Third-party payment prevents merchants from seeing customers' credit card information, and at the same time avoids credit card theft caused by repeated public dissemination of credit card information on the network. The general operation mode of third-party payment is:

1. Consumers choose goods on e-commerce websites and finally decide to buy them. Buyers and sellers reach a trading intention online.

2. Consumers choose to use the third-party payment platform as a transaction intermediary, transfer the payment to the third-party account by debit card or credit card, and set the delivery period.

3. The third-party payment platform informs the merchant that the consumer's payment has arrived, and requires the merchant to deliver the goods within the specified time.

4. The merchant delivers the goods according to the order after receiving the notice that the consumer has paid, and makes corresponding records on the website, so that the consumer can check the status of the goods he has purchased on the website; If the merchant fails to deliver the goods, the third-party payment platform will inform the customer that the transaction failed and ask whether to transfer the payment back to his account or temporarily store it on the payment platform.

5. After the consumer receives the goods and confirms satisfaction, notify the third-party payment platform. If the consumer is dissatisfied with the goods, or thinks that it is different from the promises of the merchants, he can inform the third-party payment platform to refuse to pay for the goods and return the goods to the merchants.

6. When the consumer is satisfied, the third-party payment platform transfers the payment to the merchant account, and the transaction is completed; If the consumer is not satisfied with the goods, the third-party payment platform will transfer the goods back to the consumer's account or temporarily store them in the third-party account to wait for the payment of the next transaction.

Extended data

Train ticket refund method:

1, the full fare can be refunded before the train leaves the station, or within two hours after the train leaves the station under special circumstances; Group passengers must return their connecting tickets and round-trip tickets when driving at the place where tickets are purchased, and they must do so five days before the departure of the train at the turn-back or transfer place. When returning unused tickets at the turn-back place or transit place, it shall be handled in accordance with item 1 of this article.

2. Passengers can't refund their tickets after they start to travel. However, if they are unable to continue traveling due to injury or illness, the difference between the received fare and the already traveled fare can be refunded after confirmation by the midway station and the train. When the passenger interval is less than the minimum mileage, it is calculated according to the minimum mileage, and the same is true for peers.

3. When returning the ticket stamped with the word "OK", you should go through the formalities of baggage change first.

4. Platform tickets are non-refundable. The methods for refunding suburban tickets, fixed tickets and fixed tickets shall be determined by railway transport enterprises.

References:

Baidu encyclopedia-third party electronic payment platform

References:

Baidu encyclopedia-train ticket refund