The official latest version of Alipay is an excellent payment Software , integrating payment, financing and our daily life Life service , and government affairs Services, public welfare activities and other scenarios are both payment assistants and payment of water and electricity fees. Please download and use them.
Software Introduction
Alipay app comes from Ants Alipay app, under Financial Services, focuses on everyone and has 1 billion users worldwide platform 。 At present, Alipay has developed into a combination of payment, financial management, life services Government services , public welfare and other scenarios industry Open platform.
In addition to providing basic functions such as convenient payment, transfer and collection, Alipay app can also quickly complete credit card repayment, phone charging, water, electricity and coal payment! adopt intelligence voice robot One step access to hundreds of life services, not only can enjoy consumption discounts, but also can easily finance, accumulate credit, and make life more simple ！
Software features
authentication
Users need real name authentication to use payment services, which is required by the Central Bank and other regulators. After real name authentication, you can open stores on Taobao, add more payment services, and more importantly, help improve your account security Sex. Real name authentication needs to verify the member's identity information and bank account information at the same time.
Individual payment accounts are divided into three categories. The functions, quotas and information authentication standards of various accounts are different. Among them, only one external channel is required to authenticate customer identity information for Class I accounts, for example, online verification of resident identity card information, and the corresponding payment limit is only the limit of 1000 yuan accumulated since the account was opened. This kind of account balance can be used for consumption and transfer, and is mainly applicable to small amount and temporary payment of customers. The real name authentication intensity of Class II and Class III accounts is relatively high, and the customer identity information is verified through at least three and five external channels respectively. Among them, the balance payment limit of Class II account is 100000 yuan accumulatively annually. The balance payment limit of Class III account is 200000 yuan accumulatively annually.
wallet
Alipay can also be used on smart phones. The mobile phone client is Alipay Wallet. Alipay wallet has the function of computer version Alipay, and because of the characteristics of mobile phones, it contains more innovative services. Such as "face-to-face payment", "QR code payment", etc.
security
Payment involves the security of users' funds, so it is essential to follow the official security regulations. Such as safety control short message Calibration service number Certificate, third-party certificate, Alipay Shield, Baoling, mobile version of Baoling, security protection issues, security strategy , mobile phone security settings, etc. Alipay is available for almost all payment services. from shopping To pay for water, electricity and gas, and there is a trend to partially replace cash.
repayment
Alipay launched credit card repayment service, which is supported by credit cards issued by 39 domestic banks. It is the most popular third-party repayment platform. Main advantages: free check of credit card bills, free repayment, automatic repayment/repayment reminder and other value-added services. It is recommended to use Alipay wallet.
transfer accounts
There are two types of transfer through Alipay: 1. Transfer to the Alipay account, and the funds will instantly reach the other party's Alipay account; Limit of transfer to Alipay account 2. Transfer to bank card. Users can transfer to their own or others' bank cards. More than 100 banks are supported, and the fastest time is 2 hours. Support the bank and time of receipt, and the limit of transfer to bank card
pay
Water, electricity and coal payment Education payment , traffic fines, cable TV fees, etc.
Yu Ebao
Yu'e Bao is a financial service launched by Alipay, but it can also be used for daily shopping, credit card repayment and other payments. When it is used for payment, the advantage of Yu'e Bao lies in its large amount and high payment success rate. For Yu'e Bao can also obtain financial benefits when it is used for payment. The proportion of Yu'e Bao in Alipay is gradually increasing.
Recharge
Alipay card is a self owned prepaid card issued by Alipay. The funds in the card can be used when all merchants supported by Alipay purchase goods, temporarily supporting days cat Shopping Mall And Taobao platform. The face value of Alipay card is 100, 200, and the card needs to be used within the validity period, which is 36 months. If the payment is overdue, it can be postponed, and can continue to be used after the delay. Alipay card is unregistered and does not report loss. In case of return, the funds paid by Alipay card will be used to return to the card account without withdrawal.
payment
Alipay users can also go to nearby convenience stores, post offices, pharmacies and other Alipay cooperation outlets to complete payment. There is no need to open online banking, offline payment problems can be solved by swiping cash.
Self service terminals such as "Lakala" and shop owners of air recharge stores can pay for Alipay orders. The cooperation network covers Beijing Shanghai , Guangzhou, Shenzhen, Hangzhou, Chengdu and other 25 large and medium-sized cities, with a total of 100000 outlets.
Payment on behalf
Alipay supports the function of "find someone to pay on behalf". You can select an Alipay user who is willing to pay on behalf, and then you can notify the payer to pay on behalf.
International air travel
When it is necessary to go abroad travel Alipay also provides users with air tickets hotel Foreign Travel? RMB purchase service of products. Alipay supports 30 international companies such as Singapore, the United Arab Emirates, Ganglong, Korea and All Day aviation Air ticket purchase on the company's official website, as well as UPTP Agoda、HotelClub、 Air tickets and hotel reservations on international business travel platforms such as Asia Holiday provide users with a shortcut to purchase global air tickets and hotels.
Overseas transshipment
As some overseas merchants have not yet provided direct mail service to China, Alipay has cooperated with the Overseas Forwarding Service Department to launch a one-stop overseas forwarding service. Users can use Alipay "overseas transshipment" when overseas shopping application The provided transshipment warehouse address is used as the receiving address for shopping. After the transshipment warehouse receives the goods, the user can pay the freight through Alipay and wait for the delivery of the goods from the merchant, and can follow up at any time logistics Information.
Secured transactions
In order to solve the problem of mutual distrust between buyers and sellers in online transactions, the Finance Department of Taobao tried to establish guarantee transactions as a credit intermediary.
The transaction process is as follows: 1. Consumers take photos of online goods and pay money to sellers. At this time, the money is frozen by Alipay. 2. Alipay will notify the seller of the payment result. 3. The seller delivers the goods, and the consumer receives the goods and confirms the payment; 4. Alipay funds into the seller's account according to the consumer's instructions;
Taobao Finance
Consumers can make financial choices like Taobao shopping on Taobao's financial management, which can be completed on the platform from screening financial products, purchasing transactions and future management.
At the same time, Taobao Financial also adheres to the openness of small and micro groups, introducing unique financial institutions such as Zhaocai Treasure tradition In addition to financial products, it provides customized and characteristic financial products to Internet users.
TaoBao Insurance
Based on Taobao, Taobao Insurance Platform aims to deliver risk protection and characteristic protection products to Internet users, and realizes the whole process of Internet based insurance purchase, management and claims settlement. Domestic mainstream insurance companies have settled in Taobao Insurance, and the insurance products presented on the platform also include automobile insurance, health insurance, life insurance, accident insurance, travel insurance and other types.
In addition, according to the characteristics of different security groups, Taobao Insurance has built the first microenterprise in China to serve enterprise Leyebao is a guarantee platform for employees and entrepreneurs. By delivering customized and low-cost commercial insurance to this group, we can improve their lack of security.
Using Tutorials
How to activate Alipay account when logging in Alipay via mobile phone
1. There are two cases of account inactivity [mobile phone account inactivity]【 mailbox Account not activated - activated]
Open Alipay on your mobile phone, enter your account name and login password, click Login
2. If the account is not activated and the active page prompts [Account registration is not completed], click [Continue registration]
3. After setting the 6-digit payment password, click [OK]
4. After receiving and filling in the SMS verification code, click [Next] to complete account activation
5. If the email account is not activated, you can choose to log in to the computer terminal to operate activation or register other Alipay accounts
