Credit card prepayment means that the user directly delivers the money to the other party for business services. Credit card prepayment means that the funds are temporarily frozen and there is no substantial consumption, which is equivalent to paying a deposit for consumption; Prepayment settlement is a settlement method of paying money in advance for services or products that are allowed to be provided.

Not all POS machines can do credit card pre-authorization transactions, and UnionPay only allows a few industries such as hotels and car rentals to open this function. However, prepayment settlement is a process of transfer and capital outflow.