Legal. According to the query "credit industry management regulations" stipulates that information shows that to the credit agency query personal information, should obtain written consent from the subject of the information himself and agree on the use, therefore, as long as in the case of obtaining the consent of the subject of the information himself, the cloud payment query credit is legal. Cloud payment is a new generation of payment mode based on cloud computing architecture, relying on the Internet and mobile Internet, with cloud payment terminals as the carrier, providing customers including individuals, families, merchants, and enterprises with a variety of cloud services such as settlement, financial services, information, e-commerce, vertical industry applications, big data, and other cloud services based on secure payment.