Is there a handling fee for using Alipay to pay off a credit card?

There is a handling fee for using Alipay to pay off a credit card, but there is a certain free limit every month. Individuals who use Alipay to pay off a credit card can enjoy 2,000 yuan per month. If the free quota exceeds 2,000 yuan, a certain fee will be charged. The excess amount will be charged a service fee of 0.1 yuan. If the single fee is less than 0.1 yuan, a service fee of 0.1 yuan will be charged. If an individual uses up the basic quota every month, he can find a way to get more More free credits.

For example, if you want to repay 3,000 yuan to your credit card through Alipay in a certain month, first deduct the free limit of 2,000 yuan, and the service fee you need to pay is 10,000.1=1 yuan. What should I do if I exceed the free limit of 2,000 yuan and don’t want to be charged? There are three ways to avoid charges by using Alipay to repay.

Method 1: Use Alipay membership points to redeem more free credits.

Method 2: Ask family members who still have extra free credit to help repay the loan.

Method 3: For large-amount repayments, users can choose to repay for free through the bank’s online banking, APP, UnionPay Cloud Quick Pass and other channels. If all your money is in Yu'e Bao, you can withdraw it to your bank card first and then repay it.

Alipay:

Alipay (China) Network Technology Co., Ltd. was established in 2004. It is a domestic third-party payment platform dedicated to providing enterprises and individuals with "simple, safe and fast , convenient” payment solution. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It has two independent brands: "Alipay" and "Alipay Wallet". Since the second quarter of 2014, it has become the world's largest mobile payment manufacturer.

Alipay has established strategic partnerships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner of financial institutions in the field of electronic payment.

In February 2020, the Nepalese central bank issued a license to Alipay. In July, Alipay was selected into the list of outstanding blockchain solutions to fight the epidemic. In October, Alipay launched the "late payment" function. In December 2021, Alipay and China UnionPay realized mutual recognition of payment code scanning across the country.

The Alipay loan will be converted into a credit loan. On December 2, Alipay issued an announcement stating that Alipay and China UnionPay will begin close communication and exploration based on barcode interconnection business in 2020, and will gradually implement it in Beijing, Tianjin, Guangzhou, Shenzhen, Chengdu, Chongqing, Xi'an and other cities. Scan the payment code to recognize each other.

Main functions:

1. Support Yu'e Bao, and check financial income at any time;

2. Support various scene relationships, making group chat and group payment more convenient;

3. Provide local life services and enjoy discounts on purchases;

4. Establish family accounts for children and parents;

5. Check Taobao bills anytime and anywhere , account balance, logistics information;

6. Free inter-bank transfers, credit card repayments, recharges, and payment of water, electricity and gas bills;

7. Credit card repayments, payments, bill payments, and phone bill recharges , Intelligent reminders of card and coupon information;

8. Walking Donation supports access to iPhone health data, allowing you to walk and interact healthily with friends, and participate in charity.

9. Ant Forest obtains energy through a specific method. The energy can grow into a tree. After growing up, a physical tree can be planted in a certain area in reality.

How much is the handling fee for Alipay credit card repayment? If you want to read it for free

Alipay’s official Weibo released an announcement about the adjustment of Alipay credit card repayment service rules, which means that everyone who uses Alipay to repay credit cards will be charged a certain handling fee, so Alipay credit card repayment charges How much is the handling fee? Let’s learn more about it together.

1. How much is the handling fee for Alipay credit card repayment?

According to the announcement, individual Alipay users will be charged a certain percentage of handling fees by using the Alipay client to repay credit cards. The charging standards are as follows:

Individual users per person per Enjoy a basic free repayment limit of 2,000 yuan per month, and no handling fee will be charged if the free limit is exceeded. If the free limit is exceeded, a service fee will be charged. If the single service fee is less than RMB, it will be charged in RMB.

For example, if you use Alipay to pay back 3,000 yuan for a new card, the handling fee you need to pay is: (3000-2000) yuan.

2. WeChat credit card repayment fee

The service fee for WeChat credit card repayment has been adjusted for a long time. The charging standard is also calculated based on the calculation, but there is no basic free repayment limit. This means that all charges for using WeChat to pay credit cards will be calculated accordingly.

3. Credit card repayment fee-free method

It is understood that credit card repayment fee-free services include Ping An Yi Wallet, UnionPay Wallet, and JD Finance. You can find out more. If the repayment amount is within 2,000 yuan, you can still use Alipay to repay.

This is the answer to the question about how much handling fee is charged for Alipay credit card repayment. Looking at the two ways to change credit cards, it is more cost-effective to use Alipay to repay credit cards.

Alipay’s new rules for repaying credit cards

Alipay will charge a handling fee for credit card repayments. Each person can repay the credit card limit of 2,000 yuan for free every month. The amount exceeding 2,000 yuan will be calculated at 0.1 of the amount. Charge a handling fee.

However, Alipay and WeChat are not the only two channels for users to repay credit cards. In fact, users can also choose other methods besides Alipay and WeChat to repay credit cards for free.

In Alipay, if a user exceeds the free limit of 2,000 yuan on his credit card and does not want to be charged, he can choose the following two ways: one is to use Alipay membership points to redeem more free limits; the other is to request There are also family members who have excess free credit to help repay the loan.

In addition, users can also choose to repay for free through bank online banking, APP, UnionPay Cloud Quick Pass, JD Finance and other channels.

For example, when applying for a credit card, staff will usually proactively recommend that users download the bank's mobile banking app. As long as the corresponding debit card is bound, the bank's credit card can be repaid. At present, major bank apps have also gradually opened the function of repaying credit cards from other banks.

Does Alipay charge a fee for credit card repayment? What are the charging standards?

There are many credit card repayment methods. Alipay repayment is a favorite among card lovers. It is simple and convenient. However, there are many credit card repayment methods that charge handling fees. Or there is a certain limit, so the question is, is there any handling fee for using Alipay to repay the credit card? How is it charged? What are the charging standards?

1. Only the computer side uses Alipay to charge credit card repayments to others

Alipay wallet already supports credit card repayments from 37 banks, and the repayment bank coverage is completely the same as on the computer side. consistent. Alipay introduces you to use Alipay wallet to repay credit cards, and enjoy a more convenient credit card repayment experience anytime, anywhere.

From 0:00 on August 20, 2013, if you use Alipay wallet (Alipay mobile client) to repay credit cards on mobile phones and Pads, no matter whether you repay the credit card to yourself or others, the service will be exempted. fee.

If you use Alipay on the computer to repay your own credit card, the service fee will continue to be waived; if you use Alipay on the computer to repay other people's credit cards, the original free promotion period will be terminated, and if you use the computer to repay other people's credit cards, the service fee will continue to be waived. A service fee will be charged for the repayment amount (minimum 2 yuan/transaction, maximum 25 yuan/transaction).

2. Charges for using Alipay to repay credit cards on the computer

Warm reminder: If the account name is the same as the name on the repayment credit card, it means the repayment is for myself, otherwise it means the repayment is for others (including credit cards) The cardholder’s name and Alipay account name are related to traditional Chinese characters and simplified Chinese characters).

What is the handling fee for credit card repayment through Alipay?

Starting from March 26, 2019, service fees will be charged for credit card repayments through Alipay. Credit card repayments within 2,000 yuan will still be charged. There is no charge, only the excess amount will be charged a service fee of 0.1.

The basic free repayment limit of 2,000 yuan is issued on a natural monthly basis, that is, at 0:00 on the 1st of each month, and the unused free repayment amount of the current month is cleared at 23:59:59 on the last day of each month. The payment limit cannot be accumulated to the next month. If users need to increase their free quota, they can redeem it through Alipay membership points.

You can withdraw money from Yu’e Bao to your debit card, and then use online banking to repay the credit card for free. And if you use the money in Yu'e Bao to repay your credit card directly on the Alipay App, you must follow the new repayment rules, that is, there is no limit of 2,000 yuan, and the excess amount will be charged 0.1%.

Extended information:

Long before Alipay announced charges for credit card repayments, WeChat had already made two adjustments to its charging standards. In July last year, WeChat issued an announcement stating that starting from August 1, 2018, each WeChat credit card repayment will be charged at 0.1% of the repayment amount (the amount of the handling fee is calculated to two decimal places, with a minimum of 0 ．10 yuan).

Regarding the above-mentioned changes in the fee standard, WeChat explained that payment channel fees will be generated behind every repayment. In order to allow the majority of users to enjoy a partially free product experience, Tencent Tenpay has been Input costs are subsidized for handling fees. In recent years, with the rapid development of credit card repayment business, channel fee costs have also increased rapidly.

Like WeChat’s charge for credit card repayment, Alipay also stated on February 21 that the reason for the charge was “the rapid increase in comprehensive operating costs” and that the service rules for credit card repayment were adjusted to Reduce some cost pressure.