The reasons why Alipay does not have Huabei are as follows: 1. There is no real-name authentication. Alipay accounts require a new ID card for real-name authentication.

Alipay without real name has many restrictions, including the inability to open Huabei.

2. Alipay is not active enough. Huabei is not only related to Zhima Credit Score, but also comprehensively evaluated based on the recent login records, transactions, and operations of the Alipay account, as well as the comparison between my Alipay account and other accounts.

3. For credit card issues, Huabei may have problems with your personal credit. You can bind a credit card for quick payment or pay off your credit card frequently to get Huabei. Only when your Sesame score is above 600 can you open Huabei.

4. At present, Huabei products have been officially launched, and the target groups are gradually expanding. Personal Alipay is not within the scope of the activation status.

?Extended information If the buyer chooses a funding channel related to the post-paid service (such as "Huabei", etc.), the payment service will be provided according to the agreement of the funding channel.

When using the postpay service, the amount under the transaction will be paid to the seller's account when the buyer makes payment or confirms receipt.

When paying with "face-to-face payment", the payment can be completed within a certain amount without entering a password. The amount determined by the merchant will be deducted from the assets (deduction channel depends on the situation) to the merchant.

If a deposit is required by a merchant such as a hotel or leasing company, you agree when you use "face-to-face payment" to pay: the merchant can restrict some assets (deduction channels will depend on the situation) as deposits, and authorize the merchant to deduct from the deposit assets.

The final consumption amount (including liquidated damages, if any) will be deducted, and the remaining deposit will be released at the same time; the aforementioned restrictions include freezing of Alipay account funds equal to the deposit, freezing of the monetary fund shares corresponding to the Yu'E Bao service, and freezing and binding of Huabei quota.

The funds on Alipay's bank card are frozen after withholding.

You may not use the service to engage in behavior that infringes upon the legitimate rights and interests of others or violates national laws and regulations, such as using other people's bank cards without authorization, or using credit cards or Huabei to withdraw cash; conducting transactions that are inconsistent with the transaction content claimed by the counterparty.