Payment Risk Control and Cross-Border Collection Security Solution

Addressing the pain points of cross-border transactions in the e-cigarette industry such as “unstable payment channels, strict risk control, and slow fund recovery”, we build a diversified and high-security collection system. The core channel construction adopts an “AB polling system + T1 acquiring channel” model to disperse single-account risks and ensure full coverage of mainstream payment methods (Visa, Mastercard, PayPal, etc.); accessing localized payment tools according to the characteristics of different markets: launching GCash and TrueMoney e-wallets in Southeast Asia, integrating CashU in the Middle East, and supporting SEPA transfers in Europe to improve local user payment convenience, increasing payment success rate from 60% to over 85%. In terms of risk control optimization, we establish a multi-level risk defense mechanism: setting up a transaction threshold early warning system to conduct real-time monitoring of abnormal large-value transactions; optimizing the order review process, verifying transaction authenticity through multiple dimensions such as IP address, shipping address, and payment method; reserving 2-3 backup PayPal accounts and acquiring channels to respond to emergency scenarios where the main channel is suddenly shut down. In terms of improving fund recovery efficiency, we connect to the global clearing network, optimize foreign exchange settlement processes, and shorten the fund recovery cycle (from the industry average of 7-15 days to 3-5 days); provide tax planning services to reasonably avoid cross-border transaction taxes and reduce financial costs; at the same time, establish a compliance audit system to ensure that the collection process complies with international rules such as Anti-Money Laundering (AML) and Know Your Customer (KYC), eliminating the risk of account freezing and ensuring the safe flow of enterprise funds.