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Advantages and Disadvantages of Third Party Payment Method and Traditional Payment Method

With the rapid development of China's Internet and e-commerce, e-payment has attracted more and more attention and its market scale is expanding. Third-party payment mode has gradually become the most widely used payment form in e-commerce due to its advantages of safety, stability and quickness, among which Alipay and WeChat are the most common. How to correctly recognize the advantages and disadvantages of the new payment method and continuously improve the payment method in daily application is an important issue for relevant departments and enterprises to study. This paper expounds the background, development, advantages and disadvantages of third-party payment. Finally, it analyzes the development prospect of third-party payment and puts forward several strategies to optimize the application of third-party payment. The purpose of this study is to clarify the advantages and disadvantages of the third-party payment method and the traditional payment method, and to provide some reference for the effective application of third-party payment.