Payment easy "resurrection" credit card cash

Morning News (Reporter Jiang Fan) Alipay with a credit card to recharge, shut down in 2012, but now from another channel "resurrection." Beijing Morning Post recently received a reporter reporter said that a paragraph called "payment easy" self-service payment terminal can use the credit card recharge Alipay.

Yesterday, the reporter Guangqumen near a "payment easy" self-service payment terminal try to use a credit card recharge Alipay account. This self-service appliance is very similar to a bank ATM machine, but the screen shows the payment of the content. In the right side of the screen a row of function selection keys, the reporter found the "Alipay recharge" option. Tap into the page, you need to enter the phone number and recharge amount, and prompts an additional charge of 1%.

In the choice of bank card recharge options, the reporter will be a credit card into the slot, enter the payment password, the lower right of the device spit out a "Alipay top-up list", which records the Alipay top-up code and other information. Subsequently, the reporter in accordance with Alipay top-up code successfully recharge the money into the Alipay account, through the Alipay balance cash withdrawal function, the smooth balance will be raised, the same cash.

"In this way, although each has a 1% fee, small cash is not a problem." Ms. Meng told reporters frankly. It is understood that in the payment of easy to buy Alipay top-up code, each limit of 1,000 yuan, 1% fee, with prepaid code Alipay recharge limit of 3 daily limit.

In fact, in January 2012, the central bank issued the Measures for the Administration of Payment Institutions on the Internet Payment Business (Draft for Comment), which explicitly mentions the payment institution's customers "shall not use credit card overdrafts to pay for the payment account." A draft of this opinion, the same year February 8, Alipay formally shut down the credit card to Alipay account recharge channel.

The reporter called the customer service yesterday to pay the customer service reflects the relevant circumstances, but the customer service staff told reporters that the matter for the credit card recharge Alipay did not know, "but the company expressly can not be used to credit card Alipay.

The Alipay side response, Alipay and payment easy to clearly specify the cooperation, the use of terminals to recharge Alipay (including the recharge code) is limited to the use of cash or savings card. However, the specific use of what card recharge is easy to judge premium payment, if you verify the company's non-compliance issues, Alipay will terminate the relevant cooperation. "

"The loophole of payment is also exposing the issue of inadequate regulatory oversight." Silver rate network analysts believe that the reason why these payment terminals are so "maverick" lies in the deeper reason for the temptation of high fees and benefits .

Silver rate net analyst said that up to 3,000 yuan a day, the amount of cash, 1% of the fees, compared to the normal credit card is not only easy to take, the cost is still low. Generally speaking, banks will charge 1% to 3% of the cash withdrawal fee, but also from the next day in accordance with the interest rate of five per cent to receive interest, high cost.

Morning News reporter Jiang Fan