There are four types, namely: third-party platform, online banking, cash on delivery, and bank transfer.

1. Third-party payment platform?

The ones that are more commonly used now include Alipay, Tenpay, Kuaiqian, Yibao Pay, Baipay, NetEase, and Huanxun Payment and so on. ?

Third-party payment platform means that customers and merchants must first open accounts on the third-party payment platform; and provide their respective bank account information to the payment platform's account. The customer first transfers the payment to the third-party payment platform. The third-party payment platform then notifies the merchant that the payment has been received and the merchant delivers the goods. After the customer receives and inspects the goods, the third-party payment platform notifies the third-party payment platform to pay the merchant. Finally, the third-party payment platform Then transfer the money to the merchant's account. ?

Due to the intervention of third-party payment platforms, the transaction risks of online shopping are effectively reduced and a series of problems in the e-commerce payment process are solved, such as: security issues, credit issues, and cost issues. ?

These third-party payment tools have well promoted the rapid development of the e-commerce industry, and should also be one of the main payment methods for e-commerce online shopping in the future;?

2. Online banking transfer?

Online banking transfer refers to the method of payment via bank card for e-commerce transactions through the Internet. After consumers order from merchants through the Internet, they can pay the merchants online and complete the payment (the prerequisite is to open online banking). ?

There is a contradiction between security and convenience in bank card online banking transfers. In order to ensure the security of bank accounts, mobile certificate protection must be enabled, designated software must be downloaded and many other procedures are required. For some people who are not familiar with computer operations, It's more difficult for people who are familiar with it. I remember when I first started using online banking a few years ago, I couldn't figure out how to use it for a long time. I couldn't figure it out even after calling the bank. In the end, I had no choice but to run away. Go to the bank and ask. Looking at the picture below, you should be able to understand that not many people encounter this problem! With the development of e-commerce and the increasing number of online shopping groups, this problem has become more and more prominent. ?

I think this is indeed a threshold that hinders the popularity and development of online banking! If banks can solve this problem as soon as possible, so that consumers can operate online banking more simply and conveniently, without being so cumbersome, and at the same time ensuring the security of their bank accounts, I think the development of online banking will go to a higher level. ?

3. Cash on delivery?

Cash on delivery means: after the customer orders the goods from the merchant, the merchant directly delivers the goods ordered by the customer to the address given by the customer. , a payment method in which the customer pays the price directly after confirming that the goods are correct. ?

Currently, many e-commerce websites have begun to support this payment method. This should be said to be an e-commerce payment method full of Chinese characteristics. Cash on delivery can be said to be one of the most popular payment methods for domestic users. However, there are many problems in combining payment methods with logistics. First, the cost of cash on delivery is relatively high. For most e-commerce companies, it is impossible to build their own logistics system like JD.com, right? I heard that in some cities, JD.com can deliver goods to customers within 12 hours of ordering. This is really impressive and has greatly enhanced its service quality and industry competitiveness. However, it is unrealistic for most small and medium-sized e-commerce companies to build their own logistics. We can only rely on third-party logistics. The main courier companies that provide cash on delivery services across the country include postal services, EMS, home delivery, and collection services. The express fees and handling fees for payment are relatively high, and I personally feel that the service is relatively poor. Therefore, the cash on delivery business is more suitable for some products with high prices and large profits. However, the wool comes from the sheep, and consumers still have to pay for it in the end. ; Also, cash on delivery is subject to regional restrictions, and most express companies’ cash on delivery business only supports first- and second-tier cities. ?

Cash on delivery has undoubtedly made an important contribution to the development of the e-commerce industry and should become one of the main payment methods in the future. ?

4. Bank remittance or post office remittance, ?

Bank remittance or post office remittance is a very traditional payment method. Bank or post office remittance refers to a payment method in which customers pay the amount of goods they need to purchase directly to the merchant through the post office or bank. However, this method requires you to go to a bank or post office to make payment, which is cumbersome and cannot adapt to the rapid development of e-commerce. ?