Alipay's credit card payment in the middle of the night is not real-time, and there are two specific situations when it arrives. If the repayment is made before the working day 1 1, it will generally arrive on the same day; After 1 1, the repayment will generally arrive the next day. In addition, the arrival time is also affected by factors such as bank processing time and bank card balance. This is because the banking system performs settlement and processing within a specific period of time. It should be noted that the above information is based on the situation before 2023 10, subject to the official Alipay or bank announcement.