||Pervasive Internet and the popularity of terminal network devices have provided the opportunities of e-commerce to flourish, driven the developments of e-commerce B2C (Business to Customer), C2C (Customer to Customer), C2B (Customer to Business) and B2B (Business to Business), promoted the diversified electronic payment mechanism and made the security of electronic payment mechanism attracted much attention. In addition, with the popularity of the broadband network and the wireless communication technologies such as HSDPA、WCDMA、EDGE、GPRS、Wi-Fi and the wide use of software and hardware in information security protection systems, Internet shopping also gets more and more prevalent. It offers the online customers the various payment methods including credit card online payment, payment through ATM, cash on delivery, convenience stores pick up payment, third-party payment instruments and credit card faxing payment. The prevalence of Internet shopping led to the flourish of the home-delivery industry that offers the home-delivery services. For customers and Internet sellers, home-delivery payment becomes a type of reliable payment service. It allows customers to cash on delivery and to make sure that the arrival of goods. Meanwhile, it reduces the risk that the goods have been shipped but not received the payment of customers. This study analyzes the characteristics and advantages of payment on delivery and mobile payment and explores the feasibility of the mechanism of their combination. Finally, this research uses case studies to understand the benefits of credit card payment on home-deliver and provides the customers, Internet stores, sales drivers a more convenient and the secure goods-delivery and payment mechanism that makes payment transactions more efficient.