Alipay stipulates that all online stores that have handled large credit card payments will be charged a handling fee of 100 yuan for each customer payment. For example, if a seller receives a buyer's credit card payment of 65,438+00,000 yuan a day, the seller will pay a processing fee of 65,438+000 yuan for the customer's credit card payment that day.
Therefore, many online sellers do not recommend buyers to use credit cards to pay online. Some sellers suggested that credit card payers should consciously pay 1% handling fee. It depends on which online mall you bought it in and how it is regulated.
2. On Taobao, Alipay has different credit card restrictions for different banks, but the premise is that online banking must be opened. Alipay generally has no restrictions on all banks to open VIP online banking, but the limit of ordinary online banking is generally 5,000 yuan per pen. (Different banks will have different quota restrictions. )
3. It is best to buy digital products such as computers and mobile phones in local physical stores. Because there is a disadvantage in buying digital products online: you can't try them when they arrive. If you really want to buy it online, it is recommended to buy it in the corresponding brand official website. For example, if you want to buy a Lenovo computer, you can buy it in Lenovo official website; If you want to buy a Huawei mobile phone, you can buy it in official website. Official website's products are the most reliable.
4. If you want to use a credit card to buy things online, and you don't know whether you can use a credit card or not, and if there are any restrictions, please contact the customer service of the online mall or look at the relevant regulations in the corresponding online mall.