As with other forms of Internet shopping, credit cards are usually the safest and most convenient way to pay, but in a person-to-person deal, the seller may be unwilling to accept them, insisting instead on a cashier's check or money order before sending the merchandise. In that case, some sites recommend an escrow service that will handle the transaction independently for a fee of around 5 percent of the cost of the item.

对其他形式的网上购物来说，信用卡是最安全且最方便的付款方式，但在人对人的交易中，卖方可能不愿接受这种付款方式，而是要求买方先付清货款或支票才交货。因此，某些网站会建议使用一种“委托契约”（由第三方独立处理交易）的模式，另加收约货品价格百分之五的费用。

(短文节选,本篇始于：网上购物 )