What are the third-party QR code collection platforms?

Domestic third-party collection platforms include the following:

1, Alipay: One of the largest independent third-party payment platforms in China.

2. WeChat payment: Tencent payment business brand, the leading mobile payment brand in China.

3. UnionPay Online: It has a national unified payment platform.

4. Jingdong Payment: a cross-platform safe and convenient payment product developed by online banking under Jingdong Finance and launched for the mobile Internet market, which is compatible with mainstream environments such as PC, wireless terminal, POS machine, code payment and flash payment. 5. Quick money: the leading independent third-party payment enterprise in China.

6. Next wallet: the mobile payment client launched by Ping An.

7.Lacarra: a member of Legend Holdings and a leader in third-party payment.

8. Remittance to the World: Vice Chairman of the Network Payment Working Committee of the Payment and Clearing Association.

9.yeepay: Top 10 third-party payment platform, providing tailor-made industry solutions for digital entertainment, telecom mobile, administrative education, funds, FMCG, e-commerce logistics and many other industries.

10, unionpay commerce: ten third-party payment platforms, specializing in the construction of bank card acceptance market and providing comprehensive payment services.

The third-party payment platform itself is attached to a large portal website and depends on the credit of the bank it cooperates with. Therefore, the third-party payment platform can better break through the credit problem in online transactions and promote the rapid development of e-commerce. At present, the development of cross-border e-commerce also relies heavily on third-party payment platforms, because the settlement of cross-border e-commerce still needs third-party payment to complete.

The third-party payment platform has three advantages:

Cost advantage: The third-party payment platform reduces the cost of directly connecting banks to enterprises and institutions, and meets the payment needs of enterprises that focus on developing online business.

Competitive advantage: the third-party payment platform is interest-neutral, avoiding business competition with the served enterprises.

Innovative advantages: the personalized service of the third-party payment platform enables it to customize personalized payment and settlement services simultaneously according to the innovative business model of the serviced enterprise's market competition and business development.

The settlement payment mode of the third-party payment platform has the following advantages:

(1) is relatively safe. Credit card information or account information only needs to be informed to the payment intermediary, without informing every payee, which greatly reduces the risk of credit card information and account information being leaked;

(2) the payment cost is low, and the payment intermediary concentrates a large number of electronic small transactions, forming a scale effect, so the payment cost is low;

(3) Easy to use. For the payer, it is a friendly interface, without considering the complicated technical operation process behind it;

(4) Payment guarantee business can protect the interests of the payer to a great extent.

The settlement payment mode of the third-party payment platform has the following shortcomings:

(1) This is a payment method of the virtual payment layer, and other "actual payment methods" are needed to complete the operation of the actual payment layer;

(2) The payer's bank card information will be exposed to the third-party payment platform. If the third-party payment platform has poor credit or confidentiality, it will bring related risks to the payer;

(3) The legal status of the third-party settlement payment intermediary is not stipulated. Once the bankruptcy is over, the "electronic money" purchased by consumers may become bankruptcy claims and cannot be guaranteed;