1: entrusted payment, also known as real-time bank withholding. 2. Real-time withholding, another meaning is that the bank regularly deducts and pays related fees and taxes from the card through the credit card or debit card entrusted by the user. 3. Counter payment generally refers to telephone banking, multimedia payment and bank auxiliary equipment. Real-time withholding, that is, once the payment is successful, write-off will be implemented. For example, the user pays the electricity fee through the bank, and the bank initiates an application for payment to the power supply department, and the power supply department writes off the account in real time.