Online shopping, online banking or fast payment? Is everything safe? What's the difference

Express payment and online banking payment are both payment methods of Alipay, and they are also the process after the money arrives at Alipay: they all go to the guarantee account first, and then transfer it to the seller after confirming the receipt. The difference is that fast payment can basically be opened with a card. As long as Alipay pays the password, it is more convenient without online banking, but the security is lower than online banking.

Online banking payment needs to go to the bank to open a payment version of online banking. When paying, you must log in to online banking. Even if people break Alipay, they can't enter online banking. Security is available, but it is more troublesome. In addition, there is a risk of being fished when the page jumps.

These two methods have their own advantages and are irrelevant. Although Alipay has achieved the ultimate in security, such as mobile phone verification code, digital certificate and other fast payment. It is inevitable to leave loopholes to ensure convenience. Alipay accounts have been stolen from time to time, but it is rare to hear that "online banking has been stolen".