What does Alipay's flower buds make money from? With the development of mobile payment, our life has been greatly facilitated. We used to carry cash when we went out, but now we only need a mobile phone to solve the problem. When it comes to mobile payment, we most commonly use WeChat and Alipay. In addition to the payment function, Alipay has many functions that users love. For example, there are many similarities between flower buds and credit cards, and the opening threshold is relatively low. How can flower buds make money if all flower buds users repay in full and on time? flower buds don't charge any fees for users who repay on time, but they do charge fees for sellers who open this function, including fees charged by offline merchants and Tmall sellers, and fees charged by Taobao sellers. Now more and more people like to use flower buds, and sellers have to open flower buds in order to seize this group of users. < /p > The data shows that during the Double Eleven period in 22, the cumulative transaction volume of Tmall is 498.2 billion yuan. If half of it is paid by flower buds, the income from handling fees alone will be close to 2 billion yuan. < /p > In addition, not all users who use Huabai repay in full on time, and some will choose to repay in installments, which will result in a handling fee. The longer the installment time is chosen, the higher the handling fee will be. < /p > In addition, if Huabai fails to repay in full on time, there will be a penalty interest if it is overdue, and the interest will be calculated according to five ten thousandths of the overdue amount per day. < /p > The above aspects are all places where flowers are used to make money. For ordinary users, we are also particular about using flowers. We can use flowers as much as possible when we can pay, so that we can use the cash in our hands to buy some short-term financial management, such as depositing it in Yu 'ebao, and then transferring it out to repay it on the repayment date, so that we can do shopping and financial management correctly. < /p > When using flower buds, we must make rational consumption according to our own economic situation. Some users have already entered the central bank's credit information system. If they are overdue, please remember to repay them on time.