Prepaid is not a credit product. To be precise, it is a payment-based credit information product of Zhejiang Information Technology Service Co., Ltd. This product takes users' sesame credit as the main reference way, and gives users with sesame credit score above 600 a consumption mode that can realize the deduction of products according to the agreement. And the merchants who enjoy first and pay later can judge the credit rating of customers through the system, and the merchants can independently authorize the agreed deduction amount according to their needs; When the authorization is successful, consumers actually pay by daily payment, weekly payment, monthly payment and quarterly payment. , can lower the consumption threshold of customers, reduce the consumption pressure, and further improve the transaction conversion rate of merchants.