Although both aypal and Western Union are used for micropayments, they are essentially different. Paypal is a third-party online payment tool under ebay, similar to Alipay in China. The buyer has the right to initiate disputes and complaints without receiving the goods or if the goods have quality problems. Because they consider the interests of buyers and sellers, online shopping is becoming more and more popular today. Western Union remittance business is a real-time personal foreign exchange remittance business jointly developed by Agricultural Bank of China, Postal Service, China Everbright, China Construction Bank and American Western Union Company, which has the advantages of quickness, convenience and no intermediary bank charges. This business is an agency business.