Starting today, the credit card channel for recharging Alipay accounts will be closed, and some banks have recently raised the upper limit of credit card payments to cope with the inconvenience caused to users.
Earlier this year, the Central Bank issued the "Measures for the Management of Internet Payment Services of Payment Institutions (Draft for Solicitation of Comments)", requiring that "customers do not use credit card overdrafts to recharge their payment accounts." Taking Alipay as an example, because it has the function of “transferring money from Alipay accounts to bank accountsâ€, some users use it to cash out from credit cards, and this provision is intended to curb such situations.
"Alipay will not be able to recharge with a credit card immediately and decisively recharge 5,000 yuan." A netizen said on Weibo yesterday. Alipay related sources said that in fact users do not have to worry about this, closing the credit card recharge channel does not mean that disabling the credit card on Alipay, users can still use the credit or debit card to directly deal with the merchant, you can also use the undrafted bank The card recharges to Alipay. And users who do not need to worry about large expenditures have recently raised the single limit from the original 500 yuan to 2,000 yuan.
If a user purchases a large amount of goods that exceeds the credit card limit, there is no need to worry that Alipay and major banks have a large amount of credit card payment services. Merchants who have a small logo with a credit card purchase large amounts of goods, and there is no limit on credit card payments.
In addition, direct consumption by credit cards will charge 1% of the fees for the sellers, which also raises concerns that “may lead to price increasesâ€. Alipay-related sources said that the actual use of credit card fees is not something that is only now. When the service was just launched in 2009, there was no phenomenon of collective price increase.
Earlier this year, the Central Bank issued the "Measures for the Management of Internet Payment Services of Payment Institutions (Draft for Solicitation of Comments)", requiring that "customers do not use credit card overdrafts to recharge their payment accounts." Taking Alipay as an example, because it has the function of “transferring money from Alipay accounts to bank accountsâ€, some users use it to cash out from credit cards, and this provision is intended to curb such situations.
"Alipay will not be able to recharge with a credit card immediately and decisively recharge 5,000 yuan." A netizen said on Weibo yesterday. Alipay related sources said that in fact users do not have to worry about this, closing the credit card recharge channel does not mean that disabling the credit card on Alipay, users can still use the credit or debit card to directly deal with the merchant, you can also use the undrafted bank The card recharges to Alipay. And users who do not need to worry about large expenditures have recently raised the single limit from the original 500 yuan to 2,000 yuan.
If a user purchases a large amount of goods that exceeds the credit card limit, there is no need to worry that Alipay and major banks have a large amount of credit card payment services. Merchants who have a small logo with a credit card purchase large amounts of goods, and there is no limit on credit card payments.
In addition, direct consumption by credit cards will charge 1% of the fees for the sellers, which also raises concerns that “may lead to price increasesâ€. Alipay-related sources said that the actual use of credit card fees is not something that is only now. When the service was just launched in 2009, there was no phenomenon of collective price increase.
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