For the majority of small and medium-sized cross-border e-commerce sellers, the payment security, payment cost, and loan efficiency of cross-border e-commerce platforms have always been issues of concern to cross-border e-commerce. Small and medium-sized cross-border e-commerce sellers do not have strong financial strength, and may not have a thorough understanding of the payment terms of cross-border e-commerce platforms. The terms of cross-border e-commerce platforms such as Wish, eBay, and Amazon are more based on the American way of thinking, and most of the time they are biased towards the interests of overseas consumers. Small and medium-sized cross-border e-commerce sellers often have huge disputes and conflicts with cross-border e-commerce platforms over payment issues, and the result of the dispute is often that Chinese sellers suffer losses.
From the beginning of 2015 to the beginning of 2016, there have been two relatively large cross-border e-commerce payment disputes in the field of cross-border export e-commerce. One is the account dispute between the cross-border e-commerce platform Wish and Chinese sellers, and the other is the freezing of the account of Chinese cross-border e-commerce sellers by PayPal payment accounts. Through communication with them, I found that many Chinese cross-border e-commerce sellers are inexperienced in the actual operation process, so in this section I will make a detailed analysis and summary of the payment habits of cross-border e-commerce sellers and the payment defects of cross-border platforms. I hope that the majority of cross-border e-commerce sellers can get inspiration from it and avoid the payment risks of cross-border transactions.