If the seller does not open the credit card payment function, the buyer can actually choose credit card payment through the online banking payment channel.
There is no charge for opening this function, but the charge is 1% of the single transaction amount of the credit card.
That is, if the buyer pays 100 yuan (including baby and freight) by credit card, you will be charged 1 yuan. Deduct directly from Alipay account.
Open credit card payment function:
I am the seller → I want to place an order → Pay by credit card → Place an order now.
Important note:
There is no need to pay by credit card. Only when the buyer pays by credit card will Taobao deduct the corresponding handling fee!
Some sellers can't open it. The following are the open conditions:
Taobao sellers with real-name authentication can apply to join the "credit card payment business" if they meet the following conditions:
1, consumer protection seller
2. Alipay mobile phone binds users
3, temporarily closed categories include:
Adult products/contraceptives/underwear; Jewelry/diamonds/gold/Zhou Shengsheng; Online game equipment/game currency/account number/substitute training; Online game point card; Network services/computer software; Online shop decoration/logistics express/picture storage; Tencent QQ area; Mobile/Unicom/PHS recharge center; IP card/VoIP/online video recharge
4. In addition to the above conditions, in order to control risks, we have a series of audits on the seller's transaction activity and stability, and only after the audit can we successfully apply.
The advantage of opening credit card payment is that it can greatly increase sales, which is Taobao's commercial propaganda.
It is certain that there is promotion, but the point is not like this, it is a flicker.
If you don't open credit card payment, buyers want to buy it, and they won't give up just because you don't support credit card payment.
That is a very small factor. Buyers will pay through online banking.
And through the online banking payment channel, you can actually choose credit card payment.
So credit card payment, in addition to collecting money from Taobao, brings benefits to banks, isn't it good for us?
Then online banking also supports credit card payment. Why do sellers open special credit card payment?
There are advantages. Credit card payment can support large payment.
If you pay by online banking, general banks stipulate that credit cards have payment limits, such as 500 yuan.
However, credit card payment channels can break through this restriction.
Then it is very convenient for users who pay more than the limit at one time.
You don't need to recharge your account repeatedly enough money, and then pay directly by credit card.
Therefore, credit card payment will improve the payment experience of high-priced shopping users.
For those businesses with high sales value and large average single transaction volume of users, it is still necessary to open them.