1, payment gateway mode
The third-party payment platform integrates a variety of bank card payment methods into one interface, which serves as the interface between all parties to e-commerce transactions and banks and is responsible for docking with banks in transaction settlement. Consumers pay merchants through the third-party payment platform, which provides merchants with an interface platform compatible with various bank payment methods.
2. Credit intermediary model
In order to enhance the trust of both parties in online transactions and better ensure the circulation of funds and commodities, the third-party payment service as a credit intermediary came into being, and implemented "collection and payment on behalf of" and "credit guarantee".
After the two parties reach a transaction intention, the buyer must first deposit the payment into his account on the payment platform. After the buyer receives the goods and notifies the payment platform, the payment platform will transfer the money previously deposited by the buyer from the buyer's account to the seller's account on the payment platform. The essence of this model is to use the payment company as a credit intermediary to temporarily keep the payment on behalf of the buyer and the seller until the buyer confirms the receipt of the goods.
Extended data
The profit model of "third-party payment" mainly comes from four parts, and the collection fee, interest on reserve funds, prepaid cards and platform establishment bring potential benefits. A handling fee of 0.08%-0.22% of the transaction amount is charged for the acquiring business; As an auxiliary currency, prepaid cards lock in future income in advance, and consumers get a certain rebate;
Interest income can be obtained from the reserve fund of a third-party company; At the beginning, the platform company took profit as the goal, focusing on customer accumulation, customer demand, customer stickiness and other indicators, in order to enhance the potential value of the platform. Virtual account is the core of online Internet payment and one of the main profit models of third-party payment institutions.
China Industrial Information Network-Analysis of the Profit Model of the Third Party Online Payment Industry
Business Model Analysis of China Industrial Information Network-Third Party Internet Payment Industry