Alipay Fees Structure for China and Foreign Transactions

Alipay charges a 0.1% to 0.6% transaction fee for domestic transactions in China, depending on the type of payment method used.

For small transactions, this fee is relatively low, making it a convenient option for everyday purchases.

In China, Alipay also charges a 0.5% to 1% cross-border transaction fee for foreign transactions, in addition to the currency conversion fee.

This can add up quickly, especially for larger transactions or frequent online shopping.

Alipay charges a flat rate of 3% of the transaction amount as a service fee for foreign credit card purchases and transactions.

This fee applies to VISA, MasterCard, and JCB card payments on Taobao or Tmall.

Only physical goods, air tickets, and air ticket insurance are eligible for international credit card payments on these platforms.

International credit cards are not supported for second-hand goods, pre-sale goods, and T-mall International transactions.

You can use your international credit card to purchase physical goods or air tickets on Tmall and Taobao, but be aware of the 3% service fee.

Transaction limits and charges can be a bit confusing, but don't worry, I've got the lowdown. If you're sending money to or from China, Alipay has a transaction limit, but it's not clearly stated in the article sections I have access to.

Alipay charges a service fee for transactions that exceed a certain amount, which varies depending on the type of transaction. For example, if you transfer money to a bank card or withdraw Alipay balance, the exceeding amount is charged with a service fee at 0.1%, with a minimum of RMB 0.1.

Here's a breakdown of Alipay's transaction fees:

It's worth noting that Alipay also charges a handling fee to merchants for payments made by credit card, but the buyer doesn't need to pay this fee.

Alipay charges merchants a fee of nearly 0.55% for transactions. This is significantly lower than the 3-4% fees applied by credit card companies, making Alipay an attractive option for vendors.

For merchants who use Alipay's Payment in Person service to collect payments, the rate is 6‰. This means that for every RMB 1000 collected, Alipay deducts 6 RMB as an acquiring service fee.

Merchants who use a QR code to receive money get a free cash withdrawal quota at 1:1 of the amount received by the QR code. This quota is valid for one year and expires on the last day of the same month of the following year.

Alipay's fees for merchants are a bit less than the Wechat pay merchant fee. This makes Alipay a popular choice for merchants looking for a more cost-effective option.

Here's a breakdown of the fees for merchants:

If you're planning to send money to or from China, you should know that Alipay has specific transaction limits in place.

The Alipay transaction limit to send and receive money is not explicitly stated in the article, but it's clear that there are limits for foreigners using Alipay.

To increase Alipay's maximum transaction limit, you'll need to check out the relevant information, but unfortunately, that's not provided in the article.

Alipay transaction limits can be a bit of a challenge for those trying to send or receive money from China.

So you're trying to decide which Alipay fee structure is best for you? The Alipay fee for international money transfers is 0.9% to 1.1% of the transfer amount, plus a fixed fee of 1.5 CNY to 3 CNY, depending on the transfer method.

The Alipay fee for online payments is a flat rate of 0.5% to 1.5% of the transaction amount, with a minimum fee of 0.5 CNY.

Alipay's fee for domestic money transfers is 0.1% to 0.5% of the transfer amount, with a minimum fee of 0.5 CNY.

If you're making frequent transactions, the Alipay fee for merchants is 0.5% to 1.5% of the transaction amount, with a minimum fee of 0.5 CNY.

The Alipay fee for bill payments is a flat rate of 0.5 CNY to 1 CNY per transaction, depending on the bill type.

In general, Alipay's fees are relatively low compared to other payment methods, making it a popular choice for online transactions.