Domestic online payment enterprises are mainly composed of three types of models:
The first type is the gateway payment service dominated by the five major commercial banks, such as UnionPay. Financial background and business familiarity are the biggest advantages of this type of payment platform; the second type is the payment tools relying on large B2C and C2C websites, such as Alipay, which belongs to this non-independent parasitic form; the third type is the online third-party electronic payment platform, which has the characteristics of multiple payment methods such as online electronic payment, telephone payment, and mobile payment, and is growing and expanding rapidly. The development of the second type of model needs to rely on large e-commerce brands to operate. The first and third types of models have a good complementary relationship, that is, in addition to the gateway payment services dominated by the five major commercial banks, the rapid growth and expansion of online third-party electronic payment platforms such as online electronic payment, telephone payment, and mobile payment have formed a subtle complementary relationship with banks. With the introduction of government regulations and the possibility of industry mergers and reorganizations, the online third-party electronic payment market will face a big test.
At present, the domestic online third-party electronic payment tools are developing very rapidly. The main modes of online third-party electronic payment in e-commerce are: B2B, which refers to online trade between enterprises; C2C, which refers to online transactions between individuals; B2C, which refers to online transactions between enterprises and individuals. Among them, B2C is the most basic link. Without B2C, the ultimate development goal of B2B will be lost.