Does Alipay charge a fee for credit card payments? The specific situation is this!

Let me introduce to you how Alipay charges for credit card payments.

Alipay has set a basic free repayment limit of 2,000 yuan per month for each user. Only the portion exceeding the free limit will be charged. The charging standard is the lowest single transaction amount of the excess amount, and any amount less than the amount will be charged. , so there will be two situations:

1. Monthly repayment amount ≤ 2,000 yuan: Use Alipay to repay the credit card, and you can continue to pay for free;

2. Monthly repayment Payment amount of 2,000 yuan: There is a fee for using Alipay to repay a credit card. The amount exceeding the limit of 2,000 yuan will be charged according to the standard.

For example:

If you use Alipay to repay 5,000 yuan to your credit card this month, then 2,000 yuan will not be charged service fees, and only 3,000 yuan will be charged. The fee amount is 3,000 yuan.

Of course, if your monthly repayment amount exceeds 2,000 yuan, but you still want to use Alipay to repay for free, it can also be achieved.

You can use points to redeem the free credit limit on the Ant membership page. With the free credit limit, you can naturally repay for free. Redemption path: Mobile Alipay-My-Alipay Member-Alipay Features-Withdrawal service fee is free, enter the redemption page, and follow the prompts to redeem.

Note: Alipay points can be redeemed for free cash withdrawals, starting from 1,000 yuan. The amount that can be redeemed varies according to the membership level:

1. Diamond members: 1,000 points can be redeemed for 3,000 for free. Withdrawal limit;

2. Platinum members: 1,000 points can be exchanged for 3,000 free withdrawal limits;

3. Gold members: 1,000 points can be exchanged for 1,500 free withdrawal limits;

4. Public members: 1,000 points can be exchanged for 1,000 free cash withdrawals.

In addition, you can also ask other Alipay friends with free quota to help you repay the loan. But if it is a large repayment, it is recommended to repay through other free channels. For example, JD Financial APP, Meituan APP, etc., these platforms can also repay credit cards for free.

Does Alipay credit card repayment require a handling fee?

Alipay credit card repayment requires a handling fee when the amount exceeds 2,000 yuan. When we use Alipay to repay credit cards, each person has a basic free repayment limit of 2,000 per month. When the user's cumulative repayment amount is less than 2,000, it is free to repay the credit card; if the cumulative repayment amount exceeds 2,000, Alipay will charge fees The fee is 0.1% of the excess. If the single service fee is less than 0.1 yuan, it will be charged at 0.1 yuan. In addition, Alipay users can use Alipay membership points to redeem more free credit card repayment lines.

1. Ways to avoid fees for Alipay repayment

1. Use Alipay membership points to redeem more free credits.

Enter the Alipay APP and click "My" to find the Alipay member and click to enter. On the Alipay member page, find "Receive Points" and click to enter; you can receive points on the interface for receiving points or earn points by completing tasks to obtain The points can be redeemed for corresponding rights and interests, including video membership, credit card free limit redemption, etc.

2. Please use accounts with excess free credit to help repay.

3. For large-amount repayments, users can choose to repay for free through bank online banking, APP, UnionPay Cloud Quick Pass and other channels. If all your money is in Yu'e Bao, you can withdraw it to your bank card first and then repay it.

4. Compared with Alipay’s 2,000 yuan free repayment limit, credit card repayments through WeChat will charge a handling fee of 0.1% of the repayment amount, with a minimum handling fee of 0.1 yuan. However, if you are a platinum or gold member of WeChat Financial Management and a user of the "Aiding Investment Plan" who successfully transfers 500 yuan or more every month, you can continue to enjoy free repayment.

2. Alipay Online Credit Card

Alipay announced on March 11, 2014 that the online credit card service launched by Alipay and China CITIC Bank will be available in Alipay wallet next week. Today, the first batch of 1 million online credit cards issued by China CITIC Bank will be issued and can be used for all online purchases.

3. How to apply for an Alipay credit card

The online credit card that Alipay cooperates with CITIC corresponds to the CITIC Bank Alipay Credit Card. Consumers can follow the CITIC Bank official account in the Alipay wallet to see the credit card. Apply online instantly through the official account, receive immediate approval, and support consumers to get rid of the shackles of physical cards.

Alipay revealed that after the application is approved, you can activate Alipay quick payment online to make online shopping, mobile payment and other consumption. A relevant person from the Alipay Public Relations Department also said that physical cards will also be sent to users. After opening the card, they can swipe the card offline for consumption. However, it will take a few working days for the physical card to be sent.

Operating environment: opporeno5prov11.1 Alipay app10.2.38

What is the handling fee for Alipay credit card repayment

From March 26, 2019, through Alipay A service fee will be charged for credit card repayments. Credit card repayments within 2,000 yuan are still free of charge. Only the excess will be charged a 0.1% service fee.

The basic free repayment limit of 2,000 yuan is issued on a natural monthly basis, that is, at 0:00 on the 1st of each month, and the unused free repayment amount of the current month is cleared at 23:59:59 on the last day of each month. The payment limit cannot be accumulated to the next month. If users need to increase their free quota, they can redeem it through Alipay membership points.

You can withdraw money from Yu’e Bao to your debit card, and then use online banking to repay the credit card for free. And if you use the money in Yu'e Bao to repay your credit card directly on the Alipay App, you must follow the new repayment rules, that is, there is no limit of 2,000 yuan, and the excess amount will be charged 0.1%.

Extended information:

Long before Alipay announced charges for credit card repayments, WeChat had already made two adjustments to its charging standards. In July last year, WeChat issued an announcement stating that starting from August 1, 2018, each WeChat credit card repayment will be charged at 0.1% of the repayment amount (the amount of the handling fee is calculated to two decimal places, with a minimum of 0 ．10 yuan).

Regarding the above-mentioned changes in the fee standard, WeChat explained that payment channel fees will be generated behind every repayment. In order to allow the majority of users to enjoy a partially free product experience, Tencent Tenpay has been Input costs are subsidized for handling fees. In recent years, with the rapid development of credit card repayment business, channel fee costs have also increased rapidly.

Like WeChat’s charge for credit card repayment, Alipay also stated on February 21 that the reason for the charge was “the rapid increase in comprehensive operating costs” and that the service rules for credit card repayment were adjusted to Reduce some cost pressure.