Credit cards cannot be used for Alipay shopping payment in order to avoid arbitrage.

Cash-out, short for cash withdrawal, generally refers to the exchange of cash benefits through illegal or false means.

Mostly used for cashing out credit cards, provident funds, securities, etc.

According to the "Interpretation of Several Issues Concerning the Specific Application of Laws in Criminal Cases Obstructing the Management of Credit Cards" by the two top governments, cashing out refers to violating national regulations and using point-of-sale terminal machines (POS machines) and other methods to fictitious transactions and fictitious transactions. Pay cash directly to credit card holders through price opening, cash returns, etc.

In China UnionPay's "UnionPay Card Acquirer Merchant Risk Management Rules", the definition of arbitrage behavior is: the merchant colludes with bad cardholders or other third parties, or the merchant itself uses virtual transactions to arbitrage cash.