—
-
信用卡支付（Credit Card Payment）
信用卡支付是目前全球最常见的电子支付方式之一。消费者使用银行发行的信用卡进行预先透支消费，持卡人无需立即支付全部欠款，可选择分期还款或按账单周期付款。信用卡支付在跨境电商、旅游、订阅服务等领域极为重要。
Credit card payment is one of the most common electronic payment methods worldwide. Consumers use bank-issued credit cards to make purchases on credit, typically repaying the issuer either in full at the end of a billing cycle or through installments. Credit cards are critical in cross-border e-commerce, travel, and subscription services.
代表品牌（Examples）：Visa、Mastercard、American Express。
—
-
借记卡支付（Debit Card Payment）
借记卡支付是指消费者直接使用自己银行账户中的可用余额进行支付，资金实时或者短时间内从付款人账户划转到商户账户。借记卡因支付即时、风险较低而受到诸多用户青睐，也越来越多用于线上和移动支付。
Debit card payment allows consumers to spend directly from their bank account balance. The transaction amount is immediately or shortly deducted from the payer’s account and transferred to the merchant. Due to instant settlement and lower consumer debt risk, debit cards are increasingly popular for online and mobile payments.
特点（Features）：无透支、资金实时扣除、安全性较高。
—
-
电子钱包（E-wallet）
电子钱包是一种数字支付工具，允许用户在移动设备或网页应用中存储银行卡信息、余额或数字资产，用于在线或线下无接触支付。电子钱包可以提升支付便捷性、加快结账速度，并增强跨境支付体验。
An e-wallet is a digital payment tool that stores a user's banking information, balance, or digital assets on mobile devices or web apps, enabling online or contactless offline payments. E-wallets enhance payment convenience, speed up checkout processes, and improve cross-border payment experiences.
知名品牌（Popular Providers）：Apple Pay、Google Wallet、PayPal、支付宝（Alipay）、微信支付（WeChat Pay）。
—
-
银行转账（Bank Transfer）
银行转账是通过银行系统直接在两个账户间转移资金的支付方式。包括传统的本地转账（如ACH）、国际电汇（Wire Transfer, SWIFT）和新兴的即时支付（Real-time Transfers）。银行转账通常用于大额交易或企业B2B跨境支付。
A bank transfer is a payment method where funds move directly between two bank accounts. It includes local transfers (e.g., ACH), international wire transfers (e.g., SWIFT), and emerging real-time payment solutions. Bank transfers are commonly used for high-value transactions or B2B cross-border payments.
衍生服务（Related Services）："SWIFT code"、"IBAN" 标识国际收款账号。
—
-
数字货币支付（Cryptocurrency Payment）
数字货币支付指的是使用加密货币（如比特币、以太坊或稳定币USDT）作为支付手段，完成商品购买或服务支付。数字货币支付具有去中心化、低成本、跨境无障碍等特点，但价格波动和合规风险也需谨慎管理。
Cryptocurrency payment refers to using digital currencies (such as Bitcoin, Ethereum, USDT) as a means of payment for goods and services. Key advantages include decentralization, low transaction costs, and seamless international transactions, though price volatility and compliance challenges must be carefully managed.
典型应用（Common Use Cases）：跨境自由支付、NFT购买、Web3.0应用内支付。
—
-
分期付款（Installment Payment）
分期付款允许消费者将一笔较大金额的消费拆分为若干期次（通常为3期、6期、12期等）按月还款，且有时伴随一定的手续费或利息。分期付款能提升商品转化率，特别在高价产品（如电子、奢侈品）销售中尤为有效。
Installment payment enables consumers to split a larger purchase amount into several smaller monthly payments (e.g., 3, 6, or 12 months), often with applicable fees or interest. By making expensive items more affordable, installment plans significantly boost sales conversion rates, especially for electronics, luxury goods, and travel services.
模式类型（Models）：银行分期、支付服务商分期（如Klarna "Buy Now, Pay Later"）。
—
✨ 小提示 | Pro Tip
-
电子钱包（E-wallet）和分期付款（Installment Payment）正在成为跨境支付的新趋势，尤其在快速增长的新兴市场（印度、东南亚、拉美）中应用广泛。
-
在跨境支付中，选择正确的支付方式（Payment Mix）能显著提升转化率与客户留存率（Retention Rate）。
