Taiwan's e-commerce will become trillion industry in 2015. Based on providing a safe and convenient e-commerce environment, the third-party payment service contributes to the development of micro-businesses on network. Using third-party payment platforms, the micro-businesses may be required for the additional burden of transaction costs and risks associated with derivatives. This study conducted literature review, collected unhappy cases and compared analysis. It used Analytic Hierarchy Process (AHP) as an analysis tool to sort out factors and criteria.