What's the difference between JD.COM flash payment and white flash payment?
Opening conditions of 1: The opening conditions of flash payment in JD.COM are simple, almost everyone can open it, and there is no requirement for users' mobile phones. It is difficult to open the white flash payment. In addition to a small number of people, a large number of mobile phones are needed. At present, white-stripe flash payment only supports users of three mobile phone brands: Apple, Samsung and Huawei, and the user accounts need to meet the system requirements.
2. Payment method: JD.COM directly deducts fees from our bound credit card or savings card when making flash payment. You can only use the remaining amount of the debt to pay in flash, but there will still be a limited amount of use every month, usually 1000-3000 yuan. When using the mobile phone NFC to touch the POS machine, just enter the password, which is similar to swiping the card.
3. Repayment method: When paying by flash payment in JD.COM, if paying by credit card, users can directly repay to the credit card. When the IOUs are paid in flash, they will be directly returned to the IOUs of JD.COM.
4. The requirements for mobile phones are different: JD.COM Flash Pay has no requirements for mobile phones, as long as it has a network, and only supports users of mobile phone brands such as Apple, Samsung, Xiaomi and Huawei, and the user accounts need to meet the system requirements.
5 Card issuers are different: JD.COM Flash Pay is a virtual card issuing license approved by UnionPay, while White Strip Flash Pay is a bank cooperating with JD.COM to issue cards to users.
6 The order of deduction is different: JD.COM flash payment can be set by the user himself, but the deduction of white flash payment must be deducted according to the white note first, and then deducted from the small treasury.
Why can't I pay by white flash suddenly?
1. The consumption amount is too long, exceeding the prescribed limit (the daily limit of general online transactions 1500 yuan, the monthly limit is 3,000 yuan to 5,000 yuan. Offline transactions are not fixed. For details, please contact Jingdong Financial Customer Service).
2. Consumers don't support white-stripe payment (white-stripe flash payment is mainly used for online consumption and offline POS consumption, and the online consumption cashier must have any logo of APPLEPAY, HUAWEIPAY and SAMSUNGPAY; The cashier counter of offline consumer stores should have POS machines with UnionPay China UnionPay Express logo or APPLEPAY logo).
3. The system detects that the current transaction is risky, so the transaction is restricted. For example, I suspect that I didn't operate it myself, and maybe someone else stole it.
4. The account risk is high (recently, I always change my equipment to log in, frequently modify my account information, change my mobile phone number, change my bank card, etc.). ), so the system carries out risk control.
5. The customer's last credit problem may be due to overdue repayment of IOUs or other credit products under his name, resulting in personal credit damage.