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class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> 未登录编辑者的页面 <a href="/wiki/Help:%E6%96%B0%E6%89%8B%E5%85%A5%E9%97%A8" aria-label="了解有关编辑的更多信息"><span>了解详情</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/Special:%E6%88%91%E7%9A%84%E8%B4%A1%E7%8C%AE" title="来自此IP地址的编辑列表[y]" accesskey="y"><span>贡献</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Special:%E6%88%91%E7%9A%84%E8%AE%A8%E8%AE%BA%E9%A1%B5" title="对于来自此IP地址编辑的讨论[n]" accesskey="n"><span>讨论</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="站点"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="目录" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">目录</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">移至侧栏</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">隐藏</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">序言</div> </a> </li> <li id="toc-優點及風險" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#優點及風險"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>優點及風險</span> </div> </a> <ul id="toc-優點及風險-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-各國及地区法規" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#各國及地区法規"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>各國及地区法規</span> </div> </a> <button aria-controls="toc-各國及地区法規-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>开关各國及地区法規子章节</span> </button> <ul id="toc-各國及地区法規-sublist" class="vector-toc-list"> <li id="toc-中国大陆" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#中国大陆"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.1</span> <span>中国大陆</span> </div> </a> <ul id="toc-中国大陆-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-香港" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#香港"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.2</span> <span>香港</span> </div> </a> <ul id="toc-香港-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-台湾" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#台湾"> <div class="vector-toc-text"> <span class="vector-toc-numb">2.3</span> <span>台湾</span> </div> </a> <ul id="toc-台湾-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-實例" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#實例"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>實例</span> </div> </a> <button aria-controls="toc-實例-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>开关實例子章节</span> </button> <ul id="toc-實例-sublist" class="vector-toc-list"> <li id="toc-主流" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#主流"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.1</span> <span>主流</span> </div> </a> <ul id="toc-主流-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-其他" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#其他"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.2</span> <span>其他</span> </div> </a> <ul id="toc-其他-sublist" class="vector-toc-list"> <li id="toc-荷蘭第三方支付" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#荷蘭第三方支付"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.2.1</span> <span>荷蘭第三方支付</span> </div> </a> <ul id="toc-荷蘭第三方支付-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-台灣第三方支付" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#台灣第三方支付"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.2.2</span> <span>台灣第三方支付</span> </div> </a> <ul id="toc-台灣第三方支付-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> </ul> </li> <li id="toc-参见" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#参见"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>参见</span> </div> </a> <ul id="toc-参见-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-参考资料" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#参考资料"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>参考资料</span> </div> </a> <ul id="toc-参考资料-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="目录" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="开关目录" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">开关目录</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">第三方支付</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="这篇条目只存在于此语言中。添加其他语言的条目" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-0" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">添加语言</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> <div class="after-portlet after-portlet-lang"><span class="uls-after-portlet-link"></span><span class="wb-langlinks-add wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q18657799#sitelinks-wikipedia" title="添加跨语言链接" class="wbc-editpage">添加链接</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="命名空间"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" title="浏览条目正文[c]" accesskey="c"><span>条目</span></a></li><li id="ca-talk" class="vector-tab-noicon mw-list-item"><a href="/wiki/Talk:%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" rel="discussion" title="关于此页面的讨论[t]" accesskey="t"><span>讨论</span></a></li> </ul> </div> </div> <div id="vector-variants-dropdown" class="vector-dropdown " > <input type="checkbox" id="vector-variants-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-variants-dropdown" class="vector-dropdown-checkbox " aria-label="更改语言变体" > <label id="vector-variants-dropdown-label" for="vector-variants-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">不转换</span> </label> <div class="vector-dropdown-content"> <div id="p-variants" class="vector-menu mw-portlet mw-portlet-variants" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-varlang-0" class="selected ca-variants-zh mw-list-item"><a href="/zh/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh" hreflang="zh"><span>不转换</span></a></li><li id="ca-varlang-1" class="ca-variants-zh-Hans mw-list-item"><a href="/zh-hans/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hans" hreflang="zh-Hans"><span>简体</span></a></li><li id="ca-varlang-2" class="ca-variants-zh-Hant mw-list-item"><a href="/zh-hant/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hant" hreflang="zh-Hant"><span>繁體</span></a></li><li id="ca-varlang-3" class="ca-variants-zh-Hans-CN mw-list-item"><a href="/zh-cn/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hans-CN" hreflang="zh-Hans-CN"><span>大陆简体</span></a></li><li id="ca-varlang-4" class="ca-variants-zh-Hant-HK mw-list-item"><a href="/zh-hk/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hant-HK" hreflang="zh-Hant-HK"><span>香港繁體</span></a></li><li id="ca-varlang-5" class="ca-variants-zh-Hant-MO mw-list-item"><a href="/zh-mo/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hant-MO" hreflang="zh-Hant-MO"><span>澳門繁體</span></a></li><li id="ca-varlang-6" class="ca-variants-zh-Hans-MY mw-list-item"><a href="/zh-my/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hans-MY" hreflang="zh-Hans-MY"><span>大马简体</span></a></li><li id="ca-varlang-7" class="ca-variants-zh-Hans-SG mw-list-item"><a href="/zh-sg/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hans-SG" hreflang="zh-Hans-SG"><span>新加坡简体</span></a></li><li id="ca-varlang-8" class="ca-variants-zh-Hant-TW mw-list-item"><a href="/zh-tw/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" lang="zh-Hant-TW" hreflang="zh-Hant-TW"><span>臺灣正體</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> <div id="right-navigation" class="vector-collapsible"> <nav aria-label="查看"> <div id="p-views" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-views" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-view" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98"><span>阅读</span></a></li><li id="ca-edit" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit" title="编辑该页面[e]" accesskey="e"><span>编辑</span></a></li><li id="ca-history" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=history" title="本页面的早前版本。[h]" accesskey="h"><span>查看历史</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="页面工具"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="工具" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">工具</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-tools-unpinned-container" class="vector-unpinned-container"> <div id="vector-page-tools" class="vector-page-tools vector-pinnable-element"> <div class="vector-pinnable-header vector-page-tools-pinnable-header vector-pinnable-header-unpinned" data-feature-name="page-tools-pinned" data-pinnable-element-id="vector-page-tools" data-pinned-container-id="vector-page-tools-pinned-container" data-unpinned-container-id="vector-page-tools-unpinned-container" > <div class="vector-pinnable-header-label">工具</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-page-tools.pin">移至侧栏</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-page-tools.unpin">隐藏</button> </div> <div id="p-cactions" class="vector-menu mw-portlet mw-portlet-cactions emptyPortlet vector-has-collapsible-items" title="更多选项" > <div class="vector-menu-heading"> 操作 </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-more-view" class="selected vector-more-collapsible-item mw-list-item"><a href="/wiki/%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98"><span>阅读</span></a></li><li id="ca-more-edit" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit" title="编辑该页面[e]" accesskey="e"><span>编辑</span></a></li><li id="ca-more-history" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=history"><span>查看历史</span></a></li> </ul> </div> </div> <div id="p-tb" class="vector-menu mw-portlet 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data-mw-deduplicate="TemplateStyles:r83732972">.mw-parser-output .ambox{border:1px solid #a2a9b1;border-left:10px solid #36c;background-color:#fbfbfb;box-sizing:border-box}.mw-parser-output .ambox+link+.ambox,.mw-parser-output .ambox+link+style+.ambox,.mw-parser-output .ambox+link+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+style+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+link+.ambox{margin-top:-1px}html body.mediawiki .mw-parser-output .ambox.mbox-small-left{margin:4px 1em 4px 0;overflow:hidden;width:238px;border-collapse:collapse;font-size:88%;line-height:1.25em}.mw-parser-output .ambox-speedy{border-left:10px solid #b32424;background-color:#fee7e6}.mw-parser-output .ambox-delete{border-left:10px solid #b32424}.mw-parser-output .ambox-content{border-left:10px solid #f28500}.mw-parser-output .ambox-style{border-left:10px solid #fc3}.mw-parser-output .ambox-move{border-left:10px solid #9932cc}.mw-parser-output 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.ambox-move{border-left-color:#9932cc!important}html.skin-theme-clientpref-os .mw-parser-output .ambox-protection{border-left-color:#a2a9b1!important}}</style><table class="box-Expand plainlinks metadata ambox ambox-style" role="presentation"><tbody><tr><td class="mbox-image"><div style="width:52px"><span typeof="mw:File"><a href="/wiki/File:Antistub.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Antistub.svg/44px-Antistub.svg.png" decoding="async" width="44" height="44" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Antistub.svg/66px-Antistub.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Antistub.svg/88px-Antistub.svg.png 2x" data-file-width="200" data-file-height="200" /></a></span></div></td><td class="mbox-text"><div class="mbox-text-span">此條目<b>需要擴充。</b><span class="hide-when-compact"></span> <small class="date-container"><i>(<span class="date">2014年9月3日</span>)</i></small><span class="hide-when-compact"><br /><small>请協助<a class="external text" href="https://zh.wikipedia.org/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit">改善这篇條目</a>，更進一步的信息可能會在<a href="/wiki/Talk:%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98" title="Talk:第三方支付">討論頁</a>或<a href="/wiki/Wikipedia:%E6%89%A9%E5%85%85%E8%AF%B7%E6%B1%82" title="Wikipedia:扩充请求">扩充请求</a>中找到。请在擴充條目後將此模板移除。</small></span><span class="hide-when-compact"></span></div></td></tr></tbody></table> <p><b>第三方支付</b>指的是由第三方業者居中於買賣家之間進行收付款作業的交易方式。所謂的第三方可分為<span class="ilh-all" data-orig-title="Payment_service_provider payment service provider" data-lang-code="en" data-lang-name="英语" data-foreign-title="Payment_service_provider payment service provider"><span class="ilh-page"><a href="/w/index.php?title=Payment_service_provider_payment_service_provider&action=edit&redlink=1" class="new" title="Payment service provider payment service provider（页面不存在）">支付代行者</a></span><span class="noprint ilh-comment">（<span class="ilh-lang">英语</span><span class="ilh-colon">：</span><span class="ilh-link"><a href="https://en.wikipedia.org/wiki/Payment_service_provider_payment_service_provider" class="extiw" title="en:Payment service provider payment service provider"><span lang="en" dir="auto">Payment_service_provider payment service provider</span></a></span>）</span></span>和<a href="/wiki/%E6%94%AF%E4%BB%98%E6%9C%8D%E5%8A%A1%E6%8F%90%E4%BE%9B%E5%95%86" title="支付服务提供商">支付服务提供商</a>兩種類型。於2018年時已有<span class="ilh-all" data-orig-title="眾多服务方" data-lang-code="en" data-lang-name="英语" data-foreign-title="List_of_online_payment_service_providers"><span class="ilh-page"><a href="/w/index.php?title=%E7%9C%BE%E5%A4%9A%E6%9C%8D%E5%8A%A1%E6%96%B9&action=edit&redlink=1" class="new" title="眾多服务方（页面不存在）">眾多服务方</a></span><span class="noprint ilh-comment">（<span class="ilh-lang">英语</span><span class="ilh-colon">：</span><span class="ilh-link"><a href="https://en.wikipedia.org/wiki/List_of_online_payment_service_providers" class="extiw" title="en:List of online payment service providers"><span lang="en" dir="auto">List_of_online_payment_service_providers</span></a></span>）</span></span>可供選擇。雖然基本的運作原理相仿，但各服务方的交易模式有所不同。在中國從事第三方支付業務必須申請第三方支付牌照，即支付業務許可證。 </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="優點及風險"><span id=".E5.84.AA.E9.BB.9E.E5.8F.8A.E9.A2.A8.E9.9A.AA"></span>優點及風險</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=1" title="编辑章节：優點及風險"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>優點： </p> <ul><li>方便、快速，提供個人化账務管理。</li> <li>提供交易擔保（確認收到賣方的商品後，再請第三方支付業者付款），可防堵詐騙及減少消費紛爭。</li> <li>減少個人資料外洩風險。<sup id="cite_ref-:0_1-0" class="reference"><a href="#cite_note-:0-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup></li></ul> <p>風險： </p> <ul><li>成為駭客覬覦對象，造成消費者損失。</li> <li>消費者資金遭不肖業者挪用或惡意倒閉，衍生索償窘境。</li> <li>淪為犯罪洗錢温床，成為洗錢防制漏洞。</li></ul> <div class="mw-heading mw-heading2"><h2 id="各國及地区法規"><span id=".E5.90.84.E5.9C.8B.E5.8F.8A.E5.9C.B0.E5.8C.BA.E6.B3.95.E8.A6.8F"></span>各國及地区法規</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=2" title="编辑章节：各國及地区法規"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="中国大陆"><span id=".E4.B8.AD.E5.9B.BD.E5.A4.A7.E9.99.86"></span>中国大陆</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=3" title="编辑章节：中国大陆"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/%E4%B8%AD%E5%9B%BD%E4%BA%BA%E6%B0%91%E9%93%B6%E8%A1%8C" title="中国人民银行">中国人民银行</a>所頒佈的《<a href="/wiki/%E9%9D%9E%E9%93%B6%E8%A1%8C%E6%94%AF%E4%BB%98%E6%9C%BA%E6%9E%84%E7%BD%91%E7%BB%9C%E6%94%AF%E4%BB%98%E4%B8%9A%E5%8A%A1%E7%AE%A1%E7%90%86%E5%8A%9E%E6%B3%95" title="非银行支付机构网络支付业务管理办法">非银行支付机构网络支付业务管理办法</a>》中对第三方支付运营机构的定义为：办理互联网支付、移动电话支付、固定电话支付、数字电视支付等网络支付业务的非银行机构。第三方支付被称为网络支付业务，是指收款人或付款人通过计算机、移动终端等电子设备，依托公共网络信息系统远程发起支付指令，且付款人电子设备不与收款人特定专属设备交互，由支付机构为收付款人提供货币资金转移服务的活动。 </p> <div class="mw-heading mw-heading3"><h3 id="香港"><span id=".E9.A6.99.E6.B8.AF"></span>香港</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=4" title="编辑章节：香港"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>香港主要使用八達通咭，為第三方支付，八達通公司由本港主要公共交通營運商成立，包括九廣鐵路公司，地下鐵路公司，九龍巴士，城巴，油麻地小輪。市民不須記名購買，用以乘搭該等營運商的交通服務，價格為港幣150元,其中50元為押金，可支付超出面值金額一次；其中100元面值金額可用於交通工具（包括部份的士），便利店，超市及連鎖式餐廳。可於鐵路站，便利店，及超市增值，以100元為單位，上限為1000元。 </p> <div class="mw-heading mw-heading3"><h3 id="台湾"><span id=".E5.8F.B0.E6.B9.BE"></span>台湾</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=5" title="编辑章节：台湾"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>台灣普遍被定義為是為了解決「雙方契約無法同時履行」且「缺乏信任基礎」的買賣，而衍生出來的支付方式。2009年1月23日「電子票證發行管理條例」公告施行，但為因應實務運作，於2015年4月23日廢止「銀行發行現金儲值卡許可及管理辦法」，並於2015年6月24日大幅修正「電子票證發行管理條例」，總共修正14條、新增3條、刪除1條，並於公告日施行<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup>。 <a href="/wiki/%E4%B8%AD%E8%8F%AF%E6%B0%91%E5%9C%8B%E9%87%91%E8%9E%8D%E7%9B%A3%E7%9D%A3%E7%AE%A1%E7%90%86%E5%A7%94%E5%93%A1%E6%9C%83" title="中華民國金融監督管理委員會">金管會</a>於2015年5月3日確認實施《電子支付機構管理條例》<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup>，為台灣繼電子票證發行管理條例之後，第二個針對非金融業者從事電子支付的管理條例，條例中明定電子支付機構是指以網路或電子支付平臺為中介，接受使用者註冊及開立記錄資金移轉與儲值情形之帳戶（以下簡稱電子支付帳戶），並利用電子設備以連線方式傳遞收付訊息，於付款方及收款方間經營下列業務之公司<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup>。不過在管理條例中並未明定暫停支付或是價金保管機制於支付中的必要性，業者可以自行設計暫停支付的機制，或是與銀行合作利用既有的價金保管機制，提供消費者網路購物的保障。 </p><p>2018年底金融監督管理委員會表示研擬將電子支付機構管理條例及電子票證發行管理條例合併成「電子支付法」，同時將第三方支付業務納入同一法規管理。<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="實例"><span id=".E5.AF.A6.E4.BE.8B"></span>實例</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=6" title="编辑章节：實例"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="主流"><span id=".E4.B8.BB.E6.B5.81"></span>主流</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=7" title="编辑章节：主流"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/PayPal" class="mw-redirect" title="PayPal">PayPal</a>於1998年12月成立，2002被<a href="/wiki/Ebay" class="mw-redirect" title="Ebay">ebay</a>併購後亦成為ebay的主要支付管道，後因合併效益不如預期在2015年6月27日正式脫離eBay，而PayPal股票將於同年7月20日以以PYPL的股票代碼交易在納斯達克交易所掛牌上市。</li></ul> <ul><li><a href="/wiki/%E6%94%AF%E4%BB%98%E5%AF%B6" class="mw-redirect" title="支付寶">支付寶</a>於2004年12月成立，最初是為了解決<a href="/wiki/%E6%B7%98%E5%AE%9D%E7%BD%91" title="淘宝网">淘寶網</a>交易安全所設的一個功能，其模式類似PayPal。目前是中國市佔率最高且市占率近半的支付服務公司，自2007年起陸續進入海外市場。</li></ul> <ul><li><a href="/wiki/%E5%BE%AE%E4%BF%A1%E6%94%AF%E4%BB%98" title="微信支付">微信支付</a>於2014年3月4日完成內部測試並對外開放，最初是為了解決小額行動支付的一個功能，取代現金零錢功能。目前，其运营商<a href="/wiki/%E8%B4%A2%E4%BB%98%E9%80%9A" title="财付通">财付通</a>是中國市佔率最高的小額支付服務公司，成為<a href="/wiki/%E4%B8%AD%E5%9B%BD%E5%A4%A7%E9%99%86" title="中国大陆">中国大陆</a>游客海外旅遊主要支付工具之一。</li></ul> <div class="mw-heading mw-heading3"><h3 id="其他"><span id=".E5.85.B6.E4.BB.96"></span>其他</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=8" title="编辑章节：其他"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading4"><h4 id="荷蘭第三方支付"><span id=".E8.8D.B7.E8.98.AD.E7.AC.AC.E4.B8.89.E6.96.B9.E6.94.AF.E4.BB.98"></span>荷蘭第三方支付</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=9" title="编辑章节：荷蘭第三方支付"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>荷蘭公司需要取得國家核發的執照才可營業，電商透過廠商提供API（Application Programming Interface，簡稱：API）來進行系統串接，第三方支付服務公司通常維持獨立運作，不會屬於任何銀行或是任何電商本身。消費者不用在電商網站上留下任何銀行或信用卡資料，而是由第三方支付服務公司提供獨立平台來串接電商、消費者以及收款機購如銀行或信用卡公司。通常沒有提供代收代付的儲值功能，也無需提供網路交易雙方的支付與出貨擔保。<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading4"><h4 id="台灣第三方支付"><span id=".E5.8F.B0.E7.81.A3.E7.AC.AC.E4.B8.89.E6.96.B9.E6.94.AF.E4.BB.98"></span>台灣第三方支付</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=10" title="编辑章节：台灣第三方支付"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>台灣最早的第三方支付可追溯至1990年代末期相繼成立的紅綠藍三間公司，分別是1996年綠界科技、1998年紅陽科技、2000年藍新科技<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup>。上述業者提供電子商務網站建置服務，以及所需的代收代付金流機制，讓商戶免於一家一家地找銀行簽訂刷卡收單合約。 </p><p>2006年，<a href="/wiki/%E4%B8%AD%E8%8F%AF%E9%9B%BB%E8%A6%96%E5%85%AC%E5%8F%B8" title="中華電視公司">中華電視公司</a>成立的華視網路商城，推出第三方支付首推交易安全保護機制，消費者的款項在賣家完全提供產品後才會交給店家，取名100safe機制，由全球聯網建置。<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p><p>受到金融法規影響，早期第三方支付推行過程常受到限制，如藍新科技的ezPay個人帳房在2006年遭<a href="/wiki/%E9%87%91%E7%AE%A1%E6%9C%83" class="mw-redirect" title="金管會">金管會</a>停止服務<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup>，Paypal也因法規影響選擇離開台灣市場。近年在時代趨勢、業者請求等影響下政府態度漸趨開放，目前實體及虛擬的第三方支付相關法律有 2013年所頒佈的《電子票證發行管理條例》<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup>，以及在104年5月3日替非金融業者也能從事網路儲值支付的《電子支付機構管理條例》<sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup>。 </p><p>目前金管會同意辦理網路交易代收代付服務之銀行，計有<a href="/wiki/%E4%B8%AD%E5%9C%8B%E4%BF%A1%E8%A8%97%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C" title="中國信託商業銀行">中國信託商業銀行</a>、<a href="/wiki/%E7%AC%AC%E4%B8%80%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C" title="第一商業銀行">第一商業銀行</a>、<a href="/wiki/%E7%8E%89%E5%B1%B1%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C" title="玉山商業銀行">玉山商業銀行</a>、<a href="/wiki/%E6%B0%B8%E8%B1%90%E5%95%86%E6%A5%AD%E9%8A%80%E8%A1%8C" title="永豐商業銀行">永豐商業銀行</a>及<a href="/wiki/%E4%B8%AD%E8%8F%AF%E9%83%B5%E6%94%BF" title="中華郵政">中華郵政</a>公司等，未來將持續增加。 </p><p>依照電子支付管理條例，金管會目前共允許專營業者為：<a href="/wiki/%E6%AD%90%E8%B2%B7%E5%B0%AC" class="mw-redirect" title="歐買尬">歐買尬</a>子公司歐付寶電子支付股份有限公司的O'Pay<a href="/wiki/%E6%AD%90%E4%BB%98%E5%AF%B6" class="mw-redirect" title="歐付寶">歐付寶</a>、<a href="/wiki/%E9%81%8A%E6%88%B2%E6%A9%98%E5%AD%90%E6%95%B8%E4%BD%8D%E7%A7%91%E6%8A%80%E8%82%A1%E4%BB%BD%E6%9C%89%E9%99%90%E5%85%AC%E5%8F%B8" class="mw-redirect" title="遊戲橘子數位科技股份有限公司">遊戲橘子數位科技股份有限公司</a>的GAMA PAY<a href="/wiki/%E6%A9%98%E5%AD%90%E6%94%AF%E4%BB%98" title="橘子支付">橘子支付</a>、<a href="/wiki/%E6%99%BA%E5%86%A0%E7%A7%91%E6%8A%80" title="智冠科技">智冠科技</a>子公司簡單行動支付股份有限公司的ezPay簡單付（由智冠科技的智付寶合併藍新科技的台灣電子支付而成）、<a href="/wiki/%E7%B6%B2%E8%B7%AF%E5%AE%B6%E5%BA%AD%E5%9C%8B%E9%9A%9B%E8%B3%87%E8%A8%8A%E8%82%A1%E4%BB%BD%E6%9C%89%E9%99%90%E5%85%AC%E5%8F%B8" class="mw-redirect" title="網路家庭國際資訊股份有限公司">網路家庭國際資訊股份有限公司</a>的<a href="/wiki/PChome_Online%E7%B6%B2%E8%B7%AF%E5%AE%B6%E5%BA%AD" title="PChome Online網路家庭">PChome國際連</a>、街口電子支付股份有限公司的<a href="/wiki/%E8%A1%97%E5%8F%A3%E6%94%AF%E4%BB%98" class="mw-redirect" title="街口支付">街口支付</a>。 </p><p>兼營業者為銀行及郵局，共有25家：Pockii/Yapee（<a href="/wiki/%E4%B8%AD%E5%9C%8B%E4%BF%A1%E8%A8%97%E9%8A%80%E8%A1%8C" class="mw-redirect" title="中國信託銀行">中國信託銀行</a>）、豐掌櫃（<a href="/wiki/%E6%B0%B8%E8%B1%90%E9%8A%80%E8%A1%8C" class="mw-redirect" title="永豐銀行">永豐銀行</a>）、第e支付（<a href="/wiki/%E7%AC%AC%E4%B8%80%E9%8A%80%E8%A1%8C" class="mw-disambig" title="第一銀行">第一銀行</a>）、玉山錢包（<a href="/wiki/%E7%8E%89%E5%B1%B1%E9%8A%80%E8%A1%8C" class="mw-redirect" title="玉山銀行">玉山銀行</a>）等等。 </p><p>其他第三方支付業者，如：<a href="/wiki/PChome_Online%E7%B6%B2%E8%B7%AF%E5%AE%B6%E5%BA%AD" title="PChome Online網路家庭">PChomePay支付連</a>、輕鬆付、HyPocket、Swipy、SmilePay、<a href="/wiki/LINE_Pay" title="LINE Pay">LINE Pay</a>、<a href="/wiki/Pi_%E6%8B%8D%E9%8C%A2%E5%8C%85" title="Pi 拍錢包">Pi 拍錢包</a>、PAYUNi，则屬經濟部所管轄，非屬金管會所管轄。 </p><p>一般外界所稱的第三方支付，在台灣為經濟部所管轄，僅能做實質交易代收付，如大陸地區的微信轉帳等功能，則為金管會管轄之電子支付機構方能辦理。<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="参见"><span id=".E5.8F.82.E8.A7.81"></span>参见</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=11" title="编辑章节：参见"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/%E6%94%AF%E4%BB%98%E7%B3%BB%E7%B5%B1" title="支付系統">支付系統</a> <ul><li><a href="/wiki/%E8%A1%8C%E5%8B%95%E6%94%AF%E4%BB%98" title="行動支付">行動支付</a></li> <li><a href="/wiki/%E9%9B%BB%E5%AD%90%E8%B2%A8%E5%B9%A3" title="電子貨幣">電子貨幣</a></li></ul></li> <li><a href="/wiki/%E4%BF%A1%E7%94%A8%E7%8B%80" class="mw-redirect" title="信用狀">信用狀</a></li> <li><a href="/wiki/%E7%BD%91%E4%B8%8A%E9%93%B6%E8%A1%8C" class="mw-redirect" title="网上银行">网上银行</a></li> <li><a href="/wiki/%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80" title="金融科技">金融科技</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="参考资料"><span id=".E5.8F.82.E8.80.83.E8.B5.84.E6.96.99"></span>参考资料</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&action=edit&section=12" title="编辑章节：参考资料"><span>编辑</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="reflist columns references-column-count references-column-count-2" style="-moz-column-count: 2; -webkit-column-count: 2; column-count: 2; list-style-type: decimal;"> <ol class="references"> <li id="cite_note-:0-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-:0_1-0">^</a></b></span> <span class="reference-text"><cite class="citation web"><a rel="nofollow" class="external text" href="http://journal.eyeprophet.com/gn20131105-2/">台灣第三方支付大戰正式開打，各家爭食 6000 億大餅 | 預見雜誌</a>. journal.eyeprophet.com. <span class="reference-accessdate"> [<span 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citation-comment">引文使用过时参数<code style="color:inherit; border:inherit; padding:inherit;">coauthors</code> (<a href="/wiki/Help:%E5%BC%95%E6%96%87%E6%A0%BC%E5%BC%8F1%E9%94%99%E8%AF%AF#deprecated_params" title="Help:引文格式1错误">帮助</a>)</span></span> </li> <li id="cite_note-11"><span class="mw-cite-backlink"><b><a href="#cite_ref-11">^</a></b></span> <span class="reference-text"><cite class="citation news">銀行局信託票券組. <a rel="nofollow" class="external text" href="http://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201504300003&toolsflag=Y&dtable=News">金管會已完成發布「電子支付機構管理條例」相關授權法規命令並自104年5月3日起受理申請案</a>. 金管會. 2015-05-03 <span class="reference-accessdate"> [<span class="nowrap">2015-05-03</span>]</span>. （原始内容<a rel="nofollow" class="external text" href="https://web.archive.org/web/20151119193522/http://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201504300003&toolsflag=Y&dtable=News">存档</a>于2015-11-19）.</cite><span title="ctx_ver=Z39.88-2004&rfr_id=info%3Asid%2Fzh.wikipedia.org%3A%E7%AC%AC%E4%B8%89%E6%96%B9%E6%94%AF%E4%BB%98&rft.atitle=%E9%87%91%E7%AE%A1%E6%9C%83%E5%B7%B2%E5%AE%8C%E6%88%90%E7%99%BC%E5%B8%83%E3%80%8C%E9%9B%BB%E5%AD%90%E6%94%AF%E4%BB%98%E6%A9%9F%E6%A7%8B%E7%AE%A1%E7%90%86%E6%A2%9D%E4%BE%8B%E3%80%8D%E7%9B%B8%E9%97%9C%E6%8E%88%E6%AC%8A%E6%B3%95%E8%A6%8F%E5%91%BD%E4%BB%A4%E4%B8%A6%E8%87%AA104%E5%B9%B45%E6%9C%883%E6%97%A5%E8%B5%B7%E5%8F%97%E7%90%86%E7%94%B3%E8%AB%8B%E6%A1%88&rft.au=%E9%8A%80%E8%A1%8C%E5%B1%80%E4%BF%A1%E8%A8%97%E7%A5%A8%E5%88%B8%E7%B5%84&rft.date=2015-05-03&rft.genre=article&rft.jtitle=%E9%87%91%E7%AE%A1%E6%9C%83&rft_id=http%3A%2F%2Fwww.fsc.gov.tw%2Fch%2Fhome.jsp%3Fid%3D96%26parentpath%3D0%2C2%26mcustomize%3Dnews_view.jsp%26dataserno%3D201504300003%26toolsflag%3DY%26dtable%3DNews&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal" class="Z3988"><span style="display:none;"> </span></span></span> </li> <li id="cite_note-12"><span class="mw-cite-backlink"><b><a href="#cite_ref-12">^</a></b></span> <span class="reference-text"><cite class="citation web">Mitchell. <a rel="nofollow" class="external text" href="https://www.inside.com.tw/2016/12/05/whats-the-difference-between-electronic-and-third-party-patments">別再傻傻分不清！台灣的電子支付和第三方支付差別在哪？</a>. 硬塞的網路趨勢觀察. <span class="reference-accessdate"> [<span class="nowrap">2016-12-05</span>]</span>. （原始内容<a rel="nofollow" class="external text" href="https://web.archive.org/web/20161221213341/https://www.inside.com.tw/2016/12/05/whats-the-difference-between-electronic-and-third-party-patments">存档</a>于2016-12-21）.</cite><span 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