Card-by-card payment means payment by credit card. Credit card payment is also a payment method. It means that you can use a credit card to pay in advance, but you have paid the credit limit in the credit card in advance. At the end of the month or within a certain period of time, you should return the amount credited to the bank. , in such a triangle relationship, it is completely okay for you to use a credit card to deliver. This is a legal method.

1. The four methods of credit card payment are as follows: Credit card payment without security measures: The basic process of credit card payment without security measures is: the consumer places an order with the merchant, and the credit card information is sent via telephone, fax, etc. Network transmission, but without security measures. Merchants and banks use their existing authorization to check the legitimacy of the credit card. Insecurity includes two aspects: one is the unsafe transmission of credit card information, and the other is that merchants may not receive payment after payment. Payment through a third-party broker: Payment through a third-party trusted by both parties; credit card information will not be transmitted multiple times on the open network, and buyers can open third-party accounts offline, so buyers have no risk of credit card information being stolen; sellers Trust the third party, so the seller has no risk; the buyer and the seller obtain some agreement from the third party in advance, that is, the buyer opens an account with the third party and the seller becomes the third party's special merchant. This method has higher requirements on the fairness, reputation and operational standards of the third-party agent, and the main risks are borne by the third-party agent. Although this method improves the security of payment, the payment efficiency is still low and the cost is high. It is also a transitional method of using credit cards for payment and settlement in the early stages of e-commerce development.

2. Simple credit card encrypted payment: When paying with a simple encrypted credit card, when the buyer enters the credit card information in a browser window or other e-commerce device, the credit card information is simply encrypted and transmitted securely. . The buyer provides encrypted information to the seller over the Internet. Setup Credit Card Payment: Setup is short for Secure Electronic Transactions. It is an open electronic payment protocol standard based on electronic money established for online transactions on the Internet. The collection of security measures mainly includes: symmetric key system, public key system, message digest, digital signature, digital envelope, double signature, authentication and other technologies.

3. Credit card payment means choosing the credit card payment method when paying. There are three credit card payment methods: POS card, telephone payment and online payment. POS card swiping is the same as ordinary bank cards. Used for UnionPay card swiping machines. Online payment requires entering card number, validity period, name, verification code and other information. The other is overseas credit card payment. Overseas credit card payment refers to the use of credit card payment in areas outside the mainland of the People's Republic of China, including Hong Kong, Macau, Taiwan and other countries. Overseas payments are subject to a handling fee. Generally speaking, in the bills paid by cardholders for overseas card consumption, the card fee is usually between 3 and 4. Among them, international card organizations such as Visa or MasterCard charge international transaction fees to the card issuers, ranging from 1 to 1.5 per transaction. Although it is collected from the bank, this fee is actually borne by the cardholder; in addition, the bank will also charge a handling fee or exchange fee, ranging from 1 to 2.