How can Industrial QQ Show Virtual Credit Card be associated with Tenpay?

The so-called association

is to bind your bank card with your Alipay

(in fact, it is equivalent to Alipay cartoon)

It can be set in Tenpay

Click on the one-click setting in Tenpay to be OK!

How to complete the payment of Coursera certificate

Hello! There are two ways. One way is to use TenPay to open international and overseas payments, and then you will get a virtual credit card, and then you can use this card to pay the Coursera certificate; The second method is to download the Coursera client with an ios device, and use the bank card bound by appleid when paying.

What is an online credit card

Background editor

As early as the second half of 212, Ma Weihua, then the president of China Merchants Bank, proposed the strategy of "eliminating credit cards" in the next few years. In November 212, Ma Mingzhe, Chairman and CEO of China Ping An, also said that it is expected that "within ten years, 5%-6% of credit cards and cash will be gone. The emergence of online credit cards just confirms this statement.

In October p>213, AliPay, a foreign trade service company under Alibaba, launched the "Alibaba Virtual Credit Card" business to provide credit lines to overseas buyers. With the launch of Ali credit loan, there are still rumors in the market that Alibaba wants to apply for a banking license from time to time. Despite holding huge customer data, Alibaba's financial business is still only a supplement to the banking industry, and it is still difficult to break through. Due to the inability to absorb deposits, Ali Finance will have very high requirements in controlling the bad debt rate, which in turn will affect its lending scale. The transaction costs of UnionPay retailers are generally above 1%, and most of them are still taken away by banks. Alibaba launched preferential rates at this time, which is intended to attract more users.

The Internet war between Tencent and Alibaba in 214 accelerated the birth of this new thing. In the end, Alibaba Group took the lead in exposing this network product and put it into use after March 16th, 214. [2]

2 WeChat official account, who applies to use the editor

to pay attention to CITIC Bank's credit card in Alipay wallet, can apply for and obtain this online credit card online immediately through the "Quick Card Processing" portal of WeChat official account

first online credit card detail map exposure

. After the application is approved, the system will send a corresponding credit card to the user. Users can make online shopping, mobile payment and other consumption by binding this account with Alipay account and opening fast payment. After users apply for online credit cards, they can also apply for corresponding physical credit cards online.

China CITIC Bank will decide whether to approve this physical card application according to the user's personal credit information. If the user meets the requirements for applying for a physical card, CITIC will deliver the physical credit card to the user by express delivery. This physical credit card, like other physical credit cards, can be used to swipe the card online in the store. The interest-free period of Alipay online credit card is 5 days, and the credit line starts in 2 yuan. In WeChat official account, a credit card of CITIC Bank in Alipay wallet, users can also check the consumption limit and points of online credit cards at any time and make online repayment. [1]

3 editing of payment limit

The first trial of Alipay's credit card issuance scale is 1 million. In terms of credit line, the credit line of Alipay online credit card started in 2 yuan, and the upper limit is determined according to the personal network credit, which is generally up to 5,. If the consumption record and credit record are particularly good, the credit line can be gradually increased. Alipay said that the specific quota approval is determined by online consumption records. For example, paying back credit cards through Alipay, the higher the frequency of using Alipay, the more credit data, and the easier it is to obtain the quota.

In addition, both Alipay and WeChat credit cards use the Internet, which has changed the tedious process of submitting materials for approval in traditional credit cards. Alipay achieves instant application and immediate approval. Wechat credit card can complete credit card approval in 1 minute, which is available immediately. The partner also includes Zhongan Insurance, which is the first time that a credit card has introduced an insurance model to reduce the credit risk of customers and the risk of bank assets. [3]

4 User coverage editing

The credit payment function will cover 8 million Alipay users. In order to attract sellers to participate, the operation teams of Taobao and Alipay have divided the 8 million people into more than 1, groups according to the user attributes, and will open the group data to merchants in the future.

5 social evaluation editor

Alipay people also told reporters that Alipay will gradually benefit more banks through such opening actions. Apart from the temptation of the huge credit consumption market, the Internet channel can also save the bank's own card issuing cost. In the traditional mode, the cost of issuing a single credit card by a bank is about 8 to 1 yuan, while issuing 1 million online credit cards through Alipay can save nearly 1 million yuan in cost alone.

in order to make the risk management of online credit cards meet the regulatory requirements, AliPay and CITIC Bank have jointly established a risk management system. Based on the huge real-name user base and credit data held by Alipay, together with the original credit card risk management technology and credit data of CITIC Bank, it can not only serve as the basis for granting credit to consumers, but also become a key link of risk management. [4]

Alibaba will rebuild a financial credit system, in which no mortgage is needed, only credit is needed; No relationship, just credit. All the consumer technology data of Taobao and Alipay, regardless of anyone's transaction information and personal information in Taobao and Alipay, are clearly recorded, which is the most coveted fat for offline banks.

financial institutions such as Alibaba Small Loan and Alibaba Guarantee are preparing one after another. Alibaba Finance is defined by private financiers as increasing the transaction volume through credit lines, and it is expected that the market space will be large. Alibaba's internet financial innovation has impacted the loan business of small loan companies and the traditional deposit and loan business of traditional banking.

when an enterprise develops to a certain extent, it will definitely generate financial demand. Therefore, it is natural for Alibaba to provide financial services to enterprises on the platform. With a strong online membership platform, Alibaba and Tencent have gathered huge customer resources, and once they conduct in-depth customer development, the prospects are quite worth looking forward to.

central bank stops virtual credit cards

Netease Technology News On the morning of March 14th, the central bank issued an urgent document yesterday to stop Alipay and Tencent's virtual credit card products, and also stopped face-to-face payment services such as bar code (QR code) payment. Alipay responded that it has not received the relevant notice and is verifying it; Wechat said that it did not receive the notice.

It is reported that the payment and settlement office of Hangzhou Central Sub-branch of the central bank received the Letter from the Payment and Settlement Department of the People's Bank of China on suspending the offline barcode (QR code) payment of Alipay Company issued by the central bank. As mentioned in the letter, in order to prevent payment risks, the security of the verification method of relevant payment instructions is still in doubt. Virtual credit card broke through the existing credit card business model, and failed to fulfill its obligations in terms of customer identity. It also urged the two branches to ask Alipay Tenpay to completely suspend offline bar code (QR code) payment and virtual credit card-related business, and asked Alipay and Tenpay to report the detailed introduction, management system and operation flow of relevant products.

AliPay responded to Netease Technology that it has not received the relevant notice from the central bank and is verifying the news. Wechat said that it did not receive the notice.

can I recharge tenpay with a credit card? The correct way to use tenpay!

Many small partners have initially understood some rules such as credit card and Yu 'ebao, Alipay, Tenpay, p2p financing, online lending, etc., and started to aim at the "reasonable" cash-out of credit cards, because through the virtual consumption transactions of credit cards and these platforms, cash-out can be transferred. In fact, people who use it well are called financial management, and those who use it badly are called cashing out. So can credit cards recharge Tenpay? How to recharge? Can I cash out with TenPay?

1. The channel for recharging Tenpay with credit cards stops

In order to promote the healthy development of Internet payment services, Shenzhen Tenpay Technology Co., Ltd. has stopped all bank credit card recharging services to Tenpay accounts, but it can still use credit cards to pay for online consumption. In other words, Tenpay used to be recharged by credit card, but now it's not working. Tenpay provides customers with a variety of recharge methods, such as one-stop service, online banking and mobile phone recharge cards. This is mainly to avoid the behavior of cashing out Internet credit cards. Compared with paying a certain handling fee for cashing through a physical merchant, the "zero cost" of cashing can be realized through Internet account transfer, and the whole process is very simple. Now credit card transfer to Tenpay belongs to credit card cashing, which is illegal.

1. It is risky to cash out credit cards by using TenPay

Credit card cashing is getting worse and worse, and many people are concerned about the credit card quota. Nowadays, once serious credit card cashing is detected, it is not only as simple as freezing the credit card, but also may be included in the personal credit information system, which will affect the credit information of cardholders.

cashing in a credit card itself has great behavioral risks. Although I got the cash, I didn't pay the handling fee and interest, but I still have to repay it in the end. On the due repayment date, if there is no money to repay, then the credit card is still making fun of its own credit information when it is overdue.

in addition, from the bank's point of view, cashing in credit cards affects the bank's business to some extent. Imagine that everyone withdraws the money from their credit cards, which is essentially a loan, and you don't pay the handling fee and interest. Do you want the bank to drink the northwest wind? The key point is that a small area of cash will trigger a large area of cash, which will affect the financial order and financial security.

This concludes the introduction of Tenpay Virtual Credit Card and how to cancel Tenpay Virtual Credit Card. Did you find the information you need?