At present，the payment service has diversified development，formed by the people’s Bank of the core，banking financial institution based，payment mechanism to complement the payment service pattern.As of 2013 July，250 third party payment enterprises get the licenses of The People’s Bank of China，involving currency exchange，Internet payment，mobile payment，fixed phone pays，digital pay TV，issue and accept prepaid cards and bank card acceptance 7 service types.Banks and Payment institutions engaged in similar funds transfer payment service，but have some differences in the aspects of market positioning，product design，business model，credit rating and debt paying ability，cooperation requirements in terms of reserve management，resource sharing.Therefore，suggestions on banking is the main channel，the payment mechanism is the supplement and extension of payment service organization pattern，the implementation of differentiated competitive strategy，realize the sharing of resources，attempts to introduce competition mechanism in the liquidation process，promote the formation of benign competition relations，realize the healthy development of the payment market.