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Table of Contents
What Can You Do with Alipay?
Who Uses Alipay and Why?
How to Get Started with Alipay

What is Alipay?

Jul 02, 2025 pm 02:28 PM

Alipay is a multifunctional digital payment platform developed by Alibaba Group that enables users to perform online and offline payments, money transfers, utility bill payments, and access financial and lifestyle services. 1. It supports transactions on e-commerce platforms like Taobao and Tmall, as well as QR code payments in physical stores. 2. Users can send money domestically or internationally depending on account type. 3. It allows for utility bill payments and mobile recharges without leaving the app. 4. The mobile wallet feature supports linking bank cards and storing e-wallet balances. 5. Financial services such as Yu’ebao, Huabei, and Jiebei are accessible. Alipay is widely used in China due to its convenience, security, and diverse features catering to consumers, merchants, and tourists. To get started, users download the app, sign up with a phone number, set a password, enable verification, and optionally link a bank card. Some advanced features require identity verification which may be limited for non-residents.

What is Alipay?

Alipay is a digital payment platform developed by Alibaba Group, primarily used for online and offline transactions. It allows users to make payments, transfer money, manage finances, and even access various lifestyle services—all through a mobile app or website.

What is Alipay?

What Can You Do with Alipay?

One of the main reasons Alipay is so popular, especially in China, is its wide range of functions beyond just paying bills or shopping online.

What is Alipay?
  • Online and Offline Payments: You can use it to pay on Taobao, Tmall, and many other e-commerce sites, as well as scan QR codes in stores, restaurants, and street vendors.
  • Money Transfers: Send money to friends or family within China or even internationally, depending on your account type.
  • Utility Bills & Recharges: Pay phone bills, electricity bills, water bills, and more without leaving the app.
  • Mobile Wallet Features: Link your bank cards, store e-wallet balances, and even get virtual prepaid cards.
  • Financial Services: Access products like Yu’ebao (money market fund), Huabei (credit line similar to a credit card), and Jiebei (short-term loan).

It’s basically a one-stop financial and lifestyle service tool that millions of people use daily.

Who Uses Alipay and Why?

Alipay started as a way to help buyers and sellers transact safely on Alibaba’s platforms like Taobao. Over time, it expanded into everyday life services, becoming essential for both individuals and businesses.

What is Alipay?
  • Consumers love it because it’s fast, secure, and often comes with discounts or rewards.
  • Merchants appreciate the low fees, instant settlements, and marketing tools like coupons and mini-programs.
  • Tourists and Foreigners can also use it if they link an international card, though some features may be limited without a local Chinese phone number or ID.

In short, Alipay became part of daily life in China not just because of convenience, but because it solved real problems—like how to securely pay online without credit cards being widely used.

How to Get Started with Alipay

If you're new to Alipay, setting up an account is straightforward:

  1. Download the Alipay app from your app store.
  2. Sign up using your phone number (international numbers are supported).
  3. Set up a password and enable security verification.
  4. Optionally link a bank card or add funds to your balance.
  5. Start using it for payments, transfers, or services.

Some advanced features like credit options (Huabei) require identity verification, which might be harder for non-residents.


That’s the basic idea of what Alipay is and why it matters. It’s more than just a payment app—it’s a lifestyle tool.

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How to delete my WeChat account permanently? How to delete my WeChat account permanently? Jul 11, 2025 am 03:12 AM

Yes, you can permanently delete your WeChat account, but the process is relatively complicated, and you need to meet multiple conditions and go through a 60-day cooling-off period. 1. Before deletion, make sure that the account is not bound to a mini program, third-party application or service, and there are no group chats and public accounts under management. Clear payment records and unbind the bank card; 2. Back up chat records in advance, unbind the bank card, exit or transfer administrator rights, and cancel follow the official accounts and mini programs that are no longer needed; 3. The operation path is "Me">Settings>Account and Security>WeChat ID>Lock the account. After submitting the application, you must complete the identity verification and enter the 60-day waiting period; 4. If you do not log in during the waiting period, the account will be permanently deleted, the information cannot be restored, and the WeChat account cannot be re-registered, but messages saved on other people's devices are

What are the daily and yearly limits for Alipay? What are the daily and yearly limits for Alipay? Jul 07, 2025 am 01:29 AM

The transaction limit of Alipay varies according to real-name authentication, binding bank card types and usage scenarios. The daily transfer limit is 50,000 yuan per day, the payment of scanning code generally does not exceed 50,000 yuan per day, the red envelopes are not exceeding 200 yuan, and the maximum is 100 per day; credit card-related operations are determined by the issuing bank. The total annual transaction volume usually does not exceed 200,000 yuan. Bind multiple bank cards or upgrade the account level can increase the limit. Users can apply for an increase in amount by completing identity verification, binding more bank cards, increasing account activity, or contacting customer service.

What is Alipay Huabei (Ant Credit Pay)? What is Alipay Huabei (Ant Credit Pay)? Jul 09, 2025 am 12:18 AM

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Can I use WeChat on two phones at the same time? Can I use WeChat on two phones at the same time? Jul 11, 2025 am 03:28 AM

Yes, but there are restrictions. ① You can log in to the same account on both iPhone and Android phones, but logging in to the latest device will cause the earliest session to be offline; ② You can log in at the same time on the mobile phone and the computer desktop, but the functions are not synchronized; ③ Although using third-party tools or dual-app functions can enable logging in between two mobile phones, it is unofficially supported and may violate regulations; ④ Alternative solutions include using web version/desktop version to match the main phone, or transferring chat records through cloud backup and file tools. Some Android machines can also use "dual applications" to run two account instances.

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Using Alipay International Edition will incur currency conversion fees, cross-border merchant payment fees and related bank card withdrawal fees. The specific details are as follows: 1. The currency conversion fee is 1% to 3% of the transaction amount, and the converted RMB amount will be displayed before payment; 2. Transferring money to the Alipay account through an associated international bank card may involve bank handling fees, and overseas ATM cash withdrawal does not support direct operation through Alipay, and the standard international cash withdrawal fee of the issuing bank is required; 3. When overseas merchants use Alipay, they can choose to settle in local currency or RMB. If RMB is selected, the exchange rate and fee will be displayed in advance. Some merchants may charge convenient payment fees, but it is rare; 4. It is recommended to choose a bank card without overseas handling fees, give priority to using it in countries where Alipay cooperates widely, and keep sufficient people in the account

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