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▶ Video account attention cross-border navigation Shortly after returning to work after the Chinese New Year, undercurrents are surging in the cross-border circle. Last week, the independent website big seller SHEIN was sued by Cross-border Communication for defaulting on the acquisition fee of Paton, and soon after, Shenzhen big seller Zebao was also mired in litigation, with the amount involved being nearly 50 million yuan. Before the storm subsided, there was news that the women's clothing independent website under ByteDance, which has attracted widespread attention recently, suddenly suspended operations.
The big sellers have experienced turbulence since their start, which has also made many sellers alert. Just a few days ago, a seller revealed that his bank card was frozen due to connecting to a third-party account of a cross-border e-commerce company. Cross-border people may face a new "storm"...... A new round of card-cutting operations? Bank cards of many cross-border sellers have been frozen! In recent times, tax evasion and fraud in cross-border industries have occurred frequently, and some cross-border companies have used illegal means to evade tax payments or even obtain illegal income. Under this circumstance, the supervision of relevant departments has gradually tightened. It is learned that the Ministry of Public Security has recently launched a new round of card-cutting operations , targeting illegal money laundering. A Shopee seller revealed on Weibo that his Ping An icon bank card was inexplicably frozen. After inquiry by bank staff, the reason was that his personal card received funds from a third-party payment account of a cross-border e-commerce company, namely Payoneer, Pingpong, Lianlian Payment icon and other cross-border payment platforms. ▲ The picture comes from Weibo @我是404 Since the money is transferred from a public account to a personal card, the Ministry of Public Security freezes the personal cards involved in such transfer transactions in order to prevent money laundering. It is reported that the Shopee seller has been using Payoneer to receive payments, and all settlements in the past year have been made through his personal Ping An bank card. Just before the payment was stopped, he made two transactions involving an amount of more than 4,000 yuan. The seller said that after the introduction of this policy, cross-border sellers can only withdraw payment to the company's public account and then transfer it to their personal cards. The frozen card can only be closed and cannot be opened in the same bank within 5 years. According to the bank teller, this seller is not an isolated case. Many sellers have closed their accounts due to similar problems before. One seller reported that his personal Construction Bank card bound to LianLian Pay for cash withdrawal was also hit. He was unable to conduct online transactions at first, and after consulting the bank counter, he learned that the system suspected that he was involved in money laundering because of frequent transactions between the public account and his personal account and froze the bank card. In fact, in the past two years, public security organs have continuously stepped up their efforts to crack down on illegal capital flows, so similar bank card freezing incidents occurred as early as last year. Cross-border money laundering is a frequent occurrence, and domestic and foreign payment transactions have become the main targets! At the beginning of last year, a letter titled "A Letter to Public Security Organs Across the Country" signed by the Criminal Investigation Brigade of Yiwu Municipal Public Security Bureau became the focus of public opinion. The letter mentioned that during cross-border transactions, some Yiwu foreign trade merchants used underground banks to settle payments. As the criminal gangs in telecommunications fraud cases colluded with underground banks, they directly converted the fraudulent proceeds into payment for goods and transferred them to the business owners for laundering, causing some foreign trade merchants' bank cards to be frequently frozen. It was learned that many sellers had their funds frozen for over one million yuan, with temporary freezing and circular freezing occurring. Even after providing proof such as bank details and cargo lists, they were still unable to apply for unfreezing. It is reported that illegal capital flows through secret operations in cross-border settlement processes have become a common phenomenon. The main channels include scoring platforms, virtual currencies, etc. Some time ago, the Zhoucun Branch of the Public Security Bureau of Zibo City, Shandong Province, cracked a major money laundering case, freezing 1,136 bank cards and more than 6 million yuan in funds involved in the case. A fourth-party payment platform called "Wanda Payment" that was involved in the case with hundreds of billions of yuan and was specifically used to launder money for overseas illegal and criminal activities was destroyed. ▲ The picture comes from the Internet It can be seen from this that as cross-border money laundering becomes rampant, relevant departments have also been continuously carrying out "card-cutting activities" to combat such illegal and criminal activities. Therefore, in order to strictly control the outflow of funds, any account suspected of suspicious transactions at home and abroad may be frozen. Nowadays, in addition to illegal capital turnover in the payment process, frequent refunds from cross-border third-party payment platforms will also be identified as suspicious by the system. Previously, sellers reported that their credit cards were frozen by banks because of too many PayPal refunds, and they were even unable to access the store backend. ▲ The picture comes from Zhiwubuyan In addition, it is learned that recently, the People's Bank of China, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission jointly issued the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Preservation of Financial Institutions." The new regulations state that from March 1, individuals handling a single deposit or withdrawal of more than 50,000 yuan must register the source or purpose of the funds, and personal payment codes such as WeChat and Alipay may not be used for business collection. At present, it has become a common method for the running point platform to collect and transfer money through many personal WeChat accounts, Alipay QR codes, etc., thereby helping fraud gangs to launder money. The implementation of this new regulation means that the transaction process of sellers is more standardized, and it is also more conducive to the public security organs to crack down on illegal money laundering activities and tax chaos. For sellers, they must be extremely cautious when settling payments during the transaction process and be wary of being used as a money laundering tool by illegal organizations. At the same time, they must also avoid frequently transferring money from public accounts to private accounts directly, so as to avoid being judged as violating regulations by the system and having their funds frozen. What do you think about the phenomenon of cross-border sellers' bank cards being frozen repeatedly? Feel free to leave a message in the comment area~
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