What are the main platforms for third-party payment?

Wechat Alipay qq, etc. Third-party payment refers to an independent institution with certain strength and credibility. They will sign contracts with major banks to provide an online payment mode connected with the bank payment and settlement system. Domestic third-party payment platforms mainly include the following:

1, Alipay

2. Lucky Pass

3. Quick money

4. the first letter is easy

5.yeepay

6. UnionPay business

7. UnionPay Online

8. Remit to the world

9. Communication payment

10, Huanxun Payment

1 1, Lacarra The following are the advantages of third-party platform payment:

1. The third-party payment platform cooperates with many banks, which greatly facilitates online transactions.

2. For merchants, the third-party payment platform can reduce the operating costs of enterprises; For banks, the third-party service system can be directly used to provide services to help banks save the cost of gateway development.

3. The third-party payment platform can record the transaction of both parties in detail, prevent both parties from denying the transaction, and provide corresponding evidence for possible disputes in subsequent transactions.

Second, shortcomings.

1. Due to the imperfection of the law and the failure to establish the national credit system, the security of third-party payment cannot be well guaranteed, and the integrity risk of logistics activities independent of the network still exists.

2. Self-competition and risk.

Payment process

Take B2C transaction as an example:

1. The customer chooses the goods on the e-commerce website and finally decides to buy them. Buyers and sellers reach a trading intention online.

2. The customer chooses to use a third party as a transaction intermediary, and the customer transfers the payment to the third party account with a credit card;

3. The third-party payment platform informs the merchant that the customer has paid and requires the merchant to deliver the goods within the specified time;

4. After receiving the notice, the merchant will deliver the goods according to the order;

5. The customer shall notify the third party after receiving the goods and verifying them;

6. The third party transfers the payment from its account to the merchant account, and the transaction is completed.