Without a business license, Alipay opens a credit card to pay for flowers. The specific operation steps are as follows:

1. First click on your mobile phone to open Alipay, and then click the "Payment" option at the top of Alipay software page.

2. Then click the "Merchant Service" option at the bottom of this page.

3. Then click the "Settings" option in the upper right corner of this page.

4. Then, click the function option of "Spend money" on this page.

5. Then click the "Flower Collection Service" option on this page.

6. Finally, in this page, click the switch behind the "flower collection service" to open it, and it is finished.