Wechat Alipay Now Needs To Charge Money Saving Strategy.

In March 1st of this year, WeChat began charging fees for withdrawals, while Alipay was always free, which prompted many mobile payment users to flock to Alipay. But yesterday, Alipay announced that it will charge 0.1% of the service charge to users who have exceeded the free quota since October 12, 2016. The total amount of basic free cash withdrawals for individual users is 20 thousand yuan per person per lifetime. Unlike WeChat's cash charging rules, Alipay provides users with a way to raise money. Users can use ant score to exchange more free cash withdrawals. In addition, users use Alipay consumption, financial management, payment, credit card, mobile phone recharge and so on, which are not affected by this rule adjustment.

Since March 1st this year, WeChat has started charging 0.1% of the user's cash withdrawals, and each user has a total of 1000 yuan free cash withdrawals. Yesterday, Alipay also announced that it had joined the camp of cash withdrawals. According to the announcement, Alipay will charge a service charge of 0.1% of the amount of the withdrawal amount beyond the free quota. The fee for a single service fee of less than 0.1 yuan is charged at 0.1 yuan. The difference is that Alipay's individual users can enjoy a basic free cash withdrawal amount of 20 thousand yuan, which is 20 times that of WeChat.

Many users have raised doubts about the scope of Alipay's withdrawals. Reporters learned that, compared to the change of WeChat can only cash to my bank card, Alipay withdrawals refer to my bank card and transfer to others bank card. Alipay staff told reporters: "as long as the transfer of Alipay to the bank card is a cash withdrawal, whether the card owner is myself or others, the source of funds is Alipay balance or bank card funds."

Prior to this, WeChat charges a fee for the transfer function while collecting fees. But the above staff told reporters that WeChat transfer can not be transferred to the other bank card, and the money transferred to the other side is still in the other's change, which means transferring the fee to the payee. However, although the transfer of bank cards to others in the future to charge, but the use of mobile phone Alipay transfer to Alipay account, the use of Alipay for consumption, credit card repayment, financial management, purchase insurance, mobile phone recharge, water and electricity coal payment, registration, payment of traffic fines will not be affected.

For the attention of the balance of treasure, Alipay announced that the balance of treasure funds transferred out, including transferred to my bank card and transferred to Alipay balance will continue to be free. However, from October 12, 2016 onwards, the funds transferred from the balance of the new balance to the balance can only be transferred back to the balance and can not be transferred directly to the bank card.

Alipay also provides a scheme to increase the amount of user's ant score can be used to convert the amount of free cash withdrawals. At present, the 1 ant points can be exchanged for 1 yuan of free cash withdrawals. Alipay introduces, earn Ant score The way is to use Alipay's various functions. "Shopping on Taobao Tmall, using Alipay flowers, credit card repayment, and Alipay offline consumption all have 5 to 10 points to accumulate." It should be noted that ant score has a deadline and is cleared once a year.

As for the reasons for collecting cash charges, Alipay said in its announcement that "the cost of comprehensive operation has increased rapidly". The adjustment of cash withdrawal rules is aimed at alleviated part of the cost pressure.

Prior to this, WeChat announced that it was not pursuing revenue, but also used to pay bank charges. Ma Huateng has said that consumers pay for the third party payment, and the merchant will pay the service fee to the third party. But if it is a transfer between individuals, "after third party accounts, they will go back once they get in and out, and they will not be there for a day." Ma Huateng called him, "I will bear 1/1000 of the cost if I go in and out," he said. Even if the interest income that the third party payment platform can get, the cost of WeChat in January will still exceed 300 million.

Users do not need to make a fuss about Alipay charges. Before the Alipay transfer bank card 2 hours arrival service, from the computer terminal operation is to pay, with the increase in operating costs, mobile terminal collection fee is predictable.

The reason for the cost is certainly on the one hand. However, many people in the industry pointed out that whether it is WeChat or Alipay, the more important intention is to encourage users to leave their money in their own system and spend directly through cash withdrawals. From the change of Alipay itself, we can see that in its own APP, it has integrated the channels of word of mouth, life circle and so on, and the intention to create its own consumption ecology is very obvious. In the first quarter of, Tencent reported that the volume of transactions paid by WeChat has soared. The industry generally believes that it should be related to WeChat's cash withdrawals. It was half a year later than WeChat, and the fee was raised. Alipay still made a lot of efforts in some minor rules.

First, to transfer to her bank card, and to transfer the money from her A bank account to any one of her bank accounts without taking any fees, but WeChat can only refer to the original bank card through the way of financial management. It is the same reason to buy money. Alipay's new rules only limit the purchase of the balance of Alipay's balance, that is, it can only redeem the balance, but it has nothing to do with the purchase of a bank card, but WeChat can only redeem it to the original bank card.

And there are sellers who have plenty of water. Alipay There is no need to worry about the seller and the seller of the enterprise. The cash balance of Alipay is still free to the bank card, while WeChat is only free for the enterprise micro business, and the account of personal micro business is the same as the personal account. For users, the most concern is how to save money by rules. After all, fly legs are meat. Through Alipay cash to bank card, because many users often use it before free, after adjusting the rules, you must first add the money of your next bank card into the balance treasure, then withdraw it through the balance treasure to another card in your name to avoid it. Service Charge 。

What is the best way to transfer money to others without considering the handling fee? The best way is to use the free transfer function of mobile banking, especially when it involves large transfers such as rent, business and so on. In February this year, the five major lines of the establishment of diplomatic relations between workers and peasants announced that they would be free from fees and charges for transfers and remittances of individual customers through mobile banking. And the joint-stock commercial banks have already implemented the free policy of mobile banking transfer.

The reporter understands, now whether WeChat payment or Alipay, the credit card repayment function is not charged. The user first chooses a credit card that does not have any arrears and satisfies the "free payment for cash payment", chooses the "credit card repayment", enters the amount to be withdrawed, and then confirms the payment, then it can wait for the repayment amount to arrive. "Overpayment" is simply the extra amount after deducting the credit card debt. Therefore, only by transferring credit cards without debts can they transfer money from Alipay coins to bank cards. It should be noted that different banks have different policies for cash withdrawals. Users can consult the issuing bank of the next credit card before applying this function.

According to the regulations of Alipay, from October 12th, the withdrawal of the balance will be determined according to the source of funds. The funds transferred from the bank card will still be the bank card. The funds transferred from the balance will be returned to the balance, and it can only be withdrawed from the balance, which needs to be charged in excess of 20 thousand parts. In the adjustment of this rule, Alipay's policy tilt towards the balance treasure is still obvious. The balance of treasure can be directly used for consumption, and it can realize the card to card free under my name. Some people said that before October 12th, users would transfer their balance to the balance treasure, not only for consumption at any time, but also for their bank cards after October 12th. "If there is money in the balance to worry about being charged, it will be the best choice to transfer money to the balance treasure now."