在过去，由于交易成本过高，即使中国制造的产品，其在中国的价格仍可能高于美国。 而电子支付对降低中国营商和交易成本非常关键，大大提高了零售业的效率。
E-payments are a key factor in lowering business and transaction costs in China, because they improve efficiency in the retail sector, where prices can still be higher than in the US even when the products are made in China.