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Cross-border e-commerce is the combination of “Internet+” International Trade, which shorten the distance between products and market in time and space, and promote trade development. While cross-border payment services play an important role in cross-border e-commerce, once the payment services is not successful, it means we are unable to make a deal, so, it pushes the completion of cross-border e-commerce transactions. This paper researches the concept of cross-border e-commerce and cross-border payment, and develops a model to describe current situation of China’s cross-border payment business, summarizes the domestic and foreign cross-border e-commerce platform to solve cross-border payments service solutions. Finally, we analyze the opportunities and challenges of Xi'an city facing e-commerce cross-border payment, and proposes solutions.