What's the difference between Alipay and quick money payment?

As a third-party payment tool, Kuaiqian and Alipay have their specific advantages.

Their differences are as follows:

Alipay advantages:?

1, enter the payment password to recharge or pay immediately without opening online banking; ?

2. Automatically help you complete real-name authentication and immediately become a collection account;

3. An Alipay account can be bound to multiple banks and multiple bank cards; ?

4. Check the balance of the bank card at any time on Alipay website (some cartoons are realized).

5, real-time cash withdrawal, real zero waiting (part of cartoon realization).

Dollar advantage:

1. You only need an email address to register for quick money. Log in to the quick money account in the future. The account is an email address and the password is set by yourself.

2. Even if you don't register for quick money, others can remit money to your mailbox if they know your mailbox. You only need to activate this email to have a quick money account.

3. The technology of quick money can completely guarantee an absolutely safe and fast payment experience.

In addition, fast money supports almost all bank cards. Network security measures are not enough, so many users can't pay in this way normally.

Extended data:

Alipay service:

certificate

Users need real-name authentication when using payment services, which is a requirement put forward by regulators such as the central bank. After real-name authentication, they can open a shop in Taobao, add more payment services, and more importantly, help improve the security of their accounts.

Real-name authentication needs to verify both member information and bank account information.

From July 1 2006, the balance payment and transfer functions of users with imperfect real-name authentication will be restricted.

Personal payment accounts are divided into three categories, with different functions, quotas and information authentication standards. Among them, Class I accounts only need an external channel to authenticate customer identity information, such as online verification of resident identity card information, and the corresponding payment limit is only 1 000 yuan since the account was opened.

This kind of account balance can be used for consumption and transfer, which is mainly suitable for customers to make small and temporary payments. Class II and Class III account customers have higher real-name authentication intensity, and their identity information is verified through at least 3 and 5 external channels respectively. Among them, the payment limit for the balance of Class II account is 654.38+10,000 yuan per year. The payment limit for the balance of the third-level account is 200,000 yuan per year.

wallet

Alipay can also be used on smart phones, and the mobile phone client is Alipay wallet. Alipay wallet has the function of computer version of Alipay, and contains more innovative services because of the characteristics of mobile phones. Such as "face-to-face payment" and "QR code payment".

You can also make Alipay wallet your own personalized mobile phone application by adding "service".

Alipay wallet is mainly used on iOS and Android, and iPad and WP versions are under development.

safe

Payment involves the safety of users' funds, so it is very important to follow the official safety regulations.

Such as security control, SMS authentication service, digital certificate, third-party certificate, payment shield, Ling Bao, Ling Bao mobile version, security protection issues, security policies, mobile phone security settings, etc.

Almost all payment services can use Alipay. From shopping to water, electricity and gas payment, and there is a tendency to partially replace cash.

Fast money payment service:

Mobile products

Quick brush: according to the collection needs of customers in different industries such as mobile exhibition industry, quick brush can be fully covered and flexibly solved. The innovative mobile phone collection tool combines the powerful software expansion ability of smart phone and the safe and portable characteristics of mobile phone card reader, and its function is comparable to that of high-end smart POS, but it has subversive low price and perfect security guarantee. Lightweight and portable card reader is not only a sharp weapon for mobile exhibition industry. Facing the demand of door-to-door payment and in-store payment in different industries, there are various types of credit card readers, including Quick Brush APP, Quick Brush Type 3, Type 4 and Type 5. The powerful interface of Quick Brush APP can accommodate the interface needs of different industries.

Series products

Rmb payment: after merchants access quick money RMB payment, consumers can pay merchants through various payment methods. Support almost all domestic bank card online payment, telephone payment, quick money account payment and offline post office or bank remittance payment.

Services to solve the capital exchange between enterprises. Merchants can directly accept their payment to corporate customers through corporate online banking or quick money corporate accounts. The payment is directly related to the order information, closely integrated with the online transaction process, and there is no limit to payment. Fast money online banking supports online banking of almost all domestic banks and enterprises (including ICBC, CCB, China Merchants Bank, Shenzhen Development Bank, Agricultural Bank of China, Shanghai Pudong Development Bank and Minsheng Bank). ).

Recharged card payment: Kuaiqian Shenzhouxing/China Unicom Card/Telecom Card/Wang Jun Payment is a payment service provided by Kuaiqian for merchants to solve the capital transactions between buyers and sellers through Shenzhouxing/China Unicom Card/Telecom Card/Wang Junka. Merchants' websites can support consumers to use corresponding prepaid cards for online payment and purchase products or services of merchants by opening corresponding payment services.

Credit card installment: Credit card installment service is a payment service for merchants and consumers. Through this service, consumers can buy higher-priced products from merchants by credit card installment. It integrates the installment payment services of China Bank, Industrial and Commercial Bank of China and other banks. Merchants can provide consumers with installment payment services of many banks as long as they access fast money. Satisfy consumers to enjoy the goods first, and then pay in monthly installments, without paying off the full amount of the goods at one time.

POS receipt: refers to face-to-face credit card transactions. Consumers need to hold bank cards (including credit cards and debit cards) to complete the card swiping operation, and only after entering the password can they complete the payment, which is similar to the traditional POS machine.

Credit card payment without card: refers to the products that consumers can complete payment only by submitting credit card number, expiration date and other information, without swiping their cards or face-to-face transactions.

Separate payment: Committed to solving the distribution service of third-party platforms (platform merchants), it is necessary to distribute the money paid by consumers to multiple distributors according to the requirements of third-party platforms (platform merchants).

Entrusted collection: it is a product for collecting various kinds of money for enterprises or individuals, helping the collecting enterprises to collect money conveniently and quickly. By means of the payer's prior authorization, the payee initiatively sends a debit instruction to Kuaiqian, and Kuaiqian deducts money from the designated account based on the authorization agreement and according to the instruction, and finally transfers it to the payee.

Cash collection: a fund management service provided to customers, which records the cash charges at each collection point through VPOS-CP, and then collects the cash into the headquarters account through remittance/withholding.

Telephone voice payment: payment service provided for buyers and sellers to solve financial transactions between buyers and sellers. After the merchant accesses the fast money RMB payment, the consumer can pay the merchant through the mobile phone.

International foreign exchange collection: providing enterprises with comprehensive international foreign exchange collection solutions. This product can help enterprises to open global foreign currency collection channels conveniently and quickly, expand their business to the whole world quickly, and enjoy the localized quality service provided by Kuaiqian in the whole process, so as to solve the problems encountered in foreign currency collection more efficiently.

Payment product

Payment to the bank: the fund settlement service for merchants to pay to the designated bank account.

Batch payment to bank: a fund settlement service in which merchants pay in batches to multiple bank accounts.

Quick money account payment: the fund settlement service that merchants pay to the designated quick money account.

Batch payment to quick money account: a fund settlement service in which merchants pay in batches to multiple quick money accounts.

Reference: Baidu Encyclopedia-Quick Money