Credit card payment refers to the online credit card system. You don't need to log in to online banking, and you don't need to enter a credit card password. You only need the last three digits of the card number, expiration date and signature column to deduct the money. According to the different types of website registration, there will generally be consumption points. This system is very common in foreign websites, and only some large websites in China will provide it.
If you are asking about the difference between Alipay, because Alipay sets different payment limits for credit cards and savings cards, you should choose whether to pay by credit card or savings card before choosing express payment or online banking.