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Can I negotiate repayment after receiving the payment form of Alipay online merchant loan?

After receiving the payment instruction of Alipay online merchant loan, you can also negotiate repayment. According to the relevant information, you can negotiate repayment after receiving the payment instruction of Alipay online commercial loan, but only if Alipay online commercial loan accepts your negotiation conditions, the two parties reach an agreement and pay the principal, interest and late payment fee within the agreed time.