White stripe flash payment is a credit payment service launched by JD Finance, which can be used for online consumption, offline POS consumption and code scanning payment consumption. However, the consumer account supported by the white-note flash payment is actually a white-note quota, and it is impossible to use the white-note flash payment without opening a white-note.

Users will get an e-banking account issued by Jingdong Financial Cooperation Bank after opening the white-note flash payment. When spending offline, as long as the cashier has the logo of UnionPay China UnionPay Express and UnionPay QR code, they can use white stripes to pay in flash.