Non-3D payment channels can be divided into: (1) real-time channels: systematic control of the whole payment process, timely information feedback, instant knowledge of payment results and good user experience. (2) Delay channel: In addition to the screening of the risk control system, the order needs to be manually reviewed by the specialist, and the processing time is completed within 24 hours, resulting in a slightly poor user experience. The essential difference between non-3D real-time channel and non-3D delay channel lies in whether there is manual review of orders. (3) Real-time+delay dual channel (the only online payment company in Shuangganyi): the non-3D real-time channel and the non-3D delay channel are combined, and the characteristics of timely feedback of non-3D real-time channel information and review of orders by the non-3D delay channel specialist are integrated into one system, which can be automatically converted for secondary payment. It is equivalent to an order can go in both directions, which greatly improves the order conversion rate.