Mobile payment refers to a payment service method that allows users to use mobile terminals - mobile phones, with the help of wireless Internet or other wireless signals to make bill payments for consumed goods or services. UnionPay can also be used Transfer money between cards. UnionPay mobile payment is divided into two types: remote payment and on-site payment. Remote payment is equivalent to transplanting payment functions such as transfer, remittance and payment of ATM machines to mobile phones. Online shopping payment, transfer and remittance, utility payment and other operations can be carried out, but it requires UnionPay to sign an agreement with relevant charging merchants or units in advance and add plug-ins. On-site payment uses NFC wireless radio frequency technology to complete on-site small-amount payments in a non-contact manner with the help of wireless radio frequency chips implanted in mobile phones. It is similar to the current POS machine swiping bank card payment, but is limited to small payments below 1,000 yuan. Um, and there is no need to enter a password (security is controlled by the chip inside the mobile phone), and it can be used in small payment fields such as buses, canteens, and shopping malls. The one in your picture should belong to UnionPay’s mobile payment client application, which is a remote payment. Any UnionPay standard debit card or credit card can be used for related fund payment, and bank cards can also be bundled (currently only with credit cards). UnionPay mobile payment supports bank cards with UnionPay logos from all banks, but there is a disadvantage: you need to pay a handling fee, and the specific fee standards are the same as ATM inter-bank transfer fees. The advantage of UnionPay mobile payment is that you can use UnionPay cards issued by any bank. If the main purpose is remittance, please apply for mobile banking from ICBC, Agricultural Bank of China, Bank of China, Bank of Communications and other banks, and install their mobile payment software. It is free during the current promotion period, including inter-bank remittances. Some banks such as China Construction Bank and Postal Savings Bank of China now charge fees, but the fees are also nominal.