The flow of foreign exchange funds in cross-border electronic payment business inevitably involves the settlement and sale of foreign exchange and the collection and payment of foreign exchange. Judging from the current development of payment business, China's cross-border electronic payment settlement methods mainly include cross-border payment and foreign exchange purchase (including third-party foreign exchange purchase payment, overseas e-commerce accepting RMB payment, and remittance through domestic banks). ) and cross-border income settlement methods (including third-party settlement of foreign exchange, remittance through domestic banks, split settlement of foreign exchange inflows in the name of settlement or individuals, and cross-border settlement of foreign exchange through underground banks, etc. ).