Required. There is a fee for using Alipay to pay with a credit card, but the fee is not necessarily borne by the consumer. The first thing to make clear is that paying with a credit card will definitely incur a handling fee. Whether you use a credit card to pay by swiping the card or binding Alipay to pay, there will be a handling fee. The handling fee rate is 0.6% or 0.38% of the payment amount. The normal rate for Alipay credit card payment is 0.38%.