跨境电商绑卡类支付的优化方案

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摘要：文章介绍了跨境电商在应对各类绑卡支付交易中遇到的问题，阐述了方案必要性、设计出发点和优化方式。针对主流业务场景，从不同角度展示了关键实施要点，旨在推动支付细分和交易优化，也为全球化电商企业建立和拓展跨境支付系统，提供一些参考建议。

关键词：跨境电子商务；循环扣款；交易合规；风险控制；支付优化

doi：10.3969/J.ISSN.1672-7274.2023.06.020

中图分类号：F 724.6，F 832.2，TP 3         文献标志码：A           文章编码：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

随着各大企业全球实体类和虚拟类电子商务的拓展，很多绑卡类存储凭证（Stored Credentials）交易，如卡号复用、会员服务、余额补足等业务也在快速兴起。（剩余5580字）