On what day does the family card arrive in your account?

On what day does the family card arrive in your account? Alipay's family cards are calculated based on the monthly balance date. The first day of the monthly balance date is counted. Family cards registered in the middle of a month are settled at the end of the month. The second month is calculated from the first day of the monthly balance date. Through the Alipay family account, you can bind your brothers, sisters, parents, and family members together to realize relatives' consumption. This is a function where you pay for the bill, or to put it another way, you open a credit card for your relatives. , and the credit card limit is determined by yourself. Of course, this limit has a certain range.

Alipay and WeChat Family Card

Alipay Family Account does not need to deposit funds every month, but directly from the balance of the person who opened it, Yu'e Bao, Huabei or the credit card bound to Alipay, Debit card charged. When deducting money, Alipay will poll and deduct money in accordance with the Alipay deduction sequence set by the activator. If the subscriber does not set the order of deductions, the payment will be deducted in accordance with the default order of credit card, balance, debit card, Yu'e Bao and Huabei.

After the WeChat relative card is successfully gifted, you will automatically have it every month. Of course, if you unbind the gifted relative card, it will be gone. However, it should be noted that WeChat family cards are automatically available every month, but the maximum consumption amount of each card is only 3,000 yuan. The specific available amount depends on how the gift provider sets it up. If the monthly consumption limit exceeds the limit set by the giver, you will have to wait until the limit is restored next month before you can continue to use it. Is the family card automatically renewed every month?

The WeChat family card can add a payment method for family members’ WeChat payment. After the user gives a family card with a certain limit to a WeChat friend, the party receiving the card When using WeChat Pay, you can pay with a relative card. The relative card is automatically renewed every month, and the monthly consumption limit of the relative card is set by the card giver.

At the same time, the funds consumed by the relative card will be automatically deducted from the payment account of the card donor, and the card donor can gift up to 4 relative cards.

Mobile payment refers to mobile clients using electronic products such as mobile phones to make electronic money payments. Mobile payment effectively combines the Internet, terminal equipment, and financial institutions to form a new payment system, and mobile payment Payment can not only make monetary payments, but also pay for living expenses such as phone bills, gas, water and electricity. Mobile payment has created a new payment method and made electronic money popular.

February 1, 2021. China UnionPay released the "2020 Mobile Payment Security Survey Research Report". In 2020, an average person will use mobile payment three times a day.

Features

(1) Small space and time restrictions.

Mobile payment in the Internet era breaks the time and space limitations of traditional payment, allowing users to make payment activities anytime and anywhere. Traditional payment is mainly cash payment, which requires face-to-face payment between users and merchants. Therefore, there are great restrictions on payment time and location; mobile payment is mainly mobile payment, and users can use their mobile phones to make payment activities anytime, anywhere. Subject to time and space restrictions, for example, users can shop and pay at any time in online malls such as Taobao.

(2) Convenient management.

Users can conduct various payment activities anytime and anywhere through their mobile phones, and manage personal account inquiries, transfers, payments, recharges and other functions. Users can also understand their consumption information at any time. This provides great convenience to users’ lives and makes it easier for users to manage their personal accounts.

(3) High degree of privacy.

Mobile payment requires users to bind their bank cards to their mobile phones. When performing payment activities, they need to enter a payment password or fingerprint, and the payment password is different from the bank card password. This makes mobile payment better protect the privacy of users and has a higher degree of privacy.

(4) High degree of comprehensiveness.

Mobile payment has a high degree of comprehensiveness and provides users with a variety of different types of services. For example: users can pay home water, electricity, and gas bills through mobile phones; users can manage personal accounts through mobile phones; users can conduct various payment activities such as online shopping through mobile phones. This reflects the high comprehensiveness of mobile payment.

Types of payment

The current classification methods of mobile payment mainly include the following three types:

According to the size of the payment amount, mobile payment can be divided into small payment and large payments.

The micropayment business refers to the cooperation between operators and banks to establish accounts with pre-deposited fees, and users issue transfer instructions to pay fees on their behalf through the mobile communication platform. Large-value payment refers to binding the user's bank account and mobile phone number, and the user conducts transactions on the bank card bundled with the mobile phone in a variety of ways.

Based on whether the payer and the payee are at the same site when making the payment, mobile electronic payment can be divided into remote payment and on-site payment. For example, purchasing ringtones through a mobile phone is remote payment, while purchasing drinks at a vending machine through a mobile phone is on-site payment.

According to different implementation methods, mobile payment can be divided into two types: one is to complete payment through remote control such as SMS and WAP. The other is to complete payment through short-range contactless technology. The main short-range communication technologies include RFID, NFC, Bluetooth, 802.11, etc. Will the WeChat Relatives Card be automatically renewed every month?

The Relatives Card will be automatically renewed every month unless the user cancels it. The monthly consumption limit of the relative card can be set and adjusted by the card giver. In fact, the relative card is equivalent to a payment function. Within the limit set by the card giver, the recipient's consumption limit is paid by the card giver.

Family cards are one of the payment methods that can be given to family members. You can give family cards to family members through WeChat or Alipay. The family members can consume within the set limit, and the giver will pay on their behalf.

1. What is a relative card?

The relative card is a small program launched by WeChat in June 2018. It is a "payment on behalf of" function.

Family cards can make payments more convenient for parents and can manage family members’ consumption. Among them, there are management items for the whereabouts of children’s “pocket money”. The party that issues the family card can set the consumption limit of the family card. , the maximum monthly amount is 3,000 yuan.

Using a family card can make payments more convenient for parents, and can also manage the family's consumption, such as managing the whereabouts of children's "pocket money." And the party that issues the relative card can set up the consumption of the relative card, up to a maximum of 3,000 yuan per month. The activation method is also very simple. Users can see the "Relative Card" option by entering "Me" - "Wallet" - "Payment Center" in WeChat. A maximum of 4 family cards can be given, one for each parent and two for children. I don’t know if the kinship card function between boyfriend, girlfriend or husband and wife will be enabled in the future.

After choosing to gift a relative card and selecting a friend list, you can set the monthly maximum limit. The limit range is between 0.01 and 3,000 yuan, and the upper limit can be modified at any time. After filling in the amount and entering the WeChat payment password, you can give the relative card to the other party. The other party needs to click to collect and use it within 24 hours. After receiving it, the relative card will be used as a bank card in the WeChat wallet. The relative card can be used in most consumption scenarios that support WeChat payment, but it does not currently support red envelopes, transfers, Use for financial management and entrusted withholding. Will the relative card be automatically renewed every month?

The relative card will be automatically renewed every month if the user does not cancel it.

The monthly consumption limit of the relative card can be set and adjusted by the card giver. In fact, the relative card is equivalent to a payment function. Within the limit set by the card giver, the recipient's consumption limit is paid by the card giver.

How to unbind the relative card?

The donor can enter the WeChat wallet, click the icon in the upper right corner to enter the relative card interface, select the relative card to be unbound, and follow the prompts to unbind That's it. The recipient can directly find the relative card on the bank card page in WeChat and select delete to complete the unbinding. After gifting the relative card, the card cannot be unbound until the other party collects it. Otherwise, it cannot be unbundled. However, if the other party does not collect it for one day, it will be automatically invalidated. When the relative card is used by the other party for consumption, the funds are automatically deducted from my account. It is a small program in WeChat Pay.

The relatives card launched by WeChat this time is basically the same as Alipay’s intimate payment. It also gives a certain amount of payment to the selected objects. This kind of payment does not need to be confirmed by the user himself, but directly from the set payment method. payment.

As people’s desire for consumption increases, pure offline consumption can no longer meet the needs of most users. Online goods and consumption can be carried out more silently, and consumers cannot personally feel the loss and consumption of money. In response to the requirements of the times, WeChat also launched a relative card. Relative cards have the function of payment on behalf of others.

So, how to unbind the relative card?

As an attempt to upgrade WeChat’s payment and consumption functions, the “relative card” function has been newly launched. Because this function is deeply hidden, many friends have expressed doubts about it. I don’t know much about it yet, so I’ll talk about it today.

What is the WeChat Relative Card?

In the past, we used to give pension money to parents and pocket money to children; now that we are moving towards a cashless era, how can we give pocket money to our families so that they have no worries? What about consumption? Alipay launched Intimate Pay, and WeChat launched Relatives Card; different names have the same meaning. Both are like applying for a secondary card for your family. They spend and we pay.

How to use the WeChat Relative Card

First open the latest version of WeChat, enter my personal center, open the wallet option, then open the payment center, and you can see the Relative Card entrance below , as shown in the figure below.

After opening, select the relative card you want to give as a gift, select a relative card, and then a friend list will appear. After selecting a friend, we will enter the limit setting interface and enter the maximum monthly consumption. The amount is between 0.01-3000 yuan, and the upper limit can be modified at any time.

Then enter the payment password, give it to your mother (friend), and wait for the other party to receive it.

How to know whether the other party has used a relative card?

If the other party has a relative card, when paying, the relative card will pop up, as shown below:

The other party confirms After payment, as the inviter of the relative card, you will receive the following message, which means that the other party has used the relative card.