汉英对照:
Chinese-English Translation:
花呗是不能直接转账给朋友的。但是可以通过花呗付款给朋友，前提是需要转账的支付宝账户开通商家服务。然后打开支付宝扫一扫功能，扫描需要转账的朋友的支付宝二维码。输入需要付款的金额，转给朋友，付款方式选择“花呗”。
Huabei can’t transfer directly to friends. However, payment can be made to friends through flower payments, provided that Alipay accounts need to be transferred to open business services. Then open Alipay sweep function, scan the Alipay two-dimensional code that needs to transfer friends. Enter the amount to be paid, transfer it to a friend, and select “spend” as the payment method.
花呗是不能转账给朋友的。蚂蚁花呗与银行信用卡类似，它们都是不能转账给其他人的，只能用在消费刷卡，不支持资金转账。
Huabei can’t transfer money to friends. Ant Huabei is similar to bank credit cards. They can’t be transferred to other people. They can only be used for consumption and credit card. They don’t support fund transfer.
但是可以如果收款人开通了支付宝的商家服务，并且没有关闭花呗收款功能，那么则是可以通过这样的方式以花呗付款。（但是利用花呗收款可能需要支付手续费）
However, if the payee has opened Alipay’s business service and has not shut down the function of collecting money, then it can pay in this way. (but there may be a handling fee for using Huabei to collect money)
首先，需要转账的支付宝账户开通商家服务。
First of all, Alipay accounts need to be transferred to open business services.
打开支付宝，点击商家服务。根据提示先开通商家服务。
Open Alipay and click on merchant services. Follow the prompts to open the merchant service first.
然后打开支付宝扫一扫功能，扫描需要转账的朋友的支付宝二维码。
Then open Alipay sweep function, scan the Alipay two-dimensional code that needs to transfer friends.
输入需要付款的金额，转给朋友，付款方式选择“花呗”。
Enter the amount to be paid, transfer it to a friend, and select “spend” as the payment method.
打开支付宝，点击我的，可以查看收款支付宝账户（朋友的账户）。
Open Alipay, click on mine, you can check Alipay account receivable (friend’s account).
注意：如果你或者你的好友任意一人没有开通花呗，都无法使用花呗付款，同时，你要使用花呗付款需要你的好友开通了花呗收款。
Note: if you or any of your friends do not open Huabei, you cannot use Huabei payment. At the same time, if you want to use Huabei payment, you need your friends to open Huabei collection.
