Source: Zhongxin Jingwei
You may have encountered this situation. After shopping online, it is found that the order amount has exceeded the payment limit when paying the payment limit.EssenceThis is because the fast payment limit of the card is excessive.
Recently, a number of banks have announced the transaction limit for increasing the transaction limit for the rapid payment of Alipay or Tenpay.Wan Ti is as high as 6 million.Industry insiders believe that this makes users smoother when conducting large consumption or capital circulation, and enhances users satisfaction with banks and third -party payment platforms.
A banks quick payment limit is increased to a single 200,000
The BankFrom November 18th, the Bank of Communications will increase the banks debit card on the Alipay consumption scenarios fast payment limit to RMB 200,000, a daily cumulative 200,000 yuan, a monthly cumulative 6 million yuan, AlipayOther scenarios such as transfer, financial management, and repayment continue to maintain the current limit standards, that is, RMB 50,000, a daily cumulative 100,000 yuan, a monthly cumulative 600,000 yuan.Page prompts are subject to.
Zhongxin Jingwei Consult the Bank of Communications customer service as a customer on the 13th.The total daily cumulative 100,000 yuan and a monthly cumulative 600,000 yuan.Except for Alipay channels, will other consumer scenarios be adjusted?The above -mentioned staff said that there is no relevant announcement at present and can continue to pay attention.
China Merchants Bank also announced that it will be increased from October 10 to the fast payment transaction limit for the banks debit card in Alipay consumption scenarios to 200,000 yuan a single day, and200,000 yuan.The trading limit for wealth management, transfer and other scenarios continued to maintain the current single -day 50,000 yuan and 50,000 yuan.If the quick payment limit has been adjusted through the China Merchants Bank APP, the adjustment of this limit will not change the customers settings.
According to the customer service staff of China Merchants Bank, the previous single -day and single limit are 50,000 yuan.We have also encountered a lot of customers who could not ask for inquiries, so we increased the use of consumer categories (limit), but the others were still not adjusted.Two announcements were released in July this year to adjust the banks debit card and credit card Tenpay (WeChat payment) quick payment transaction limit.
Specific as follows: From August 1st, the Tenpay Communication Card Express payment transaction limit is adjusted to: 40,000 yuan for a single pen, 50,000 yuan a day, a monthly cumulative 50,000 yuanEssence自7月18日起，财付通借记卡快捷支付交易限额调整至：单笔4万元、单日8万元、月累计60万元；其中，理财场景借记卡快捷支付交易限额调整To: 300,000 yuan, a daily cumulative 300,000 yuan, a monthly cumulative 600,000 yuan.
In addition, Zhongxin Jingwei consults the four major banks of China Construction as a customer on November 13th.A single 50,000 yuan, a daily cumulative 100,000 yuan, a monthly cumulative 600,000 yuan increased to a single 200,000 yuan, a daily cumulative 200,000 yuan, and a monthly cumulative 1 million yuan.
Industrial and Commercial Bank of China, Bank of Chinas debit card for Alipay and Tenpays debit card is 50,000 yuan, and a total of 100,000 yuan per day.Construction Banks quick payment limit at Alipays debit card is the same as above. Tenpays debit card quick payment limit is 50,000 yuan and a total of 90,000 yuan per day.
Industry: or more banks follow up
The account is bound to the account of a third -party platform (such as WeChat and Alipay) to achieve fast payment within a certain limit.
There are two limits related to fast payment. One is the omnichannel limit of non -counter on the counter., Quick Payment, etc.) Transfer, consumption, and cash withdrawal; the other is the fast payment transaction limit, which refers to the limit on the users account on a third -party platform (such as WeChat, Alipay) for quick payment transactions.The user account is influenced by the non -counter omni -channel limit and the fast payment limit when fast payment transactions, and the principle of low low is controlled.
Why did the bank raise the limit of some fast payment?Many banks mentioned in the announcement that "in order to further enhance the users payment experience."
In this regard, Wang Pengbo, a senior analyst of the financial industry in Broadcom, told China Singapore Jingwei analysis that increasing the fast payment limit can reduce users payment generated by the limit limit of users, allowing users to be inWhen a large consumption or capital transfer is more smooth, it will enhance the satisfaction and loyalty of users satisfaction with banks and third -party payment platforms.At the same time, increasing the payment limit can provide users with greater consumption space and stimulate consumption willingness.In addition, the improvement of compliance and risk control capabilities has laid the foundation for improving the quota.
Xue Hongyan, deputy dean of the Star Map Financial Research Institute, said to Zhongxin Jingwei that in the field of payment, security and efficiency are at both ends of the balance.Efficiency, specific scale, requires consideration of actual needs and technical level.
In Xue Hongyan, some banks increase the quick payment limit of consumption scenarios this time, potential security risks are controllable, and can improve user experience, better meet users in buying cars to buy cars in buying cars.The payment needs of large consumption scenarios such as decoration meet the general direction of the macro level to promote consumption.
"The bank that has not been adjusted in the future may follow up." Wang Pengbo said that after the bank should evaluate its own risk management system, fully understand the users payment needs andConsumption habits will formulate a reasonable limit limit according to the needs and habits of users.
Xue Hongyan also believes that the financial institutions are basically homogeneous services, facing the same regulatory environment and consumer needs. Generally speaking, when several influential banksWhen adjusting the industrys practice, as long as it can take into account security and efficiency and improve the user experience, other banks will follow up.At this stage, banks probably take the lead in improving the fast payment limit of Alipay and Tenpay. After a period of time, the limit of other payment tools is adjusted.
Text: Wei Wei
