收款代理服务是一种支付服务，允许客户在便利店支付网上购买的商品和服务以及公共事业缴费单（例如电费和煤气费）。

如果企业使用收款代理服务，则无需与每家便利店签订单独的合同。企业还可以同时与多个收款点签订合同，确保业务高效运营。

如果客户购物的网站已经与收款代理签订了合同，他们将能够在便利店付款，而无需信用卡。这种更高的便利性可能会促使更多的客户访问该网站。

在本文中，我们将介绍收款代理的基本功能，包括它们的工作原理、涉及的费用以及使用它们的优缺点。

目录

• 什么是收款代理服务？
  
• 使用收款代理的优点
  
• 使用收款代理的缺点
  
• 收款代理和支付代理的区别
  
• 如何为您的公司选择合适的代理
  

What is a receiving agent service?

A receiving agent service collects convenience store payments that customers make, and it is sometimes called a “convenience store receiving agent.” Businesses can reduce their workload by using a receiving agent; they sign a contract with one receiving agent company, which then handles payments from all convenience store companies.

There are various payment methods that companies and stores—including ecommerce websites—offer to their customers, such as credit card payments and iD payments. However, although these cashless payment methods are ranked highly in terms of frequency, there are also customers who are reluctant to use them due to security concerns. In Japan, customers still use convenience store payments—i.e., payments via receiving agents with the option to pay by cash—in a variety of situations, such as paying utility bills and national health insurance premiums.

Additionally, the number and types of payment methods a business offers can greatly affect online sales, such as in the case of receiving agents and various cashless payments. For the customer, the more payment options an ecommerce website offers, the easier it is to buy products. Therefore, if businesses can respond to the payment needs of a wide range of customers, they will appeal to a larger market and can potentially increase their sales.

By using both cashless payments and a receiving agent service, you can offer convenience store payments from your own ecommerce website, expanding your customer base.

How a receiving agent works

Receiving agent services complete payments by following the following steps:

• A business issues a payment slip or a payment number to customers who have ordered products or services.
  
• The customer pays at the storefront or terminal of the convenience store.
  
• The convenience store notifies the receiving agent that a payment has been made.
  
• The receiving agent transfers the payment to the seller.
  

Note that it usually takes 50 to 60 days from the time the customer makes the payment before the funds are transferred to the business.

Fees for receiving agent services

In addition to the initial fee that a business incurs when the service begins, there is also a basic monthly fee and an additional fee for each transaction.

The amount of these fees will vary depending on the services provided by each agent service. However, when deciding which agent service to use, it is important to carefully choose one that best suits your needs—taking into account its prices and also the quality of its services and security measures.

In addition, you should compare the expenses involved in using a receiving agent service with the expected sales you will gain from using the service. It is also important to consider the best time to implement these services, so that you can plan ahead financially.

使用收款代理的优点

使用收款代理的主要好处是：

您的销售机会将扩大

如果网店只接受信用卡付款，则没有信用卡的客户将无法从该商店购买商品。没有信用卡的客户的情形各不相同；在某些情况下，他们担心安全风险，或者由于信用记录有问题而难以获得信用卡。

但是，如果企业使用收款代理来接受便利店付款，而不是仅针对那些拥有信用卡的客户，那么企业将能够锁定更广泛的客户，例如那些只能用现金支付的客户。

全天 24 小时营业的便利店不仅满足了喜欢用现金支付的客户的需求，而且还为卖家带来显著的好处：他们可以通过在发货前收款来提供服务并提前收款。

您可以合并与每个便利店公司的合同

直接与每家便利店公司签订合同可能会给企业带来沉重负担，因为它必须分别与每家公司打交道。

但是，如果您使用收款代理服务，收款代理将充当您与便利店公司之间的中介，并代表您办理手续。这样，您可以一次与多家便利店签订合同。

只需与一家收款代理服务签订合同，您就可以处理多家便利店的付款。这种简化的承包流程大大减轻了您的管理负担。

轻松管理支付信息

收款代理公司提供与客户付款相关的信息管理服务，包括付款通知和交付状态。例如，如果客户使用该服务付款，代理机构将向企业发送通知。

由于收款代理通过其信息管理服务跟踪付款状态，因此企业无需关注每个订单。这样可以很容易地避免错误和问题，例如在付款未确认时延迟或执行装运，并且可以改善整体服务。

通过以这种方式使用收款代理服务，可以集中管理大量付款详细信息，从而使电商网站的运营商能够有效地开展工作。

使用收款代理的缺点

虽然使用收款代理有很多优点，例如扩大销售机会，但也有几个缺点：

涉及费用和其他成本

使用收款代理服务涉及各种费用。因此，在某些情况下，您可能会发现使用此服务无利可图。

收款代理服务通常有基本的月费。但是，除了此固定成本外，企业在每次客户付款时都会产生费用。因此，如果没有客户使用便利店支付系统，每月的基本费用可能是一笔无谓的开支。

为避免这种情况，在决定使用收款代理服务之前，务必要评估服务的成本效益，同时考虑您公司的客户群和其他重要因素。

存在无法收款的风险

收款代理提供两种支付方式：预付款和货到付款。使用货到付款时，客户根据他们收到的货物中随附的付款单在便利店付款。

但在这种情况下，如果客户在收到订单后不付款，收款代理将无法收取付款。这就使企业收入蒙受重大损失。因此，使用货到付款的企业需要注意无法收款的风险。

根据收款代理服务的不同，可能会有适当的系统来保证或确保企业无法收取的付款。但是，这些系统会增加收款代理收取的费用。

使用代理可能导致安全风险

我们之前介绍了一个事实，即收款代理的好处之一是管理销售和客户付款信息。换言之，企业经营者与收款代理共享此信息。

但这也意味着，如果收款代理存在安全问题，例如数据泄露，则存在损害公司声誉和失去公众信任的风险。

因此，一定要确保收款代理有足够的安全措施。

The difference between receiving agents and payment agents

Both receiving agents and payment agents are services that handle payment-related tasks on behalf of the customer. However, there are some differences between these two types of services.

• Types of payment methods that can be used
  Generally, receiving agents specialize in payment via convenience stores. In contrast, payment agents also cover a variety of other payment methods, including credit card payments, electronic money payments, and internet banking. By using a payment agent, you can introduce multiple payment methods at once.
  
• Who pays the fee?
  Handling fees work differently for receiving agents and payment agents. When you begin using a receiving agent, you can specify whether the business or the purchaser will bear the cost of the handling fee. However, with payment agents, the business operator typically bears the cost of the fee.
  
• Type of transaction
  Receiving agents specialize in convenience store payments and are typically used for business-to-consumer (B2C) transactions with general customers. Payment agent services, on the other hand, can be used for business-to-business (B2B) transactions in addition to B2C. Compared to receiving agents, payment agents offer a wide range of services that are useful for B2B transactions.
  

如何为您的公司选择合适的代理

务必根据各种因素来决定收款代理还是支付代理更适合您的企业。

如果您公司的电商网站有许多用户不仅在便利店付款，而且还使用信用卡付款，您可能需要选择支付代理。另一方面，如果您能够通过只在便利店接受付款来满足客户的需求，则可以选择成本相对较低的收款代理服务。

如果您选择支付代理，请务必了解费用结构的细节，因为每多处理一种支付方式，费用就会增加。相比之下，如上一节 所述，收款代理费用因您签约的服务而异。

因此，在决定是使用收款代理还是支付代理时，您不应只关注价格。检查所提供的服务水平以及安全措施是否到位也很重要，这将使您能够根据对业务规模和客户群的了解做出全面的决策。

Stripe Payments 支持多种支付方式，包括便利店和信用卡支付。此外，Stripe Payments 还提供各种与支付相关的功能，例如实施支付、处理信息和管理收入。Stripe 还遵守国际安全标准，如支付卡行业数据安全标准 (PCI DSS)，对个人信息和交易数据采取全面的安全措施，以防止未经授权的访问，例如通过安全套接字层 (SSL) 和传输层安全 (TLS) 技术进行数据加密。