Gateway to Receive Global Payment in HK | 在香港接收付款的方法

Doing Business in Hong Kong, buyers come from worldwide. Many startup owners wonder how to receive global payment when they sell their products or services overseas. Different payment gateways will have different charges. According to HKMA, over 29 multinational banks are having their regional headquarters in Hong Kong. Currently, virtual banks and business accounts are creating a new market for an alternative method to transfer your payment. You should recognise each of the gateway’s benefits before you open your business account.

1. Traditional Bank

Opening a bank account is the last process of your company formation. Without a bank account, you cannot handle any transaction to your business. Therefore, the traditional bank account is the most common option for entrepreneurs. Totally 22 licensed banks (including HSBC, OCBC, DBS and BOC) are not only operating current and savings accounts but also supporting the corporate account. For the international transaction, you may concern about the fee and rate of each transfer. Normally, the traditional bank will charge HK$50 – 150 and an exchange rate. The exact exchange rate depends on the bank. If your business has a huge amount of transactions, you should seriously consider which bank is the most suitable for you.

2. Virtual Bank

Along with the combination of financial and technology, HKMA published a guideline on the authorization of virtual banks. In 2020, ZA Bank launched its services to the public and create a new era in the financial industry. Compared with the traditional bank, virtual banks do not have any physical branches. Regular banking services are included such as opening accounts, deposit withdrawal services etc… Recently, ZA bank provided business account service which allows you to operate your company.

3. Fintech

The payment gateway is a digital system that instructs the payments from your customer or merchant’s bank account. Using this technology, the customer and receiver could accept or decline the payment. It is suitable for entrepreneurs who are just starting their businesses. The application process is easier than the traditional bank.  Normally, it takes 2-3 days once the document submission and verification process are completed. You may concern about the security issue. Most of the payment gateways such as Currenxie, Airwallex and NEAT are licensed by the Hong Kong Customs and Excise as a Money Service Operator and also the Electronic Money Institution (EMI) by the UK Financial Conduct Authority with registration number 901010. Your funds are protected by the government authority.

No matter which payment method you have chosen, KPC Business Centre has 14 years of experience in bank account application. Mail [email protected] / Whatsapp us +852 9130 2236 your questions if you are confused with the application process.

在香港做生意時，會有來自世界各地的買家。許多初創公司老闆者想知道在海外銷售產品或服務時有什麼收款方法。不同的支付平台會有不同的收費。據金管局稱，有超過29 間跨國銀行的亞太區總部設在香港。目前，虛擬銀行正在為另一種轉移支付方式創造一個新市場。在您開設企業賬戶之前，您可以先了解認識不同平台網關的每優點。

1. 傳統銀行

開立銀行戶口是您公司成立的最後一步。例如沒有銀行戶口，您將無法處理業務中的任何交易。因此，傳統的銀行賬戶是創業者最常見的選擇。共有 22 家持牌銀行（包括匯豐銀行、華僑銀行、星展銀行和中國銀行等）不僅提供活期和儲蓄賬戶，還有商業賬戶。對於每一筆國際匯款，您可能會關心每次轉賬的手續費和匯率。傳統銀行通常會收取 $50-150和定時匯率。具體匯率取決於銀行。如果您的業務有大手筆的交易，在開戶前應該仔細考慮哪家銀行最適合您。

2. 虛擬銀行

隨著金融與科技的發展，金管局發布了虛擬銀行授權指引。 2020年，眾安銀行全面服務大眾，開創金融行業新紀元。與傳統銀行相比，虛擬銀行沒有任何實體分行。包括開戶、存款取款等常規銀行服務……最近，ZA銀行提供商業賬戶服務，讓您可以處理國際匯款。

3. Fintech

Fintech的興起，您的客戶或商家的銀行賬戶能使用這項技術進行支付。適合剛開始創業的老闆。這些Fintech的申請過程比傳統銀行更容易。文件提交和驗證過程大約需時 2-3 天便完成開戶申請。您也可能會擔心安全問題。大多數的Fintech，如 Currenxie、Airwallex 和 NEAT 均已獲得香港海關許可作為貨幣服務運營商，部分機構並且還獲得了英國金融行為監管局的電子貨幣機構 (EMI) 許可。因此，您的資金至少受到政府當局的保護。

無論您選擇哪種支付平台，KPC商務中心擁有14年的銀行開戶經驗。如果您對申請流程有疑問，歡迎發送郵件至 [email protected] / Whatsapp 我們 +852 9130 2236。