The difference between the two swipes:
1. If we use a credit card to bind Alipay for consumption, we can directly scan the QR code or someone else can scan our payment code to make a transaction. Very convenient, it can be done with only one mobile phone. However, if you use a physical credit card to swipe your card, you need to enter your password and sign it, which is relatively troublesome.
2. When paying with the credit card in Alipay, Alipay often gives some bonuses to users. This is a relatively large benefit, and you can't enjoy these benefits if you use a physical credit card to swipe your card.
3. For the bank's handling fee, the handling fee for direct credit card swiping is .6% of the total amount, while the handling fee for Alipay is .38% of the total amount. For banks, Alipay has less income from swiping cards. Usually, this credit card fee is paid by the merchant, and the user only needs to pay the actual amount.