Determining the Need for Secondary Settlement in SaaS E-commerce

The text discusses the issue of whether SaaS e-commerce merchants need to conduct secondary settlement. The author suggests that determining the need for secondary settlement depends on the flow of funds and recommends assessing the company's payment license, partnerships with third-party payment companies, and use of bank products for splitting funds to avoid compliance issues. If funds are split into other merchants' bank accounts, the author advises that using a payment company's reserve account or a bank's split account can avoid the need for secondary settlement.