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].