Credit card cannot transfer money to Alipay.
First of all, credit cards cannot use cash withdrawal functions such as transfer or red envelopes on Alipay. If the credit card can be directly transferred to Alipay, it is a cash-out behavior. 20 10 on July 26th, the Shanghai headquarters of the central bank declared that it was illegal to cash out credit cards. Therefore, credit card transfer to Alipay is not supported.
Secondly, on Alipay, you can use credit cards to recharge your phone bills and traffic. This is credit card consumption, not cash withdrawal. Just pay the bill normally next month.
The specific verification method is as follows:
Open Alipay and bind the credit card;
Click on Alipay to enter the transfer function;
Click Transfer, enter the amount, and select the bound credit card;
After entering, click OK and find that Alipay does not support credit card transfer function.
Credit cards don't have the function of transferring money directly to Alipay, because there is cash-out risk in direct transfer transactions, so banks are prohibited. The main purpose of issuing credit cards to customers is to let customers spend by credit card, so that banks can earn a certain transaction fee (charged to merchants); Banks do not encourage credit card withdrawal, so there will be a handling fee for customers to withdraw cash by credit card.
Can a credit card be recharged to Alipay? How to transfer a credit card to Alipay?
Credit cards cannot be recharged to Alipay. A credit card is a spending card, not a cash withdrawal card. All credit cards are not allowed to cash out. Charging or transferring money to Alipay by credit card belongs to the category of realization. Therefore, there is no way for a credit card to recharge Alipay, but you can use a credit card bound to Alipay for consumer payment.
In the past, many people used credit cards to recharge Alipay. However, the credit card recharge business itself has certain cashing risks, so anti-cashing has always been the common mission and responsibility of banks and Alipay. Therefore, Alipay officially closed the channel for recharging Alipay accounts with credit cards, but you don't have to worry that direct credit card payment and online banking payment will not be affected.
It must be remembered that the credit card bound to Alipay cannot be used for transfer payment. Alipay transfer needs to select the available balance and bind the bank card for quick payment. If users need to use credit card to recharge Alipay, they need to use the cash withdrawal function of credit card to deposit the cash withdrawn into the savings card, and then use the savings card to recharge Alipay account. However, it should be noted that credit card withdrawal requires handling fees and interest, and it is not cost-effective to recharge Alipay account with credit card.
Can I recharge Alipay with a credit card?
You can't.
The credit card recharge business itself has certain cashing risks, and anti-cashing has always been the common mission and responsibility of all commercial banks and Alipay. Alipay is based on the spirit of the exposure draft of the Measures for the Administration of Internet Payment Services of Payment Institutions issued by the Central Bank.
It has put forward higher requirements for its own business compliance, and resolutely put an end to any individual or organization using Alipay to cash out and maintain the use environment of credit cards on the Internet.
Credit cards cannot be used to recharge Alipay, but they can be used for consumption on Alipay platform. The use range of fast credit card payment quickly supports Taobao market, Tmall Mall, Alibaba, some external merchants (subject to the cashier's display) and public institutions to pay.
Extended data
Alipay uses credit card repayment service, and there is a handling fee.
From 2065438+March 26th, 2009, individual users will use the "credit card repayment" function of Alipay client, and Alipay will charge a certain percentage of service fee for the part exceeding the free quota.
Individual users can enjoy a basic free repayment amount of 2000 yuan per person per month (there is no basic repayment amount on the computer side); After the free amount is exceeded, the service fee of 0. 1% will be charged for the excess, and the service fee of 0. 1 yuan will be charged for the single service fee of less than 0. 1 yuan. After using up the basic free quota, you can also exchange Alipay membership points for more free quotas.