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而第三方支付線上金流平台則是店家與銀行間的橋樑，代收代付電商金流的款項。因為電子商務使得付款和出、送貨的時機不一致，為避免客戶付款收不到貨，或是商家出貨收不到款，第三方支付會暫時保管貨款，直到客戶確定收到商品後，才會將款項撥給店家，�

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