Alipay distributes 1 billion 500 million yuan to customers. Do you know what the real purpose is? Actually, it is to promote flower chant. As long as the use of payment, there will be a handling fee. How much is the service charge? Let's have a look.
Using Huabei to collect service charge is a function of paying first and then paying back. It means that when you buy something, even if you don't have money now, you can just use the money to pay! Of course, when the repayment date comes, you must pay back. Some people don't know much about flowers. They are worried when they hear that there is a handling fee.
In fact, consumers don't need to charge commission or interest for using Huabei to pay. But the merchant receives the consumer's payment, this money later must withdraw, then must collect the service charge. So, to spend the service charge is to deduct the seller's money. For this reason, some businesses do not want customers to pay by using Huabei.
According to Alipay's official statement, after the successful opening of flower money, each flower transaction costs a fee, and the charges of different businesses will be different.
Offline merchants
For businesses that use mobile phone Alipay APP and paper money collecting code, the fee for collecting money is 0.8% of the transaction amount. In other words, a 100 yuan flower trading, businesses need to pay 8 yuan to Alipay.
Huabei fee deduction business mentioned the problem of Huabei fee, so does Huabei user not need to deduct the fee all the time? In fact, there is an interest problem involved. There is a repayment date and an interest free period for users to use Huabei. If they repay in the interest free period, users do not need to pay interest. However, if the repayment is over the interest free period, the interest shall be paid.
To be honest, Huabei is really good, which is convenient for many consumers. But, because it is to spend the future money first, also let some people consume unrestrained, so owe more money. Therefore, we must use flowers rationally.