于是，"跨境电商如何选择低门槛海外银行收款？"成了很多人搜索框里的高频问题。而CBiBank这类支 持远程开户、审核快、支持多币种的银行，也就越来越受到关注。 一、跨境电商收款账户需要满足哪些要求？ 并不是所有"能开户"的海外银行账户都适合做电商收款，真正靠谱的收款账户，需要具备以下几个核心 特点： 现在做跨境电商的人越来越多，但"收款"这一步，往往才是最让人头疼的地方。平台的钱到账了，但怎 么顺利、安全、合规地落入自己账户里？这成了许多卖家必须绕不过去的问题。 以往很多银行对"中国护照"持有人的审核相对保守，比如： 而像CBiBank这类银行则更为灵活，开户人即使持中国护照也可以远程开户，只要公司主体合规、资料 齐全，即可完成远程视频面签。也就是说，中国护照在国外开立海外企业账户，并没有想象中那么难， 关键是选对了支持离岸公司、远程流程成熟的银行。 三、适合长期使用的海外银行服务具备哪些特点？ 能支持多个电商平台回款（例如Amazon、eBay、拼多多国际等）； 币种支持全面，能收USD、EUR、HKD、CNH等常见币种； 稳定性强，不轻易冻结账户或随意关户； 审核路径清晰，尽调标准明确； 能远程开户，开户 ...

Core Insights - The article emphasizes the importance of secure, fast, and low-cost payment solutions for TikTok cross-border e-commerce sellers, highlighting that sales alone do not guarantee profit if funds are not accessible [1][18]. Group 1: Common Cross-Border Payment Methods - TikTok Shop officially supports several cross-border payment channels, including Payoneer, Wise, and others [3]. - Payoneer is recommended for sellers with high order volumes and multiple markets, while Wise is suitable for small sellers and personal accounts [4]. Group 2: TikTok Shop Payment Rules - TikTok has strict requirements for payment accounts, which must match the store's entity type to avoid freezing [6]. - The typical withdrawal cycle is 14 days, with some markets allowing a reduction to 7 days [6]. - Funds are held in a settlement account until confirmation of receipt and no returns, necessitating sellers to maintain sufficient working capital [6]. Group 3: Cross-Border Payment Considerations - Sellers should account for cash flow when considering withdrawal cycles and not overlook transaction fees [8]. - Managing multiple currency accounts is advisable to avoid losses from frequent conversions [8]. Group 4: Pitfalls to Avoid - Frequent changes to payment accounts can trigger platform warnings and fund freezes [10]. - Selling prohibited items can lead to payment freezes as a form of collateral [10]. - Unusual fund flows, such as large withdrawals or frequent currency exchanges, may prompt additional scrutiny [10]. Group 5: Practical Tips - Setting withdrawal reminders and verifying order amounts can help avoid discrepancies [14]. - Diversifying payment channels and maintaining a backup account can mitigate risks [14]. - Effective cash flow management involves using a portion of funds for inventory and another for withdrawals [14]. Group 6: Cross-Border Seller Payment Checklist - Ensure the store entity matches the payment account [16]. - Calculate withdrawal cycles to maintain at least 20 days of working capital [16]. - Regularly check transaction fees and exchange rates before withdrawals [16]. - Avoid frequent changes to payment accounts and refrain from selling high-risk items [16].