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Cross-border PaymentCross-border Payment Overview

Last updated：2022/09/30 Print
Outbound Payment Service
Introduction
This service allows Postal depositors to perform payment in NTD during the shopping or purchase on offshore institution platforms (such as Taobao website in China). Depositors can select “ATM Payment” on the platform's payment webpage and use Postal ATM card with card reader or QR Code scan payment method to perform online payment.
This service supports Taiwan Pay, and depositors can use our APP or Postal ATM Card Cloud Payment of Taiwan Pay APP to perform barcode scan payment.
The outbound transaction belongs to the account transfer with a regular chip ATM card, and the non-designated transfer function needs to be enabled for the ATM card. However, those without enabling the VISA card transaction function can still use the outbound service.
Minors or users without completing identity confirmation procedure cannot use this service.
The handling charge for this service is equivalent to the transaction amount*1% and is collected together with the transaction amount from the ATM card account. The outward remittance transaction will be indicated as “Alipay” on the passbook summary for checking. In addition, please be reminded that the Alipay APP only supports the financial institution accounts in China or credit cards issued in China. Accordingly, Postal ATM card (including VISA ATM card) cannot perform payment or add value on the Alipay APP.
User Identity Verification
According to the competent authority's request, depositors are required to cooperate with the identity verification procedure, and outbound identity verification is performed by us with the Joint Credit Information Center within the scope permitted by the laws.
The identity verification procedure is verified through iPost or WebATM, and a text message OTP verification code is sent to the depositor's mobile phone number saved at our database.
When this service is not used for more than 1 year, the system will guide the depositor to complete identity verification procedure, followed by returning to the platform payment page to perform the payment.
Information on Payment Mechanism
The outbound payment can be classified into ATM cards with card reader or QR Code payment.
Information on Payment Limit
(Currency: NTD)
Payment Method Limit
per transaction per day per month
ATM card with card reader $100,000 $100,000 $300,000
ATM Card Cloud Payment
Post APP $50,000
Consumer Interest Protection and Dispute Resolution
When a depositor uses Postal ATM Card to perform transactions on an offshore institution website (such as Taobao website in China), for any illegal matter, fraud, obsolete or deceptive information, product return or dispute, etc. related to transactions on such website, the Taiwanese buyer is requested to feed back to the offshore institution directly. The offshore institution will be responsible for bearing and handling the complaint or relevant legal liabilities.
For transaction amount error issues reported by the Postal ATM cardholder, we will assist in handling accordingly.
Refund Operation
The exchange rate for the refund is the same as the exchange rate during the order established.
The handling charge of the refund operation will be handled according to the requirements of each offshore institution. Alipay (Taobao website in China) does not collect any refund handling charge. The handling charge collected during the payment will be calculated according to the refund amount for return to the Postal ATM cardholder.
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