Is it risky to call 95188?

There is no risk in calling 95188, because it is the Alipay customer service number. If it is a text message, you have to pay attention. It may be a scam text message. Generally, do not believe anyone who tells you to tell you your ID number and password.

In August 2013, Alipay planned to promote credit payment. The limit is based on a comprehensive assessment of the user’s nature of work, product type, etc. An account can be overdrafted up to 5,000 yuan.

Users no longer need to bundle credit cards or debit cards when using Alipay to pay, and can directly make overdrafts with a limit of up to 5,000 yuan. On August 8, 2013, a piece of news about Alipay’s launch of credit payment services was circulated on the Internet. The publisher of the news stated that after the launch of Yu’e Bao, Alipay plans to continue to launch credit payment services, and all loan funds will be provided by cooperation. Bank provides.

When there is a balance in your Alipay account, directly enter the payment password to pay with the balance.

Integrate your bank card and Alipay account into one. You no longer need to log in to online banking when making payments. You only need to enter the payment password and you can easily complete the payment with the balance on your bank card while avoiding the need for online banking passwords. Leakage risks are as safe and convenient as swiping a credit card! Supports 37 banks across the country.

As of now, Alipay has more than 450 million real-name users, more than 270 million active Alipay wallet users, and more than 45 million single-day mobile payments, surpassing the global record of 45.18 million single-day mobile payments created on 11.11 in 2013. Peak record. During the entire day of Double Eleven in 2014, the number of Alipay mobile payment transactions reached 197 million.

Users need real-name authentication to use payment services, which is a requirement put forward by regulatory agencies such as the central bank. After real-name authentication, you can open a store on Taobao, add more payment services, and more importantly, help improve the security of your account. .

Real-name authentication requires verification of member identity information and bank account information at the same time.

Starting from July 1, 2016, users with incomplete real-name authentication will have their balance payment and transfer functions restricted.

Personal payment accounts are divided into three categories. Each type of account has different functions, limits and information authentication standards. Among them, Type I accounts only require an external channel to verify customer identity information, such as online verification of resident ID card information, and the corresponding payment limit is only the cumulative limit of 1,000 yuan since the account was opened.

The balance of this type of account can be used for consumption and transfer, and is mainly suitable for customers' small and temporary payments. Customer real-name authentication for Type II and Type III accounts is relatively strong, and customer identity information is verified through at least three and five external channels respectively. Among them, the balance payment limit for Type II accounts is a cumulative annual accumulation of 100,000 yuan. The balance payment limit for Type III accounts is an annual cumulative RMB 200,000.

Alipay’s steady style, advanced technology, keen market foresight and great sense of social responsibility have won wide recognition from banks and other partners. Alipay has established in-depth strategic partnerships with more than 180 banks at home and abroad, as well as international organizations such as VISA and MasterCard, becoming the most trusted partner of financial institutions in the field of electronic payment.