{"id":9634,"date":"2026-04-28T15:33:09","date_gmt":"2026-04-28T07:33:09","guid":{"rendered":"https:\/\/www.qicaiying.cn\/?p=9634"},"modified":"2026-04-28T16:09:43","modified_gmt":"2026-04-28T08:09:43","slug":"2026%e7%94%b5%e5%ad%90%e5%8f%91%e7%a5%a8%e6%96%b0%e8%a7%84%e9%87%91%e7%a8%8e%e5%9b%9b%e6%9c%9f%e8%90%bd%e5%9c%b0%ef%bc%81%e7%a7%81%e4%ba%ba%e8%b4%a6%e6%88%b7%e6%94%b6%e6%ac%be%e9%a3%8e%e9%99%a9","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/9634","title":{"rendered":"New 2026 E-Invoice Regulations + Phase IV of the Golden Tax Project Now in Effect! Risks Associated with Receiving Payments in Personal Accounts Have Escalated; Cross-Border Sellers Urged to Conduct Immediate Self-Checks"},"content":{"rendered":"
Mr. Wang has been in the cross-border e-commerce business for six years, and he has always received payments for his goods through his personal WeChat and Alipay accounts.<\/p>\n\n\n\n
He figured that as long as it didn't exceed 5 million, the tax authorities wouldn't be able to track him down.<\/p>\n\n\n\n
In April, he received a notice of an audit.<\/p>\n\n\n\n
A single sentence from the tax official on the phone made his legs go weak right then and there\u2014<\/p>\n\n\n\n
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\u201cWe\u2019ve obtained all of your payment records from the platform for the past three years.\u201d<\/p>\n<\/blockquote>\n\n\n\n
I. What Exactly Happened in April?<\/h2>\n\n\n\n
In April 2026, two developments occurred simultaneously, resulting in an unprecedented level of regulatory intensity:\u2460<\/strong><\/p>\n\n\n\n
State Taxation Administration Order No. 56\u2014New Regulations on Electronic Invoice Management Officially Take Effect<\/p>\n\n\n\n
Electronic invoices are now widely adopted; once an invoice is issued, a record is automatically retained and cross-checked in real time against cash flow. The system can instantly show exactly how much money you\u2019ve received and how many invoices you\u2019ve issued.\u2461<\/strong><\/p>\n\n\n\n
The \"Golden Tax Phase IV\" Initiative Expands Its Reach Across the Board<\/p>\n\n\n\n
Reporting Thresholds for Large-Value Bank Transfers Have Been Lowered, Allowing Tax Authorities to Trace Transactions with Greater Precision:<\/p>\n\n\n\n
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Payment Data from Platforms Such as Amazon, TikTok Shop, and Shopee<\/li>\n\n\n\n
WeChat and Alipay Payment History<\/li>\n\n\n\n
Bank Transaction History for Business and Personal Accounts<\/li>\n<\/ul>\n\n\n\n
What do these two events, taken together, mean?<\/p>\n\n\n\n
The tax system can now compare your reported receipts and invoices in a matter of seconds. The difference between the two is your risk.<\/p>\n\n\n\n
\ud83d\udca1 Free Financial and Tax Risk Assessment<\/p>\n\n\n\n
If you\u2019re still using your personal WeChat, Alipay, or private bank account to receive payments from the platform and aren\u2019t sure whether you\u2019re at risk, contact us immediately\u2014we\u2019ll let you know your current risk level within 10 minutes.<\/p>\n\n\n\n
You purchased goods from a factory in Shenzhen, had them shipped to an Amazon warehouse, received the payment into your company\u2019s account, and issued a VAT invoice.<\/p>\n\n\n\n
\u274c High Risk (Four-Stream Inconsistency)<\/p>\n\n\n\n
You purchase goods from a factory in Shenzhen, receive payment into your wife\u2019s Alipay account, but the invoice is issued in the company\u2019s name.<\/p>\n\n\n\n
The fundamental issue with receiving payments through personal accounts is a disconnect between the flow of funds and the flow of invoices. Under the real-time verification system of the Golden Tax Phase IV initiative, this disconnect will be automatically detected by the system.<\/p>\n\n\n\n
\ud83d\udcde Not sure if your \u201cfour streams\u201d align? Contact us right away\u2014our professional consultants will help you verify each invoice, contract, logistics record, and payment receipt to identify risks and address them proactively.<\/p>\n\n\n\n
IV. These 5 Types of Cross-Border Sellers Are Currently at the Greatest Risk<\/h2>\n\n\n\n
Quick Self-Check: How Many Apply to You?<\/p>\n\n\n\n
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\u2611 Platform payments are deposited into a personal account (not a corporate bank account)<\/li>\n\n\n\n
\u2611 Receive payment from buyers via WeChat Pay or Alipay<\/li>\n\n\n\n
\u2611 Raw materials are purchased in an individual\u2019s name, making it impossible to obtain compliant input invoices<\/li>\n\n\n\n
\u2611 There is a significant discrepancy between the company\u2019s actual revenue and the revenue reported for tax purposes.<\/li>\n\n\n\n
\u2611 Disorganized accounting records; commingling of business and personal accounts<\/li>\n<\/ul>\n\n\n\n
Any one of these is a priority target for audits.<\/p>\n\n\n\n
V. How to Ensure Compliance? 4 Things to Start Doing Right Now<\/h2>\n\n\n\n
Step 1: Map Out the Payment Flow<\/p>\n\n\n\n
Consolidate all payments received through various platforms, as well as WeChat Pay and Alipay, into the company\u2019s business account, and stop using personal accounts to receive payments.<\/p>\n\n\n\n
Step 2: Reconstruct the Invoice Ledger<\/p>\n\n\n\n
Verify invoices, contracts, shipping information, and payment records on a transaction-by-transaction basis, and address any discrepancies as soon as possible.<\/p>\n\n\n\n
Step 3: Clear Historical Risks<\/p>\n\n\n\n
Are there any obvious discrepancies between cash flows and invoices in the financial records for the past three years (the tax authority\u2019s retroactive audit period is seven years)? Conduct a self-audit before the tax audit.<\/p>\n\n\n\n
Step 4: Hire a Professional Accounting Firm<\/p>\n\n\n\n
Starting today, business and personal accounts will be completely separated and managed by a professional accounting firm, with monthly reconciliations.<\/p>\n\n\n\n
VI. Qi Cai Ying: Three Steps to Help You Go from \u201cNon-Compliance\u201d to \u201cCompliance\u201d<\/h2>\n\n\n\n
Step 1: Free Financial and Tax Risk Assessment<\/p>\n\n\n\n
Our consultants will assess your current risk level based on your payment collection model and financial records, and provide specific recommendations for corrective action.<\/p>\n\n\n\n
Our professional team will take over your accounting, help you organize your historical records, and establish standardized invoice and cash flow ledgers.<\/p>\n\n\n\n
By regularly comparing your income with your invoices each month, you can identify discrepancies in a timely manner and eliminate risks before an audit takes place.<\/p>\n\n\n\n
When an audit notice arrives, you\u2019re left with no choice but to react passively. Proactive compliance is your best safeguard.<\/p>\n\n\n\n
\ud83d\udcde Not sure if your \u201cfour streams\u201d align? Contact us right away\u2014our professional consultants will help you verify each invoice, contract, logistics record, and payment receipt to identify risks and address them proactively.<\/p>\n\n\n\n
Why Choose Qicaiying to Serve You:<\/strong><\/h2>\n\n\n\n
\ud83d\udd39 1. A team of experts to guide you throughout the process<\/strong><\/p>\n\n\n\n
Our team of nearly 400 professionals consists of senior lawyers, accountants, tax accountants and cross-border business consultants. They are well versed in international regulations, handle thousands of high-end cases annually, and can provide optimal customized solutions from structural design to on-the-ground implementation.<\/p>\n\n\n\n
\ud83d\udd39 2. digitally empowered, smart and efficient<\/strong><\/p>\n\n\n\n
We have spent 20 million RMB to research and develop our own digital system \"Echobo\", which realizes process standardization and progress visualization. The integration of AI intelligent analysis can provide quick insight into demand and assist in generating solutions, making complex affairs clear, transparent and efficient.<\/p>\n\n\n\n
\ud83d\udd39 3. Eco-links, extra value<\/strong><\/p>\n\n\n\n
We connect over 500,000+ entrepreneurs with domestic and international associations. By regularly organizing cross-border salons, tax law seminars and other activities, we not only solve registration problems, but are also committed to linking resources and creating business opportunities for you.<\/p>\n\n\n\n
\ud83d\udd39 4. Full-cycle accompaniment for worry-free sailing<\/strong><\/p>\n\n\n\n
Our services go beyond \"successful registration\". We provide a full life cycle of services from early consultation, mid-term implementation, to late financial and tax declaration, annual audit and maintenance, and compliance consulting, to become your long-term and stable partner for overseas expansion.<\/p>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"
In April 2026, two developments occurred simultaneously, resulting in an unprecedented level of regulatory intensity: \u2460<\/p>\n
State Taxation Administration Order No. 56\u2014New Regulations on Electronic Invoice Management Officially Take Effect<\/p>\n
Electronic invoices have been fully implemented; once an invoice is issued, a record is automatically retained and cross-checked in real time with cash flow. The system can instantly show how much money you\u2019ve received and how many invoices you\u2019ve issued. \u2461<\/p>\n
The \"Golden Tax Phase IV\" Initiative Expands Its Reach Across the Board<\/p>","protected":false},"author":10,"featured_media":8959,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"2026\u7535\u5b50\u53d1\u7968\u65b0\u89c4\u843d\u5730","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","footnotes":""},"categories":[17,18,13,64],"tags":[1061,534],"class_list":["post-9634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allguide","category-recomguide","category-guide","category-gf-tax-compliance","tag-1061","tag-534"],"yoast_head":"\n
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