advantages: among the online payment modes of credit cards, SSL mode is the simplest mode; The authentication process is relatively simple, the processing speed is fast and the cost is low; The payer only needs to enter the card number, expiration date, name and other information after purchasing the goods to complete the payment immediately.

Disadvantages: the payer's credit card information is transmitted to the merchant first, and then forwarded to the bank, and the payer cannot confirm that the merchant can keep his relevant information confidential; It can only provide mutual authentication between the client and the server in the transaction. In the electronic transaction involving many parties, SSL protocol cannot coordinate the secure transmission and trust relationship between all parties. Therefore, it is impossible to meet the "non-repudiation" requirement of electronic payment.

SSL is designed to ensure the confidentiality of Internet information transmission, and it is not a technology specially used for electronic payment. Through SSL, when a consumer browses the information of a merchant's page, his client's browser exchanges information with the merchant's server through an encrypted secure channel, and a third party cannot restore the encrypted data into plaintext by eavesdropping. Similarly, the consumer's credit card authorization information will also be transmitted in a secure channel.

1. Online payment refers to a business that banks provide online fund settlement services for sellers and buyers when they conduct transactions through e-commerce websites on the Internet. It provides a safe, fast and convenient e-commerce application environment and online fund settlement tool for enterprises and individuals. Online payment not only helps enterprises to collect sales money quickly and shorten the collection period, but also provides online consumption payment settlement methods for personal online banking customers, so that customers can really shop online without leaving home.

2. Online payment is a payment method through the payment interface provided by the third party with the bank. The advantage of this method is that the funds can be directly transferred from the user's bank card to the website account, and the remittance will arrive immediately without manual confirmation. The biggest difference from bank transfer [including online personal bank transfer or cash transfer at the bank counter] is that the advance payment can be automatically confirmed.