Alipay online "late payment fee" function: buy first and then pay the next day.

Recently, Alipay quietly launched the "late payment fee" function. When the balance of the user's payment channel is insufficient, you can use the "late payment fee" to pay in advance.

It is understood that "late payment fee" is an interest of Sesame Credit, which can only be enjoyed by users with sesame score equal to or higher than 700. Only one late payment fee account can be opened under one ID card information.

According to the official introduction, the use of delayed payment is that when users use Alipay scan code or payment code to spend, all payment channels are unavailable, and manual selection of each bank card cannot be successfully paid.

According to the relevant agreement, when users use the deferred payment function, the guarantee institution will advance the funds to the merchants in advance, including Shang Cheng Financing Guarantee Company under Ant Group.

Open the interface display, each person can use it for 5 times, each time 200 yuan, the number of times to recover after payment, and the total cost is 0.

It is worth mentioning that if the customer does not take the initiative to complete the payment afterwards, the money spent or borrowed will not be deducted to form a loan bill.

Alipay customer service said that the liquidated damages were not overdue by the central bank, but it affected the sesame score. If the user still fails to repay the loan within 7 days, the system will fail to deduct the money, which will affect the user's sesame credit score, the use of credit services, and services such as flower buds and borrowing buds may be affected accordingly.