1. Credit card restrictions: Some credit cards do not support Alipay payment or have transaction restrictions. Users can contact the credit card issuer and ask if there are any restrictions in this regard.

2. Insufficient balance of Alipay account: when the balance of Alipay account of the user is insufficient to meet the transfer amount, the transfer operation cannot be carried out, and the user can choose to transfer the money through other payment methods such as the bound online bank card, or transfer the money after others collect the money.