面向加拿大商家的 Shopify Capital 商家现金垫款
Shopify Capital 在加拿大提供商家现金垫款。商家现金垫款是您可以申请的一次性垫款并且向您收取一笔固定费用。您需要向 Shopify Capital 支付每日销售额的特定百分比，直到全额付清。汇付总额和汇付比例取决于您的风险状况。
例如，Shopify Capital 可能会给您预付 5,000 加元，然后从您商店的未来销售额中收取 5,650 加元，汇付比例为 10%。您收到的 5,000 加元将转入您的企业银行账户，Shopify Capital 将收取您商店每日总销售额的 10%，直到已汇付金额达到汇付总额 5,650 加元。汇付超过汇付总额的 25% 后，您可以选择一次性汇付未缴余额。
将总额汇付至 Shopify Capital 没有最后期限。每日汇付金额由商店的每日销售额决定，因为汇付比例是商店每日销售额的百分比。汇付金额会从您的企业银行账户中自动扣除。
如果您的商店符合获得商家现金垫款的资格，您将收到 Shopify Capital 的电子邮件，并会在 Shopify 后台的主页页面收到消息。如果您没有收到 Shopify Capital 的电子邮件或消息，则表示您的商店目前不符合申请商家现金垫款的条件。
本页相关主题
申请商家现金垫款
跟踪您的商家现金垫款汇付
汇出未缴余额
了解汇付
申请商家现金垫款
您可以直接从 Shopify 后台的资金页面查看您的资金供应并请求商家现金垫款。
步骤：
在 Shopify 后台中，转到设置 > 资本。
在 Shopify Capital 中查找资格消息，然后点击查看资金供应。
在资金页面上，请比较不同融资选项的条款，然后点击所需选项下方的申请。
每个选项的条款将包括收款金额、Shopify Capital 将收取的汇付总额，以及将从您的每日销售额中扣除并汇付给 Shopify Capital 的汇付比例。
在查看并接受条款对话框中，仔细查看服务条款部分，然后点击 Shopify Capital 协议，在另一个浏览器选项卡中打开它。
请仔细查看 Shopify Capital 协议和预授权借记协议的条款。如果您同意这些条款，请返回查看并接受条款对话框，然后点击接受条款。
Shopify Capital 将审核您的申请，您将在 2-5 个工作日内获悉是否获得批准。如果获得批准，您的商家现金垫款将汇入您的企业银行账户。
备注：如果您在请求资金时将您的支付服务提供商换为 Shopify Payments，则可能需要超过 5 个工作日的时间才能批准您的请求。
收到商家现金垫款两天后，Shopify Capital 将根据您的每日销售收入从您的企业银行账户中扣除每日汇付额。
跟踪您的商家现金垫款汇付
收到商家现金垫款后，您可以在 Shopify 后台中转到设置 > 资金，以跟踪要偿还或汇付的总额的未缴余额。
在资金页面中，您可以查看：
未缴余额。
您已付款的金额、付款占总额的百分比以及转账历史记录。
您可以在转账历史记录部分的总销售额列中查看每天的销售收入。您可以在金额列中查看已向 Shopify Capital 支付的金额。
汇出未缴余额
汇付超过汇付总额的 25% 后，您可以选择一次性汇付未缴余额。付款将从与您的 Shopify 账户关联的同一企业银行账户中扣除。只有当您已汇出的金额至少达到汇付总额的 25% 时，才可以选择汇付未缴余额。
步骤：
在 Shopify 后台中，转到设置 > 资本。
点击 汇出余款
在提示时查看要汇出的余款。如果您确定要汇出全部余款，则请勾选授权框并点击汇出余款。
处理一次性汇付可能最多需要 3 个工作日。在处理期间，所有定期汇付都会暂停。
完成总额汇付后，您将收到确认电子邮件。
了解汇付
在您获得销售额的每一天，系统都会将您的总销售额乘以固定百分比（汇付比例）来计算汇付金额。对于销售额较高的日期，您的汇付金额也更多，而对于销售额较低的日期，汇付金额也较少。您需要持续进行汇付，直到 Shopify Capital 从您的未来销售收入中获得了全部约定金额（汇付总额）。每笔汇付都会自动从您的银行账户中扣除并汇付给 Shopify。
对于计算汇付额，您商店的每日销售收入包括当天标记为已付款的所有订单，不考虑订单来源、处理订单的方式或订单之后是否退款或取消。
下表显示了一位商家五天的汇付示例，此商家需将 15,000 加元的未来销售收入汇付给 Shopify Capital，汇付比例为 10%：
| 天 | 每日收入 | Shopify Capital 的份额 | 余额 |
|---|---|---|---|
| 1 | 100 加元 | 10 加元 | 14,990 加元 |
| 2 | 150 加元 | 15 加元 | 14,975 加元 |
| 3 | 125 加元 | 12.50 加元 | 14,962.50 加元 |
| 4 | 175 加元 | 17.50 加元 | 14,945 加元 |
| 5 | 105 加元 | 10.50 加元 | 14,934.50 加元 |
在计算汇付金额时排除测试订单
计算汇付金额时，商店每日销售收入中唯一不包括的一类订单就是 Shopify Payments 处于测试模式时所下的测试订单。如果在下订单时未启用测试模式，则在计算当天的汇付金额时，此订单将包含在商店的销售收入中。
Shopify商户官网原文详情：
Shopify Capital merchant cash advance for merchants in Canada
In Canada, Shopify Capital offers merchant cash advances. A merchant cash advance is a lump sum of money that you can apply to receive for a fixed fee. You pay Shopify Capital a percentage of your daily sales until the total amount is paid. The total to remit and the remittance rate depend on your risk profile.
For example, Shopify Capital might advance you 5,000 CAD for 5,650 CAD paid from your store's future sales, with a remittance rate of 10%. The 5,000 CAD amount that you receive is transferred to your business bank account, and Shopify Capital receives 10% of your store's gross daily sales until the full 5,650 CAD total to remit has been remitted. After you remit over 25% of your total to remit, then you have the option to remit the remaining balance in a single lump sum.
There is no deadline for remitting the total to Shopify Capital. The daily remittance amount is determined by your store's daily sales, because the remittance rate is a percentage of your store's daily sales. The remittance amount is automatically debited from your business bank account.
If your store is eligible to apply for a merchant cash advance, then you'll receive an email from Shopify Capital and a message on the Home page of your Shopify admin. If you don't receive an email or message from Shopify Capital, then your store isn't currently eligible to apply for a merchant cash advance.
On this page
Request a merchant cash advance
Keep track of your merchant cash advance remittances
Remit the remaining balance
Understanding remittance
Request a merchant cash advance
You can view your funding offers and request a merchant cash advance directly from the Capital page of your Shopify admin.
Steps:
From your Shopify admin, go to Settings > Capital.
Find the eligibility message from Shopify Capital, and then click View funding offers.
On the Capital page, compare the terms of the different funding options, and then click Request beneath the option that you want.
The terms of each option include the amount received, the total to remit that Shopify Capital will buy, and the remittance rate that will be deducted from your daily sales and remitted to Shopify Capital.
In the Review and accept terms dialog, carefully review the Terms and conditions section, and then click Shopify Capital Agreement to open it in another browser tab.
Carefully review the terms of the Shopify Capital Agreement and the Pre-authorized debit agreement. If you agree with the terms, then go back to the Review and accept terms dialog, and click Accept terms.
Your request will be reviewed by Shopify Capital, and you'll hear whether you've been approved within 2 to 5 business days. If you're approved, then your merchant cash advance is delivered to your business bank account.
Two days after you've received the merchant cash advance, Shopify Capital debits the daily remittance from your business bank account based on your sales revenue each day.
Keep track of your merchant cash advance remittances
After receiving your merchant cash advance, you can track the remaining balance of your total to pay back, or remit, in your Shopify admin by going to Settings > Capital.
From the Capital page, you can view:
the remaining balance.
the amount that you've paid, what percentage of the total is paid, and the transfer history.
You can view each day's sales revenue in the Total sales column of the transfer history section. You can view how much is paid to Shopify Capital in the the Amount column.
Remit the remaining balance
When you've remitted over 25% of your total to remit, then you have the option to remit the remaining balance in a single lump sum. The payment is debited from the same business bank account that's tied to your Shopify account. The option to remit the remaining balance becomes available only after you've remitted at least 25% of your total to remit.
Steps:
From your Shopify admin, go to Settings > Capital.
Click Remit balance.
At the prompt, review the balance to be remitted. If you're sure that you want to remit the full amount of the remaining balance, then check the authorization box and click Remit balance.
It might take up to 3 business days to process the lump sum remittance. All regular remittances are paused during the processing period.
You receive a confirmation email when your lump sum remittance is complete.
Understanding remittance
For every day that you make sales, a fixed percentage (the remittance rate) is applied to the gross amount of your sales to calculate your remittance. On days when your sales are high, your remittance is bigger, and on days when your sales are low, your remittance is smaller. You continue to make remittances until Shopify Capital has received the full agreed amount of your future sales revenue (the total to remit). Each remittance is automatically debited from your bank account and remitted to Shopify.
For the purpose of calculating remittance, your store's daily sales revenue includes every order that was marked as paid that day, regardless of the source of the order, how payment was processed, or whether the order was later refunded or canceled.
This table shows an example of five days of remittances for a merchant who has sold 15,000 CAD worth of their future sales revenue to Shopify Capital, with a remittance rate of 10%:
Day Daily revenue Shopify Capital's share Balance 1 100 CAD 10 CAD 14,990 CAD 2 150 CAD 15 CAD 14,975 CAD 3 125 CAD 12.50 CAD 14,962.50 CAD 4 175 CAD 17.50 CAD 14,945 CAD 5 105 CAD 10.50 CAD 14,934.50 CAD Excluding test orders from remittance
When calculating remittance, the only orders that are not included in your store's daily sales revenue are test orders that are placed when Shopify Payments is in test mode. If test mode is not enabled when an order is placed, then the order is included in your store's sales revenue when the day's remittance is calculated.
文章内容来源：Shopify商户官方网站
