The Analysis on the Charging Mode of Third-Party Payment Platform in C-C E-Commerce Market

China´s third-party payment market is growing rapidly, but almost all companies incur loss, as they implement a free policy in order to allow the C-C platform they are affiliated to seize more market share. This article believes that the free model is unsustainable, as it is not consistent with the security and credit guarantee function of TPP. The loss and inherent risk in the existing unstable profit structure will drive TPP charge eventually. We build a model in which users balance the transaction security provided by TPP and the risks from C-C transactions, find that the users´ acceptance level toward charging is positively correlated with risks and the transaction amount, and negatively correlated with credit level of C-C market and charge rate. Survey also shows that based on the consideration of transaction risk and cost of platform shift, a moderate level of fee won´t affect consumers´ choice of platform, but a too high level of fee may drive consumers to leave the online market. This paper proposes a variable charging model which is based on transaction amount and the credit of both sides, aims at encouraging good faith conduct in the market.