The invention relates to a cross-border separate accounting arrangement method and platform based an inline electronic account, and a payment platform. The inline electronic account is pre-distributed to a user, during separate accounting arrangement, a deposit withdrawal request of a client is received, and a target inline electronic account, a target store, a target bank account, a target overseas main account and a target domestic main account are determined according to information items contained in the deposit withdrawal request and mapping relationships; a cross-border transaction volume of the target store is transferred to the target overseas main account, and a virtual transaction fund equivalent to the cross-border transaction volume is inputted into the target inline electronic account; an actual separate accounting arrangement sum is calculated according to the virtual transaction fund in the target inline electronic account, the actual separate accounting arrangement sum is transferred through the target domestic main account to the target bank account, and zero clearing of the target inline electronic account is further carried out. The method is advantaged in that a merchant has no need to go to an overseas extension counter of an overseas bank to open an account, and deposit withdrawal of the cross-border transaction volume can be realized through distributing only the inline electronic account to the user.