Taobao can use credit card to pay directly, but when using credit card to pay for Taobao shopping, it needs to pay a certain fee. If the merchant has opened the credit card payment function, then the payment service charge shall be borne by the merchant. If the merchant has not opened the credit card payment function, then the service charge shall be borne by the buyer.
Taobao can use credit cards to buy things, credit cards are bound to Alipay, and then choose the corresponding credit card payment when Taobao shopping.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. Its form is a card with the name of the issuing bank, period of validity, number, cardholder’s name and other contents printed on the front, and magnetic strip and signature strip on the back. Consumers with credit cards can shop or consume in special commercial service departments, and then settle accounts with merchants and cardholders. Cardholders can overdraft within the specified amount.
When users are shopping with Taobao, they use Alipay to make payment. Of course, you can pay by Alipay’s choice of binding bank card, or you can pay with the balance of Hua Bai and balance treasure.
Since you can choose the binding bank card to make payment, users can bind their credit cards on their own Alipay to pay for Taobao’s shopping. However, it should be noted that the credit card will charge a certain fee for the merchants, so not all Taobao stores will open the credit card payment function. However, no matter whether the merchants open the credit card payment, the users can choose to use their own binding credit card for the final consumption payment, but for the merchants who do not open the credit card payment, the users need to bear the corresponding responsibility Handling charges.
There is a certain payment limit when using credit card to pay for businesses without credit card payment service. Therefore, if the purchase amount exceeds the single payment or single day payment limit prompted on the page, the user will not be able to use credit card for payment, and can only use other methods for payment.
The way to bind credit cards in your Alipay is also very simple. Users just log on to their Alipay account, click add in my bank card, and input the corresponding information according to the steps to add the success.
Does Taobao need service charge to pay by credit card
After Taobao consumption, it is possible to use credit card to pay for the service fee. If the shopping merchant supports credit card payment, the service fee will be borne by the merchant. If the merchant does not open credit card payment, the service fee will be borne by the buyer.
When using a credit card to shop in Taobao without credit card payment function, the user needs to pay 1% of the consumption amount as the payment service charge. If there is a return or refund in the later period, the consumption amount will be returned to the user’s credit card, but the service charge already collected will not be returned.