中资企业出海拉美非洲潮涌 本地化收款挑战如何破局

Core Viewpoint - To effectively address the payment challenges faced by Chinese enterprises expanding into Latin America and Africa, cross-border payment service providers must offer tailored payment services that align with the unique payment needs of these enterprises, as well as the local payment habits and regulatory changes in the region [1][4]. Group 1: Market Trends - The trade volume between China and Latin America reached $518.47 billion last year, marking a 6.0% year-on-year increase, while trade with Africa reached $295.6 billion, up 4.8% [11]. - An increasing number of Chinese enterprises are entering the Latin American and African markets, viewing them as new growth points for global business expansion [12]. Group 2: Payment Challenges - Localized payment and sales collection have become significant challenges for Chinese enterprises in these regions due to the low credit card penetration and the emergence of numerous fragmented local payment methods [3][5]. - Many Chinese enterprises have found that without integrating local payment methods, they struggle to reach local consumers, while integrating multiple payment options can be complex and costly [3][7]. Group 3: Payment Solutions - Cross-border payment institutions are seizing the opportunity to provide solutions, such as EBANX's integration of around 200 local payment methods through a unified payment platform [4][8]. - The adoption of local aggregation payment solutions is becoming increasingly popular among Chinese enterprises, allowing them to efficiently access various mainstream payment methods in Latin America and Africa [7][9]. Group 4: Specific Payment Methods - In Mexico, OXXO Pay is a popular offline payment method, while in Kenya, mobile money is gaining traction. In Brazil, the Pix payment method is expected to surpass credit cards in e-commerce transactions this year [7][9]. - The Pix payment method allows for faster fund settlement, which can alleviate cash flow pressures for Chinese enterprises, with transactions typically settled the next day compared to the 30-day period for credit card payments [14][15]. Group 5: Customization and Service Requirements - Different types of Chinese enterprises have varying payment requirements, with e-commerce firms focusing on payment success rates, while gaming companies prioritize reaching local gaming audiences [13][15]. - There is a growing demand for customized payment solutions, with enterprises seeking to enhance payment success rates and streamline payment processes [15][16]. Group 6: Fraud Risks - Payment fraud is emerging as a significant challenge for Chinese enterprises, with global e-commerce fraud losses reaching approximately $48 billion last year [17]. - Cross-border payment service providers are implementing multiple anti-fraud measures, including real-time transaction scanning and AI machine learning technologies to enhance security [18][19].