recently，Many customers have questions about Hong Kong’s special licenses，today,Manager Peng Yi’s money service，Let everyone know which companies need to apply for the "Hong Kong Money Service Operator License"。金钱服务是指货币兑换服务或者汇款服务。
货币兑换服务（moneychangingservice）是指在香港作为业务经营的货币兑换服务，However, it does not include such services incidental to the main business，For example, a retail business that accepts foreign currency in transactions or is so operated by a person who manages a hotel、Services that meet the description below：
- The service operates on the hotel's premises，Mainly for the convenience of customers staying in the hotel；
- Only includes the person’s purchase of non-Hong Kong dollar currencies for exchange in Hong Kong dollars.。
汇款服务（remittanceservice）指在香港作为业务经营的、Providing one or more than one of the following transaction services：
- Send money or arrange for money to be sent outside Hong Kong；
- Receiving or arranging to receive money from a place outside Hong Kong；
- Arrange to receive money outside Hong Kong。What kind of companies need to apply for this license?
one、The Hong Kong agent of WeChat/Alipay now becomes the Hong Kong agent of WeChatPay or Alipay，Holding an MSO license (Hong Kong Money Service Operator License) is one of the necessary conditions。
If you have industry resources in Hong Kong，For example aviation、FOOD、hotel、Chain shopping mall、Travel agents, etc.，Then apply to become a Hong Kong agent for WeChat/Alipay payment，Provide convenient payment methods for merchants in various industries，You can earn settlement commission，Develop a career。
2017The annual number of mainland tourists visiting Hong Kong is 18.5 million，Per capita consumption is HKD 7,010，A total of approximately 130 billion in consumption，There is huge room for development of WeChat/Alipay。
two、Cross-border payment、Cross-border fund management platform The domestic cross-border e-commerce market is booming，中国企业醉近几年在欧洲、Amazon in the United States、eBay、Wish、Shopee、Newegg and many other e-commerce platforms open stores for sales，There are currently about 500,000 companies carrying out cross-border e-commerce business。
For these export e-commerce companies，When selling goods on the above-mentioned overseas e-commerce platforms, you need to solve the problem of how to transfer the money back to your company's Hong Kong or domestic bank account.。The cross-border fund management platform can solve the problem of payment collection and foreign exchange settlement for these cross-border e-commerce customers.。
with competitive rates，And faster delivery time than industry competitors，Provide cross-border e-commerce customers with European、US dollars collected by overseas sales platforms such as the United States、EUR、Service for transferring foreign currency funds such as pounds sterling back to designated accounts in Hong Kong or China。By applying for an MSO license，With the help of Hong Kong International Financial Center
Advantages
，Provide quality services to domestic cross-border e-commerce customers。
Similar companies include：Worldfist，Paypal，PingPong et al.。three、Foreign card acquirer Engaging in the foreign card acquirer business can gain income from the exchange difference between currencies，Having a Hong Kong MSO license is one of the current thresholds for engaging in the foreign card acquiring and settlement industry.。
For licensed companies，Hold an MSO license in Hong Kong，You can also use the Hong Kong International Foreign Exchange Center
Advantages
，Work with different banks or foreign exchange brokers to obtain more competitive settlement rates，Increase exchange rate gains in settlement。
Four、袋收代付公司1、Game payment platform：Currently popular games overseas，Or a domestic agent for high-quality overseas games，All need to provide domestic and overseas players with a high-quality collective payment platform on the game interface.，Offers include Paypal、Applepay、Alipay、WeChat and mainstream electronic payment tools popular in Europe, America, Southeast Asia and other regions。
游戏支付平台收取的玩家、Income in different currencies from consumption，If the platform holds a Hong Kong MSO license，则可以方便地处理外汇结算及袋收代支款项的处理。
- 海外广告平台的袋收代付：For cross-border e-commerce or domestic customers，Provide clients with advertising resources from overseas mainstream media，And assist customers in paying foreign exchange advertising fees.，Earn agency spread、Income from exchange differences and handling fees。
- Supply chain finance company：Provide supply chain financial services for cross-border e-commerce platforms，Provide export seller credit to upstream and downstream enterprises in the supply chain、export buyer's credit、Buyout of medium and long-term receivables、Domestic insurance, cross-border financing and other financial services，其中会涉及到外汇的袋收代付。
five、Customers who hold an MSO license when opening a physical money change shop/exchange bank in Hong Kong，Can apply to open a physical money change shop/exchange bank in Hong Kong，for tourists、Individuals provide exchange and remittance services in different currencies
About Hong Kong Xintong
Hong Kong Xintong focuses onHong Kong Securities and Futures Commission license、Hong Kong Insurance Broker License、Hong Kong MSO Licenseandmoneylenders licenseApply for service，Assist customers to applyUS MSB license、NFA、RIA、Canadian MSB license、Mainstream overseas financial licenses such as Australia and Mexico，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableCayman Islands Offshore Company Registration、Offshore fund establishment and global compliance operations and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
