Today Alipay has become an indispensable payment tool in people’s lives. But do you dare to deposit all the money in your bank card into Alipay? However, 13 years after Yu'E Bao launched, there are some benefits to putting money into Alipay. Today, Yu'e Bao has 450 million real-name authenticated users, 90% of whom use mobile payments. Is it safe to put money into Alipay or WeChat?
1. Alipay’s security account measures
Alipay introduces account security insurance, and you can enjoy a compensation amount of up to 1 million yuan for only 0.88 yuan, thereby ensuring the account balance, Yu’E Bao and Quick disbursement of funds. If your phone is unfortunately lost or infected with a virus, you may be compensated for the loss caused by the theft of the property inside your phone. You can use WeChat to search for "Golden Cat Money Bag" and the loan limit is up to 300,000 yuan. Users with a Sesame score above 500 can apply for a credit line individually or through a merchant.
2. There are risks in scanning with WeChat
WeChat needs to scan when paying, but the QR code has huge security risks, especially for those who have opened the automatic deduction service of users. You can easily deduct more fees without paying attention, and the QR code may be embedded with a Trojan horse program to steal the user's bank card and password information. WeChat Pay generally only accepts deduction information, not complete orders. Especially when using WeChat to pay online, the merchant's order is different from the buyer's order.
3. WeChat payment is easy to be frozen
In the process of using WeChat, especially WeChat merchants or merchants who need to frequently use WeChat for collection and payment, their accounts are often blocked. Frozen for no reason. In addition, the process of unfreezing the account is very complicated and requires bank card verification, household registration certificate, etc. The most troublesome thing is that you need to contact the person who complained against you and conduct dispute mediation yourself.
WeChat and Alipay have become indispensable payment tools in people's daily lives, but there are still some security issues that make people less assured, and further protection of user account security is needed.