You can pay directly online, which is fast and convenient. The third-party payment company guarantees that it can refuse to pay and the interests of consumers are protected. On the other hand, the relative risk has increased, mainly by a small amount. Mainly used for online earning, foreign trade retail and small collection.

1, electronic account category: the main payment is electronic account-to-electronic account mode (similar to Alipay and Alipay transactions, both parties need to register and have accounts).

2. International credit card payment: third-party credit card payment companies provide payment channels to achieve the purpose of collection, which is a payment gateway-to-payment gateway model (similar to online banking payment).

Second, the bank remittance mode

Remittances are mainly made through bank transfers and remittance companies. Convenient for large payment, safe, not suitable for small collection, high cost. Once the funds are issued, they cannot be recovered and there is no protection for consumers. Mainly used for wholesale foreign trade collection.

Different payment methods have different preferences for different sellers and buyers. Generally speaking, merchants tend to choose "irrevocable" payment method, while consumers generally hate and refuse to use this method, and advocate the use of third-party payment to protect the interests of both parties.

Extended data:

In China, the most mainstream payment platform is non-independent third-party payment headed by Alipay. These payments are all top-up payment, and they all integrate the online banking functions of most banks.

Therefore, whether it is a credit card or a debit card in China, as long as your bank card has online banking function, it can be used for online shopping. In China, the use of credit cards is not very popular, so most people still use debit cards to pay.

The development of credit cards in China is very rapid, and it is estimated that credit cards will be popularized in the near future. Among young white-collar workers, using credit cards has become a very common phenomenon. This development trend also indicates that direct credit card payment in websites will also develop slowly.

In China, Hongkong, Taiwan Province Province and Macau, the most common electronic payment methods are Visa and MasterCard, and they are also used to paying with PayPal electronic accounts.

References:

Baidu encyclopedia-foreign trade payment