Which third-party payment platform is better for credit card repayments?

1. Repayment on Alipay platform

Supports inter-bank repayment from 38 banks and repayment using Alipay balance is free of charge. If you choose to repay on the same day, 25 banks including China CITIC Bank and Shanghai Pudong Development Bank support immediate payment; 12 banks include China Construction Bank (00:00-15:50), ICBC (00:00-23:30), Agricultural Bank of China ( 00:00-22:00), Bank of China (00:00-19:00) repayment supports same-day payment. In addition, only Bank of Shanghai provides payment the next day.

2. Repayment on the Tenpay platform

Supports inter-bank repayment from 21 banks without any handling fees. Among them, 6 banks including Agricultural Bank of China and China CITIC Bank support real-time payment; 7 banks include China Construction Bank (00:00-09:00), ICBC (00:00-22:00), Bank of China (00:00-14:00) ) repayment supports same-day payment. In addition, the repayment time of 8 banks including Shanghai Pudong Development Bank is 2-3 working days, and will be postponed during holidays (if the repayment is made on Friday, it will be credited to the account the following Monday).

3. Kuaiqian platform repayment

Supports online repayment from 18 banks with no handling fees. Among them, only Bank of Ningbo supports real-time repayment; repayments from 7 banks including Bank of Communications and China Merchants Bank will arrive the next day, but will be postponed on statutory holidays; 10 banks including China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and Agricultural Bank of China will repay It takes 2 to 3 days for the payment to arrive, and it will be postponed in case of statutory holidays.

4. UnionPay online platform repayment

Supports online repayment from 14 banks with no handling fees. Among them, 29 banks including China CITIC Bank support real-time payment, and 3 banks including Shanghai Pudong Development Bank support payment within 1 to 3 working days.

The above four third-party platforms are used for credit card repayments. In comparison, Alipay and UnionPay Online are slightly more prominent with their "fast payment" advantage.

What are the main electronic credit card online payment systems?

The current electronic payment system is divided into third-party platforms, online banking, cash on delivery and bank transfer. There are third parties that support credit card payment. Platform, online banking and cash on delivery, credit cards cannot be used for bank transfers.

1. Credit card

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the issuing bank and validity period printed on the front. , number, cardholder name and other contents. Consumers holding credit cards can purchase or consume at specially appointed commercial service departments, and then the bank will settle the bill with the customer and the card holder. The card holder can overdraft within the prescribed limit.

2. What are the methods of electronic payment systems?

1. Third-party payment platform. It means that customers and merchants must first open an account on a third-party payment platform and provide their respective bank account information to the payment platform's account. The customer first transfers the payment to the third-party payment platform, and the third-party The payment platform notifies the merchant that the payment has been received. After the merchant's delivery account receives and inspects the goods, it notifies the third-party platform to pay the merchant. Finally, the third-party payment platform transfers the payment to the merchant's account. The most commonly used third-party payment platforms now include Alipay, Tenpay, Kuaiqian, NetEase, Huanxun Payment, etc.

2. Online banking transfer. Online banking transfer refers to e-commerce transactions, which use bank cards to pay through the Internet. After consumers place orders with merchants through the Internet, they can make payments to the merchants online to complete the payment.

3. Cash on delivery. Cash on delivery refers to a payment method in which the merchant directly delivers the goods ordered by the customer to the doorstep according to the address after the customer orders the goods, and the customer pays the payment after confirming that the goods are correct.

4. Bank transfer or post office transfer. Bank remittance or post office remittance is a very traditional payment method. Bank or post office remittance refers to a payment method in which customers directly transfer the amount of goods they need to purchase to the merchant through the post office or bank. However, this method must also be used. You only have to go to the bank or post office, which is cumbersome and not suitable for the rapid development of e-commerce.

How to shop online with a credit card

Steps for online shopping with a credit card:

1. Open Taobao and find Alipay in My Taobao;

2. Click on the bank card management on the right side of Alipay;

3. Add a bank card;

4. Enter the mobile phone number reserved by the bank during the validity period of the credit card;

5 , the activation is successful after verification via mobile phone. Pay with credit card when shopping. After opening a credit card for quick payment, you can choose the products you like.

When paying, directly select credit card payment and enter the credit card payment password to successfully pay. The user also first purchases the product, then selects credit card payment when paying, and then follows the prompts to activate the credit card quick payment. The activation process is the same as above.

In addition to quick payment by credit card, banks such as China Merchants Bank and CITIC Bank can also choose to log in to online banking to pay. Select the credit card on the online banking side and follow the prompts to fill in the relevant information and password before making the payment.

In addition to quick payment and online banking payment when using credit cards on JD.com, you can also choose other payment platforms, including Kuaiqian online payment mobile payment and Lakala payment. Users can make credit card payments through the above payment platforms. Pay.

For more information on how to shop online with credit cards, go to: View more content

What payment platform do you use to pay with credit cards now?

Now use Alipay or Yipay to pay with credit cards , WeChat, various mobile banking apps.

You can apply for credit cards through two types of apps. One category is the credit card apps of major banks, such as China Merchants Bank’s “Pocket Life”, Bank of China’s “Colorful Life”, China CITIC Bank’s “Mobile Card Space”, Shanghai Pudong Development Bank’s “Puda Xiben”, and Bank of Communications’ “Pay Bill”. "" etc., you can apply directly online.

The other type is credit card management apps like NetEase Youqian. After logging in, you can directly click "Apply for Card Online" and submit the materials to apply for a credit card. If you don't know which credit card is right for you, it will also provide some suggested guidelines for credit card application. Generally speaking, ordinary students are suitable for applying for a regular card. If you are already working, you can consider applying for a platinum card.

Which payment platform can recharge with credit card now?

There is no platform that can recharge with credit card. Only debit card can be recharged, such as Alipay and WeChat.

However, the credit card recharge business itself has a certain risk of cashing out, and cashing out has always been the common mission and responsibility of commercial banks and Alipay; Alipay is based on the "Internet Payment of Payment Institutions" issued by the central bank. The spirit of the "Business Management Measures" draft for comments puts forward higher requirements for its own business compliance, resolutely prevents any individual or organization from using Alipay to cash out, and maintains the environment for the use of credit cards on the Internet.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. credit card.

Extended information:

Credit cards cannot be used to recharge Alipay, but credit cards can be used to make purchases on the Alipay platform. The scope of use of credit card express payment is that credit card express supports Taobao Market, Tmall Mall, and Alibaba. Payment by Baba, some external merchants (subject to the cashier display), and public institutions.

Individual users can enjoy a basic free repayment limit of 2,000 yuan per month (there is no basic limit for computer repayment); after exceeding the free limit, the excess portion will be charged a service fee of 0.1 per transaction. If the service fee is less than 0.1 yuan, it will be charged as 0.1 yuan. After using up the basic free quota, you can also use Alipay membership points to redeem more free quota.

Alipay-Click to recharge why there is no credit card?

Alipay - Scope of use of credit card quick payment

Baidu Encyclopedia - Credit card

Where can credit cards be used?

Credit cards can be used in supported credit cards Used by physical merchants and e-commerce platforms for payment. Credit card merchants that have activated the integrated payment function support cardholders to pay using WeChat or Alipay.

Generally, credit cards can be used for purchases at merchants with POS machines.

Physical merchant locations where credit cards can be used: antique jewelry stores, dining establishments, arts and crafts stores, hotels, hotels, resorts, shops, bowling alleys, public golf courses, aquariums, aquariums, Amusement parks, circuses, large game venues, women's products stores, sporting goods stores, etc. Some physical stores do not have POS machines, so cardholders need to refer to the actual situation.

E-commerce platforms with consumable credit: JD.com, Alibaba, Taobao, Tmall, Little Red Book, Vipshop, etc. Some products on the e-commerce platform do not support credit card consumption, and cardholders need to refer to the actual situation.

Domestic consumption by credit card generally takes 1 to 2 days to settle, while overseas consumption takes longer than domestic consumption. The transaction recording time and amount need to be based on the actual bill display. It is the best time to spend money after the bill is due, and you can enjoy a longer interest-free period.

After a certain number of credit card purchases are made, the annual credit card fee for the following year can be waived. In the process of credit card consumption, you can also earn credit card points, which can be redeemed for various gifts in the points mall.

This ends the introduction about credit card payment platforms and credit card payment platforms. Have you found the information you need?