Architect's Guide

Jun 23, 2026 · Industry Insights

A Complete Look at China’s End‑to‑End Internet Payment Architecture

The article walks through the full payment chain in China—from an e‑commerce checkout on JD.com, through third‑party payment gateways, banking channels, and the central bank—detailing each subsystem such as cashier, transaction core, payment core, member, accounting and settlement layers.