The biggest difference between Alipay and WeChat Pay is its different positioning. 1. WeChat Pay is suitable for daily small-value payments and strong social attributes, such as sending red envelopes and AA accounts; Alipay is more inclined to the role of "wallets", which is suitable for charging phone bills, paying water and electricity bills, and financial management. 2. The offline payment experience is close, but it is faster to directly display the payment code on the WeChat payment homepage, while Alipay will recommend merchants according to habits and provide points cashback activities. 3. In terms of security, Alipay supports dual-factor verification of fingerprint and passwords and financial insurance, which is more secure; WeChat Pay has a risk of inducing scanning codes due to its close social bonding, so it is recommended to turn off the password-free payment function. 4. In terms of internationalization, Alipay has a wider coverage overseas, especially suitable for tourist cities in Southeast Asia and Europe, and is more suitable for people who often go abroad. Both have their own advantages, and it is recommended to choose to use them according to the scene.

The biggest difference between Alipay and WeChat Pay is its different positioning. Alipay was a product centered on payment and finance from the beginning, while WeChat Pay was a payment method developed based on social relationships. Both can scan the code to pay, transfer money, and manage finance, but the usage scenarios and functions focus are different.

1. Usage scenario: Who is more suitable for daily micropayment

WeChat Pay is embedded in WeChat, which is more convenient to use, especially suitable for operations such as sending red envelopes between friends and AA accounts sharing. Many people are used to using WeChat to pay when chatting, sending and receiving red envelopes.

Alipay is more inclined to the role of "wallet", such as charging phone bills, paying water and electricity bills, buying funds, and repaying credit cards. Alipay's entrance is more concentrated and its functions are more complete.

For example:

• It is easier for friends to use WeChat AA after a dinner party, just start it directly in the group.
• Check credit card bills and repay credit cards. Most people are still used to opening Alipay

2. Offline payment: Is there any difference in scanning the code experience?

In fact, the payment process of scanning codes for the two is similar. Both open the APP to scan or show the payment code. However, there are slightly different details:

• The default payment code for WeChat Pay is placed on the home page without clicking on the secondary page, which is faster for experienced players.
• Alipay will automatically recommend payment methods based on the merchants you often go to, such as going to convenience stores frequently, and it will remember the discount information.

In addition, Alipay sometimes cooperates with merchants to conduct points and cashback activities, and WeChat Pay is more based on official accounts for marketing.

3. Security and Account Management: Which is safer

Alipay has done more detailed security, such as:

• Supports two-factor verification of fingerprint passwords
• Reminder for abnormal account login is more timely
• There is also "funding insurance", if it is stolen, you can apply for compensation.

Because WeChat Pay is too tightly bound to social networking, it is sometimes easily induced to scan the code and make payments incorrectly. For example, someone pretends to be a customer service and asks you to scan the QR code to refund the money, and you may be cheated if you are not careful.

suggestion:

• Set gesture password or fingerprint unlock for Alipay
• Turn off the "Pass-free payment" function on WeChat to avoid children spending money indiscriminately

4. Internationalization degree: Can it be used when leaving the country?

Currently, Alipay has a wider coverage overseas, especially in popular tourist cities in Southeast Asia and Europe, and many stores support Alipay. WeChat Pay is also expanding, but it is mainly concentrated in Chinese gathering areas or some chain brands.

If you often go abroad, it is recommended to tie Alipay to your international credit card so that the exchange rate is more transparent when spending locally.

Basically all of this is it. Both payment tools have their own advantages, and most people install both. Use WeChat for daily social services, pay financial fees for Alipay, and just choose the specific scenarios.

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