跨境電商綁卡類支付的優(yōu)化方案

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摘要：文章介紹了跨境電商在應(yīng)對各類綁卡支付交易中遇到的問題，闡述了方案必要性、設(shè)計出發(fā)點和優(yōu)化方式。針對主流業(yè)務(wù)場景，從不同角度展示了關(guān)鍵實施要點，旨在推動支付細分和交易優(yōu)化，也為全球化電商企業(yè)建立和拓展跨境支付系統(tǒng)，提供一些參考建議。

關(guān)鍵詞：跨境電子商務(wù)；循環(huán)扣款；交易合規(guī)；風(fēng)險控制；支付優(yōu)化

doi：10.3969/J.ISSN.1672-7274.2023.06.020

中圖分類號：F 724.6，F(xiàn) 832.2，TP 3         文獻標志碼：A           文章編碼：1672-7274（2023）06-00-04

Abstract： This paper introduces the problems in various stored credential payments in cross-border ecommerce， as well as demonstrates solution necessities， design purposes， and optimization approaches. It reveals key implementation perspectives in major scenarios of stored credential transactions， which facilitates payment classification and transaction optimization. It also offers some recommendations to global eCommerce enterprises on establishing and expanding cross-border payment systems.

Key words： cross-border ecommerce; recurring transaction; transaction compliance; risk control; payment optimization

隨著各大企業(yè)全球?qū)嶓w類和虛擬類電子商務(wù)的拓展，很多綁卡類存儲憑證（Stored Credentials）交易，如卡號復(fù)用、會員服務(wù)、余額補足等業(yè)務(wù)也在快速興起。（剩余5580字）