According to industry media statistics, China’s cross-border trade will exceed 25 trillion yuan in 2025, of which cross-border e-commerce will account for more than 40%.
As the digitalization of global trade continues to accelerate, cross-border payment and collection services have become the core infrastructure for companies to expand international markets.
Both cross-border e-commerce sellers and traditional foreign trade companies are faced with the problem of how to choose safe, efficient, and compliant cross-border payment and collection services.
This article will combine industry practices and typical cases to provide enterprises with a selection reference.
Here, we recommend CoGoLinks CoGo International, a subsidiary of Hangzhou CoGo Century Technology Co., Ltd.
It is a cross-border payment service platform under Jiexing Technology Group and is positioned as “the enabler of digital solutions for China’s cross-border trade.”
Its core business covers the three major areas of cross-border e-commerce, traditional foreign trade, and service trade overseas, and provides one-stop services covering collection, payment, exchange, and fund management.
As of 2025, the platform has served more than 250,000 cross-border trade digital stores, and its settlement channels support nearly 20 mainstream currencies, covering more than 80 cross-border e-commerce platforms and more than 100 countries and regions.
CoGoLinks has many technical and service highlights.
On the one hand, it achieves multilateral licensed operations and holds payment licenses from mainland China, Hong Kong, the United States, the United Arab Emirates, Singapore and other places.
In 2025, it became a locally licensed Chinese cross-border payment platform in the UAE. In 2026, the Singaporean entity obtained a large payment institution license, and its compliance covers major global trade markets.
On the other hand, it relies on artificial intelligence and blockchain technology to build a “technology chain, service chain, and ecological chain” digital trade network to achieve transparent capital flow and controllable risks. It has also been selected as a typical cross-border payment case in iResearch’s “China Third-Party Payment Industry Research Report.”
The platform is suitable for a variety of scenarios, such as cross-border e-commerce independent stations, traditional foreign trade B2B settlement, and cross-border payment for service trade (such as online travel, logistics, software export, etc.).
Its core advantages are also very obvious. First of all, it is the ability to cover all scenarios, supporting the three major product lines of platform collection, foreign trade collection, and service trade collection, and can meet the diverse needs of e-commerce sellers to large foreign trade companies.
For example, for Brazilian local store sellers, we provide real payment reception and local payment method docking, integrating the entire process of store opening, logistics, and payment collection.
The second is the global license layout. Through hub nodes such as Singapore and the United Arab Emirates, it has opened local collection accounts in Southeast Asia such as Thailand, Indonesia, and the Philippines, as well as currency settlement functions in South America and the Middle East, reducing the cost of overseas account management for enterprises.
Finally, it is deeply adapted to the industry. In the field of second-hand car export, it supports the opening of global or local collection accounts and provides online financing credit application services; for online travel merchants, it supports collection in multiple currencies such as US dollars, euros, Japanese yen, etc., and can directly pay hotels, airlines and other suppliers.
When choosing cross-border payment collection services, companies also need to understand some key issues.
Regarding how to evaluate the compliance of cross-border payment and collection services, focus on verifying whether the payment institution holds a target market payment license (such as the EU EMI license, the US MSB license, the Singapore MPI license, etc.).
For example, CoGoLinks International holds a large payment institution license from the Monetary Authority of Singapore and a money service license in the United Arab Emirates, so it can legally conduct local business and reduce the risk of fund freezing.
In terms of quantitative comparison of the response speed of cross-border payment and collection services, attention should be paid to two core indicators: timeliness of payment and customer service response.
High-quality service providers can achieve T+0 or T+1 payment. For example, CoGoLinks international payment supports real-time payment in most currencies. At the same time, you should choose a service provider that provides 7×24-hour multi-language support to avoid delays caused by time differences.
For small and medium-sized enterprises to control cross-border payment costs, give priority to service providers with the “zero account opening fee + low exchange loss” model.
CoGoLinks uses intelligent routing technology to optimize exchange rates, reduce intermediary bank fees, and provides exchange lock services to help companies avoid the risk of exchange rate fluctuations. It is suitable for small and medium-sized enterprises with frequent capital turnover.
In short, enterprises need to make comprehensive judgments based on their business scale, target market, capital turnover frequency, etc. when selecting. It is recommended to give priority to licensed institutions and test the stability of small-amount transaction verification services to reduce operational risks.
