Why can’t I pay if I have a quota?

Why can’t I pay if I have a quota of Huabei?

1. Merchants do not support Huabei payment

In fact, although Huabei can be used for payment in most Tmall and Taobao stores, there are still some stores that have not opened it. Huabei collects payment. If the online store or offline store where the user purchases does not have Huabei payment and merchant collection codes enabled, the user will not be able to use Huabei to pay, which will result in a situation where Huabei has a limit and cannot make payments.

2. Huabei is overdue

According to Huabei’s risk control system, once a user’s Huabei is overdue, Huabei’s system will carry out risk control. If the user is often overdue, or the overdue amount is relatively large, Alipay may block the user's Huabei. Therefore, when using Huabei, we must repay on time and maintain a good credit record.

3. Exceeding the Huabei quota

Although users have obtained Huabei quota, they can theoretically use Huabei to purchase goods of any value. But in actual situations, Huabei also has recommended limits. Especially when using Huabei for face-to-face payments, when the payment amount exceeds the limit for face-to-face payments with Huabei, you cannot use Huabei for payment.

4. Illegal cashing

If a user commits illegal cashing when using Huabei, the Huabei system will automatically be locked by risk control. After being locked by risk control, users cannot use Huabei to make payments even if they have a Huabei quota. Why can’t I use my Huabei credit limit?

Huabei still has a credit limit, but it cannot be used. This may be due to the following reasons:

1. The merchant does not support the use of Huabei for payment. At this time, Huabei has a credit limit, but When paying with Alipay, Huabei cannot be used as a payment method.

2. After the current transaction scenario is judged by the system, Huabei payment is not supported.

3. If the amount paid is greater than Huabei’s available limit, Huabei will not be able to pay successfully even if there is a limit.

4. Some functions of Huabei are restricted. At this time, Huabei can only make repayments and cannot be used for consumption. Why Huabei has a credit limit but cannot pay?

If Huabei has a credit limit and cannot pay, it may be due to the following reasons:

1. The merchant who purchased the product has not yet opened Huabei. The payment collection function does not support Huabei payment (when multiple items are combined for payment, if only one item does not support Huabei payment, the customer will not be able to use Huabei payment transactions).

2. Consumption industries are prohibited, such as real estate, wholesale, stock funds, financial investment, etc.

3. Due to credit damage caused by recent overdue repayments, the Huabei function has been restricted.

4. The system detects risks in the current trading environment and restricts transactions, such as suspected fraud.

5. Due to the recent frequent changes of devices to log in and the constant modification of account information (changing bank cards, changing certified mobile phone numbers, etc.), the account risk increased, so the system carried out risk control.

6. The transaction amount exceeds the specified limit, and the customer can only wait until it is restored before using it.

But everyone also needs to note that if you want to withdraw the quota, it is impossible to do so. Because Huabei can only be used for consumption payments and cannot be transferred or withdrawn. If you want to withdraw the quota, it is an illegal tx operation and will be deemed by the system as an inauthentic transaction.

Tag: Huabei

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