yu ebao
Yu 'ebao is a wealth management service launched by Alipay, but it can also be used for daily shopping and credit card payment. When used for payment, Yu 'ebao has the advantages of large amount and very high payment success rate. Yu 'ebao can also get wealth management benefits when it is used for payment.
The proportion of Yu 'ebao in Alipay payment is gradually increasing. From February 1 day to March 15, 2065438, the function of automatically transferring the balance to Yu 'ebao was cancelled, and the total daily subscription amount of Yu 'ebao was set.
Overdraft consumption
On 20 14, 12 and 16, Ali Finance plans to launch a credit payment service: users can use Alipay to pay, and they can directly overdraw their consumption without binding a credit card or savings card, with a maximum amount of 5,000 yuan and an interest-free period of 38 days.
If there is overdue, Alibaba Finance will notify you by SMS, then collect it by voice, and finally collect it manually until the account is cancelled. All loan funds are provided by cooperative banks, and Chongqing Shangcheng Guarantee Company under Alibaba provides full guarantee and bears all risks.
The handling fee is borne by the merchant or customer, and the fee is between 0.8%- 1%. The interest-free period of credit payment is 38 days, and a fine of 50% of the benchmark interest rate will be imposed if it is overdue. After users get the credit payment quota, they can only spend on Ali shopping websites such as Taobao and Tmall, but not on the whole network.
Extended data:
Safety reminder
1, Alipay funds (quick payment, balance and balance treasure) are fully underwritten by the insurance company. Once the theft risk is verified, 100% will be paid, with no upper limit, and it will be paid within 24 hours at the earliest. Please remember the following security reminders to better protect the security of your account:
2. Alipay's only 24-hour customer service hotline is 95 188, and Yu 'ebao has no separate customer service phone number;
3. Alipay's login password and payment password need to be set with high security level password, mobile phone power-on password and Alipay wallet gesture password respectively;
4. AliPay account real-name authentication, installation of digital certificates and other security products, binding mobile phones, can greatly improve account security;
5. Don't trust the "agent credit card". Never leave someone else's mobile phone number when handling a bank card, only bind your own mobile phone number;
6, ID card, bank card number, password, SMS check code and other information must be properly kept, do not disclose to strangers;
7. Don't receive strange files at will, and don't click on strange links at will, whether it's a computer or a mobile phone, so as not to fall into the Trojan fishing trap;
8. When using Alipay on the computer, please note that there will be a green security lock+"https" in front of the address bar. If the URL prefix is "http", be sure to be vigilant;
9. For security reasons, please don't "jailbreak" or "ROOT" the mobile phone. Brush machine is also risky, so be careful;
10. Don't send the payment code screenshot to others.
Baidu Encyclopedia-Alipay