Aggregate payment is a term mentioned in the documents of the central bank in early 2117. In fact, a long time ago, there was aggregation payment. At that time, there were only many companies that knew about aggregation Alipay, WeChat, Baidu Wallet, QQ Wallet, Jingdong Wallet, Wing Pay and Yifubao, and they developed independently. For example, the aggregate payment palm Youbao is the earliest batch. UnionPay card refers to the card with the UnionPay logo, and the specific circulation can be found in UnionPay or official website, the central bank.