What is the difference between "online payment" and "offline payment"?

1, online payment: refers to the seller and the buyer through the Internet e-commerce site for transactions, the bank for its online funds settlement services of a business. It provides a safe, fast and convenient e-commerce application environment and online fund settlement tool for enterprises and individuals. Online payment not only helps enterprises to realize the rapid collection of sales money and shorten the collection cycle, but also provides an online consumer payment and settlement method for individual online banking customers, so that customers can really do online shopping without leaving home.

2, offline payment is relative to online payment. Online payment is generally realized through the third-party payment platforms, such as Alipay, Paypal, Paypal and so on. The specific operation is to open the online banking, and then a certain amount of funds through the person's permission to transfer to the payment platform, in the online shopping, you can buy items through the payment platform on the reserved funds.

3, basically not through the online payment are called offline payment, specific ways are: cash on delivery, post office remittance, bank transfer and face-to-face transactions. Payment on delivery means that the seller can collect the payment on behalf of the logistics agency through the courier, courier delivery, for example, when the goods are delivered to the buyer, the buyer needs to sign for the goods to pay the payment to the courier company, and then paid by the courier company to the seller.

Extended information:

Being an account-based system, it allows those with an email address to securely send/receive online payments as easily as sending an email. easy as sending an e-mail.

With over 100 million registered accounts worldwide, it is the most efficient way to pay for cross-border transactions. In particular, since August 2008, paypal has officially opened the local bank card authentication, no credit card can also become a certified user of paypal, skip the threshold of credit card, paypal will expand more rapidly. But so with the use of the advantages of the collection method there is also a great risk, the most Chinese buyers are worried about is the seal. There is no reason, the reason is far-fetched. One is 180 days, the result is unknown.

This is undoubtedly to the seller's head hanging a pole calendar axe. Let the people who do business every day fear. Often in the forum and online to see people say, they obviously shipped, and in the courier company network system can check the delivery results. But because there is no proof of signature of the person of the paper medium still not settled back money.

Credit card repayment? As one of the easiest ways to make payments, it is also used by a wide range of merchants, and the global credit card users are undoubtedly the largest and most extensive potential customer base. In terms of ease of use, it is undoubtedly the most convenient, but of course, its risks cannot be ignored. Because of the simplicity of use, the risk is also relatively higher with several other ways. Especially the non-3D payment mode which is respected by the majority of merchants. In addition to the validity of the card, are not to do any verification can be traded.

Plus 180 days of unconditional refusal to pay, undoubtedly to the merchant sold a do not know when the explosion of the landmine, but in view of the situation of foreign trade credit card refusal rate is relatively low, the normal situation is a few thousandths. In view of this, and the introduction of 3D payment mode. In addition to the validity of the card, increase the password mechanism verification.

This reduces the risk, but is accompanied by a reduction in the rate of payment through. No withdrawal fees, will not freeze the account. As a credit card payment service provider, has also been seeking a balance between the passage rate and risk protection. To achieve optimal results.

Reference:

Online payment ? Baidu Encyclopedia

Offline payment ? Baidu Encyclopedia