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TABLE OF CONTENTS..检索目录


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TABLE OF CONTENTS..检索目录


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TABLE OF CONTENTS

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检索目录

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GENERAL..基础信息


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GENERAL..基础信息


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What is LATIPAY?        

The LATIPAY payment gateway is aimed solely at bridging the gap between China and New Zealand. It delivers the tools to expand economic links and grow trade by allowing currency to be seamlessly transacted cross border from CNY to NZD.

Our payment gateway is compliant in both China and New Zealand, is low risk, does not charge any fees or commission and allows currency to flow in excess of the annual Chinese currency cap of USD$50,000.

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什么是LATIPAY?

LATIPAY跨境支付平台是第一个完全着重于中国与新西兰货币支付的创新平台。 通过实现人民币对纽币的跨境无缝支付来扩大中纽经济交流及贸易量。

我们的支付通道同时遵守中国及新西兰的法律法规。在低风险的同时,我们不收取任何形式的手续费或者佣金,并不受中国个人每年外汇$50,000美元的限制。

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Who can use LATIPAY? 

LATIPAY can be used by anyone who needs to transfer CNY into a NZD account.

The LATIPAY payment gateway is built for the benefit of two distinct groups of users: 

MERCHANTS

New Zealand merchants, exporters, education and travel providers can send invoices and payment requests to Chinese clients, provide shipping updates and tracking information, track payments made by clients in China and at the end of a transaction, receive a payment in New Zealand dollars directly into their New Zealand bank account.

PAYERS

Chinese payers, businesses, students, travellers and consumers can pay for goods, study, flights or experiences in CNY using AliPay, WeChat, JDPay or one of 19 compliant online banks.

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谁可以使用LATIPAY?

任何有汇人民币到纽币帐户的需求的客户均可使用LATIPAY。

我们打造的支付通道致力于造福两个独特的群体:

商家

新西兰商家,外贸出口商,及教育以及旅游行业企业,可以通过发送账单及付款请求给中国客户,并选择是否附上物流追踪信息;同时在中国的客户付款后追踪货款,并在预留的银行帐户中直接接收新西兰元。

消费者

在中国的企业,学生,旅客及消费者可以通过支付宝、微信钱包、京东钱包、以及19家网上银行支付人民币,完成对商品、教育、航班和旅游项目的支付。

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Is LATIPAY available outside of China and New Zealand?

Currently the LATIPAY payment gateway is programmed to allow CNY to NZD payments only.

Expansion is in the pipelines though! We are working around the clock to broaden the LATIPAY horizons so the following currencys can be transacted:

  • CNY - AUD
  • CNY - SGD
  • CNY - USD

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LATIPAY可以在中国和新西兰以外的地区使用吗?

目前LATIPAY支付通道仅支持人民币对纽币的付款。

同时我们也在全面筹划拓展现有的服务项目。在不久的未来我们将推出下面几种货币的无缝支付。

  • 人民币 对 澳币
  • 人民币 对 新加坡元
  • 人民币 对 美元

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How much does it cost to use LATIPAY?

At LATIPAY, we pride ourselves on charging no fees and no commission, so from our perspective, having a LATIPAY account is free of charge.

When you transfer money into your LATIPAY account using an outside payment platform, for example, WECHAT, JD PAY or ALIPAY, these outside providers may charge an additional service or transaction fee. You can find out more about these fees on each individual payment platforms website.

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使用LATIPAY会产生任何的费用吗?

我们可以承诺LATIPAY不会收取任何形式的手续费或佣金,所以从我们的角度来说,拥有一个LATIPAY帐户是完全免费的。

当您通过其它平台汇款到LATIPAY帐户上的时候,比如说,微信钱包,JD钱包或支付宝,这些外部支付平台可能会收取一定的服务费或手续费。您可以在这些平台的官方网站了解到有关的收费详情。

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Are there any additional cost I should be aware of?

Other than the service charges applied by the external payment providers, (mentioned above) the only other cost you should be aware of is a bank fee for payments to overseas bank accounts.

When withdrawing funds from your LATIPAY account, payment to a New Zealand bank account is free of charge, however payment to an overseas bank account incurs a bank fee of NZD $25 per withdrawl. Please note that these figures are subject to change.

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有其它额外费用需要我了解与注意的吗?

除了在上一条中提到的其它支付渠道供应商会收取的服务费以外,唯一需要了解的是跨境转帐到境外帐户的过程中银行收取的手续费。

从LATIPAY帐户提现到任意新西兰银行帐户的过程均是免费的,但当提现到任意除新西兰外的海外银行帐户的过程中,银行会收取每笔提现NZD $25的手续费。请注意这些手续费可能会根据不同情况有所变动。

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Who is currently in the LATIPAY network and using the LATIPAY payment gateway?

We have an extensive group of New Zealand merchants who are currently utilising the LATIPAY payment gateway.

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有谁目前在LATIPAY的合作网络中并使用LATIPAY支付通道?

我们已经拥有一系列新西兰合作商家正使用LATIPAY支付通道。

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Who are LATIPAY’S partners?

We have worked with New Zealand’s top organisations and leading compliance lawyers to ensure the very highest levels of compliance and legality are integrated with the LATIPAY payment gateway.

We also work alongside our trusted technology partners to ensure we are constantly offering you the best products and solutions possible. LATIPAY’S technology partners provide a range of comprehensive services and professional industry solutions that are market leading and constantly ahead of the game.

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LATIPAY的合作伙伴有哪些?

我们与新西兰顶级企业以及行业领先的律师事务所合作,一同保证我们建立的支付渠道任何时候都具备最高规格的合法合规性。

同时,我们与我们信任的技术伙伴将始终如一的为您提供最高质量的产品与解决方案。LATIPAY的技术合作伙伴提供一系列行业领先的技术服务以及行业方案。

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Does the annual USD50k cap for money flowing out of China apply to transactions sent via the LATIPAY payment gateway?

No. The annual USD$50,000 cap does not apply when sending money via the LATIPAY payment gateway. There is no limit on the amount of CNY that can be paid.

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中国个人外汇每年$50,000美元的限额是否同样适用于LATIPAY平台?

不,LATIPAY支付通道不受中国个人外汇每年$50,000美元的限额政策的限制。 用来支付的人民币没有最大额度。

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HOW TO..操作信息


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HOW TO..操作信息


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How does LATIPAY work?

The LATIPAY payment gateway is a compliant payment platform that allows currency to be transferred from CNY to NZD.

New Zealand merchants, exporters, education and travel providers can send invoices and payment requests to Chinese clients, provide shipping updates and tracking information, track payments made by clients in China and at the end of a transaction, receive a payment in New Zealand dollars directly into their New Zealand bank account.

Chinese payers, businesses, students, travellers and consumers can pay for goods, study, flights or experiences in CNY using AliPay, WeChat JD Pay or one of 19 compliant online banks using LATIPAY’S online payment gateway.

To use the LATIPAY payment gateway, users must firstly have a verified LATIPAY account.

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LATIPAY是如何运作的?

100%的合法合规性,是确保Latipay平台上CNY到NZD的安全转换的最高标准。

新西兰商家,外贸出口商,及教育以及旅游行业企业,可以通过发送账单及付款请求给中国客户,并选择是否附上物流追踪信息;同时在中国的客户付款后追踪货款,并在预留的银行帐户中直接接收新西兰元。

在中国的企业,学生,旅客及消费者可以通过支付宝、微信钱包、京东钱包、以及19家网上银行支付人民币,完成对商品、教育、航班和旅游项目的支付。

需要注意的是,在使用LATIPAY支付通道之前,该用户必须拥有或成为一个LATIPAY的认证帐户。

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What types of LATIPAY account are available and which is best for me?

There are two types of LATIPAY account, a ‘registered account’ and a ‘verified account’.

Users who have a registered account are limited to making payments via the LATIPAY payment gateway upon request by a verified user. Registered users do not need to go through the verification process, but can only use their account to make payments in a limited capacity.

Users who have a verified account can utilise all of LATIPAY’S functions by sending payment requests, making payments to any bank account of their choice and withdrawing money from their LATIPAY e-wallet.

Becoming a verified user is simple. For more information, read below.

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LATIPAY帐户有哪些类别?哪一种最适合我?

我们有两种类别的帐户,一种是“注册帐户”,另一种是“认证帐户”。

拥有“注册帐户”的用户有权限使用LATIPAY平台来支付来自于其它认证用户发送的付款请求。同时,注册帐户无需认证,但只能支付的在一定金额内的付款请求。

拥有“认证帐户”的用户有权限使用LATIPAY平台的所有功能包括发送付款请求,向银行帐户直接付款,以及从LATIPAY钱包中提现到绑定的银行帐户中。

仅需几个步骤便可成为认证帐户。想了解更多信息,请阅读下文。

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How do I create a LATIPAY account?

It's easy! To open a LATIPAY account, all you need is an active email address and a phone number.

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怎样注册LATIPAY帐户?

非常简单!想要注册一个LATIPAY帐户,您只需要提供一个有效的邮箱地址以及电话号码。

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How do I become a verified user?

Verified users can utilise all of LATIPAY’S functions and features.

To become a verified user, you must provide us with the following:

  • A colour copy of a valid official identification document (e.g. passport, national identity card or drivers licence).
  • Proof of address such as a utility bill or bank statement which has been issued in the last three months.
  • Any other documentation that the LATIPAY team may require in some cases.

After the above documentation has been received, it will take approximately 2 working days for your account to become approved and verified.

Do you want to become a verified user?

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怎样成为LATIPAY认证用户?

认证用户有权限使用LATIPAY平台的所有功能。

您需要提供以下资料来成为我们的认证用户: 

  • 一份有效的官方身份证件的彩色副本 (比如,护照、身份证或驾照)
  • 一份地址证明,必须是近三个月内的水电气账单,或银行签发的任何带有地址的文件 (比如说近三个月内的带有地址的转账记录)
  • 在其它一些情况下,LATIPAY团队所需要的文件。

当您提交完所有所需的文件后,您的帐户会在两个工作日内成为认证用户

想成为我们的认证用户吗?

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I have forgotten my username. How do I retrieve this?

If you have forgotten your username, please contact the LATIPAY customer service team here.

If you have forgotten your password, please follow our password retrieval process from the LOGIN page.

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我遗失了自己的用户名,怎样才能找回?

如果您遗失了您的用户名,请 联系 LATIPAY的客服团队

如果您遗失了您的登录密码,请在登陆页面遵循指示来找回您的密码。请在 登录 页面遵循指示来找回您的密码。

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What should I do if my account has been locked for security reasons?

If your account has been restricted for security reasons, this usually means that we need more information about you or about a recent transaction you have instructed. To get the restriction lifted, you may be asked to verify your identity by providing proof of your identity.

Please contact the LATIPAY customer service team to reactivate your account.

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如果我的LATIPAY帐户出于安全因素的考虑被锁定了,我应该怎么做?

如果您的帐户由于安全原因被后台锁定,这通常是因为我们需要更多关于您或者您最近某次交易的信息。想解除帐号锁定,您或许会被要求提供您的身份证明来进行身份认证。

请联系LATIPAY客服团队来重新激活您的帐户

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INFORMATION SPECIFICALLY FOR MERCHANTS..商户须知信息


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INFORMATION SPECIFICALLY FOR MERCHANTS..商户须知信息


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How do we request money?

To request money via LATIPAY, you need the payer’s valid email address and any related transaction documents (for example an invoice for goods).

It does not matter whether your payer is a LATIPAY user or not.

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如何使用LATIPAY主动收款?

想通过LATIPAY平台进行主动收款,您需要付款人有效的邮箱地址以及任何相关的交易记录  (比如商品收据)。

无论您的付款人是否是LATIPAY用户,您都可以使用此功能进行主动收款。

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What details does someone need to send us money?

To send you money, the sender needs your email address and your LATIPAY user ID or mobile number, regardless of whether they are an individual or business.

To ensure your account remains secure, we advise that our customers never divulge additional information such as credit card or bank account details.

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付款方需要哪些信息才能向我发起支付?

无论付款方是个人还是企业,当付款方对您发起支付时,所需要包括信息您的邮箱地址、您的LATIPAY帐户ID或电话号码。

为确保所有用户的帐户安全,我们建议您不要向他人泄露多余的帐户信息,比如信用卡或银行帐户等。

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After a payer sends us money, how long will it take to receive it?

Once a payment has been completed, the funds will appear in your LATIPAY e-wallet immediately. These funds will be available for use or withdrawal within two working days depending on the successful verification of the transaction documentation.

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付款方完成支付后,需要多久我才能收到货款?

当支付完成时,货款会立即显示在您的LATIPAY钱包里。交易货款将会在两天之内完成交易记录审核并允许使用和提现。

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My collection status appears as rejected? What does that mean?

Rejected statuses usually refer to failure in uploading the required transaction documents. If this happens, please contact the LATIPAY customer service team.

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我的收款状态显示为请求被拒,这代表什么?

如果您的收款状态显示为失败,这通常是因为交易材料信息未上传或不正确。如果发生了支付失败的情况,请联系LATIPAY客服团队来帮助您完成交易

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How do we send invoices via LATIPAY?

It is easy! 

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如何通过LATIPAY发送账单?

非常简单! 

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How much does it cost to withdraw funds from my LATIPAY account?

Withdrawing funds from your LATIPAY account into a New Zealand bank account is free of charge. If you wish to withdraw your funds into a foreign bank account, there will be a bank fee of NZ$25. Please note that these figures are subject to change.

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LATIPAY提现功能会收取任何费用吗?

从LATIPAY帐户中提现到任何新西兰银行帐户中均是免费的。如果您想提现到除新西兰外的海外银行帐户中,那么银行会收取每笔提现NZD $25的费用。请注意这些数据可能会根据不同情况有所变动。

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INFORMATION FOR CHINESE PAYERS..付款人须知


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INFORMATION FOR CHINESE PAYERS..付款人须知


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How do I create a LATIPAY account?

It's easy! To open a LATIPAY account, all you need is an active email address and a phone number. 

Join us.

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怎样注册LATIPAY帐户?

非常简单!想要注册一个LATIPAY帐户,您只需要提供一个有效的邮箱地址以及电话号码。

加入我们!

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How much does it cost to create a LATIPAY account?

Creating a LATIPAY account is free of charge! What's more is that we charge no fees and no commission!

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注册LATIPAY帐户会收取任何费用吗?

注册LATIPAY帐户是完全免费的!并且在您交易过程中我们不会收取任何的手续费和佣金!

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How do I send money via the LATIPAY payment gateway?

As a registered user, you can follow a payment request link from another LATIPAY user to finish a payment.

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怎样通过LATIPAY平台进行支付?

作为一个注册帐户,您可以通过其它LATIPAY用户给您发送的收款请求中附加的链接轻松完成支付。

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You can also create a payment,  but you will need to complete the verification process first. it’s easy to verify your account. 

To create a payment, you need the following details for the person you are paying:

  • LATIPAY user id/email address/mobile; or
  • If the person you are paying is not a LATIPAY user, recognised merchant bank account details are needed.

Payments can be made via online banking, JD Pay, WeChat or Alipay. Click on each of the icons below to find out how.

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您也可以创建一个付款请求,不过在使用此功能之前您需要完成一个简单的帐户认证过程。 

想创建一个付款请求,你需要收款方的一下信息:

  • LATIPAY帐户的用户名 ID/邮件地址/电话号码; 或
  • 如果收款方不是LATIPAY的现有用户,那么支付过程的将会需要对方的银行信息

LATIPAY用户可以选择以下方式完成支付: 网上银行,京东支付,微信支付,以及支付宝。点击图标以了解详细信息。

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How much does it cost to collect or send money?

It is free to collect and send money via the LATIPAY payment gateway. If however, you are using an external payment provider to feed the money into your LATIPAY account, these payment providers may charge a small fee. 

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平台的收款和支付功能会收取任何费用吗?

使用LATIPAY平台收款或支付功能均是完全免费的。但如果您通过第三方支付渠道向LATIPAY帐户付款,这些第三方支付平台可能会收取您一小笔服务费。

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How can I withdraw funds from my LATIPAY account?

Verification may be required before your first withdrawal or at a later stage, depending on your account status and the verifications you have previously completed.

We know that these security procedures can be inconvenient, but they are there to ensure we are sending the funds to the right recipient.

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怎样从LATIPAY帐户里提现?

根据您帐户类别的不同以及是否提供过认证资料,在您第一次提现之前,或之后的某些阶段,我们可能会需要您提供特定信息以完成提现审核流程。

我们十分清楚这些出于安全因素设计的流程可能会对您造成不便,但只有通过这些流程,我们才能确保资金流入正确的客户手中。

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How long will it take for LATIPAY to process my withdrawal?

If you withdraw your funds to a new account, it needs to be verified first. the verification process takes up to two working days.

If you withdraw your funds to a verified account:

  • Your withdrawal request will be processed on the same working day if you send the request before NZST 2 pm; or
  • Your withdrawal request will be processed on the next working day if you send the request after NZST 2 pm.

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LATIPAY提现需要多长时间?

如果您想提现到一个新的银行帐户中,那么该帐户必须要通过认证,通常整个认证过程会在两个工作日内完成。

如果您想提现到一个现有的已认证的银行帐户中:

  • 在NZST 2 pm之前的提现申请会在当天完成;
  • 在NZST 2 pm之后的提现申请会在下一个工作日内完成。

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What is the maximum amount I can withdraw from my LATIPAY account?

There are no limitations on the amount you can withdraw from your LATIPAY account. The annual USD $50,000 cap does not apply when sending money via the LATIPAY payment gateway.

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我的LATIPAY帐户最大的提现额度是多少?

LATIPAY帐户的提现金额没有上限。通过LATIPAY支付通道转帐付款不受国内每人每年USD $50,000的政策限制

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Who can I send money to with LATIPAY?

Money can be sent via the LATIPAY payment gateway to both registered LATIPAY users, and individuals who do not have a LATIPAY account. 

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通过LATIPAY,我能向哪些人进行支付?

您可以使用LATIPAY支付通道向LATIPAY注册用户付款,也可以向不是LATIPAY注册用户的个人进行付款。

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Are there any limits applied on payments?

When using the LATIPAY payment gateway, there is a CNY ¥200,000 cap for each payment, and maximum USD $200,000 for each month.

When using other payment gateways to make payments, the maximum amount you can send is limited by different banks based on their own policies.

FIND OUT MORE ABOUT BANK LIMITS

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每笔付款有金额限制吗?

如果使用LATIPAY平台进行收款与支付,每笔交易的最大金额为CNY ¥200,000,每个帐户每月的最大交易量为USD $200,000。

如果使用第三方支付平台进行收款与支付,每笔交易的最大金额受不同银行对不同平台的政策影响。

了解详细交易金额限制

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How long does it take for the person I am paying to receive the money? 

When paying to your payee’s LATIPAY's e-wallet:

  • Once the transaction documents have been verified, the money will be paid immediately.

when paying to a non-LATIPAY members bank account:

  • Once the transaction documents have been verified, the payment will be processed on the same working day if you finish the payment before NZST 2pm.
  • once the transaction documents have been verified, the payment will be processed on the next working day if you finish the payment at or after NZST 2pm.

* Verification of transaction documents may take up to 48 hours.

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收款方需要多久才能收到付款?

向LATIPAY用户进行支付时:

  • 当交易文件完成认证后,该交易会立即成功。

向非LATIPAY用户的银行帐户进行支付时:

  • 当在NZST 2 pm 前完成付款,一旦交易材料通过审核,该交易会在当天完成。
  • 当在NZST 2 pm 后完成付款,一旦交易材料通过审核,该交易会在接下来的工作日内完成。

* 每笔交易材料会在48小时内完成审核。

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My payment status appears as failed. What does this mean?

Rejected payment statuses usually refer to failure in uploading the required transaction documents. If this happens, please contact the LATIPAY customer service team.

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我的付款状态显示为失败,这代表什么意思?

如果您的付款状态显示为失败,这通常是因为交易材料信息未上传或不正确。如果发生了支付失败的情况,请联系LATIPAY客服团队来帮助您完成交易

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REGULATION & COMPLIANCE..监管与政策信息


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REGULATION & COMPLIANCE..监管与政策信息


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What steps do LATIPAY take to ensure the LATIPAY platform is compliant both in New Zealand and China?

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LATIPAY采取了哪些措施来确保平台在新西兰和中国的合法合规性?

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Is LATIPAY secure?

Yes, LATIPAY places high importance on the security of its software.

The LATIPAY payment gateway is protected with SSL encryption. LATIPAY does not store any sensitive banking information such as internet banking usernames and passwords. During a transaction, no one can access or see your internet banking login credentials. 

We also undertake regular security reviews to ensure that we meet all modern security standards.

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LATIPAY安全吗?

当然,LATIPAY最重要的组成部分就是软件的安全性。

LATIPAY的支付通道受SSL加密保护,且不会保存任何敏感的银行信息。在平台交易过程中,其它任何人都无法接触到用户的网上银行的登录信息。

同时,我们定期的进行安全检查以保证我们随时维持着最高的安全标准。

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Does LATIPAY hold a financial services licence?

Yes, Latitude Technologies Limited is a Registered New Zealand financial service provider (FSP).

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Latipay持有金融服务牌照吗?

当然,Latitude Technologies Limited是一个新西兰注册的金融服务持牌方(FSP).

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TECHNICAL INFORMATION..技术信息


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TECHNICAL INFORMATION..技术信息


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What are the technical requirements of using LATIPAY?

LATIPAY is supported on the following platforms:

Web Browsers:

  • Internet Explorer 8 or above
  • Google Chrome
  • Firefox 12 or above
  • Apple Safari 5 or above

Operating Systems:

  • Windows 8
  • Windows 7
  • Windows Vista
  • Windows Server 2003 & Windows Server 2008
  • Mac OS
  • iOS
  • Android

LATIPAY may work on other web browsers/operating systems although they are not supported.

* Please Note - Your CNY internet banking may not be supported by some web browsers/operating systems. for details, please refer to your bank's website.

We highly recommend that you use the internet explorer web browser when using the LATIPAY payment gateway. 

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使用LATIPAY有哪些系统及软件要求?

LATIPAY支持以下平台:

网页浏览器:

  • Internet Explorer 8或更高版本
  • Google Chrome 谷歌浏览器
  • Firefox 火狐浏览器 12或更高版本
  • Apple Safari 5 或更高版本

操作系统:

  • Windows 8
  • Windows 7
  • Windows Vista
  • Windows Server 2003 & Windows Server 2008
  • Mac OS
  • iOS
  • Android 安卓

在其他不支持的网页浏览器/操作系统上,LATIPAY或许可以正常使用。

* 请注意 - 某些支付人民币的网上银行可能不支持以上的网页浏览器/操作系统,请到您所使用的网银官方网站了解更多信息。

我们建议您使用Internet Explorer(IE)浏览器进行对LATIPAY支付通道的操作。

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Still can't find your answer?

We are here to help.

Get in touch and we will get back to you as soon as we can.

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未能解决您遇到的问题?

请告诉我们,我们会尽快与您联系

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