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Paypal 請選擇透過發卡方兌換支付

小心陷阱

 

海外購物有時候都會使用 PayPal 第三方支付平台付帳，主要是因為操作簡單方便，你只需電子郵件地址和密碼即可使用 PayPal 結帳，再也不需拿出皮夾，當然前提你必須要有一個PayPal的帳戶。

基本上我非常喜歡使用PayPal，因為它可以支付許多海外的帳單，包括歐洲跟美洲線上支付，我許多歐洲的車票都是使用PayPal付款，但或許你不知道它有一個小陷阱，就是PayPal的兌換率非常的差。

當然你不需要PayPal帳號，也可以直接進行PayPal的信用卡海外支付，方便是你不需要承擔高額的手續費，高額的手續費是賣家需要承擔的，賣家在PayPal賣東西給你，賣家每筆跨國交易手續費最低可達 3.4% + $0.30 USD，買家則不需要，但由於PayPal是境外公司，銀行通常會收你1.5%的海外交易手續費用，這是免不了。

👉買家無需支付交易手續費，但會有海外交易手續費
👉賣家則有 3.4% + $0.30 USD的交易費

有一個陷阱，就是跨國交易可能需負擔貨幣轉換費用

舉例來說最近我有一筆款項，刷卡金額是7340USD，對方給我刷卡頁面時，PayPal會直接導向幫你把金額轉換成台幣。

小心陷阱

 

許多人或許就會粗心的直接按立即付款，結果馬上就會樂極生悲，為什麼？

因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！因為PayPal的匯率非常不好！

PayPal的匯率非常不好！

請直接選擇下面有一個查看轉換匯率

小心陷阱

請選擇透過發卡方兌換，也就是你的匯率由銀行決定，銀行的匯率比起PayPal好非常多。

小心陷阱

實際來看看到底差了多少？

最終的刷卡金額是223709，但是若選擇透過Paypal兌換則是232598，光匯差金額就高達8889台幣，還不含海外手續費的價格！海外手續費還要多付133元台幣，就高達9000元台幣。

NT232598-NT223709=NT8889

如果我沒有仔細看，就可能陷入了PayPal的陷阱，這樣一張機票的錢就飛走了，所以建議如果要使用Paypal 信用卡海外付款，務必要使用透過發卡方兌換。

各位也可以使用三種信用卡省錢的方式：

1) 選擇現金回饋海外高於1.5%的信用卡，目前許多信用卡的海外回饋都高於1.5，等於賺回手續費。
2) 第二是使用雙幣信用卡，也能更好控制匯差與降低手續費。
3) 若是有集哩程回饋，就千萬不要錯過，通常海外交易的回饋都是最高的。

小心陷阱 小心陷阱 小心陷阱

money-pay

money-pay

money-pay

money-pay

money-pay

小心陷阱

小心陷阱

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One, two, buckle my shoe
Three, four, Shut the door
Five, six, Seven, eight,
Nine, ten, Let’s go play

—

Goodbye to You
Goodbye to you, goodbye to you
Goodbye my dear friend
I’ll see you again

—

Who’s Afraid of the Big Bad Wolf
Who’s afraid of the big bad wolf
Big bad wolf
Big bad wolf
Who’s afraid of the big bad wolf
Tra la la la la

—

How Much is that Doggie?
How much is that doggie in the window? *(arf! Arf!)*
The one with the waggley tail
How much is that doggie in the window? *(arf! Arf!)*
I do hope that doggie’s for sale

—

Two Little Eyes
Two little eyes that open and close
two little ears and one little nose
Two tittle checks and one little chin
two little lips with the teeth close in

—

ABC’s Song
A B C D E F G
H I J K L M N O P
Q R S and T U V
W and X Y Z
Happy, happy, shall we be
When we learn our ABC’s

—

Fly Bird Fly
Fly birdie fly
Fly birdie fly
Fly birdie fly
Up up to the sky
La-La-La-La-La-La-La-La-La-La-La-La

—

Twinkle, Twinkle, Little Star
Twinkle, twinkle, little star, How I wonder what you are
Up above the world so high, Like a diamond in the sky.
Twinkle, twinkle, little star, How I wonder what you are!

—

Round the Mulberry Bush
Here we go round the mulberry bush,
The mulberry bush, The mulberry bush.
Here we go round the mulberry bush
so early in the morning.

—

Math Rank SEO TEST：

One Two Buckle My Shoes
One, two, buckle my shoe
Three, four, Shut the door
Five, six, Seven, eight,
Nine, ten, Let’s go play

—

Goodbye to You
Goodbye to you, goodbye to you
Goodbye my dear friend
I’ll see you again

—

Who’s Afraid of the Big Bad Wolf
Who’s afraid of the big bad wolf
Big bad wolf
Big bad wolf
Who’s afraid of the big bad wolf
Tra la la la la

—

How Much is that Doggie?
How much is that doggie in the window? *(arf! Arf!)*
The one with the waggley tail
How much is that doggie in the window? *(arf! Arf!)*
I do hope that doggie’s for sale

—

Two Little Eyes
Two little eyes that open and close
two little ears and one little nose
Two tittle checks and one little chin
two little lips with the teeth close in

—

ABC’s Song
A B C D E F G
H I J K L M N O P
Q R S and T U V
W and X Y Z
Happy, happy, shall we be
When we learn our ABC’s

—

Fly Bird Fly
Fly birdie fly
Fly birdie fly
Fly birdie fly
Up up to the sky
La-La-La-La-La-La-La-La-La-La-La-La

—

Twinkle, Twinkle, Little Star
Twinkle, twinkle, little star, How I wonder what you are
Up above the world so high, Like a diamond in the sky.
Twinkle, twinkle, little star, How I wonder what you are!

—

Round the Mulberry Bush
Here we go round the mulberry bush,
The mulberry bush, The mulberry bush.
Here we go round the mulberry bush
so early in the morning.

—

Round the Mulberry Bush
Here we go round the mulberry bush,
The mulberry bush, The mulberry bush.
Here we go round the mulberry bush
so early in the morning.

—

Round the Mulberry Bush
Here we go round the mulberry bush,
The mulberry bush, The mulberry bush.
Here we go round the mulberry bush
so early in the morning.

—

Math Rank SEO TEST：

One Two Buckle My Shoes
One, two, buckle my shoe
Three, four, Shut the door
Five, six, Seven, eight,
Nine, ten, Let’s go play

—

Math Rank SEO TEST：

One Two Buckle My Shoes
One, two, buckle my shoe
Three, four, Shut the door
Five, six, Seven, eight,
Nine, ten, Let’s go play

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