? As SMS payment is the main mobile payment method in China at present,

Mobile phone short message micropayment is flexible and convenient, which is not available in UnionPay card payment. However, due to policy reasons and the actual risk of short message bill payment, the possibility of large payment by mobile phone is limited; However, UnionPay card online payment has sufficient network security mechanism, so most large-value electronic payments (relatively speaking, generally refers to payments above 100 yuan) are still mainly based on UnionPay card payment gateway.

In addition, transaction speed, program cost, management and service, and whether mobile payment users can get more preferential treatment than ordinary payment users, etc. It is also a practical problem that affects the popularity of SMS payment.