The difference between these product types you can see in the "Product Compare Matrix" section here (bottom of the page)
and is there any chinese helper?
Sorry, we don't have chinese representatives.
i don't have mastercard to purchase online,how to purchase?
You can see a list of payment methods on a purchase page, if you don't have mastercard, probably you can pay by wire transfer (you can see the list of local bank transfers if you choose this option in the Payment Method field on a purchase page).