The new platform naturally brings many novices, and everything starts from scratch. At that time, Baidu also had a growth process from posting a lot of posts on the same topic to now. The so-called Rome begins with a single step.

Different platforms have different requirements. For example, Postal Service products can support recharge in some areas with Tenpay, but not at all with Alipay. The same goes for China Merchants Bank. As an intermediary platform, of course, it is most hoped that all products of all banks can be accepted through payment, but communication is achieved bit by bit. The same goes for China Merchants Bank's credit cards.

So to answer the poster’s questions 1 and 2: cooperative advertising means that communication channels still exist. As users, let us look forward to the completion of communication between China Merchants Bank and Tenpay. The so-called communication completes the transaction.

Anyway, let’s wait and see.