[Introduction] Many banks raise borrowings on Alipay or WeChat payment platformsRemembering Card Express Payment Limits
China Fund News reporter Wang Jian Qiang Tianxin
In order to improve customer payment experience, Bank of Communications, China Merchants Bank, etc.Many banks have raised the debit card fast payment limit on the Alipay or WeChat payment platform.
Raise Bank of Communications
The debit card Alipay quick payment limit
There are also big banks to improve Alipay fast payment limit.
Recently, the official website of the Bank of Communications issued a notice on adjusting the Bank of Communications Card Alipay Express payment limit.The notice states that in order to improve the customer payment experience, starting from November 18, 2024, the fast payment limit for the debit debit card in the Alipay consumption scenario will be increased to RMB 200,000, a daily cumulative 200,000 yuan, a monthly cumulative 6 million yuanEssence
At the same time, other scenarios such as Alipay transfer, wealth management, and repayment continue to maintain the current limit standard, that is, a single 50,000 yuan, a daily cumulative 100,000 yuan, and a monthly cumulative 600,000 yuan.For the specific limit, please refer to the page of the customer on the Alipay APP actual payment.
Previously, the banks Alipays default limit was 50,000 yuan, 100,000 yuan a day, and 600,000 yuan a month, but it was possibleApplying in the Bank of Communications apps to increase the limit to a single and 100,000 yuan per day.
The current limit of WeChat payment is still a single 50,000 yuan, 100,000 yuan a day, and a single month of 600,000 yuan.
Public information shows that before this adjustThe single limit ranges from 30,000 to 50,000, respectively. After this adjustment, it means that in some consumer scenarios, the Alipay fast payment quota of Bank of Communications users has increased by 150,000 yuan.
Many banks have been lifted in the year
The BankThe big line.Recently, China Merchants Bank, Postal Savings Bank, etc. have been raised.
On September 30, China Merchants Bank issued a notice on the official website that starting on October 10, the banks debit card on the fast payment transaction of the Alipay consumption scenario was raised200,000 yuan a day, 200,000 yuan a single pen.The trading limit for wealth management, transfer and other scenarios continued to maintain the current single -day 50,000 yuan and 50,000 yuan.
Previously, the postal savings bank also said on the official website that in order: 40,000 yuan, a single day of 80,000 yuan, a monthly cumulative 600,000 yuan; Among them, the fast payment transaction limit for the financial scenario debit card is adjusted to: 300,000 yuan a single pen, a daily cumulative 300,000 yuan, a monthly cumulative 600,000 yuanEssence
It is understood that Tenpay is a third -party payment platform under Tencent, and WeChat payment mainly relies on the payment platform.
From the above cases, it can be seen that the original intention of the banks to raise the amount is to enhance the customer payment experience.With the amount, the postal savings bank is adjusted for WeChat payment users.
Industry insiders pointed out that this measure is mainly to cater to consumers habits and the current development trend of mobile payment.Given the increasing diversification of users demand in payment, their requirements for the convenience and limit of payment have continued to increase.After increasing the payment limit, users will experience smoother when dealing with large consumption or capital transfer, thereby increasing the satisfaction and trust of the users satisfaction with banks and third -party payment service providers.
Some analysts believe that banks initiative to increase the fast payment transaction limit for Alipay and WeChat payment, or to promote consumption.For banks that have not taken action, they may also adjust the payment limit at appropriate time according to their business expansion needs and risk management capabilities.
Edit: Joey
Review: Woodfish
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