Apple's payment system needs to be connected with American financial institutions to ensure the smooth and safe payment process, which reflects the common payment problems in transnational e-commerce. There are differences in bank card systems, payment habits and security standards in different countries and regions. In cross-border transactions, it is necessary to provide bank card information that meets local payment regulations.

in the case of apple, in order to purchase and recharge on the iTunesStore and AppStore platforms in the United States, users must provide American bank card information to ensure the legality and security of the transaction.