Legal analysis: According to current regulatory regulations, institutions qualified to carry out collection and payment services include banking financial institutions and payment institutions that have obtained a "Payment Business License", and the business scope of payment institutions should include Corresponding business scopes include online payment, prepaid card issuance and acceptance, or bank card acquiring. The agency collection and payment business generally refers to the business in which commercial banks use their own settlement facilities to accept entrustment from customers to handle the collection and payment of specified amounts. However, at present, most e-commerce platforms do not have the qualifications to hold a license. Therefore, it is illegal to conduct collection and payment services, and in serious cases, it may be suspected of illegal business crimes.

Legal basis: Article 225 of the "Criminal Law of the People's Republic of China" The following fixed-term imprisonment or criminal detention, and concurrently or solely a fine of not less than one time but not more than five times the illegal income, shall be imposed; if the circumstances are particularly serious, the sentence shall be not less than five years of fixed-term imprisonment and concurrently fined not less than one time but not more than five times the illegal income, or property confiscation:

(1) Operating special items or other restricted items as prescribed by laws and administrative regulations without permission;

(2) Buying and selling import and export licenses, import and export origins Certificates and other business licenses or approval documents stipulated in laws and administrative regulations;

(3) Illegal operations of securities, futures, and insurance businesses without approval from relevant national competent authorities, or illegal fund payment and settlement Business;

(4) Other illegal business activities that seriously disrupt market order.