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As a widely used third-party mobile payment platform in China, Alipay is committed to providing more convenience for users in shopping and payment. With the increasing popularity of Alipay merchant QR code payment, many people are curious about the maximum amount per transaction that can be paid by scanning the QR code. Let's explore the answer together below.
Before talking about the transaction limit, let's first understand what Alipay merchant QR code payment is. Alipay’s merchant QR code payment is a payment method that allows customers to scan the QR code generated by the merchant with Alipay, and directly confirm the payment amount on the Alipay app to complete the payment. It is safe, fast, and can be completed in seconds. This payment method has been widely used in many offline industries, such as retail, catering, and transportation.
The maximum transaction limit of Alipay merchant QR code payment is not fixed, but varies according to different scenarios. Generally speaking, the daily limit for individual users' payment to a single merchant QR code is no more than 5000 yuan, and the maximum amount-per-transaction limit is no more than 5000 yuan. However, for business users, the transaction limit is much larger. Alipay has launched a new feature called "Lingqianbao” for business users, which supports payment up to 50,000 yuan per transaction as well as a daily limit of up to 200,000 yuan.
It's worth noting that the transaction limit of Alipay merchant QR code payment is not the same as the weekly or monthly transaction limit of Alipay. Besides, since Alipay merchant QR code payment is a real-time payment method, sometimes the payment may fail due to network or other issues. If this happens, customers need to confirm with the merchant that the payment has not been received, and then can try to make payment again. If the payment fails again, then customers need to check if there is insufficient balance in their Alipay account or if their bank card has expired or been cancelled.
Alipay merchant QR code payment charges a handling fee of 0.38% per transaction for business users, while retail users are exempt from the fee. However, there is no minimum charge limit. In addition, Alipay merchant QR code payment does not support overseas payment, which means it can only be used within China. Also, it is worth mentioning that Guangliyun’s payment code can provide a minimum fee rate of 0.2% for enterprise customers, please contact its customer service for details.
Alipay merchant QR code payment has many advantages, such as immediate payment, convenient usage, and wide application in offline businesses. The transaction limit varies according to different scenarios, which means customers need to pay attention to the maximum limit when making payment. Also, they need to pay attention to the handling fee and payment scope. In summary, Alipay merchant QR code payment is a highly recommended payment method, which can bring merchants and customers a more convenient and efficient payment experience.
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