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第一方支付、第二方支付？第三方支付？第四方支付？这些支付家族的老大老二老三老四四兄弟，让人傻傻分不清。
6 j5 k( h) N8 Y4 p3 O/ s/ n2 _" K9 @4 U7 M4 `, z
让我从头帮你理一理，做个简明易懂的解释。) i: |/ T- l( T2 q$ j, g
& g( @! O" |/ Z# M2 Z9 Q什么是支付？ 支付又称付出、付给，多用来指付款，是发生在购买者和销售者之间的金融交换，是社会经济活动所引起的货币债权转移的过程。支付包括交易、清算和结算。
+ H+ ]8 ^$ x: Z! m1 o! r1 x$ t7 s
1，第一方支付：拿钱到商家买东西，你要说原始时代以物易物这个过程，也算第一方支付，在原理上也没有问题。' }2 D% h( I; z) I" s
2 o. x# B+ A9 g; ?, N, z2，第二方支付：你通过银行转账给别人的交易过程，比如汇款，这叫第二方支付，发现没有？你和他人交易的过程中多了一个银行角色，如果是在古代，用汇票，经过钱庄交易。
( F) H+ p) w' Y
% e2 \2 T) S! y) b6 E. \4 X! o3，第三方支付：你买东西，把钱先打到第三方账号，收货验货确认后，第三方再把钱打给商家，第三方起连接和保障作用。是不是很熟悉？最早这样搞的是支付宝，也是现在网上购物交易的标准流程。( @" h; B# K$ w
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4，第四方支付：也叫聚合支付，它集合了各个第三方支付及多种支付渠道，能够根据商户的需求进行个性化定制，形成支付通道资源互补优势，满足商户需求，提供适合商户的支付解决方案。换句话说，第四方支付就是对于第三方支付的一个信息的整合。
( M& v! w- p/ e# K0 z
* @) W3 `: Q9 q9 j o都理清了吗，我们熟悉的BC公司支付方式，大部分用的是第四方聚合支付。
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我们生活中接触的，基本都是第三方。 |
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