The reason given by the CBRC for charging fees for online credit card payments is that it can effectively guard against various risks, including credit risk of third-party payment institutions, risk of fund theft by network hackers, risk of illegal cashing out of credit cards, risk of money laundering and other criminal acts, as well as legal risks. However, as a representative of the new economy, the Internet is the industry that values market awareness the most and is also the most competitive one. The credit of some third-party payment institutions that have already stood out has been recognized through market competition.