过支付业务，消费者可以选择多种支付方式，如信用卡、借记卡、电子钱包等，轻松完成支付，并享受到更多的购物便利和安全保障。
同时，支付业务也为商家提供了更多的销售机会，扩大了销售渠道，提高了销售额和利润。
常见的支付方式包括信用卡支付、支付宝、微信支付、银行转账等。
信用卡支付是一种基于银行卡系统的支付方式，以刷卡和输入密码的形式完成支付。
支付宝和微信支付则是基于互联网的移动支付工具，通过手机支付宝或微信钱包进行扫码支付或转账支付。
银行转账是通过银行间的转账系统完成资金划拨。
收单业务作为支付业务的延伸和补充，是银行和其他金融机构为商家提供的一项重要服务。
其定义和作用是将商家的交易资金接收并结算给商家，保障商家的资金安全和流动性。
收单流程包括商户申请收单服务、交易信息传输、支付机构验证授权、资金清算与结算等环节。
支付与收单业务的发展，为商业交易带来了巨大的便利和改变。
通过各种支付方式和收单服务的创新，交易变得更加高效、安全和便捷。
未来，随着科技的进一步发展和金融市场的变革，支付与收单业务有望继续探索更多的创新和应用，为商业和消费者带来更多的可能性和体验。
1.2文章结构文章结构部分是对整篇文章的布局和组织进行介绍。
本篇长文的结构如下：1. 引言1.1 概述1.2 文章结构1.3 目的2. 正文2.1 支付业务2.1.1 定义和作用2.1.2 常见支付方式2.2 收单业务2.2.1 定义和作用2.2.2 收单流程3. 结论3.1 总结支付与收单业务3.2 未来发展趋势在本文的文章结构中，我们首先会在引言部分概述本篇文章的主题及内容，并明确文章的目的。
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渠道合作整体方案支付宝O2O业务域
B
C 产品总览 D
系统商
收单机构
智能盒子
产品：
1、销售小票打印二维码
PAD
产品：
1、收银系统+条码支付
2、销售小票打印二维码
3、收银系统屏显二维码
产品：
1、POS 机屏幕生成二维码
2、POS 机打印小票生成二维码
3、POS 机反向扫账户码
产品：
1、集成声波支付
2、集成二维码支付
A
C 网络
结构 D
支付宝线下收单网络示意图
支付宝收单服务系统
网络设备
商户收银终端设备
付款终端-支付宝钱包
POS 机
收银机
PAD
服务器
服务器收单网关
收单网关移动网关
移动网关WIFI /2G/3G/4G
公网
A B 对接模式 D
四、终端系统对接模式
⏹直连模式
直连模式是指商户终端收银系统直接通过公网链接支付宝网关，实时进行数据传输服务的网络接入模式。
收银终端
支付宝
支付宝公网
收银终端
前置机
前置机支付宝
局域网
公网
⏹间连模式
间连模式是指商户终端收银系统通过内
网链接到另外一台前置设备，前置设备通过公网链接支付宝网关。
前置设备与支付宝网关实时进行数据传输。
线下扫码支付方案
扫码支付
收银终端打印二维码
收银系统打印机或者POS 机支持热敏打印，打印支付宝订单二维码。
钱包扫码完成订单付款
用户使用钱包扫码工具扫描订单二维码进行付款
1
用户支付流程
1、购物买单
2、收款，计算金额
预下单获取并打印订单二维码
3、打开手机
扫码付款
4、付款成功
打印小票
支付
系统交互时序图
支付 1.输入金额，启动扫码支付
2.扫描二维码 1.1 二维码支付请求
1.3 屏显二维码/ 打印二维码小票
1.1.2 结果返回
（包括二维码信息）
1.2 返回支付宝二维码信息
1.1.1 预下单
（获取订单二维码） 3.钱包扫码支付
4 轮询 支付 结果
4.1 查询支付结果 3.2 支付结果通知
通知可能超时，超时后转4 3.3 返回支付结果 收银员
渠道收单前置系统
支付宝
4.2 返回支付结果
4.3 返回支付结果 3.1 返回支付结果
收银系统
线下条码支付方案
条码支付收银系统自带红外扫描枪收银系统需要有红外扫描枪设备
钱包账户条码
收银员使用红外扫描枪扫描账户条码
2
用户支付流程
1、购物买单
2、收款，计算金额
3、打开手机
条码付款
4、付款成功
打印小票
支付
系统交互时序图
支付
1.输入金额，选择支付宝条码收款
2.扫描钱包账户条码
2.1 下单并支付
2.1.2 返回结果
（可能会超时，超时转入4）
2.1.2 下单并支付
2.2 返回结果
4 轮询
支付 结果
4.1 查询支付结果 4.2 返回支付结果
4.3 返回支付结果 3 支付成功通知 或者 推进用户手机唤醒收银台进行支付
收银员
2.1.1 组装接口数据
渠道收单前置系统
支付宝
收银系统
A
B 资金清算 C
四、资金清算方式
◆统一清算到商户总账户 支付宝 2. 支付 <客户账户> 用户支付宝账户 （余额账户） <银行账户> 用户银行卡 （快捷支付） <客户账户> 商户支付宝账户 1.[充值] ◆独立清算到商户二级分账户 支付宝
2. 支付 <客户账户> 用户支付宝账户 （余额账户） <银行账户> 用户银行卡 （快捷支付） 1.[充值] <客户账户> 商户支付宝账户 <客户账户> 商户支付宝账户
服务支持
全程技术支持，保障业务顺利接入及
技术
稳定性；
专职运营人员对接，协助合作伙伴达成运营
业务目标和品牌宣传；
开放营销数据及资源，为合作伙伴提供数据
自运营空间。
Thanks!。