(A) pay channel extension specification Advisory: QQ: 2119017259; phone VX: 13360876492
Third-party payment services are an Internet payment is also an important part of modern financial payments market. The traditional third-party online payment service is a funds transfer service provided by an intermediary company, the specific service process for buyers and sellers to reach agreement in the online commodity trading, the buyer uses the account provided by a third-party intermediary payment is the first payment being made tripartite intermediary custody until the third party notify the seller and the buyer shipment inspection of goods is correct, the buyer will notify the third-party intermediaries to make payments, money transfers by third-party intermediary seller's account to the account, the entire transaction is completed; if the buyer has received the goods for various reasons and the goods are not satisfied, you can notify a third party intermediary stop payment, the transaction is interrupted.
With the continuous expansion of the industry and deepening, in the provision of traditional online payment services on the emerging third-party payment service payment as follows gradually penetrated into mobile payments, prepaid cards issued and accepted, POS acquiring lines and other areas, and more aspects enrich people's pay channels.
Therefore, third-party payment service can be described as a credit intermediary service a paid hosting behavior, its essence is through the establishment of a functioning intermediate transition between buyers and sellers in the account, the remittance of funds to achieve controllable pause. This form of third-party intermediaries, and the first shipment after the payment process design, breaking the bottleneck of online payment services development: the settlement of e-commerce micro-payment due to the bank card payment transfer inconsistencies caused inconvenience to the problem, it also greatly reduces the risk of fraud due to information asymmetry resulting from Internet transactions, to fully protect the legitimate rights and interests of consumers, and promote the healthy development of the payment industry.
(B) the third party payment companies pay channel Consulting: QQ: 2119017259; phone VX: 13360876492
According to the central bank in 2010 issued a "non-financial institution payment service management approach", third party payment companies are classified as non-bank financial services or provide funds transfer services intermediary payment institutions. According to summarize Li Yulin (2009) on the concept of third party payment companies, third party payment companies refers to independent buyers and sellers, to be secured by its own credibility, provide payment and settlement system interface with the bank and channel services, in order to achieve funds transfer and payment and settlement services agency. Therefore, third party payment companies should be able to make continued commitment to sustainable development of enterprises, to promote the user to meet the growing demand of payment. First, third-party payment companies need to negotiate with different banks to provide a range of application program interfaces, multiple types of bank cards onto a single payment platform, to provide users with a variety of payment channels, consumer help by reducing the net purchase costs and help businesses reduce operating costs and help save the bank develop a gateway machine maintenance costs, making online shopping faster and more convenient; second, when the number of users to achieve a relatively stable period, third-party payment companies should start working to expand the scope of business , focusing on the development of online and offline services, as well as with more large-scale e-commerce site, or other electronic industry due to the need to deepen the degree of third-party payment services business cooperation, providing a wide range of payment and settlement and transfer of funds to maximize the service.
(C) third-party payment industry
Third-party payment industry is a collection of third-party payment service payment companies, China's third-party payment industry or to third-party online payment market as its core business. but. With the continuous expansion of their business territory, the mobile payment market, POS payment channels to pay for other markets will gradually penetrate into the third-party payment industry. Throughout the years the development of third-party payment industry, from the initial attack e-commerce service life, but now more than e-commerce, education, finance, public utilities, aviation and other comprehensive, third-party payment industry has become China's Internet economy indispensable support force. CCID Consulting published in 2011, "third-party payment industry development strategy in China" was mentioned the importance of third-party payment industry, that the third-party payment industry not only in banking services to make up for gaps, to enhance the efficiency of financial transactions and other aspects of outstanding performance . While the sound plays an important role in the modern financial system, improve the modern financial functions, is an important part of modern finance enrich the connotation.