{"id":10216,"date":"2021-12-10T23:56:00","date_gmt":"2021-12-10T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=10216"},"modified":"2025-11-11T10:33:39","modified_gmt":"2025-11-11T02:33:39","slug":"%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/","title":{"rendered":"\u4e9e\u99ac\u905c\uff08Amazon\uff09\u7d93\u6fdf\u898f\u6a21\u7522\u751f\u7684\u5bb0\u5236\u529b &#8211; \u5f9e\u8c9d\u5bf6\uff08PayPal\uff09\u3001Affirm\u3001\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09\u3001\u5a01\u58eb\uff08Mastercard\uff09\u3001\u842c\u4e8b\u9054\uff08Visa\uff09\u8fd1\u4f86\u80a1\u50f9\u7684\u8d70\u52e2\u4f86\u770b"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E4%BA%9E%E9%A6%AC%E9%81%9C%E4%BB%8A%E5%B9%B4%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE%E4%B8%8D%E5%A6%82%E5%8E%BB%E5%B9%B4\" >\u4e9e\u99ac\u905c\u4eca\u5e74\u80a1\u50f9\u8868\u73fe\u4e0d\u5982\u53bb\u5e74<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E5%A8%81%E5%A3%AB%E5%92%8C%E8%90%AC%E4%BA%8B%E9%81%94\" >\u5a01\u58eb\u548c\u842c\u4e8b\u9054<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E8%B2%9D%E5%AF%B6\" >\u8c9d\u5bf6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#Affirm\" >Affirm<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E8%B2%BB%E5%9F%83%E5%93%B2\" >\u8cbb\u57c3\u54f2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E4%BA%9E%E9%A6%AC%E9%81%9C%E7%9A%84%E7%B6%93%E6%BF%9F%E8%A6%8F%E6%A8%A1\" >\u4e9e\u99ac\u905c\u7684\u7d93\u6fdf\u898f\u6a21<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E7%9B%B8%E9%97%9C%E4%BC%81%E6%A5%AD%E4%BB%8A%E5%B9%B4%E4%BB%A5%E4%BE%86%E7%9A%84%E8%82%A1%E5%83%B9%E8%AE%8A%E5%8C%96\" >\u76f8\u95dc\u4f01\u696d\u4eca\u5e74\u4ee5\u4f86\u7684\u80a1\u50f9\u8b8a\u5316<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e7%9a%84%e7%b6%93%e6%bf%9f%e8%a6%8f%e6%a8%a1\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E4%BA%9E%E9%A6%AC%E9%81%9C%E4%BB%8A%E5%B9%B4%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE%E4%B8%8D%E5%A6%82%E5%8E%BB%E5%B9%B4\"><\/span><strong>\u4e9e\u99ac\u905c\u4eca\u5e74\u80a1\u50f9\u8868\u73fe\u4e0d\u5982\u53bb\u5e74 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u6295\u8cc7\u4eba\u95dc\u6ce8\u7f8e\u80a1\u4e9e\u99ac\u905c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAMZN\uff09\u7684\u80a1\u50f9\u7684\u8a71\uff0c\u61c9\u8a72\u660e\u986f\u611f\u53d7\u5230\u4e9e\u99ac\u905c\u4eca\u5e74\u4ee5\u4f86\u7684\u80a1\u50f9\u8868\u73fe\u4e26\u4e0d\u7a81\u51fa\uff08\u76f8\u8f03\u53bb\u5e74\u6f32\u52e2\u5147\u731b\uff0c\u7c21\u76f4\u4e0d\u53ef\u540c\u65e5\u800c\u8a9e\uff09\u3002\u6295\u8cc7\u4eba\u6216\u8a31\u6703\u64d4\u5fc3\u662f\u4e0d\u662f\u8a72\u4f01\u696d\u7684\u7af6\u722d\u529b\u4e0b\u964d\uff0c\u9019\u500b\u554f\u984c\u60a8\u770b\u5b8c\u672c\u6587\u5f8c\u5c31\u6703\u5f97\u5230\u7b54\u6848\u3002\u6211\u5011\u9019\u7bc7\u6587\u7ae0\u4e0d\u8a0e\u8ad6\u4e9e\u99ac\u905c\u7684\u80a1\u50f9\u8868\u73fe\uff0c\u800c\u662f\u8981\u5f9e\u53e6\u5916\u4e00\u500b\u89d2\u5ea6\u4f86\u770b\u4e9e\u99ac\u905c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E5%A8%81%E5%A3%AB%E5%92%8C%E8%90%AC%E4%BA%8B%E9%81%94\"><\/span><strong>\u5a01\u58eb\u548c\u842c\u4e8b\u9054<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u64da\u652f\u4ed8\u5de8\u982d<a href=\"https:\/\/www.globaltimes.cn\/page\/202111\/1239895.shtml\" target=\"_blank\" rel=\"noreferrer noopener\">WorldPay\u7684\u8abf\u67e5\u6578\u64da\uff0c\u4fe1\u7528\u5361\u4ea4\u6613\u57282020\u5e74\u5360\u64da\u5317\u7f8e\u96fb\u5b50\u5546\u52d9\u652f\u51fa\u4e09\u5206\u4e4b\u4e00<\/a>\u3002<\/p>\n\n\n\n<p>\u624d\u4e0d\u4e45\u524d\u768411\/18\/2021\uff0c\u4e9e\u99ac\u905c\u5ba3\u4f48\u5728\u82f1\u570b\u53d6\u6d88\u5a01\u58eb\u5361\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u7684\u652f\u4ed8\u9078\u9805\uff0c\u7576\u5929\u80a1\u50f9\u4e00\u5929\u5167\u5c31\u4e0b\u8dcc6.5%\uff08\u60a8\u53ef\u80fd\u8a8d\u70ba\u9084\u597d\u554a\uff01\u4f46\u5a01\u58eb\u9019\u6a94\u80a1\u7968\u5f88\u5c11\u4e00\u5929\u5167\u4e0b\u4f86\u8d85\u904e3%\u7684\uff09\u3002\u5507\u4ea1\u9f52\u5bd2\uff0c\u540c\u4e00\u5929\u7684\u842c\u4e8b\u9054\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u4e5f\u5728\u540c\u4e00\u5929\u4e0b\u8dcc\u7d045%\uff08\u9019\u7a2e\u8dcc\u5e45\u5c0d\u5a01\u58eb\u9019\u6a94\u80a1\u7968\u4e5f\u4e0d\u5e38\u898b\uff09\uff0c\u9020\u6210\u8c9d\u5bf6\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u80a1\u50f9\u8dcc\u7834200\u5143\u3002\u5a01\u58eb\u7684\u8ca1\u52d9\u9577\u5247\u7acb\u5373\u5411\u5a92\u9ad4\u8868\u793a\uff0c\u6703\u89e3\u6c7a\u548c\u4e9e\u99ac\u905c\u9593\u7684\u624b\u7e8c\u8cbb\u7528\u7684\u722d\u8b70\u3002<\/p>\n\n\n\n<p>\u4ee5\u524d\u662f\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u6bd4\u8f03\u5f37\u52e2\uff0c\u4e9e\u99ac\u905c\u4e0d\u5f97\u4e0d\u4f4e\u982d\uff0c\u56e0\u70ba\u6d88\u8cbb\u8005\u7684\u652f\u4ed8\u9078\u9805\u5f88\u5c11\u3002\u4f46\u7d93\u904e\u5341\u591a\u5e74\u7684\u91d1\u878d\u79d1\u6280\u696d\u8005\u6240\u63a8\u51fa\u7684\u5404\u7a2e\u65b9\u4fbf\u652f\u4ed8\u65b9\u5f0f\uff0c\u52a0\u4e0a\u8fd1\u5169\u5e74\u65b0\u5192\u51fa\u4f86\u7684BNPL\u7684\u66f4\u65b0\u7684\u65b9\u5f0f\u3002\u4e9e\u99ac\u905c\u4e0d\u5fc5\u518d\u770b\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u7684\u81c9\u8272\uff0c\u53d6\u6d88\u5a01\u58eb\u5361\u5728\u82f1\u570b\u4e9e\u99ac\u905c\u7db2\u7ad9\u4e0a\u7684\u652f\u4ed8\u9078\u9805\uff0c\u53ea\u4e0d\u904e\u662f\u5a01\u8feb\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u8abf\u964d\u624b\u7e8c\u8cbb\u7684\u624b\u6bb5\u4e4b\u4e00\u7f77\u4e86\u3002   <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%B2%9D%E5%AF%B6\"><\/span><strong>\u8c9d\u5bf6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8a73\u60c5\u8acb\u53c3\u898b\u524d\u5e7e\u5929\u6240\u767c\u8868\u7684\u53e6\u4e00\u7bc7\u5c08\u6587\u300a\u70ba\u4ec0\u9ebc\u8c9d\u5bf6\uff08PayPal\uff09\u80a1\u50f9\u81ea\u9ad8\u9ede\u66b4\u8dcc\u4e86\u8fd140%\uff1f<span style=\"font-size: revert;\">\u300b<\/span> \u9019\u7bc7\u6587\u7ae0\u7684\u63a2\u8a0e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Affirm\"><\/span><strong>Affirm<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Affirm\u4eca\u5e74\u4e0a\u5e02\u4ee5\u4f86\uff0c\u80a1\u50f9\u4e00\u8def\u4e0b\u632b\uff0c\u81f38\/26\/2021\u70ba\u6b62\uff0c\u7e3d\u5171\u4e0b\u8dcc\u4e8630%\uff0c\u800c\u4e14\u8dcc\u52e2\u770b\u4f3c\u6c92\u6709\u7d42\u6b62\u7684\u8da8\u52e2\u3002<\/p>\n\n\n\n<p>8\/27\/2021\u4e9e\u99ac\u905c\u5ba3\u4f48Affirm\u70ba\u5176\u5e73\u53f0\u4e0a\u552f\u4e00\u7684\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3eBNPL\u670d\u52d9\u7684\u300c\u552f\u4e00\u63d0\u4f9b\u5546\u300d\u3002\u8981\u4e0d\u662f\u4e9e\u99ac\u905c\u5ba3\u4f48\u548c\u5b83\u5efa\u7acb\u5408\u4f5c\u7684\u95dc\u4fc2\uff0cAffirm\u7684\u80a1\u50f9\u53ef\u80fd\u9084\u662f\u6703\u5728\u4f4e\u6a94\u5f98\u5f8a\u3002\u4e9e\u99ac\u905c\u7684\u9019\u9805\u5ba3\u5e03\uff0c\u81f3\u4eca\u4e0d\u5230\u4e09\u500b\u6708\uff0c\u5e7e\u4e4e\u5448\u76f4\u7dda\u822c\u7684\u4e0a\u6f32\uff0c\u80a1\u50f9\u8db3\u8db3\u4e0a\u6f32\u4e86100%\uff08\u898b\u4e0b\u5716\uff0c\u4f86\u8c37\u6b4c\u8ca1\u7d93\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"563\" height=\"288\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/AFRM-1600x1200-1.png\" alt=\"\" class=\"wp-image-10312\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/AFRM-1600x1200-1.png 563w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/AFRM-1600x1200-1-300x153.png 300w\" sizes=\"auto, (max-width: 563px) 85vw, 563px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%B2%BB%E5%9F%83%E5%93%B2\"><\/span><strong>\u8cbb\u57c3\u54f2<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u66fe\u7d93\u5728\u672c\u90e8\u843d\u683c\u4ecb\u7d39\u904e\u9019\u5bb6\u5728\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u7121\u4eba\u4e0d\u77e5\uff0c\u7121\u4eba\u4e0d\u66c9\uff0c\u5728\u6d88\u8cbb\u91d1\u878d\u754c\u7684\u8457\u540d\u4e0a\u5e02\u4f01\u696d\u8cbb\u57c3\u54f2\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aFICO\uff09 \u3002\u6295\u8cc7\u4eba\u6703\u767c\u73fe\uff0c\u9019\u5bb6\u770b\u8d77\u4f86\u61c9\u8a72\u662f\u5f71\u97ff\u529b\u5f37\u5927\u7684\u4f01\u696d\uff0c\u4eca\u5e74\u4ee5\u4f86\u7684\u80a1\u50f9\u537b\u4e00\u53cd\u904e\u53bb\u7684\u5e38\u614b\uff0c\u80a1\u50f9\u4eca\u5e74\u4ee5\u4f86\u5df2\u7d93\u4e0b\u632b\u905429.24%\uff0c\u800c\u4e14\u6301\u7e8c\u5730\u5275\u4e0b\u65b0\u4f4e\u3002\uff08\u5982\u4e0b\u5716\uff0c\u4f86\u81ea\u8c37\u6b4c\u8ca1\u7d93\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"494\" height=\"324\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/FICO-1600x1200-1.png\" alt=\"\" class=\"wp-image-10326\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/FICO-1600x1200-1.png 494w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/FICO-1600x1200-1-300x197.png 300w\" sizes=\"auto, (max-width: 494px) 85vw, 494px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u539f\u56e0\u7121\u4ed6\uff0c\u6d88\u8cbb\u91d1\u878d\u4fe1\u8cb8\u7684\u65b9\u5f0f\u7d93\u904e\u6700\u8fd1\u5e7e\u5e74\u7684\u91d1\u878d\u65b0\u5275\uff08Fintech\uff09\u7ffb\u5929\u8986\u5730\u7684\u653b\u57ce\u63a0\u5730\uff0c\u91d1\u878d\u7248\u5716\u5df2\u7d93\u767c\u751f\u6839\u672c\u6027\u7684\u8b8a\u5316\uff08\u8acb\u53c3\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u6587\u7ae0<span style=\"font-size: revert;\">\u300a<\/span><a style=\"font-size: revert;\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/\">\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/a><span style=\"font-size: revert;\">\u300b<\/span>\uff09\uff0c\u5c0d\u5b83\u7684\u4ef0\u8cf4\u7a0b\u5ea6\u6b63\u5728\u9010\u6b65\u4e0b\u964d\u4e2d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"187\" height=\"64\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/az-1600x1200-2.jpg\" alt=\"\u7d93\u6fdf\u898f\u6a21\" class=\"wp-image-25214\"\/><figcaption class=\"wp-element-caption\">credit: wikimedia<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E4%BA%9E%E9%A6%AC%E9%81%9C%E7%9A%84%E7%B6%93%E6%BF%9F%E8%A6%8F%E6%A8%A1\"><\/span><strong>\u4e9e\u99ac\u905c\u7684\u7d93\u6fdf\u898f\u6a21<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f9e\u4ee5\u4e0a\u7684\u8a0e\u8ad6\u4e2d\uff0c\u5145\u4efd\u8b49\u660e\u4e86\u4e9e\u99ac\u905c\u7684\u7d93\u6fdf\u898f\u6a21\u5df2\u7d93\u5f37\u5927\u5230\u6c7a\u5b9a\u8a31\u591a\u4e0a\u5e02\u4f01\u696d\u7684\u751f\u5b58\uff08\u8acb\u6ce8\u610f\uff1b\u4e9e\u99ac\u905c\u81ea\u5df1\u7684\u80a1\u50f9\uff0c\u5728\u6b64\u540c\u6642\uff0c\u5176\u5be6\u6c92\u6709\u5f88\u660e\u986f\u7684\u8b8a\u5316\uff09\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E4%BC%81%E6%A5%AD%E4%BB%8A%E5%B9%B4%E4%BB%A5%E4%BE%86%E7%9A%84%E8%82%A1%E5%83%B9%E8%AE%8A%E5%8C%96\"><\/span><strong>\u76f8\u95dc\u4f01\u696d\u4eca\u5e74\u4ee5\u4f86\u7684\u80a1\u50f9\u8b8a\u5316<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u4f86\u81ea\u5609\u4fe1\u7406\u8ca1\uff0c\u672c\u6587\u6240\u63d0\u5230\u7684\u6240\u6709\u4f01\u696d\uff0c\u4eca\u5e74\u4ee5\u4f86\u7684\u80a1\u50f9\u8d70\u52e2\u5716\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"372\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/price-1600x1200-1.png\" alt=\"\" class=\"wp-image-10321\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/price-1600x1200-1.png 610w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/11\/price-1600x1200-1-300x183.png 300w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5716\u88e1\u9762\u6211\u5011\u53ea\u770b\u5230\u5169\u5bb6\u662f\u6b63\u5831\u916c\uff1a\u4e9e\u99ac\u905c\u4e0a\u6f32\u4e8617.81%\uff0cAffirm\u4e0a\u6f32\u4e8640.07%\u3002\u800c\u5176\u5b83\u6240\u6709\u7684\u4f01\u696d\uff0c\u5168\u90fd\u662f\u8ca0\u5831\u916c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/02\/%e7%95%b6%e4%ba%9e%e9%a6%ac%e9%81%9c%e9%9b%b2%e7%ab%af%e6%9c%8d%e5%8b%99aws%e8%a1%a8%e7%8f%be%e4%b8%8d%e5%86%8d%e4%ba%ae%e7%9c%bc\/\">\u7576\u4e9e\u99ac\u905c\u96f2\u7aef\u670d\u52d9AWS\u8868\u73fe\u4e0d\u518d\u4eae\u773c<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/24\/%E5%A8%81%E5%A3%AB%E6%88%96%E8%90%AC%E5%A3%AB%E9%81%94%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B6%B2%E8%B7%AF%E7%9A%84%E5%B9%BE%E5%A4%A7%E5%8F%AF%E8%83%BD%E5%A8%81%E8%84%85\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\u548c\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u5e7e\u5927\u53ef\u80fd\u5a01\u8105<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/05\/15\/%e5%85%a8%e4%b8%96%e7%95%8c%e8%bc%83%e7%9f%a5%e5%90%8d%e7%9a%84%e5%af%a1%e4%bd%94%e4%bc%81%e6%a5%ad\/\">\u5168\u4e16\u754c\u8f03\u77e5\u540d\u7684\u5be1\u4f54\u4f01\u696d<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/08\/23\/%E6%96%B0%E8%88%88%E7%9A%84%E6%94%AF%E4%BB%98%E5%95%86shift4\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c08\u6ce8\u4e2d\u5c0f\u4f01\u696d\u7684\u5c0f\u578b\u65b0\u8208\u652f\u4ed8\u5546Shift4\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/07\/12\/%e7%be%8e%e5%9c%8b%e9%81%8b%e9%80%9a%ef%bc%8c%e5%b7%b4%e8%8f%b2%e7%89%b9%e7%94%9f%e6%b6%af%e6%9c%80%e4%bd%b3%e7%9a%84%e6%8a%95%e8%b3%87%e4%b9%8b%e4%b8%80\/\">\u7f8e\u570b\u904b\u901a\uff0c\u5df4\u83f2\u7279\u751f\u6daf\u6700\u4f73\u7684\u6295\u8cc7\u4e4b\u4e00<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/07\/30\/%e7%be%8e%e5%9c%8b%e9%81%8b%e9%80%9a%e5%92%8c%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e6%9c%89%e4%bd%95%e4%b8%8d%e5%90%8c%ef%bc%9f\/\">\u7f8e\u570b\u904b\u901a\u548c\u5a01\u58eb\u6216\u842c\u58eb\u9054\u4fe1\u7528\u5361\u6709\u4f55\u4e0d\u540c<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/02\/11\/%e5%a8%81%e5%a3%ab%ef%bc%88visa%ef%bc%89%e5%92%8c%e8%90%ac%e5%a3%ab%e9%81%94%ef%bc%88mastercard%ef%bc%89%e6%9c%89%e4%bb%80%e9%ba%bc%e4%b8%8d%e5%90%8c%ef%bc%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\uff08Visa\uff09\u548c\u842c\u58eb\u9054\uff08Mastercard\uff09\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%E5%85%A9%E5%A4%A7%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E8%AD%B7%E5%9F%8E%E6%B2%B3%E9%AC%86%E5%8B%95%E4%BA%86%E5%97%8E%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">2\u5927\u4fe1\u7528\u5361\u7db2\u8def\u7684\u8b77\u57ce\u6cb3\u9b06\u52d5\u4e86\u55ce\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%E8%B2%9D%E5%AF%B6%EF%BC%88paypal%EF%BC%89%E7%9B%AE%E5%89%8D%E7%9A%84%E7%B6%93%E7%87%9F%E5%9B%B0%E5%A2%83\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8c9d\u5bf6\uff08PayPal\uff09\u76ee\u524d\u7684\u5371\u6a5f\u548c\u5438\u5f15\u529b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/11\/10\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e5%85%a7%e9%83%a8%e4%ba%ba%e5%a3%ab%e4%ba%a4%e6%98%93%e6%98%af2025%e5%b9%b4%e8%82%a1%e5%83%b9%e4%b8%8d%e6%8c%af%e7%9a%84%e4%b8%bb%e8%a6%81%e5%9b%a0%e7%b4%a0%e4%b9%8b\/\">\u4e9e\u99ac\u905c\u5167\u90e8\u4eba\u58eb\u4ea4\u6613\u662f2025\u5e74\u80a1\u50f9\u4e0d\u632f\u7684\u4e3b\u8981\u56e0\u7d20\u4e4b\u4e00<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%E4%BA%9E%E9%A6%AC%E9%81%9C%E7%9A%84%E5%AE%B0%E5%88%B6\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e9e\u99ac\u905c\uff08Amazon\uff09\u7684\u5bb0\u5236\u529b &#8211; \u5f9e\u8c9d\u5bf6\uff08PayPal\uff09\u3001Affirm\u3001\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09\u3001\u5a01\u58eb\uff08Mastercard\uff09\u3001\u842c\u58eb\u9054\uff08Visa\uff09\u8fd1\u4f86\u80a1\u50f9\u7684\u8d70\u52e2\u4f86\u770b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u6700\u91cd\u8981\u7684\u4e0a\u5e02\u4f01\u696d\u4e4b\u4e00\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09<\/a>\u300b<\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/28\/shopify%e5%b7%b2%e8%b6%85%e8%b6%8a%e4%ba%9e%e9%a6%ac%e9%81%9c\/\">\u5728\u67d0\u4e9b\u91cd\u8981\u7684\u96fb\u5546\u6307\u6a19\uff0cShopify\u5df2\u8d85\u8d8a\u4e9e\u99ac\u905c<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/16\/%e4%ba%9e%e9%a6%ac%e9%81%9c%e5%92%8c%e9%98%bf%e9%87%8c%e5%b7%b4%e5%b7%b4\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e9e\u99ac\u905c\uff08Amazon\uff09\u548c\u963f\u91cc\u5df4\u5df4\uff08Alibaba\uff09\u7684\u6bd4\u8f03<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/05\/28\/%E4%BA%9E%E9%81%9C%E7%82%BA%E4%BD%95%E6%94%B6%E8%B3%BC%E7%B1%B3%E6%A2%85\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e9e\u2fba\u905c\uff08Amazon\uff09\u70ba\u4f55\u6536\u8cfc\u7c73\u2fbc\u6885\uff08MGM\uff09\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5df4\u83f2\u7279\u6301\u6709\u7684Nubank\u5982\u4f55\u8cfa\u9322\uff1f\u512a\u52e2\u70ba\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/12\/%e6%82%a8%e6%87%89%e8%a9%b2%e8%aa%8d%e8%ad%98square%e9%80%99%e5%ae%b6%e4%bc%81%e6%a5%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b<\/li>\n\n\n\n<li><span style=\"font-size: revert;\">\u300a<\/span><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/03\/12\/%E6%97%85%E9%81%8A%E9%9B%BB%E5%AD%90%E5%95%86%E5%8B%99%E4%B9%8B%E7%8E%8B%E7%B9%BD%E5%AE%A2%EF%BC%88booking%EF%BC%89%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2%EF%BC%9F\/\">\u65c5\u904a\u96fb\u5b50\u5546\u52d9\u4e4b\u738b\u7e7d\u5ba2\uff08Booking\uff09\u5982\u4f55\u8cfa\u9322\uff1f\u672a\u4f86\u524d\u666f\u5206\u6790<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/09\/30\/%E5%85%A8%E7%90%83%E7%99%BC%E5%B1%95%E6%9C%80%E8%BF%85%E9%80%9F%E7%9A%84%E5%BF%AB%E6%99%82%E5%B0%9A%E9%8A%B7%E5%94%AE%E5%95%86%E5%B8%8C%E9%9F%B3%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u7403\u767c\u5c55\u6700\u8fc5\u901f\u7684\u5feb\u6642\u5c1a\u92b7\u552e\u5546\u5e0c\u97f3\uff08Shein\uff09\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/27\/%e5%a5%bd%e5%b8%82%e5%a4%9a%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/\" data-type=\"URL\" data-id=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/27\/%e5%a5%bd%e5%b8%82%e5%a4%9a%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u597d\u5e02\u591a\uff08Costco\uff09\u5982\u4f55\u8cfa\u9322\uff1f<\/a><span style=\"font-size: revert;\">\u300b<\/span><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/02\/02\/%E5%A5%BD%E5%B8%82%E5%A4%9A%E7%9A%84%E8%AD%B7%E5%9F%8E%E6%B2%B3%E5%92%8C%E7%AB%B6%E7%88%AD%E8%80%85%E7%9A%84%E5%B7%AE%E7%95%B0\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u597d\u5e02\u591a\u7684\u8b77\u57ce\u6cb3\uff0c\u548c\u7af6\u722d\u8005\u7684\u5dee\u7570<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/08\/29\/%E7%9C%9F%E6%AD%A3%E7%9A%84%E9%9B%B6%E5%94%AE%E9%9C%B8%E4%B8%BB%E6%B2%83%E7%88%BE%E7%91%AAwalmart\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u771f\u6b63\u7684\u96f6\u552e\u9738\u4e3b\u6c83\u723e\u746a\uff08Walmart\uff09\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/10\/03\/dollar-general%e5%a4%9a%e4%be%86%e5%ba%97\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u591a\u4f86\u5e97\uff08Dollar General\uff09\u548c\u7f8e\u5143\u6a39\uff08Dollar 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