{"schema_version":0.1,"batch":"2026-09","updated":"2026-09-16","category":"A8-支付机构","count":17,"payments":[{"id":"am-us-payoneer","name":"Payoneer（派安盈）","name_en":"Payoneer","hq_country":"美国","hq_city":"纽约","country":"美国","markets":["美国","英国","欧盟","中国","中国香港","日本","新加坡","澳大利亚","印度"],"countries":["美国","英国","欧盟","中国","中国香港","日本","新加坡","澳大利亚","印度"],"license_note":"美国＝Payoneer Inc FinCEN 注册 MSB（31000288349183）＋各州 Money Transmitter 牌照；爱尔兰央行 EMI（C189473）；英国 FCA EMI（966835）；新加坡 MAS MPI（PS20200604）；香港海关 MSO（15-10-01734）；日本关东财务局资金移动业（00045）；澳 ASIC（504803）；印度 RBI OPGSP（UIN MULO16008013）；中国＝派安盈支付（广东）有限公司持央行《支付业务许可证》（2025 年收购易联支付/PayEco 所得，中文名更名经央行广东省分行批准、批复广东银许准予决字〔2025〕第9号，T2 证券时报/新浪互证）；注册号清单源＝官方 Multi-jurisdictional licenses 页（T1）","services":"跨境电商收款（平台/本地收款账户）、多币种账户（70+ 币种）、外贸 B2B 收款、供应商付款与批量付款、独立站收单（Checkout）、换汇（Smart FX）、VAT 缴税、发卡（商业万事达卡）、资金方案、退税、EOR/AOR 人力支付、开发者 API","served_platforms":"Amazon、Walmart、TikTok Shop、eBay、Shopee、Mercado Libre、Etsy、Shopify（payoneer.cn 官方明示＋官方时间线；Wish/Lazada 无 T1 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Ltd.，PS20200276，MAS FID 在册）；美国 33 州 MTL（NMLS 1528562，经 CFSB/Cross River Bank 项目）；英国 FCA 三实体（AEMI 901024 等）；香港海关 MSO（16-01-01797，非 HKMA）；日本 Type 1+2 资金移动业（关东财务局 00073）；欧盟立陶宛 EMI＋马耳他 EMI；澳 AFSL/AUSTRAC、巴西央行 PI（2025-08）、加 FINTRAC 等（官方页未列中国大陆牌照）","services":"跨境派付（190+ 国家，100+ 实时到账走廊）、多币种账户与收款（100+ 币种）、全球外汇（125+ 币种）、全球发卡（30+ 市场自持 BIN）、稳定币派付与稳定币卡、账户核验与 SWIFT 接入","served_platforms":"B2B 支付基础设施（API）不直接面向终端卖家：银行（Mashreq、Kbank）、薪酬平台（Remote）、市场平台/金融科技（Lemonway、Aspire、Ebury）、旅游航空（Air Europa）；卖家经其发卡/派付通道间接覆盖","china_seller":"无中文界面与面向中国卖家的直接收款产品（未核实）；对华派付通道在册（CN，最快 Instant）；2021-07 富友支付×Visa×Nium 香港三方全球商务支付合作（Visa 官方新闻稿，面向跨境电商等场景，是否延续未核实）","fee_note":"企业报价制无公开费率表（仅宣称透明定价、无隐藏加价）；同集团消费者品牌 Instarem 有公开价格页（本次未取数）→ 官方入口 https://www.nium.com","sellers_url":"https://www.nium.com","website":"https://www.nium.com","geo_source":"新加坡 Capital Tower 建筑坐标（Wikidata Q2614510，WGS84；办公地址见 nium.com/contact-us）","geo_source_url":"","sources":["https://www.nium.com/licenses","https://eservices.mas.gov.sg/fid/institution/detail/200939-NIUM-PTE-LTD","https://www.nium.com/about-us","https://cn.nium.com/","https://www.visa.com.hk/zh_HK/about-visa/newsroom/press-releases/nr-hk-210719.html","https://www.nium.com/newsroom/nium-secures-payment-institution-license-brazil"],"verified_date":"2026-09-16","verify_level":"T1抓取","notes":"双总部＝新加坡＋旧金山（官方口径），地图点位取新加坡 Capital Tower；香港 MSO 由香港海关发（非 HKMA）勿写错；面向中国卖家的直接产品与公开费率未核实；官方数字口径不一（年发卡 38M vs 41M+）已并列留置"},{"id":"as-cn-skyee","name":"Skyee（收款易）","name_en":"Skyee","hq_country":"中国","hq_city":"广州","country":"中国","markets":["中国","中国香港","新加坡","美国","英国","日本","加拿大"],"countries":["中国","中国香港","新加坡","美国","英国","日本","加拿大"],"license_note":"新加坡 MAS MPI（SKYEE PTE. 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辖区实体：香港＝Photon Dance (Hong Kong) Limited 海关 MSO（15-04-01638）＋SFC 1/4/9 类（BWJ859，SFC 公共注册库已回溯命中）＋TCSP＋放债人牌照 308/2026；英国 FCA API（FRN 801082，注册库 403 未回溯）；美国 FinCEN MSB＋NMLS 2756066＋19 州 MTL；加拿大 FINTRAC（M21161397）；阿联酋 DFSA Cat 3D（F010944）；波兰 KNF 小型支付机构；中国内地无支付牌照、境内金融服务由持牌第三方合作（官方三处声明）","services":"跨境电商收款（17 币种本地账户）、在岸人民币结汇、外贸/B2B 收付、全球收单（100+ 币种＋稳定币＋60+ 本地支付方式）、全球付款、汇兑管理、全球发卡（Discover 大中华区发卡行＋Mastercard）、VAT 缴税/出口退税、全球发薪、嵌入式金融 API","served_platforms":"Amazon、TikTok Shop、Shopee、SHEIN、Temu、Mercado Libre、Shopify（中文收款页具名＋新闻室上线公告；50+ 平台全量清单官方不公示）","china_seller":"开放——官方简体中文站 photonpay.com.cn 在营（粤ICP备2026028098号-1；全球站 /cn/ 实测 302）；收款页面向跨境电商卖家（店铺授权/结汇额度/VAT/退税）、自述直连 50+ 平台；境内金融服务由持牌第三方合作机构承接（官方声明）","fee_note":"全球账户开户免费、无月费；收款手续费最高 0.3%；在岸人民币结汇 0.5%；发卡开卡 1 USD/卡、卡交易 1%；卖家级综合费率仅注册流程内报价 → 官方入口 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