Legal analysis: the binding between banks and platforms is generally safe. Firstly, the platform should have a formal payment license, and secondly, the platform adopts bank-level encryption calculation, so the security is also high.

Legal basis: Article 39 of the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests. Disputes over consumer rights and interests between consumers and business operators can be resolved through the following channels:

(a) negotiated settlement with the operator;

(2) Requesting consumers' associations or other mediation organizations established according to law to mediate;

(three) to complain to the relevant administrative departments;

(four) according to the arbitration agreement reached with the operator, submit it to an arbitration institution for arbitration;

(5) bring a lawsuit to the people's court.