according to the inquiry of AliPay platform, it is not allowed to scan your payment code with your own credit card. Using your own payment code to swipe your credit card is suspected of taking cash. Once it is detected by the bank, the user will be punished by reducing the amount, freezing and sealing the card. Moreover, Alipay will also run a test on the user's collection and find that the user has taken cash, then the collection code will be controlled by the wind, and the collection will be impermanent until the risk control is lifted.