Alipay что это и как оно работает

Alipay - это популярная система онлайн-платежей из Китая, которая позволяет пользователям переводить деньги друг другу с помощью смартфона.

В основе Alipay лежит технология QR-кодов, которая позволяет пользователям сканировать коды на карты или счета, чтобы совершать транзакции.

Пользователи Alipay могут также отправлять деньги друг другу с помощью номера телефона или ID пользователя.

Используя Alipay, пользователи могут совершать различные типы транзакций, включая переводы денег, оплату товаров и услуг, и даже покупку товаров в магазинах.

Alipay is a digital payment platform that allows users to make payments and transfers online, founded in 2004 by Jack Ma. It's a subsidiary of Ant Financial, a fintech company.

Alipay is widely used in China, with over 1 billion active users, making it one of the largest digital payment platforms in the world.

Its services include online payment, money transfers, and mobile payments, which can be made through various channels such as websites, mobile apps, and in-store terminals.

To use Alipay, you'll need to install the payment password and verify your identity with a selfie and passport. This is a one-time process.

Once you're set up, you can start using Alipay to make payments. You can do this by clicking on the "My" icon and then selecting "Payment Settings" from the menu.

Alipay supports a wide range of payment methods, including credit cards, bank transfers, and mobile payments. You can also use Alipay to pay for services like utility bills, taxes, and even train tickets.

To make a payment, simply scan the QR code or enter the recipient's account number. You can also use Alipay's mobile app to make payments on the go.

Some popular services that accept Alipay include transportation, food delivery, and online shopping. You can also use Alipay to pay for services like gym memberships and movie tickets.

Using Alipay for everyday transactions is incredibly convenient. Alipay collaborates with 65 financial organizations, including Visa and MasterCard, China Post, and large global and regional banks.

You can use Alipay in Russia, where Sendy is the largest operator. Other major retailers and companies like RZD, Riv Gush, and GUM are also connected to Alipay.

The Alipay app offers a range of features, including payment codes with QR-codes for local transactions, bill payments, bank account management, and more.

Some of the services you can use with Alipay include online check on Chinese websites like Taobao and Tmall, as well as adding your own services from various companies to create a personalized experience.

Alipay has expanded its services to cover over 300 cities and supports more than 1,200 partner organizations. You can use it to pay for utilities, transportation fines, property taxes, and even cable TV bills.

In 2009, Alipay launched a credit card debt repayment service, which has become the most popular third-party platform for debt repayment. It offers benefits like free credit card account checks, no administrative fees, and automatic payments.

If you're planning to use Alipay, you'll need to set up a payment password and complete identity verification using a selfie and your passport.

To access your Alipay settings, tap the "My" icon on the bottom right and the gear icon on the top right. Then, select "Payment Settings" from the menu.

Here are some of the services you can use with Alipay:

To bind a map to Alipay, you need to open the main section "My account", then "Bank card".

Enter the number of the card you want to link. You can only link a Chinese card to Alipay at the moment.

To get started with Alipay, you'll need to download the app on your Android or iPhone device. You can find the download links on the App Store or Google Play.

The app is available in English, but you can switch to Russian by navigating to the "More options" menu, selecting "Switch language", and choosing "Русский." Keep in mind that the translation might not be perfect, so using the English version might be a better option if you're comfortable with it.

To register, you'll need to enter your current phone number, which can be a Russian mobile number. You can quickly find the country code by clicking on the search bar at the top. After entering your phone number, you'll need to agree to the terms of service and confirm your registration by entering a verification code sent to your phone via SMS.

Alipay was first launched by Taobao in 2003. The service quickly gained popularity, with over 200 million registered users by July 2009.

The number of users grew rapidly, with over 550 million users registered in Alipay's payment system by December 2010. This was accompanied by a significant increase in transaction volume, with around 8.5 million transactions per day.

In 2010, the People's Bank of China issued rules for licensing third-party payment providers, which led to Alipay being restructured as a domestic company controlled by Alibaba's Jack Ma. This move was intended to facilitate regulatory approval.

The transfer of Alipay's ownership in 2010 was a contentious issue, with allegations that Yahoo! and Softbank, the controlling shareholders of Alibaba Group, were not informed of the sale. The dispute was eventually resolved in July 2011.

By 2011, Alipay had become the leading player in China's online payment market, with a market share of over 50%. The company's transaction volume had also increased significantly, with around 46 billion dollars in transactions.

In 2013, Alipay launched a platform for financial products called Yu'ebao, which quickly gained popularity. By mid-2016, Yu'ebao had 152 million users, with over 810 billion yuan (117 billion dollars) in assets under management.

By 2015, Alibaba had rebranded itself as Ant Financial Services Group, the parent company of Alipay.

To register for Alipay, you'll need to download the app on your mobile device. You can find the download links on the App Store for iOS devices or on the Google Play Store for Android devices.

To start the registration process, open the app and agree to the user agreement. The default language is English, but you can switch to Russian by going to the "More options" menu and selecting "Switch language" → "Русский" → "Save".

Next, enter your current mobile phone number, which can be a Russian mobile number. If you need to change the region, you can click on the search bar at the top to find the country name.

After entering your phone number, click on "Следующий шаг" (Next step) and agree to the privacy rules. Then, click on the "Вход с кодом проверки" (Enter verification code) button, which may ask you to perform a simple task, such as placing a ball in a basket.

You'll receive a verification code via SMS, which you'll need to enter in the app. If you don't receive the code, you can resend it.

If you've already registered on Alipay, you may be prompted to enter the last four digits of your passport number. You can also register if you've previously tried to register on Alipay, Taobao, or 1688 through the Alipay app.

Once you've completed these steps, you'll be able to choose your country and complete the registration process.

You can pay using Alipay in two main ways. The first is by scanning a QR code provided by the seller, usually used by private sellers and small shops. To do this, ask the seller to show you their QR code, and then tap the "Scan" button in the main section of the Alipay app.

If you're paying online, you can take a screenshot of the seller's QR code and save it in your album. When it's time to pay, enter the amount manually. To access the screenshot, tap the icon on the right side of the bottom of the screen.

The second way to pay is in offline stores, such as a grocery store checkout. Here, the seller will scan your Alipay code, and the payment will be automatically deducted from your account.

To pay in offline stores, tap the "Pay" button in the main section of the Alipay app. This will display a QR code and a barcode that you need to show to the seller.

There are two additional features in the payment section: "Get Money" and "Wallet". The "Get Money" feature allows you to receive money from a company or an individual, and it will display your permanent barcode. You can also check your transaction history here.

The "Wallet" section allows you to add store cards, tickets, and coupons from popular Chinese stores and restaurants. To use a coupon, tap on it, and it will become highlighted in red. Then, tap the "Use It" button to make a purchase online or offline.

To initiate a refund through Gate using Alipay, you need to send a request with the required parameters and signature to the ecommpay URL and receive a notification about the result. The correct request should include the project and payment IDs, refund description, user IP address, signature, and the refund amount.

Here is a step-by-step guide to the refund process:

1. The user initiates a refund.

2. The web service sends a request to the ecommpay URL to execute the refund.

3. The request is received by the ecommpay payment platform.

4. The platform checks the request for mandatory parameters and correct signature.

5. The platform sends a response to the web service with information about the request receipt and its correctness.

6. The platform processes the request further and sends it to the Alipay service.

7. The Alipay service processes the refund.

8. The Alipay service sends information about the refund result to the platform.

9. The platform sends a notification about the refund result to the web service.

10. The web service informs the user about the refund result.

To work with refund requests through Gate using Alipay, you need to consider the following:

+ Project ID

+ Payment ID

+ Refund description

+ User IP address

+ Signature

+ Refund amount

* Additional parameters can be used as specified in the documentation.

A correct refund request should contain the project and payment IDs, refund description, user IP address, signature, and the refund amount.