Why is Alipay unable to swipe credit cards?
The possible reasons why Alipay does not support credit card payments are:
1. The payment limit has been exceeded.
2. Credit card is abnormal.
3. The merchant does not support credit card payment.
4. The credit card has not been opened for online banking.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). [4]
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
Main features:
Pre-deposit of cash is not encouraged, consumption first and repayment later, enjoys an interest-free repayment period, can be repaid in installments (with a minimum repayment amount), and join VISA , MasterCard, JCB and other international credit card organizations so that it can be used globally. It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent. It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards. It is a high-tech product that integrates financial services and computer technology;
It can reduce the use of cash currency; it can provide settlement services, facilitate shopping and consumption, and enhance a sense of security; it can simplify payment procedures and save social labor ; Can promote product sales and social demand.
Card opening:
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
Why can’t Alipay pay with credit card?
First, let’s analyze the reasons why credit card cannot be used.
Then open Alipay and enter the homepage and click on the payment function.
Enter payment and click the payment method below, click "Add Bank Card" to enter the cardholder and credit card information, and click Next.
Finally enter the validity period and mobile phone number, next step, receive, enter the verification code, next step, add successfully and complete.
Some merchants do not support credit card payment, so there is nothing you can do in this case.
Alipay (China) Network Technology Co., Ltd. was established in 2004. It is a domestic third-party payment platform dedicated to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals.
Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It has two independent brands: "Alipay" and "Alipay Wallet". Since the second quarter of 2014, it has become the world's largest mobile payment manufacturer.
Alipay has established strategic partnerships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner of financial institutions in the field of electronic payment.
In February 2020, the Nepalese central bank issued a license to Alipay. In July, Alipay was selected into the list of outstanding blockchain solutions to fight the epidemic. In October, Alipay launched the "late payment" function.
In December 2021, Alipay and China UnionPay realized mutual recognition of payment code scanning across the country. Alipay borrowing can be changed to credit loan. On December 2, Alipay issued an announcement stating that Alipay and China UnionPay will begin close communication and exploration based on barcode interconnection business in 2020, and will gradually implement it in Beijing, Tianjin, Guangzhou, Shenzhen, Chengdu, Chongqing, Xi'an and other cities. Scan the payment code to recognize each other.
In February 2022, Alipay announced the "Summary of Supporting the Development of Chinese Women's Football": a total of 250 million yuan has been allocated to the Chinese Football Association.
Main functions: Support Yu'ebao, and check financial income at any time;
Support various scene relationships, group chat and group payment are more convenient;
Provide local life services , pay for orders and enjoy discounts;
Establish family accounts for children and parents;
Check Taobao bills, account balances, and logistics information anytime and anywhere;
Free cross-border interbank transfer Transfer, credit card repayment, recharge, and pay water, electricity and gas bills;
Repay credit cards, make payments, bill payments, recharge phone bills, and smart reminders for card and coupon information;
Walking donation, supports access to iPhone With health data, you can walk and interact healthily with your friends, and you can also participate in charity.
Ant Forest obtains energy through a specific method. The energy can grow into a tree. After growing up, a physical tree can be planted in a certain area in reality.
I can’t pay with Alipay and CCB credit card, what should I do?
Alipay supports binding China Construction Bank credit card and using it for payment.
The failure to pay may occur in the following situations:
The credit card payment entrance cannot be found in the payment method that pops up during payment, which means it is grayed out and cannot be clicked to select.
When paying, the system will automatically identify whether the transaction supports credit card transactions based on the account conditions of both the user and the seller. Currently, this cannot be manually interfered with; because it is a comprehensive real-time assessment, there are many situations, including situations where the merchant has not opened a credit card for payment. , it is recommended to change to other payment methods or try to pay again later.
2. You can pay with a credit card, but an error will appear on the payment page
This situation rarely occurs. It usually occurs during bank system maintenance. You can consult the bank customer service for details.
At present, Alipay Construction Bank Credit Card Express supports payment scenarios including: Taobao Market, Tmall Mall, Alibaba, and some external merchants (subject to the cashier display).
Extended information:
China Construction Bank Credit Card currently has more than 100 credit card products in multiple series such as Dragon Card Family Favorite Card, Global Popular Card, Tencent Game Card, etc., to meet the needs of customers at home and abroad. Various consumer needs such as transactions, family care, and installment financial management.
You can check the relevant information processing business through the following methods
1. Dragon Card Credit Card WeChat Official Account
Add the "Dragon Card Credit Card" official account through the WeChat client , you can learn about the latest Dragon Card credit card information, card usage tips, safety guides and other information at any time. You can also inquire about special merchants and participate in various preferential activities.
2. Customer service hotline
Call CCB’s 24-hour service hotline (dial 86 from abroad - any domestic area code - CCB customer service hotline), select "Credit Card" according to the prompts, and you can conveniently Handle various credit card services such as bill and points inquiries, card opening and password services, limit inquiries and adjustments, foreign exchange purchase and repayment, progress inquiries, etc. If your credit card is lost or stolen, you can choose the lost card menu to report the loss to protect your account security.
3. SMS
Edit SMS 114 to the official CCB credit card customer service hotline to inquire about credit card accounts and limits, as well as handle installment payments, repayments, points redemption and other services.
Function and operation method: Edit the text message 114 to the official customer service hotline of China Construction Bank Credit Card, and perform corresponding reply operations according to the text message code content, so that you can easily inquire and handle credit card business.