What are the conditions for Taobao stores to open credit card payments?

Taobao stores do not need special conditions to open credit cards. They can be opened if they meet the basic categories.

Conditions for opening "Credit Card Payment Service":

1. The Alipay account must be bound to a mobile phone

2. The categories meet the conditions: the following categories (including The store's main business categories and product categories) are temporarily not open to credit card payment functions

Mobile/Unicom/Telecom recharge centers, mobile phone numbers/packages/value-added services (except contract phones, wireless network cards), gas card direct Chong, Tencent QQ zone, online game point cards

3. Alipay risk control: In addition to the above conditions, in order to control risks, we will make certain judgments on the seller’s transaction authenticity and stability, etc. You can join if you judge there is no problem. If your store previously opened a credit card service but cannot activate it again after it expires, it is recommended that you standardize transactions, use your account rationally, and try to order again after a while.

Merchants that have experienced arbitrage behavior are generally not allowed to join. Those who meet other categories can search for credit card payment services in the Seller Center - Applications I Ordered - Service Subscriptions or directly enter the service market to search. Credit card payment service ordering.

How to activate Taobao credit card payment? Introduction to the activation conditions

Nowadays, many people like to pay with credit cards when purchasing on Taobao. However, only in stores that have opened credit card payment prerequisites, there is no need to pay handling fees when using this method. Therefore, many Taobao sellers Everyone wants to open a credit card payment method. So, how to activate Taobao credit card payment? What are the conditions?

How to activate Taobao credit card payment?

1. The seller must first log in to the Taobao Seller Personal Center and click the "Seller Map" button in the upper right corner to enter;

2. Find the "Transaction Logistics Management" column and expand it. After expanding, select "Credit Card Payment";

3. After selecting "Credit Card Payment", you will enter the credit card service page and click "Buy Now" to order;

4. Then you need to pay the amount. There is no service fee now. Click "Agree and Pay" to order successfully.

After the order is successful, the buyer can choose to use a credit card to pay when making purchases in the store. However, sellers should note that the Taobao credit card payment processing fee is 1% of the payment amount. You should consider it based on the situation of the store. Whether it is enabled.

Taobao credit card payment activation conditions

The first condition for Taobao sellers to activate credit card payment is real-name authentication.

1. The store’s star rating reaches 3 stars;

2. The store has no false transactions and points will be deducted for illegal handling;

3. The store will deduct 4 points for serious violations. .The store will deduct points for not passing on handling fees;

5. The store actively applies to withdraw for more than one month;

6. The Alipay account must be bound to a mobile phone.

Sellers who meet the above conditions can open a credit card payment method. However, the system will review the seller's transaction activity, transaction stability, etc., and the activation can only be successful if the review is passed. It should also be noted that virtual product stores do not support credit card payment.

Do Taobao’s installment payments require Alipay’s virtual credit card? Can everyone apply for a virtual credit card? What are the requirements?

Virtual credit cards were stopped by the central bank, so there is no such thing as a virtual credit card. If you want to pay in installments, there are two ways. One is to activate the Huabei function, which requires users with certain qualifications to activate it; It is Tmall installment, which requires corresponding funds in Yu'e Bao. These funds will be frozen, but the income generated during the period still belongs to you, that's it

What is the Alipay Taobao virtual credit card? How to apply

There are more than 3,000 kinds of credit cards from various banks, and online virtual credit cards are emerging in endlessly, which is dazzling. Do you know that Alibaba also has Alipay virtual credit cards? What special functions does this card have? How should I apply? Are there any conditions? What is the difference between this virtual credit card and the bank’s actual credit card? Which one is more useful?

1. Introduction to Alipay Taobao Virtual Credit Card

Alipay Virtual Credit Card is a "credit payment" product of Alibaba. Using this service, Alipay will grant credit based on user transaction data information. The credit limit can be used to achieve prepayment on Taobao and other shopping websites. Alipay will grant credit to the user based on the user's transaction data. The credit limit can be used to pay for shopping on Taobao and other shopping websites. The user needs to repay before the repayment date, and the maximum amount can be obtained 38 days interest-free period. Every Alipay user can apply for a CITIC credit card in the Alipay wallet. If the limit is approved, the minimum limit is 200 yuan. The highest limit is based on the credit value generated by the accumulation of some data on his daily consumption. of. In other words, Alipay virtual credit card is equivalent to an overdraft credit card available to major banks.

2. How to apply for Taobao virtual credit card

Taobao credit card will be released online through Alipay wallet. Users can follow the CITIC Bank official account in Alipay wallet and apply online and instantly through the official account. Review. After passing the approval, the user will obtain a "Taobao Alipay Card" online, which will be automatically opened and bound to Alipay for quick payment.

1. You can directly obtain the "Alipay Wallet" APK program from Baidu and then install it on your phone.

2. Run the Alipay APK program and use your mobile phone number to log in.

3. In the "Alipay Wallet" interface, click the "More Public Services" item.

4. Then add the "CITIC Bank" official account, apply online and review in real time through the official account. After approval, you will have a virtual Alipay credit card.

What is a virtual credit card and how to apply for it

Virtual credit card is a "credit payment" product launched by Alibaba. Using this service, Alipay will grant credit based on user transaction data information. Its credit limit can be used to achieve prepayment on Taobao and other shopping websites. In other words, Alipay virtual credit card is equivalent to the overdraft credit card launched by major banks.

Application method:

The application operation for Alipay virtual credit card is realized through the mobile payment wallet. Therefore, we first need to install the Alipay wallet on the mobile phone. You can get the "Alipay Wallet" APK program directly from Baidu and then install it on your phone.

Run the Alipay APK program and use your mobile phone number to log in.

In the "Alipay Wallet" interface, click the "More Public Services" item.

Then add the "CITIC Bank" official account, apply online and review instantly through the official account. After approval, you will have a virtual Alipay credit card.

(Note: Due to current security issues with Alipay credit card, it has been temporarily suspended by the People’s Bank of China. It is believed that it will be officially launched after the security issues are resolved)

Why did you suddenly get a virtual bank card?

Virtual bank cards naturally did not appear suddenly. It must have been when you were doing some business and you applied for an electronic bank card. You just didn't pay attention at the time. Alipay will launch a "credit payment" function, that is, a virtual credit card business: when users spend money on the Taobao platform, they can make overdraft payments without a physical credit card. The credit data behind it comes from the user's consumption data on the Taobao platform. . Virtual credit cards require us to apply before they can be used.

The specific application method is: consumers must follow the CITIC Bank official account in Alipay's mobile client - Alipay Wallet. In the official account, they can complete online instant application and receive immediate approval. After being approved, CITIC Bank will issue one to the user. Users can use this to activate Alipay quick payment online and conduct various consumption such as online shopping and mobile payment. The issuer of this virtual credit card is CITIC Bank, and the counterpart behind it is the CITIC Bank Alipay Credit Card.

1. From a product perspective, it still follows Alipay’s previous method of “tying offline products through online channels”, packaging offline financial products and then productizing them online. Moreover, it can not only be consumed through Alipay. According to the news confirmed by PingWest, after receiving the application, users can still apply for a physical credit card at an offline CITIC Bank branch to achieve offline consumption. Therefore, Alibaba’s “virtual credit card” does not completely break away from traditional banks.

2. From the perspective of card issuance, applying for this card only requires Alipay users to operate in the "CITIC Bank" public account in the Alipay wallet mobile terminal, apply immediately, and be approved immediately. This eliminates the application steps of about a month, such as online submission of traditional credit card applications, on-site confirmation by an account manager, assessment of credit limit, and shipping. In addition, the credit limit of this card starts from 200 yuan, and the upper limit is determined based on personal network credit. At the same time, this model will also save the bank's own card issuance costs - under the traditional model, the single cost of a bank issuing a credit card is about 80 to 100 yuan. However, you can also find that the review and issuance model of this online credit card is very different from traditional credit cards. The existence of virtual credit cards may be able to reduce the issuance of real credit cards and save some resources in the future. The emergence of these virtual credit cards is still fundamentally about promoting consumption and improving our living standards.

This is the introduction of how to apply for Taobao virtual credit card.