国际支付方式有哪些英文：跨境卖家必备指南

全球电商交易中，掌握主流国际支付方式的英文术语与运作机制，是跨境卖家高效收款的关键。

主流国际支付方式英文术语与市场占比

根据Worldpay《2023年全球支付报告》，信用卡仍是跨境交易最常用方式，占全球线上支付的37%。Visa（占比22.4%）和Mastercard（占比18.6%）主导市场，其次为American Express（3.2%）。PayPal以19.5%的份额位居数字钱包首位，尤其在欧美地区渗透率达42%（Statista, 2023）。Apple Pay与Google Pay合计占据移动支付约12%份额，主要集中在北美与西欧。

银行电汇与本地化支付方式的应用场景

Wire Transfer（银行电汇）常用于B2B大额交易，平均到账时间为1–5个工作日，手续费较高（$25–$50/笔），但单笔限额可达数百万美元。中国卖家通过SWIFT系统收款时需提供IBAN或ABA Routing Number。同时，本地化支付方式（Local Payment Methods）增长迅猛。例如，德国偏好Sofort与Giropay，巴西广泛使用Boleto Bancário，俄罗斯主流为Qiwi与YooMoney。据Checkout.com数据，支持本地支付可提升转化率高达35%。

新兴支付方式与合规要求

Buy Now, Pay Later（BNPL）如Klarna、Afterpay在Z世代消费者中流行，2023年占欧洲电商交易额11%（McKinsey）。加密货币支付仍属小众，仅占0.8%，但Stripe与BitPay已支持USDC结算。卖家接入任何支付方式均须遵守PCI DSS安全标准，并确保符合GDPR（欧盟）与CCPA（美国）数据保护法规。PayPal与Stripe等平台提供自动税务计算功能，降低合规风险。

常见问题解答

Q1：What are the most common international payment methods in跨境电商?
A1：Top 3 are Credit Cards, PayPal, and Bank Transfer.

• Step 1: Set up merchant account on platforms like Stripe or PayPal
• Step 2: Integrate payment gateway into your store (Shopify, Amazon)
• Step 3: Verify identity and bank details for payout setup

Q2：How do I reduce cross-border transaction fees?
A2：Use multi-currency accounts to avoid conversion markup.

• Step 1: Open account with Wise Business or Payoneer
• Step 2: Receive payments in local currency (e.g., USD, EUR)
• Step 3: Convert and withdraw at competitive exchange rates

Q3：What is SWIFT code used for in international payments?
A3：SWIFT code identifies banks globally for wire transfers.

• Step 1: Obtain recipient’s full bank name and SWIFT/BIC
• Step 2: Include it in remittance information
• Step 3: Confirm with bank to avoid transfer delays

Q4：Can I accept Alipay or WeChat Pay overseas?
A4：Yes, via platforms like Adyen or PayPal’s partnership.

• Step 1: Apply for cross-border merchant program
• Step 2: Enable CN-focused payment options at checkout
• Step 3: Market to Chinese tourists or diaspora consumers

Q5：What happens if a chargeback occurs internationally?
A5：Respond within 7–21 days with evidence.

• Step 1: Log into payment provider dashboard (e.g., Stripe)
• Step 2: Upload proof of delivery and customer communication
• Step 3: Await arbitration result; maintain dispute rate below 1%

掌握国际支付方式英文术语与实操路径，提升收款效率与买家信任。