
Transferring USD to Alipay can seem daunting, but it's actually a straightforward process. You can use a third-party service like TransferWise to convert your USD to CNY, which can then be transferred to Alipay.
The transfer limit varies depending on the service you use, but TransferWise allows for transfers up to $10,000 at a time. This is convenient for those who need to send larger amounts.
To initiate a transfer, you'll need to provide your recipient's Alipay account information, including their Alipay ID and a verification code. This is required for security purposes to ensure the money reaches the intended person.
You can track the status of your transfer online or through the TransferWise app, which provides real-time updates on the transfer process.
Check this out: How to Use Alipay
Send with Payment Method
Sending money to Alipay users just got a whole lot easier. You can now send funds directly to their Alipay accounts using your USD balance.
To do this, simply select the "Send with Payment Method" option when initiating a transfer. This will allow you to choose from a variety of payment methods, including bank transfers and credit card payments.
Your recipient will receive the funds in their Alipay account, ready to use as they see fit. This convenient option is available 24/7, making it easy to send money at a moment's notice.
Money Transfer Details

You can transfer up to $10,000 per transaction to Alipay.
The transfer fee is 2.5% of the transaction amount, with a minimum fee of $0.50.
For example, if you transfer $1,000, the transfer fee would be $25, and the total amount transferred to Alipay would be $1,025.
Receive CNY to Alipay
If you're sending money to China, you'll want to know how to receive CNY to Alipay. The recipient gets money in CNY directly from Wise’s local bank account.
You can send USD with a chosen payment method and receive CNY to Alipay. This means you can use Wise to transfer money internationally and have it deposited directly into the recipient's Alipay account.
The recipient will receive the money in their Alipay account in CNY, which is the local currency in China. This eliminates the need for conversion fees or exchange rates that can eat into your transfer.
For another approach, see: Alipay Chinese
Money Transfer Costs
Sending money internationally shouldn't break the bank. With Wise, you pay a small, flat fee and a percentage of the amount that's converted.

The total cost is always shown upfront, so you won't be surprised by hidden fees. Wise charges as little as possible, aiming to be free eventually.
Big fees are a thing of the past with Wise, and you can rely on transparent exchange rates. You'll save money on transfers and exchanges with Wise.
Money Transfer Time
Money transfer times can vary depending on the route and currency, but generally, you can expect to receive your money within a short timeframe.
A transfer to Alipay can take around 7 hours, although this may differ in some cases.
For many popular routes, Wise can send your money on the same day, making it a convenient option.
Instant money transfers are also available on some routes, allowing you to receive your money even faster.
You can track each step of your transfer in your account, so you'll always be up to date on the status of your money.
Exchanging Currency

You can exchange Cash USD to Alipay CNY through services listed on the site, which offer automatic exchange.
If you're new to exchanging electronic money, the FAQ section has useful instructions to help you navigate the process.
If automatic exchange isn't available, the operator will follow a manual process to complete your exchange.
If you encounter issues with a particular exchanger, inform the site, and they'll discuss the issue with the owner or remove the exchange from the list.
You can also learn from other users at the site's forum about manual exchange options.
To send USD, choose a payment method, and the recipient will receive CNY directly from Wise's local bank account.
Step-by-Step Process
To send USD to Alipay, you'll need to download the Alipay app on your iPhone or Android device and create an account. This is a crucial step, and it's essential to get it done first.
The transfer process using Alipay is straightforward and can be completed in just a few steps. You'll need to select the international transfer function in the app, which can be found on the home screen by selecting the "更多" or "More" button, followed by "上海汇聚" or "Shanghai International Transfers".

Here's a step-by-step guide to help you navigate the process:
- Find the International Transfer Function in Alipay
- Enter the Recipient Banking Information
- Enter the Sender’s Information in Alipay
- Review Terms and Conditions for Using Alipay
- Submit the Transfer Request
Make sure to enter the recipient's banking information accurately, including name, address, bank SWIFT code, routing number, and bank account number. This information is crucial for a smooth transfer.
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Frequently Asked Questions
Does Alipay accept USD?
Yes, Alipay accepts USD for transactions. It also supports payments in several other major currencies.
How do I send money to Alipay from the USA?
To send money to Alipay from the USA, create an account on our website or mobile app and select the desired currency, amount, and delivery speed. Then, choose how you'd like your money to be delivered to Alipay.
What is the transaction rate for Alipay?
Alipay's transaction rate is 0.1% of the transaction amount, with a minimum fee of RMB 0.1, applied to amounts exceeding the free transfer limit
Sources
- https://wise.com/us/send-money/send-money-to-alipay
- https://www.bestchange.com/dollar-cash-to-alipay.html
- https://www.travelchinacheaper.com/how-send-money-internationally-alipay
- https://www.linkedin.com/pulse/how-pay-rmb-usd-china-suppliers-alipay-app-elvira-show
- https://en.komoju.com/payment-methods/china/alipay/
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