It is a normal transfer process for you to recharge Alipay with a credit card, and it is also a normal payment transfer process for you to use the loaded Alipay "I want to pay" function to pay other Alipays.

However, if the Alipay recipient is not a certified seller and does not have a certified payment account, then he will withdraw the money received. This process is an illegal operation and is a cash out.

This is why sellers need to register for certification and bind their transaction bank account. All third-party payments have a well-designed process when they are approved by the bank for transfer, and the channels for money laundering or cashing out must be blocked.