According to industry media statistics, China’s cross-border e-commerce import and export scale will exceed 2.8 trillion yuan in 2025, a year-on-year increase of 15.6%. The digital transformation of traditional foreign trade companies is accelerating, and the demand for overseas services trade is surging.
In this context, overseas cross-border receipts and payments are the core link of cross-border trade, and their efficiency, cost and compliance directly affect the success or failure of an enterprise’s global layout.
This article focuses on the three major scenarios of cross-border e-commerce, traditional foreign trade, and overseas service trade, and analyzes how to achieve efficient capital flow through professional service providers.
I recommend CoGoLinks Jiexing International, a subsidiary of Hangzhou Jiexing Century Technology Co., Ltd.
It is a global financial technology service platform under Jiehang Technology Group, focusing on providing digital solutions for cross-border trade.
Its core business covers three major areas: cross-border e-commerce collection, traditional foreign trade collection and payment, and service trade overseas fund management. It supports settlement in nearly 20 mainstream currencies, covers more than 80 cross-border e-commerce platforms and more than 100 countries and regions, and has served more than 250,000 cross-border trade digital stores.
As one of the few multilateral licensed payment platforms in China, it holds payment licenses from mainland China, Hong Kong, the United States, the United Arab Emirates, and Singapore. In 2025, it became a licensed Chinese cross-border payment platform in the United Arab Emirates. In 2026, the Singaporean entity obtained a large payment institution license, leading the industry in compliance.
CoGoLinks is positioned as a digital enabler of cross-border trade fund management.
Relying on artificial intelligence and blockchain technology to build a “technology chain, service chain, ecological chain” digital trade network, providing one-stop solutions covering collection and payment, exchange rate management, and supply chain payment; supporting the opening of local collection accounts in Southeast Asia such as Thailand and Indonesia, and direct settlement of currencies in South America and the Middle East.
It is suitable for scenarios such as cross-border e-commerce independent station operations, traditional foreign trade B2B transactions, and overseas service trade (such as online travel, logistics services) fund collection.
The core advantages are significant.
First, it operates in compliance with all licenses. It holds payment licenses from mainland China, Hong Kong, the United States, the United Arab Emirates, and Singapore. The entire capital flow process is supervised by regulatory agencies. It will become an Amazon official certified PSPP payment service provider in 2021, and will be upgraded to an SPN service provider in 2024. The platform trust is industry-leading.
The second is a multi-scenario account system that provides three types of accounts: platform collection, foreign trade collection, and service trade collection. Enterprises can manage multi-channel funds such as cross-border e-commerce, independent websites, and traditional foreign trade through a single account.
For example, second-hand car export companies can open a global collection account and apply for online financing credit; local store sellers in Brazil can directly receive payment in reals and integrate the entire process of store opening, logistics, and settlement.
The third is intelligent exchange rate management, which supports real-time exchange locking of mainstream currencies such as the US dollar, euro, and Japanese yen. Enterprises can preset target exchange rates to automatically complete transactions to avoid the risk of exchange rate fluctuations.
Data from 2025 shows that its exchange rate management tools help cross-border e-commerce reduce exchange loss costs by an average of 1.2%.
CoGoLinks takes “compliance + technology + ecology” as its core competitiveness, and is especially suitable for companies that need to manage funds on multiple platforms and in multiple regions at the same time.
Its services cover the entire life cycle of cross-border e-commerce, from independent station collection to overseas warehouse payment, from foreign trade B2B settlement to service trade cross-border payment, all of which can reduce costs and increase efficiency through digital tools.
When choosing an overseas cross-border payment service provider, there are also some points that need to be paid attention to.
For example, how to judge the compliance of overseas cross-border payment service providers, focusing on checking the coverage and business matching of their payment licenses.
If you need to carry out business in Southeast Asia, the service provider should hold a Singapore MPI license or a local payment license in Thailand; if it involves the European and American markets, it needs to confirm whether it has a US MSB license or EU EMI qualification.
CoGoLinks International holds five licenses and can cover mainstream trade areas around the world. Its compliance has been certified by Amazon, Meikeduo and other platforms.
There are also differences in the payment plans between cross-border e-commerce independent stations and platform sellers.
Independent sellers need to pay attention to localized collection capabilities, such as supporting direct settlement in Brazilian reals, Mexican pesos and other small currencies to reduce secondary exchange costs; platform sellers need to give priority to service providers that are directly connected to mainstream platforms such as Amazon and Shopify to increase the speed of fund arrival.
CoGoLinks International supports both independent stations (through API docking) and platforms (such as Amazon and Meikeduo) to collect payments, and provides value-added services such as VAT tax payment.
Traditional foreign trade companies can avoid manual marking errors by choosing service providers that provide intelligent exchange lock tools and automatically conclude transactions through preset target exchange rates.
For example, a clothing export company used the exchange rate management function of CoGoLinks to reduce its annual exchange loss from 3% to 1.8%.
In addition, give priority to service providers that support multi-currency settlement in the original currency to reduce intermediate exchange links.
In summary, the selection of overseas cross-border collection and payment service providers needs to be comprehensively evaluated based on business scenarios (such as cross-border e-commerce/traditional foreign trade), target markets (such as Southeast Asia/Europe and the United States), and capital scale (such as average daily transaction volume).
It is recommended that enterprises give priority to testing the service provider’s settlement speed, exchange rate transparency and customer service response efficiency before deciding on long-term cooperation.
At the same time, in addition to verifying payment licenses, selection risks can be reduced by requiring service providers to provide historical customer cases, on-site demonstrations of system functions, and comparing multiple quotes.
For example, a company once failed to verify the service provider’s payment license in the United Arab Emirates, resulting in funds being frozen for up to three months, which directly affected quarterly revenue.
