從第一天起，所有在線賣家都需要做的關鍵事情之一是建立一種快速且用戶友好的接受付款方式；無論您是銷售實體產品、是自由職業者還是從事繁忙的 B2B 業務，這都必須是您的首要任務。
對於在線賣家而言，付款過程需要快速且用戶友好，因為當用戶嘗試確認訂單時出現延遲和崩潰只會增加購物車放棄率。
對於 B2B 企業來說，提供一種很好用但不會在管理上佔用更多時間的服務意味著客戶往往會更快樂並堅持更長時間。
同樣，如果企業不得不花費太多時間管理客戶和客戶的付款，則會降低他們從事有償工作的能力，畢竟這就是一切。
所有這些都很重要，但對於向海外客戶銷售產品的亞洲企業來說，擁有一個最終會花費大量貨幣兌換費的出色支付系統毫無意義。
這意味著想要提高銷售額但又想提高利潤的企業需要找到一個現代且響應迅速的支付處理器。
Payoneer是什麼？
Payoneer 是最大的支付處理商之一，雖然您可能沒有聽說過它們，但這是有充分理由的。
與 PayPal 等其他公司不同，Payoneer 專注於在線賣家和 B2B 企業的需求。 Payoneer 不是零售服務，這意味著它可能鮮為人知，但更適合專業用戶。
事實上，Payoneer 是世界上歷史最悠久的在線支付處理服務之一，誕生於 2005 年。
儘管該服務在早期被設置為支付處理器，但隨著時間的推移不斷發展，現在擁有一系列功能，包括外匯、發票和賬單支付，使其非常適合快速發展的在線銷售和 B2B 交易世界。
它就像一個本地銀行賬戶
位於亞洲的公司通常擁有全球客戶群，這意味著他們可能需要接受多種貨幣的付款，包括歐元、美元、英鎊或澳元（以及更多）。
雖然這一切都可以通過標準銀行賬戶實現，但在處理費用和貨幣兌換方面可能會花費很多錢。
例如，如果您決定只接受美元付款，這可能會給客戶帶來額外的工作來轉換貨幣然後付款，而額外的管理意味著更多的時間。
Payoneer 的評分很高，因為它提供的收款賬戶對客戶來說就像一個本地銀行賬戶。
這意味著出於所有意圖和目的。他們只是以與向當地供應商付款相同的方式進行標準付款。它簡單快捷，當然可以避免那些可能導致您的客戶尋找其他地方的小煩惱。
避免貨幣轉換費
主要銀行讓客戶失望的領域之一是貨幣兌換。
通常您會發現，如果您想以另一種貨幣進行付款或接收付款，則需要支付大量費用，而且兌換率並不總是最具競爭力的。
這意味著大銀行從可能無法總是負擔得起的公司那裡賺了很多錢。
想像一家公司以美元出售其服務，然後以相同的貨幣購買服務。
您可以看到，對於傳統的支付處理器，會有兩組費用和貨幣轉換。
這就是 Payoneer 完全不同的地方。
在我們的示例中，公司將以當地貨幣收取付款，然後將其保存在他們的 Payoneer 賬戶中，直到他們需要為止。
如果他們的賬戶中有美元並且需要以美元支付供應商，那麼他們只需從他們的美元餘額中支付。沒有轉換費。
它快速、簡單且具有成本效益，最重要的是，這意味著您可以完全控制。
一個超級高效的銀行賬戶
建立現金餘額很好，但如果你不能使用它們，那又有什麼意義呢？
在許多方面，Payoneer 就像一個超級高效的銀行賬戶。
公司可以用他們的餘額支付供應商和自由職業者（甚至他們的稅），但同時，他們可以靈活地將現金轉移到他們的常規銀行賬戶，使用方便的借記卡，甚至在當地的 ATM 上提取現金。
這就是 Payoneer 比 Wise 等簡單的匯款服務得分高的地方，因為它旨在按照企業需要的方式工作。
Payoneer 界面的一大優點是它可以一目了然地顯示不同貨幣的所有餘額，並提供對交易記錄的即時訪問，這意味著報告非常快速和簡單。
也許是 Payoneer 的可用性使其成為真正的商業帳戶，並且該應用程序在與 PayPal 等更多面向消費者的工具中得分非常高。
隨著業務的發展，確保您採用的解決方案會與您一起成長非常重要，Payoneer 在這方面也做得很好。
雖然該解決方案非常適合自由職業者和微型企業，但連接性和開放式 API 意味著大公司可以將連接作為其技術堆棧的整體部分進行開發，並且該解決方案支持一次批量支付 200 個收款人。
Payoneer – 適用於互聯企業的現代解決方案
對於現代在線交易者來說，重要的是應用與公司合作而不是與公司對抗。
Payoneer 是一款出色的一體化解決方案，可在一個方便的軟件包中提供收款、貨幣兌換、供應商付款甚至借記卡服務。
費用結構非常好，Payoneer 賬戶之間的轉賬不收取任何費用，只需 1.50 美元的簡單提款費和非常清晰透明的定價。
Payoneer 無疑是適合任何規模的在線賣家或自由職業者的解決方案，那麼為什麼不檢查一下它，看看它如何幫助您的業務發展呢？
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Payoneer Comes Out On Top for Online and B2B Sellers
One of the key things that all online sellers need to do from day one is to set up a swift and user-friendly method of accepting payments; whether you’re selling physical products, are a freelancer or you run a busy B2B concern, this needs to be top of your list.
For online sellers, the payment process needs to be quick and user friendly as lags and crashes when the user is trying to confirm their order just increase cart abandonments.
For B2B businesses, providing a service that is great to use but doesn’t take up more time in admin than needed means that clients tend to be happier and stick around for longer.
Similarly, if businesses have to spend too much time administering payments from their customers and clients, it reduces their capacity to do paid-for work, which after all is what it is all about.
All of this is important, but for businesses in Asia who sell to overseas clients, there’s no point in having a great payment system that ends up costing a fortune in currency conversion fees.
This means that a business that wants to improve sales but also the bottom line needs to find a modern and responsive payment processor.
What is Payoneer?
Payoneer is one of the largest payment processors around, and while you may not have heard of them, there’s a very good reason for that.
Unlike other companies like PayPal, Payoneer concentrates on the needs of online sellers and B2B businesses. Payoneer isn’t a retail service, meaning that it is perhaps less known, but more suitable for professional users.
In fact, Payoneer is one of the world’s oldest online payment processing services, having been born in 2005.
Although set up as a payment processor in the early days, the service has developed over time and now boasts a range of features including FX, invoicing and bill payments that make it ideally suited to the fast-moving world of online sales and B2B transactions.
It’s like a local bank account
Companies based in Asia generally have a global client base, meaning that they may need to accept payments in a wide variety of currencies, including euro, US dollar, GBP or AUD (and many more).
While this is all possible with a standard bank account, it can cost a lot of money in terms of processing fees and currency conversions.
If you decide to only take payments in USD, for example, this can cause extra work for the client in getting the currency converted and then making the payment, and extra admin means more time.
Payoneer scores highly in that the receiving accounts it provides look like a local bank account to the client.
This means that for all intents and purposes. they simply make a standard payment in the same way as paying their local suppliers. It’s simple and quick and certainly avoids those little annoyances that could cause your clients to look elsewhere.
Avoid currency conversion fees
One of the areas where the major banks have let customers down is in currency conversion.
Often you find that there is a large fee if you want to make or receive payments in another currency and the conversion rate isn’t always the most competitive.
This means that the big banks make a lot of money off of companies that perhaps can’t always afford it.
Imagine a company that sells its services in USD and then buys services in the same currency.
You can see that with a traditional payment processor there would be two sets of fees and currency conversions.
That’s where Payoneer is completely different.
In our example, the company would collect payments in the local currency and then hold them in their Payoneer account until they need them.
If they have USD in their account and need to pay a supplier in USD then they simply pay them from their dollar balance. No conversion fees.
It’s quick, simple and cost-effective, and best of all it means you have complete control.
A super-efficient bank account
It’s all very well building up cash balances but if you can’t use them, what’s the point?
In many ways, Payoneer works like a super-efficient bank account.
Companies can use their balances to pay suppliers and freelancers (or even their taxes) but at the same time, they have the flexibility to transfer cash to their regular bank account, use a handy debit card or even withdraw cash at a local ATM.
This is where Payoneer scores highly over simple money transfer services like Wise, as it is designed to work the way that businesses need.
One of the great things about the Payoneer interface is that it shows at a glance all the balances in different currencies and provides instant access to transaction records, meaning that reporting is ultra-quick and ultra-simple.
It’s perhaps the usability of Payoneer that makes it a true business account and where the app scores very highly against more consumer-oriented vehicles like PayPal.
As businesses grow it is important to make sure that the solution you have adopted will grow with you and Payoneer does well on this front too.
While the solution is great for freelancers and microbusinesses, the connectivity and open API mean that large companies can develop the connection as a holistic part of their tech stack and the solution supports the batch payment of 200 recipients at a time.
Payoneer – a modern solution for connected businesses
For the modern online trader, it is important that apps work with the company and not against it.
Payoneer is an excellent all-in-one solution that provides payment collection, currency conversion, supplier payments and even debit card services in one handy package.
The fee structure is excellent, with no charges for transfers between Payoneer accounts, a simple $1.50 withdrawal fee and very clear and transparent pricing.
Payoneer certainly hits the spot as a solution for online sellers or freelancers of any size, so why not check it out and see how it can help your business grow?
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