Alipay is more secure. When paying with Alipay, Alipay will act as an intermediary and wait for the buyer to confirm receipt of the goods before transferring the money to the merchant's account. However, using online banking directly does not go through this intermediary and directly transfers the money to the merchant's account. Supplement: When paying, choose to pay the entire order amount with a "savings card" (i.e. online banking payment) or the remaining order amount with a "savings card" (i.e. online banking payment). The effect is the same as paying with the balance of the Alipay account. Friendly reminder: When using the savings card gateway, i.e. online banking payment, if the transaction generates a refund, the money will be refunded to the Alipay account first, and you can withdraw it. After selecting the "Bank name corresponding to the bank card" and clicking "Next", if the selection is incorrect, you can click "Select other payment methods" below to reselect. After confirming that the selection is correct, click "Log in to online banking to pay" to enter the online banking payment page.