What are deferred goods?

[armdrejoan]

It is relatively troublesome to connect with the bank API , and there are fewer payment methods and options.
Unless you have very large transactions with the bank (tens of millions), the overall fees (annual fees, maintenance fees, connection fees, etc.) may not necessarily be cheaper.
Why is it difficult to apply for funding for online courses?
With the booming development of online e-commerce, financial integration is absolutely crucial if you want to conduct online business on a large scale.

Whether you want to sell online course products switzerland phone number list or various types of digital products , it is necessary to apply for financial flow services. Through financial flow connection, consumers can purchase courses through direct online transactions.

Many creators and lecturers often have all the content ready, but are seriously stuck in the process of applying for financial flow.

Why is this happening…? !


First of all, we need to understand the concept of " deferred goods ". In plain words, it refers to prepaid goods, which are goods that are delivered after payment is collected. The most common ones on the market are gyms or some beauty salons, which want you to prepay for a year, or for 10 or 20 classes.

Previously, there have been many cases where businesses absconded with the money or went bankrupt as soon as they received it. Even well-known fundraising platforms often have similar problems . After the project is completed, the delivery time is repeatedly delayed or the person in charge disappears directly, resulting in consumers paying but not receiving the goods.

Similar fraud cases have emerged one after another, resulting in extremely strict review of financial flows .

Online courses are essentially a type of deferred good. Many courses on the market are now offered on a pre-order basis. That is to say, when the creators and instructors start selling the courses, the courses are not yet completed and are sold as they are being made. For consumers, this method of prepayment actually carries certain risks.

Once a problem occurs, the financial company will be directly affected and will have to bear certain responsibilities. So in fact, as far as the two major financial companies in Taiwan are concerned, if you want to sell online courses or digital products, Green World will not accept it. You can only apply for Blue New Financial Flow !(Directly help to draw the key points)

Blue New Transaction Fee Rate
Before formally applying for financial flow, let us first understand the transaction fee rate of Lanxin Financial Flow.

Blue New Financial Transaction Fee Rate Disclosure

If you are not familiar with how transaction fees are calculated, we will use actual examples to further explain.

For example, the transaction fee rate for a one-time payment with a credit card is 2.8%. If the selling price of your course is NT$2,000, when students purchase it through a credit card, 2.8% of the actual sales amount (2,000 * 2.8% = NT$56) is Lanxin’s transaction fee. In other words, the actual amount you can get is 2,000 – 56 = 1,944 yuan.

If your students purchase via ATM transfer, the ATM transaction fee rate is 1%, which is calculated as 1% of the actual sales amount, i.e. 2000 * 1% = 20 yuan. In other words, the actual amount you can get is 2,000 – 20 (the fee charged by Lanxin) = 1,980 yuan.