PayPal International Version vs. Mainland Version: Which One is More Suitable for Cross-border E-commerce?

As the world's leading online payment platform, PayPal provides a convenient way to pay and receive money for cross-border e-commerce, freelancers and overseas consumers. However, PayPal account permissions, functions and restrictions vary in different regions, especially between the international version and the mainland version. This article will compare the international version of PayPal and the mainland account in terms of registration process, function permissions, fund inflow and outflow methods, risk control mechanism, etc., to help users choose the version that suits them best.

1. Comparison of registration processes

1. PayPal International
   • Applicable to most countries/regions, such as the United States, Hong Kong, Singapore, etc.
   • You need to register using a non-mainland IP and provide a mobile phone number and email address in the corresponding country.
   • After registering an account, you can bind your local bank account or credit card for transactions.
2. PayPal Mainland China Version
   • Registration is only available for users from mainland China, and must use a mainland mobile phone number.
   • Bind a mainland bank card (such as China Merchants Bank, Industrial and Commercial Bank of China, etc.), but some banks have restrictions on cash withdrawals.
   • Affected by national foreign exchange policies, cross-border transactions must comply with Chinese regulatory requirements.

2. Functional Permission Comparison

3. Fund Inflow and Outflow Methods

1. PayPal International
   • Supports direct payment in foreign currency and withdrawal to overseas bank accounts or Visa credit cards.
   • The transaction freedom is relatively high and can be used for overseas e-commerce, freelance settlement, etc.
   • Suitable for cross-border sellers, international students, foreign trade companies, etc.
2. Mainland China version of PayPal
   • Cash withdrawals can only be made to bound mainland bank cards, and some banks may refuse or charge additional fees.
   • Transactions must comply with foreign exchange management policies and are subject to certain compliance restrictions.
   • Applicable to domestic users receiving payments on cross-border e-commerce platforms (such as eBay and Wish).

4. Risk Control Mechanism and Account Blocking Risk

1. The international version of PayPal has more flexible risk control
   • The transaction review mechanism is based on the laws of each country. For example, the US version has stricter supervision on high-value transactions.
   • A blocked account can be unblocked by identity verification and supplementing information.
   • Using an independent overseas IP (such as Kookeey's overseas proxy IP ) can reduce the risk of triggering risk control.
2. The mainland version of PayPal has strict risk control
   • Due to China's foreign exchange regulatory policies, some transactions may be restricted.
   • Cash withdrawals involve foreign exchange conversion and may require additional supporting documentation.
   • Accounts that are inactive for a long period of time or have abnormal large-scale fund flows may face review or even freezing.

5. How to choose a suitable PayPal account?

• Choose the international version of PayPal:
  • Suitable for foreign trade companies, cross-border e-commerce, and freelancers.
  • Funds flow more freely and foreign currency transactions are supported.
  • It can be used with Kookeey overseas proxy IP to avoid the risk of account association and account blocking.
• Choose the mainland version of PayPal:
  • Applicable to domestic users shopping overseas or receiving payments from e-commerce platforms.
  • Due to foreign exchange regulation, the ways of inflow and outflow of funds are limited.
  • It is more suitable for connecting with the domestic banking system, but cash withdrawals may be restricted.

Summarize

PayPal's international version and mainland version each have their own advantages and disadvantages, and it is crucial to choose an account that suits you. For users who want to conduct free cross-border transactions and accept foreign currency payments, the international version is more advantageous, while users who only need simple collection or domestic payments can choose the mainland version. In order to reduce the risk of account suspension and risk control, it is recommended to use professional proxy IP tools, such as Kookeey overseas proxy IP , to ensure the stability of account use.