Will there be a bank SMS prompt on Alipay's fast payment mobile phone?

There is no such thing. Alipay is bound with the bank card to realize fast payment. If the bank opens SMS reminder, it will receive SMS.

Express payment means that users only need to provide information such as bank card number, account name and mobile phone number without opening online banking when purchasing goods. After the bank verifies that the mobile phone number is correct, the third party payment sends the mobile phone dynamic password to the user's mobile phone number, and the user can complete the payment by inputting the correct mobile phone dynamic password.

Alipay customer service center said that if the user's Alipay account or bank card is stolen, the thief will cause the cardholder's financial loss through fast payment. April 20 13, Alipay presented the cardholder with a capital guarantee insurance. If the user is stolen when using Express Payment in the future, Ping An Property Insurance will pay 100% within 72 hours, and the insurance premium will be borne by Alipay.

Extended data:

2065438+On March 25th, 2004, ICBC decided to reduce the fast payment interface of Alipay. If Alipay cooperates, it will not have any impact on customer transactions. For security reasons, ICBC is reducing fast payment interfaces to reduce potential risks and achieve centralized management.

Third-party payment is mainly bound to bank account. Theoretically, the security is weaker than that of bank U shield system. However, in terms of business, banks believe that third-party payment institutions have moved their own cheese, and many customers no longer choose bank-side payment, which will easily lead to the marginalization of bank accounts.

In addition, Alipay has established a 72-hour payment mechanism. If the user denies the transaction and confirms it through Alipay customer service and risk management system, Alipay will pay in full within 72 hours after the user provides relevant certificates.

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