1. Gateway payment
- This is the most common form of online payment. Rough payment process: A third-party payment company acts as an agent (gateway) and connects to a bunch of banks. The user selects a bank on the gateway page (either on the merchant side or on the third-party payment platform). The page jumps to the third-party payment platform and then redirects to the corresponding bank. The user uses online banking (personal online banking) on the bank's official website of electronic banking. or corporate online banking) to complete the payment. Gateway payment is divided into two categories: B2C and B2B.
2. UnionPay deduction
- Withholding generally refers to a three-party agreement signed by a user through online or offline counters of "user-merchant-bank", and the authorized merchant can deduct money from his or her bank account. Typical application scenarios are regular deductions for TV bills and insurance premiums. The UnionPay withholding channel mentioned by the questioner refers to the use of UnionPay withholding services and channels. The providers of withholding services and channels can be UnionPay, banks, settlement centers, third-party payment, etc. The withholding services are divided into: There are two categories: public withholding and private withholding. The UnionPay channel can only be used privately. Corporate withholding can only be done through direct connections between banks and enterprises and through local settlement centers.
3. Quick payment
- The essence of fast payment is the product packaging of withholding services (for private users). Quick Payment simplifies the authorization process for small-amount payment demand scenarios (for example, you only need to complete the real-name authentication of the cardholder's bank card, ID card, and mobile phone number), and at the same time completes consumption confirmation in the form of a downstream SMS verification code. A good balance between security and convenience.
4. Bank card payment
- It mainly refers to the form of payment based on bank card account. The corresponding payment forms include bank bills (cashier's check, draft, check, etc.), virtual account payment in the bank, etc. There are two main forms of bank card payment: online payment and offline payment. Offline payment is what we usually call POS receipt; and online payment is what we usually call online payment.
5. Online banking payment
Refers to using the bank's online banking client to complete payment, generally related to online payment on the PC side. Refer to gateway payment