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Interpretation of Paypal's new MOR model

  • I. Background:

    AliExpress platform and PayPal (PayPal) have cooperated for more than four years. In the process, we can see the high conversion and high customer unit price brought by PayPal payment methods. In order to better serve more merchants and lower the opening threshold, AliExpress platform will deepen its Cooperation mode. The new cooperation model is MOR (Merchant of Record), that is, AliExpress platform will access PayPal as an overall merchant without the need for merchants to open PayPal accounts. GRADUALLY COVERAGE BEGAN IN LATE SEPTEMBER.

    II. Main contents:

    The changes will have the following advantages:

    Expand buyer coverage: PayPal will cover more countries and buyers. It is expected to attract more new buyers, and PayPal will bring more transactions.

    Conversion efficiency improvement: MOR PayPal buyers do not need to pay handling fees, and the payment experience will be greatly optimized, and the conversion rate will definitely be improved.

    Sellers do not need to open/exit: buyers do not need to rely on sellers to apply for PayPal accounts again when using PayPal.

    After the MOR mode is launched, it will mainly involve the following changes. Please know:

    1. The existing contracted entrance will be offline on September 17.

    In MOR mode, all merchants support PayPal payment by default, and the existing signing entrance [path: transaction-cap account-enable PayPal account] in the merchant's background will be offline. At present, merchants who have opened personal PayPal payment do not need any action, and all merchants will support PayPal payment by default.

    2. The buyer initiates a change in the form of rejection and dispute response on the PayPal side, and the initiation on the AE side will not be affected.

    When the buyer pays by PayPal and initiates a dispute or refuses to pay on the PayPal side, AliExpress will notify the merchant through an in-office letter. Some types of refusal and disputes require merchants to provide evidence, and merchants need to enter the station to send letters and provide evidence according to the instructions of the station letter content. At the same time, the results of the dispute/refusal will be sent back through the in-station letter.

    Most buyers who use PayPal to initiate disputes on the AE side, and the handling method remains unchanged.

    III. FAQ:

    Q: What is PayPal?

    A: PayPal is an online payment platform with business in many countries around the world. It is one of the commonly used online payment methods for foreign e-commerce users and one of the payment methods supported by AliExpress platform.

    Q: When will the PayPal MOR (Merchant of Record) mode start?

    A: The MOR model will be gradually launched in late September, and merchant-side transactions will not be affected.

    Q: Which countries does Paypal currently support for users?

    A: The countries currently supported include: the United States, the United Kingdom, France, Spain, Germany, Sweden, Portugal, Norway, the Netherlands, Italy, Israel, Mexico, India, Ireland, Belgium, Austria, the United Arab Emirates, Canada, Brazil, Australia and other 20 other countries with a settlement currency of USD.

    Q: Why do buyers feedback that my store can't use Paypal payment method, and other stores can use it?

    A: The platform will uniformly assist sellers to open paypal payment methods. At present, it supports buyers from 20 countries. It is recommended that you wait later.

    Q: My store has signed a PayPal payment method. Will it affect my previous account after it goes online in MOR mode?

    A: In the MOR mode, AliExpress platform will access PayPal as an overall merchant. The orders paid by PayPal in the future are no longer associated with the merchant's PayPal account, and there is no need to actively terminate the contract on the existing signing page. In addition, for your previously self-bound personal PayPal account, it is also recommended that you pay attention to it at any time to avoid loss caused by missing disputes and evidence.

    Q: In MOR mode, how to lend and inquire about the amount paid by buyers through PayPal?

    A: For orders paid by PayPal, the lending method is consistent with other payment methods on the platform, and can be inquired in the merchant background.

    Q: In MOR mode, how should merchants respond when buyers file disputes on the PayPal side?

    A: AliExpress will notify merchants through background station letters, emails, etc. Some types of refusal and disputes require merchants to provide evidence, merchants need to enter the station letters and provide evidence according to the instructions of the station letter content. The results of the dispute/refusal will also be communicated to the merchant through an in-station letter.

    Q: How to check the progress of PayPal disputes in MOR mode?

    A: The progress of PayPal disputes is currently not available in the backstage of merchants. If you need to know the progress of PayPal disputes, please consult AliExpress Xiaohe.

    Q: In the MOR mode, merchants are dissatisfied with the verdictability of PayPal disputes. Can they appeal?

    A: PayPal disputes are ultimately responsible for the PayPal side. It is recommended that you pay attention to the letter notice in the station in time, provide as much detail as possible when providing evidence, and improve the probability of winning the lawsuit. If you encounter unreasonable judgment, you can contact AliExpress Xiaohe for assistance.

    Q: Can merchants withdraw from PayPal payment in MOR mode?

    A: At present, merchants are not supported to withdraw from PayPal payment alone, because in the MOR (Merchant of Record) mode, AliExpress platform will access PayPal as an overall merchant. If consumers use PayPal in the MOR mode, the handling fee will be greatly reduced. In addition, PayPal has always been a very trusted payment method for overseas consumers. We believe that using PayPal payment as a whole can bring higher conversion and higher customers to merchants. Unit price.

    AliExpress



    fund management
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    Fund account management
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    Alipay International Account

    Introduction and Frequently Asked Questions of the New Version of International Alipay

    • 1) For the background and frequently asked questions of this upgrade, please click here: https://servicehall.aliexpress.com/knowledgeDetail? hcAppId=1256&hcFromCode=vCRvWPRhl&knowledgeId=915366beafc84539849ace7dcb731622

      2) New version of the International Alipay User Guide: https://files.alicdn.com/tpsservice/31a35843878b5fe1133a29cfbf165e1b.pdf

      3) If you have any relevant questions and suggestions during use, you can give relevant feedback through the following links. https://survey.alipay.com/apps/zhiliao/RbWyOuVQ

      4) [How to determine whether it has been migrated to the new version of the international Alipay account] You open the AliExpress background "Trading-Capital Account-Alipay International Account" page. The logo comparison in the upper left corner of the new and old pages is as follows:

      5) [Special attention]: Due to the time required to synchronize order data, newly migrated merchants are expected to initiate foreign exchange settlement within 5 working days after migration. A group of recently migrated merchants please try again on January 15, 2020.

      The following is an error screenshot of the new migration merchant initiating foreign exchange settlement after the migration, which generally shows that the amount cannot exceed the available balance (0.00 USD). Please try again in 5 working days.

      Frequently asked questions:

      • Where is the new version of International Alipay?
      • The foreign exchange settlement button needs to be seen in the USD account, and there is only a transfer function in the CNY account. Click the USD account as shown in the figure below to see the foreign exchange settlement button, as shown in the figure below:
      •  Can the foreign exchange settlement be transferred to the private bank account of the unillegal person?
      • No. Foreign exchange settlement can be bound to the domestic account of an individual legal person or the domestic Alipay account of the enterprise.
      • What is the freight withholding logic after the new Alipay switches?
      • The system will give priority to automatically deducting RMB from your bound Alipay (domestic) account. If Alipay has insufficient funds, it will automatically deduct US dollars from your AliExpress US dollar account. If you don't bind domestic Alipay, you can deduct US dollars directly from your AliExpress account.
      • The deduction order of domestic personal Alipay is based on the deduction order set by your account, as follows:
      • How long is the time limit for the settlement of the new Alipay international account?
      • Please wait patiently for 5 working days after the initiation of the foreign exchange settlement.
      • Note: The time of settlement will be affected by the holidays in mainland China, Singapore and Hong Kong, and the time limit for settlement will be moved accordingly.
      • How to enter the new version of the international Alipay page:
      • Answer: Please enter the "Transaction-Capital Account-Alipay International Account" page. After migration, the balance of AliExpress account will be migrated to the new international Alipay page, and the new transaction records will also be viewed on the new page.
      • How to switch languages for the new Alipay page?
      • A: You can switch in the lower right corner of the page, as shown in the figure below:
      • The new version of the international Alipay page is not bound to the RMB Alipay account entrance. How to refund the annual fee?
      • Answer: After January 8, 2020, when the annual fee settlement is opened, a binding entrance will be added under the "Account and Authentication" page. Please pay attention to it at that time.
      • How long will the reservation in the billing download be displayed in the download record after the billing download?
      • Answer: It varies from a few seconds to a few minutes. It depends on the size of the merchant's downloaded file. It is recommended to read it later.
      • Is there any requirement for a secure mailbox, such as having to be consistent with the registered mailbox or something else? I hope there is a clear logic.
      • Answer: There is no requirement. The first time the security mailbox is synchronized to Alipay is the login mailbox, and merchants can modify it. It doesn't have to be exactly the same as the registered mailbox.
      • The OBO information can be filled in once, right? No matter who the cash withdrawal account is, the OBO information is consistent with the enterprise information of AliExpress account real-name authentication, such as detailed streets, right?
      • Answer: Yes, please fill in with the latest information. The address bar has a character limit, which is generally 128 characters. If "System Exception, please try later" appears when filling in, you can suggest that merchants shorten the characters.
      • After the funds are migrated to the new version of Alipay, will the previous fund details be migrated?
      • No, the detailed records before the migration should still be viewed in the capital details in the upper right corner of AliExpress account page.
      • Why is the bill different from before? How to reconcile the bill?
      • Please click here to view the reconciliation business introduction of the new Alipay version.
      • How to inquire about the order number in the advance recovery share bill?
      • Since we lend you in advance for some orders, but subsequent refunds or rejections of your orders, we need to recover, so there will be a type of "withholding outflow" - "platform advance deduction - advance recovery share detailed bill (15************) on your capital record page 20 0**************" records, the corresponding order number inquiry method is as follows: please enter the bill ID below in parentheses in the record, such as "15************" and click "Search": https://gsp.ali express.com/apps/fund/debt
      • Note: Please open the above page when logging in in the background.

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