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The credit card and debit card limits of major banks on Taobao Alipay are introduced in detail!
Payment limit
VIP version (contracted customers) popular version (non-contracted customers)
Single daily limit single daily limit
Credit card overdraft limit 1000.00 5000.00
Debit card 500000.00 2000000.001000.00 5000.00
From July 26th, 2007, customers of Minsheng Bank need to activate the "Minsheng Card Payment" function if they want to use it. If they don't activate it, they can't continue to use it. Click "Apply for Popular Edition of Minsheng Bank" and enter "Apply for Service" to activate this function easily! Please click for details and click for application.
Payment product type: VIP version (contracted customers)/Volkswagen version (non-contracted customers)
Solution: the popular version can be opened directly on the website; The VIP version needs to hold an ID card and a bank card to open an account in a bank.
Limit: the single limit of the popular version 1000 yuan, and the daily limit is 5000 yuan; The VIP version has a single limit of 500,000 yuan and a daily limit of 2 million yuan.
Official website:/
Bank of Communications
Payment limit
Certified version of mobile phone registration certificate
Single daily limit single daily limit
Which is lower, the credit card 5000 yuan or the credit card itself? Which is lower, the credit card itself 1000 yuan or the credit card itself 1000 yuan or the credit card itself?
Debit card 5000 yuan 5000 yuan 50 thousand yuan 50 thousand yuan
Quasi-credit card 5000 yuan 5000 yuan 50 thousand yuan 50 thousand yuan
Payment product type: mobile phone registered version (popular version)/certificate certified version (professional version)
How to handle it: You need to bring your ID card and bank card to the counter of Bank of Communications to open the online payment function and become a registered mobile phone user or certificate authentication user of Bank of Communications. It needs to be activated after opening. Credit card can't be opened separately, and you need to attach debit card or quasi-credit card to open online payment function.
Limit: the cumulative daily limit of mobile phone registration version of quasi-credit card and debit card is 5000, and the certificate version is 50000; Which is lower, the limit of 5000 yuan for mobile phone registration of credit card or the overdraft limit of credit card itself, the certificate version 1000 yuan or the overdraft limit of credit card itself?
Supported card types: credit card/debit card/quasi-credit card.
Official website:
Guangdong Development Bank
Payment limit
Daily limit
The maximum retail overdraft of credit card gold card is 60,000 across deposits of 654.38+million, and the maximum retail overdraft of Puka card is 40,000 across deposits of 70,000, depending on personal credit limit.
The single maximum amount is 500 yuan, and the single minimum amount is 0.99 yuan, and the number of times is not limited.
The single debit card is limited to 500 yuan, and the number of times is unlimited. You must sign the transfer agreement at the counter to open online payment.
The limit of a single passbook is 500 yuan, and the number of times is unlimited. You must go to the counter to sign the transfer agreement before you can open online payment.
Supported product categories: regardless of version
Handling method: credit card can pay online by itself; Debit cards and passbooks must go to the counter to sign the transfer agreement before online payment can be opened.
Limit: the maximum retail overdraft of credit card gold card is 60,000 yuan, and the maximum retail overdraft of ordinary card is 40,000 yuan, and the maximum single limit is 0.99 yuan, and the maximum single limit is 500 yuan. Debit cards and passbooks are limited to 500 yuan, and the number of times is unlimited.
Supported card types: credit card/debit card/passbook
Official website:/
China Citic Bank
Payment limit
Enhanced Edition (Certificate Edition)
File certificate user mobile certificate user
Single daily limit single daily limit
The balance in the debit card is within 1000 and 5000 or the limit set by the customer.
Credit card 500 yuan credit card overdraft limit or customer-set limit 500 yuan credit card overdraft limit or customer-set limit.
Payment Product Type: Enhanced Edition (Certificate Edition)
How to handle it: You need to bring your ID card and bank card to CITIC Counter to open the online payment function. Credit card can't be opened directly, and it needs to be attached to the debit card that has been opened before the online payment function can be opened.
Limit: the single credit card limit is 500 yuan, and the daily limit is the overdraft limit of the credit card itself or the limit set by the customer; The limit of debit card is the balance in the card or the limit set by the customer.
Supported card types: credit card/quasi-credit card/debit card.
China Merchants Bank
Payment limit
Professional version popular version
Single daily limit single daily limit
The single credit card limit is 499.99 yuan, and the single-day limit is determined by the credit card limit.
Debit card unlimited unlimited 5000.00 5000.00
Special reminder: In order to ensure the safety of your funds to the greatest extent, from August 17, 2007, online payment transactions will be dynamically managed by using the "verification code", that is, when customers pay online, they will start the "verification code" in time to verify their identities. You need to use the phone reserved when applying for online payment function to obtain the four-digit "verification code" by SMS or phone. If there is no reserved phone number or the reserved phone number is wrong when the online payment function is opened, you can call the customer service phone number of China Merchants Bank 95555 for consultation. Click here for details.
Payment Product Type: Professional Edition/Popular Edition
How to handle it: the popular version can be opened by any means such as counter, telephone banking and online registration; Professional version, you need to bring your ID card and bank card to the counter of China Merchants Bank to open it.
Limit: the single credit card limit is 499.99 yuan, and the single-day limit is determined by the credit card limit; For the popular version, the limit of single transaction and single day is 5,000, and the cumulative daily guarantee period opened through online registration does not exceed that of 500 yuan. The protection period will automatically end after the cumulative online payment transactions from 200 yuan reach 15 days. If the online payment function is enabled by phone or over the counter, there is no protection period. Professional edition is not limited.
Supported Card Types: Credit Card/Debit Card
Official website:
SDB Shenzhen Development Bank
Payment product type: development card user (using card number and card static password)/dynamic password scratch card user/dynamic password encoder user/digital certificate user.
Processing method: users of development cards apply directly through Shenfa website/password card, and encoders and digital certificates need to apply for opening at the bank counter with their ID cards and bank cards.
Limit: the daily cumulative limit of development card users is 500 yuan; The daily cumulative limit of the dynamic password scratch card is 5000 yuan, and the number of times the dynamic password scratch card is used is 28 times. After use, you need to renew your card at the bank counter; There are no restrictions on encoders and digital certificates.
Support Card Type: Debit Card
Official website:/
Pudong Development Bank
Payment product type: digital certificate version/dynamic password version
How to handle it: go to the bank counter with your ID card and bank card or passbook to open it.
Limitation: There is no limitation on the version of digital certificate; The daily cumulative limit of dynamic password version is 50000.
Supported card types: debit card/passbook/quasi-credit card.
Official website:
industrial bank
Payment product type: certified customer/non-certified customer/Industrial Electronic Card.
Handling method: non-certificate customers can register and open directly online; Industrial electronic cards can be applied directly online. If there is no bank card application from Industrial Bank, you need to go to the counter to confirm. Certificate customers need to bring their ID cards and bank cards to the counter for opening. After opening, they need to download the certificate and activate it.
Limit: there is no limit for certificate customers; Non-certificate customers have 1000 and 5000 quotas, which are selected by customers themselves when opening online shopping function; The daily limit of e card is 5000 yuan.
Support Card Type: Debit Card
Official website:/
Postal transfer
Payment product type: Alipay general account/Alipay account with SMS reminder enabled/Alipay account with digital certificate installed.
Handling method: go to the postal remittance networking outlets to handle online payment and remittance, and set the remittance password by yourself.
Limit: the maximum income from a single bill is 2,000 yuan, and there is a limit on the number of times that e-remittance can be recharged. Ordinary account 1 time/day; The account with SMS reminder has been opened 3 times/day; There is no limit to the number of accounts with digital certificates installed.
Card Type Support: You don't need a postal account.
Postal green card
Payment Product Type: Normal Edition
How to handle it: register directly on the postal website.
Limit: Daily cumulative limit 300 yuan
Support card type: postal green card
Shanghai Pudong Development Bank B2B
Payment product type: Shanghai Pudong Development Bank account (online banking of Shanghai Pudong Development Bank is required)
Handling method: To make payment through Alipay's online banking payment channel, you must first open the online banking of Shanghai Pudong Development Bank. Please refer to /entbanlixuzhi.html for details.
Limit: set by the customer.
Support Card Type: Pudong Development Enterprise Account
visa
Payment product type: regardless of version
How to handle it: Please confirm that you are a user who has opened an account in Hong Kong, and that your visa international card has been verified by visa. Alipay only supports verified visa cards for confidential payment. There are generally two ways to open visa verification: self-registration and opening the counter of the issuing bank website. Please consult your issuing bank for details.
Limit: the single payment amount shall not be less than 1 yuan, and the daily limit shall be set by the customer.