Alipay October 12 withdrawal fee: 20,000 per person free credit-based PayPal, micro-payment-IT information
IT information news following micro-letter March began charged user mention now procedures fee Hou, September 12, paid treasure foreign released announcement said, for integrated business cost rose, to continued to user provides more service, since October 12, 2016 up, paid treasure will on personal user beyond free lines of mention now charged 0.1% of service fee, personal user per person cumulative enjoys 20,000 yuan based free mention now lines. Using based free credit when you are finished, the user can use Ant points for more free cash withdrawal limit .
This distance charges separated by more than half a year's time. In fact, users pay more for a variety of consumer, financial, payment, or a credit card, phone, relatively speaking, not much opportunity to withdraw. Withdrawal charges beyond the free credit, have little real impact on users.
Per-user basis for 20,000 free credit
Bao turned out, balance is not affected is still free
Withdrawal refers to users through a third-party payment platform to transfer money to a bank card, PayPal adjusted withdrawal rules are not the industry's first, in March of this year, the app has begun charging 0.1% fee to the user, accumulated 1000 free withdrawals per user limit.
Micro-letter change can only be compared to cash to my bank card, PayPal provide service more comprehensive. According to reports, Alipay withdrawal involves "cash to my bank card" and "transfer to other bank card" two features. According to the revised rules, PayPal also beyond the free credit amount of partial withdrawal of the 0.1% fee-for-service, single service fee charge less than 0.1 by 0.1 Yuan. Difference is, PayPal users can accumulate 20,000 Yuan Yuan underlying free cash withdrawal limit, the limit is 20 times times the app .
Except mention now zhiwai, using paid treasure for consumption, and financial, and purchase insurance, and phone recharge, and hydropower coal payment, and registered, and paid traffic fine, and using phone paid treasure transfers to paid treasure account, and repayment, service not by any effect, user free using of while also can get Ant points, in with finished free lines Hou, user cumulative of Ant points can for Exchange free mention now lines. PayPal introduced now is the exchange ratio, 1 Ant points can be exchanged for 1 free cash withdrawal limit, no Cap.
In addition, concern balance Po, PayPal statement said, Bao funds out of balance, including transfer to my bank card and go out to your PayPal balance will remain free. However, October 12, 2016, the users from the new balances treasure funds can only go back to balance when you go out, you cannot go directly to the bank card .
The relevant parties, which means October 12, users will balance transfer balance treasure, not only can be used for consumption, on October 12, and still can be freely transferred to his bank card. " If the balance of money in fear of being charge, Bao will transfer money balances is now one of the best choices . ”
PayPal said in a statement, the reasons are "integrated faster increases in operating costs" rule was to alleviate part of the cost of the adjustment pressures.
Previously, the app said as he announced the withdrawal charge "is not the pursuit of revenue, but rather to cover the bank charges. ”
MA in March this year when the CPPCC has introduced the business model behind the third-party payment, the Bank's money to get out of the banking system into third-party payment accounts, fees are charged by all, the fee for the transfer about approximately 1 per thousand, which is a third party to pay a great cost. Consumers to use third-party payment consumer, merchants will pay fees to a third party, but if the money transfers between individuals, "third-party accounts, in and out, go back in, stay less than one day. "Pony called," in and out I'll bear the cost of 1 per thousand, a figure which could bear! "According to him, even with third party payment platforms available on interest income, micro-January still cost more than 300 million.
支付宝10月12日起提现收费：每人2万基础免费额度 - 支付宝,
微信支付 - IT资讯
IT资讯讯 继微信3月开始收取用户提现手续费后，9月12日，支付宝对外发布公告表示，因综合经营成本上升，为了持续向用户提供更多优质服务，自2016年10月12日起，支付宝将对个人用户超出免费额度的提现收取0.1%的服务费，个人用户每人累计享有2万元基础免费提现额度。在用完基础免费额度后，用户可以使用蚂蚁积分兑换更多免费提现额度。
这距离微信收费相隔了半年多的时间。实际上，用户使用支付宝更多是用于各种消费、理财、缴费、还信用卡、手机充值等，相对而言，用到提现的机会不多。对超出免费额度的提现收费，对用户的实际影响不大。
每个用户享有2万基础免费额度
余额宝转出不受影响依然免费
提现是指用户通过第三方支付平台把资金转到银行卡的行为，支付宝调整提现规则并非业界首例，今年3月，微信已经开始对用户提现收取0.1%的手续费，每位用户累计享有1000元免费提现额度。
相比微信的零钱只能提现到本人的银行卡，支付宝提供的服务更加全面。据介绍，支付宝的提现涉及“提现到本人银行卡”和“转账到他人银行卡”两个功能。按照调整后的规则，支付宝也对超出免费额度的部分按提现金额的0.1%收取服务费，单笔服务费不到0.1元的则按照0.1元收取。不同的是，支付宝个人用户可以累计享有2万元元基础免费提现额度，这个额度是微信的20倍。
除了提现之外，使用支付宝进行消费、理财、购买保险、手机充值、水电煤缴费、挂号、缴纳交通罚款、使用手机支付宝转账到支付宝账户、还款等服务不受任何影响，用户免费使用的同时还可以获得蚂蚁积分，在用完免费额度后，用户累积的蚂蚁积分可以用于兑换免费提现额度。支付宝方面介绍，目前兑换比例是，1个蚂蚁积分可以兑换1块钱的免费提现额度，上不封顶。
此外，对于备受关注的余额宝，支付宝公告表示，余额宝资金转出，包括转出到本人银行卡和转出到支付宝余额将继续免费。不过，2016年10月12日起，用户从余额新转入余额宝的资金，转出时只能转回到余额，不能直接转出到银行卡。
相关人士介绍，这意味着10月12日之前，用户将余额转入余额宝，不但可以随时用于消费，在10月12日之后还是可以任意转入自己的银行卡。“如果余额里有钱担心被收费，现在把钱转入余额宝会是一个最佳选择。”
支付宝方面在公告中表示，收费的原因是“综合经营成本上升较快”，调整提现规则是为了减轻部分成本压力。
而此前，微信宣布提现收费时也表示“并不是追求营收之举，而是用于支付银行手续费。”
马化腾在今年3月份全国两会时曾介绍了第三方支付背后的商业模式，银行的钱离开银行体系，进入到第三方支付的账户，其实都是要收费的，转账的手续费大约在千分之一左右，这是第三方支付一项很大的成本。消费者使用第三方支付消费，商家会给第三方支付手续费，但如果是个人之间转账，“经过第三方账户，一进一出就又回去了，停留的时间连一天都不到。”马化腾直呼，“一进一出我就要承担千分之一的成本，这个数字哪一家都受不了！”据他介绍，即使算上第三方支付平台可以获得的利息收入，微信1月份的成本还是超过3亿。