You can log in to personal online banking and click Customer Service-> Personalized Customization-> E-commerce/External Transfer Authority Management to see if you have enabled the e-commerce function. If the "e-commerce function" item is grayed out, it means that it is not enabled (the inquiry method for opening the external transfer function is the same). You can open it with valid ID and online banking registration card at a local branch that handles electronic banking. Please consult the account opening area 95588 for specific branch information. If you have opened the e-commerce function and applied for a password card, you can recharge it directly. The recharge process suggests that you follow the reply of Alipay customer service.