1, low risk: when paying by credit card, the bank actually advances the funds first, and the user needs to repay on the repayment date. Therefore, Alipay is less risky than Huayuan, and the handling fee will naturally be reduced accordingly.
2. Large profit margin: For credit card payment, banks will charge merchants a certain handling fee. However, this handling fee often has more profit space than the flower garden. Therefore, in order to attract more users to pay by credit card, Alipay usually reduces the handling fee to improve the payment experience and satisfaction of users.
3. Promotion demand: Alipay will formulate different handling fee policies according to market demand, user behavior and other factors. In some cases, in order to promote the use of credit cards, Alipay will adopt the strategy of reducing the handling fee to attract more users to pay by credit cards.