Credit card prepayment refers to the need to pay by credit card before purchasing a certain product or service. This method can increase the security of the merchant's income, because after the prepayment, the merchant can immediately provide the goods or services to the customer without worrying about the customer being unable to pay. For customers, this approach may cause some inconvenience because they need to pay in advance, but it also guarantees receipt of the goods or services.

Credit card prepayments are often used for certain services or products, such as prepaid hotels or air tickets. In this case, customers can prepay to ensure that they get a firm price and are guaranteed to have accommodation or transportation while traveling. This can also help customers plan their travel and budget and avoid unexpected expenses.

For some small merchants, credit card prepayment can also be a way to ensure their own income. These merchants may not be able to bear the risks and delays in payment, so this prepayment method can help them increase the stability and assurance of their business processes. At the same time, for consumers, this prepayment method can also provide purchase convenience and guarantee, especially when purchasing some specific or high-value goods.