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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。$ w7 t. S6 |6 Y! r. ^: v% X. n% D. x
( c" V- D" C4 j- F, ~0 A让我从头帮你理一理，做个简明易懂的解释。5 b+ }8 K- M0 }1 Y9 y
& T6 V% U+ B5 }6 q- ]* g
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。) o$ |1 V+ {% x1 `) d
. r& K# S3 K7 {# J% D; O |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。
# ?! Z) \6 t" w/ U) U1 n- U# }
. f% P4 C ~! W7 F2，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。. {! U- v9 R* p" D7 n4 C
& d% Y+ o% E7 i: m" o. d( @! Q
3，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。
# v+ V% P" I$ L1 H( t2 S( i
& l: x1 t8 _ k1 n4，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。4 p: j% M7 h/ j# J9 _4 O4 ~7 C. [: y
$ q L# J( K% V& b5 c: d% e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。
) E& L3 L. y7 z) r% y |
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