wish平台ProductBoost退款保障项目如何为商户提供保障？
如果商户为参加 A+ 物流计划的产品创建 ProductBoost 活动，即有机会获得一定金额的 ProductBoost 抵用金，以抵消因 A+ 物流计划本身的原因造成订单退款带来的影响。商户在 ProductBoost 活动中投入的花费越多，就有机会获得更高金额的 ProductBoost 抵用金。
从2021年7月开始，Wish 将每月计算 ProductBoost 抵用金，并发放到商户的 ProductBoost 钱包中，计算公式如下：
ProductBoost 抵用金 = 月度 A+ 物流计划 GMV *（月度 A+ 物流计划订单退款率 - 5%），最多不超过月度 ProductBoost 花费的 50%
上述公式中的所有数据都显示在商户平台的“ProductBoost”>“退款保障”页面，因此您可以清楚地看到您收到的 ProductBoost 抵用金金额、月度退款率和 GMV（针对用户在相应月份下单的 A+ 物流计划订单）以及 ProductBoost 花费等信息（请注意，此页面显示的 GMV、退款 GMV、订单、退款订单和退款率等数据仅针对 A+ 物流计划订单，与商户平台的“业绩”页面上显示的数据不同）：
例如，若要计算6月份的 ProductBoost 抵用金（2021年7月发放）：
假设商户某 A+ 物流计划产品在6月产生的 ProductBoost 花费为200美元。
该产品6月份所有 A+ 物流计划订单产生的 GMV 为1200美元。
该产品6月份的 A+ 物流计划订单退款率为 8%。
则7月份发放给商户的 ProductBoost 抵用金为：$1,200 * (8% - 5%) = $36，未超过上限100美元（即 50% * 200），因此最终将发放36美元。
请注意，订单因 A+ 物流计划本身的问题或延误而导致的退款可能在用户下单之后很久才发生，所以某个月份的退款率在该月份结束后的6个月内可能会有所波动。因此，如果6月份的订单在之后的6个月内发生退款，则6月份的 ProductBoost 抵用金可能会在8月、9月、10月甚至之后的月份发放。
由此可以看出，您为参加 A+ 物流计划的产品投入的 ProductBoost 花费越多，获得的 ProductBoost 抵用金就可能越多（如果该产品的月订单退款率高于 5%）。此外，在为 ProductBoost 活动投入资金时，您也不用担心因为自己不可控的原因导致的退款问题。
wish商户官网原文详情：
How does ProductBoost Refund Assurance work?
If merchants create ProductBoost campaigns for products included in the Advanced Logistics Program, they may be issued ProductBoost Credit designed specifically to protect them against order refunds caused by the Advanced Logistics Program. The more ProductBoost spend merchants invest in their campaigns, the more ProductBoost Credit merchants will receive.
On a monthly basis starting July 2021, Wish calculates and issues a ProductBoost Credit amount to merchants’ ProductBoost Wallet using the following formula:
ProductBoost Credit = Monthly Advanced Logistics Program GMV * (Monthly Advanced Logistics Program order refund rate % - 5%), up to 50% of monthly ProductBoost spend
All data in this formula is presented to you in the Merchant Dashboard ProductBoost > Refund Assurance page, so you can clearly see the amount of ProductBoost Credit received and monthly refund rate and GMV (specific to Advanced Logistics Program orders placed by customers during a particular month), ProductBoost spend, and more (once again, note that the GMV, Refund GMV, Orders, Refund orders, and Refund rate data presented on this page are all relevant to Advanced Logistics Program orders only, different from the information presented in the Merchant Dashboard > Performance pages):
For example, to calculate the ProductBoost Credit amount to be issued in July 2021 for the month of June 2021:
A merchant’s ProductBoost spend during June on a product included in the Advanced Logistics Program is $200.
The product generates $1,200 of Advanced Logistics Program GMV for all relevant orders placed by customers in June.
The refund rate for Advanced Logistics Program orders placed by customers in June is 8%
The amount of ProductBoost Credit to be issued to this merchant in July will be $1,200 * (8% - 5%), up to 50% * 200 = $36, up to $100, which will be $36.
Please note that as order refunds due to Advanced Logistics Program issues or delays could occur long after an order is placed by customers, the refund rate for a specified month may fluctuate for up to 6 months after the end of that specified month. Therefore, ProductBoost Credit may be issued for the month of June in August, September, October, and beyond, if refunds occur in the 6 months after June for orders placed in June.
As you can see, the more you spend on ProductBoost for products included in the Advanced Logistics Program, the more ProductBoost Credit you will receive (if the monthly refund rate for relevant orders is above 5%). You also do not need to worry about refunds that occur outside of your control when considering investment into ProductBoost.
文章内容来源：wish商户官方网站
