International settlement is a specific form of remittance, which is used by foreign trade enterprises to pay and receive money to and from overseas. The aim is to solve the problem of cross-border financial payment and settlement, which is the payment of cross-border transactions between enterprises, institutions, individuals and foreign currencies, in order to ensure the safe, fast and accurate settlement of international transactions.
At present, traditional international trade settlement still has certain limitations, such as slow payment, high cost, difficult capital collection, huge operation cost and limited payment methods. From the electronic perspective, international settlements still adhere to traditional methods, such as Telegraphic Transfer (TT) and Demand Draft (DD). Each transaction requires more than 100 lines of instruction data and takes several days for completion.
In order to reduce the potential risk in international settlements and improve the international settlements efficiency, electronic international payments and settlements have become the first choice. As a new form of payment and settlement, electronic international settlements have the following essential features: Firstly, the transfer and exchange of information is fast and accurate; secondly, the overall operation process is simple and efficient; thirdly, reducing operation cost and providing a safe and secure way of financial transaction; finally, its flexibility and convenience, a variety of payment methods and multiple currencies can be supported by e-payments.
The development of international settlements has experienced three stages. The first stage is the paper-based international settlement, which consists of international Telegraphic Transfer and Demand Draft. This stage is low efficiency, high cost and high risk, which has the disadvantages of low transfer speed and large amount of paperwork.
The second stage of development is the electronic settlement, from the electronic Telegraphic Transfer and electronic Demand Draft to the electronic clearing systems. This stage has improved the speed and convenience of transactions, and its payment and settlement behavior also has certain security measures.
The third stage is the instant international settlement. It uses the latest internationally recognized payment platform to achieve end-to-end electronic payment and settlement. This stage greatly reduces the cost, time and risk of international settlements. Thanks to the development and maturity of the electronic payment system, businesses no longer need to go to the bank to complete transactions manually, but simply send payment instructions to their bank through the Internet.
Also, the introduction of mobile payment and wallets, such as Alipay, has further enhanced the convenience of global payments and settlements.
In conclusion, different enterprises should choose different settlement modes according to their needs, and should take safety and cost reductions into consideration at the same time. A payment gateway with multiple payment methods, modes, and currencies can ensure secure, quick and accurate international settlements, so that enterprises can get the most benefit in their global payments.
简言之，国际结算是由外贸企业支付和接收海外的资金的一种特定形式的汇款。其目的是解决跨境金融付款和结算的问题，也就是企业、机构和个人之间跨境交易的付款和外币的结算，以确保国际交易的安全、快速和准确的结算。目前，传统的国际贸易结算仍存在一定的局限性，例如支付缓慢，成本高，资金收集困难，操作成本巨大和支付方式有限。从电子的角度来看，国际结算仍然坚持传统的方式，如电报汇款（TT）和银行汇票（DD）。每笔交易需要超过100行的指令数据，完成所需要几天的时间。
为了降低国际结算的潜在风险，提高国际结算效率，电子国际支付和结算已成为首选。作为支付和结算的新形式，电子国际结算具有以下几个基本特征：首先，信息的传输和交换快速准确；其次，整个操作过程简单有效；第三，降低操作成本，提供一种安全可靠的金融交易方式；最后，其灵活性和方便性，电子支付可以支持各种支付方式和多种货币。
国际结算的发展历经三个阶段。第一阶段是纸质的国际结算，包括国际电报汇款和银行汇票。这一阶段效率低，成本高，风险高，具有传输速度慢和大量文书工作的缺点。
第二阶段发展是电子结算，从电子电报汇款和电子银行汇票到电子清算系统。这一阶段提高了交易的速度和便利性，其支付和结算行为也具有一定的安全措施。
第三阶段是即时国际结算。它使用最新的国际公认的支付平台来实现端到端的电子支付和结算。这一阶段大大降低了国际结算的成本、时间和风险。多亏了电子支付系统的发展和成熟，企业不再需要去银行手工完成交易，而是可以通过互联网向他们的银行发送支付指令。
此外，支付宝等移动支付和钱包的引入
