In my opinion, the negotiation steps of online merchant loans with deferred repayment are as follows:

1. Understand the debt situation: Understand the debt and penalty interest through Alipay and other channels.

2. Contact customer service: call the online merchant loan customer service hotline to explain the repayment willingness, overdue reasons and current repayment ability.

3. Negotiation result: If the negotiation is successful, the repayment will be made on time according to the new repayment plan to avoid the second overdue.