Náš verdikt
Alipay is one of China's two dominant payment super-apps, with over a billion users and QR-code acceptance across virtually all Chinese merchants, bundling payments, transfers, investing and lifestyle services. Foreign visitors can pay via the Tour Pass feature but face FX spreads and verification hurdles. Essential for spending in China but of limited use elsewhere.
Klady
- Over a billion users; ubiquitous in China
- Super-app: payments, transfers, investing, lifestyle
- QR payments accepted almost everywhere
- Tour Pass lets visitors load and spend
- Free P2P transfers within China
Zápory
- Primarily useful inside China
- Visitors face FX spreads & verification
- Heavy regulatory oversight of Ant Group
- Limited English support abroad
Poplatky a klíčová fakta
| Registrace | Free |
|---|---|
| Měsíční poplatek | Free |
| Odeslat / přijmout | Free P2P in China; ~0.1% balance-to-bank |
| Směnný kurz | FX spread for inbound visitors |
| Výběry | ~0.1% to bank (China) |
| Karta | No physical card; QR-code linking bank cards |
| Dostupnost | China-centric; many countries via partners |
| Měny | CNY; FX via Tour Pass |
| Založeno | 2004 |
| Sídlo | Hangzhou, China |
| Regulace | People's Bank of China (PBOC); Ant Group |
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Alipay — frequently asked questions
Is Alipay safe to use?
Alipay is regulated by People's Bank of China (PBOC); Ant Group and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Alipay charge?
Account/monthly fee: Free. Sending or receiving: Free P2P in China; ~0.1% balance-to-bank. Currency conversion: FX spread for inbound visitors. Withdrawals: ~0.1% to bank (China). Fees can change and may vary by country, so always confirm the latest terms on the official Alipay site.
Which countries can use Alipay?
Alipay is available in China-centric; many countries via partners. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Alipay offer a card?
No physical card; QR-code linking bank cards. It supports CNY; FX via Tour Pass.
What is Alipay best for?
Alipay is best for everyday payments in china. Alipay is one of China's two dominant payment super-apps, with over a billion users and QR-code acceptance across virtually all Chinese merchants, bundling payments, transfers, investing and lifestyle services.
Who is behind Alipay and where is it based?
Alipay launched in 2004 and is based in Hangzhou, China, regulated by People's Bank of China (PBOC); Ant Group.
Comments 10
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Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.
Fast payments. The mini-programs inside the app are very useful. App is a bit crowded with advertisements for non-Chinese users.
Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.
Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.
Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.
Essential for traveling in China. I linked my international Mastercard and was able to pay at street food stalls and shops instantly using QR codes.
Essential for traveling in China. I linked my international Mastercard and was able to pay at street food stalls and shops instantly using QR codes.
Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.
Fast payments. The mini-programs inside the app are very useful. App is a bit crowded with advertisements for non-Chinese users.
Incredibly powerful super-app. You can pay bills, book high-speed trains, order food, and check out anywhere in China. Absolute game-changer.