Shopee Launches Deferred Payment Service 蝦皮購物推"先買後付" 可3個月分期付款

Online shopping platform Shopee recently launched a deferred payment service, which allows buyers to make purchases worth up to NT$30,000 and pay later and in installments if they wish. This service has sparked concerns and doubts about legitimacy among legislators.


Many online shopping platforms offer a "cash on delivery" service. Recently, online shopping platform Shopee launched a new deferred payment service. Buyers won't have to pay immediately when their order arrives. They can pay later, and in three-month installments if they wish. Moreover, credit histories don't need to be checked through the Joint Credit Information Center. All that is needed is a Shopee account. The credit line is NT$30,000.
 
I think it's no big deal. Additional payment methods offer greater flexibility.
 
They charge interest, so I'm a little reluctant about this service.
 
This service is similar to what credit cards offer, so legislators have concerns about supervisory gaps for a service that is like a credit card but not. They also worry about a repeat of the "credit card and cash card storm" from a decade ago, when people were given access to credit.
 
The Financial Supervisory Commission does not have supervisory authority over it, but it offers finance-related services. From what I saw online, the payment can be deferred for 15 days. This credit is not considered to be a financial service.
 
The Financial Supervisory Commission said the Ministry of Economic Affairs oversees the Shopee Payment service, which is considered to be a third party payment under the supervision of the Ministry of Economic Affairs, and only collection and payment are allowed. The total balance of funds collected and paid by the custody agent already exceeds the NT$1 billion limit stipulated in the Act Governing Electronic Payment Institutions, so regulations require applying to the FSC to establish an electronic payment institution. The FSC has already authorized it, but has not issued a license. It also said electronic payment institutions cannot extend credit. The MOEA's Department of Commerce says the deferred payment service offers payments in installments in accordance with the regulations in the Consumer Protection Act, and the law allows financial companies to undertake the assignation of creditor's rights and debts. Shopee is not the only company offering this service. PChome has a similar one called AFTEE that allows members to defer payments from 14 days to 45 days. The maximum credit limit given to approved users is NT$10,000.
 
Financial activities are generally an unregulated zone, because anyone can offer financing and loans. PChome is working with a company called AFTEE to offer payment in installments without the need for a credit card. They just have to make sure they don't violate the high interest felony stipulations in the Criminal Code.
 
A statement released by Shopee said its deferred payment service is offered by Shopee and has nothing to do with its Shopee Payment service. It is not a credit card and does not involve its third party payment services. It's only available to users with excellent ratings, not everyone. Users receive their bills on the first of the month and won't get charged any service fees as long as they pay in full before the 15th. Lawyers say the daily interest rate of 0.05 percent and annual rate of 18.25 percent exceed those of most credit cards, so users need to beware.
 
 
 
網路購物"貨到付款"已經很方便,知名電商"蝦皮購物",推出"蝦拼晚點付",可"貨到不用立即付款",還能申辦最高3個月"分期付款",而且不用像銀行,需透過"聯徵中心",審查個人信用狀況,只要有蝦皮帳號,就能開通,額度最高3萬塊。
 
民眾表示:「可以啊,多一些就是付費的方式吧!多一些彈性,這樣子。」
 
民眾表示:「還是有利息嘛!所以可能就會斟酌一下。」
 
類似信用卡付款服務,則引發立委關切,認為有信用卡特色,卻不是信用卡,恐出現監管漏洞,也憂心民眾會因為"信用擴張",恐重演10多年前"雙卡風暴"。
 
民進黨立委 林楚茵 vs. 金管會主委 黃天牧表示:「它雖然不在金管會的管轄底下,但它又可以處理金融相關的(業務)。("晚點付"大概,我看網路上,晚15天啦!) 是。(那這個授信,基本上,不算是金融的特許(事業)啦!)」
 
金管會主委黃天牧表示,"蝦皮支付"目前由經濟部主管的"第三方支付"服務業,只做"代收代付",因為保管代理收付款項餘額,已超過電支條例規定10億元規模,依規定須向金管會申設"電支機構"。金管會已核准,但尚未正式發電子支付執照,並強調電子支付業務,不能做授信,未來也不會放行。經濟部商業司回應,"蝦拼晚點付",主要是依"消保法"規範的分期付款模式,將債權債務,讓與融資公司承擔,是法律允許的模式。而且並非只有蝦皮在做,PChome,也有相關業務,推出AFTEE,"先享後付",最短14天內結帳。加入會員可享最長45天內付款服務。通過認證審查,最高額度1萬塊。
 
律師 施宥宏表示:「融資行為,原則上,就是一個三不管地帶。就是任何人都可以做融資,做放貸的,PChome其實也在跟一個叫AFTEE的公司,也在做合作,也是在做這種無卡分期的行為。原則上,就是說不要超過這個刑法上所規定的重利罪。」
 
蝦皮發聲明稿,強調該業務,"蝦拼晚點付"由蝦皮購物平台提供,與蝦皮支付無關,非信用卡和第三方支付業務。而且僅提供給良好交易記錄買家使用,並非開放給所有買家。每個月1號提供帳單,只要在15號前,將所用額度付清,就不會產生任何服務費用。不過,律師表示,日延遲利息0.05%,年化利率18.25%,略高於一般信用卡循環利率,呼籲民眾仍須謹慎使用。
 

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