The Alipay transaction limit varies according to real-name authentication, binding bank card type and usage scenarios. The daily transfer limit is 50,000 yuan per day, the payment of scanning code generally does not exceed 50,000 yuan per day, the red envelopes are not exceeding 200 yuan, and the maximum is 100 per day; credit card-related operations are determined by the issuing bank. The total annual transaction volume usually does not exceed 200,000 yuan. Bind multiple bank cards or upgrade the account level can increase the limit. Users can apply for an increase in amount by completing identity verification, binding more bank cards, increasing account activity, or contacting customer service.

Alipay, a widely used payment platform in China, has some daily and annual transaction limits to ensure the safety of user funds and meet regulatory requirements. These limits will vary according to the account's real-name authentication status, the type of bank card bound, and the usage scenarios.

Daily transaction restrictions

If you are a user who has not completed real-name authentication , your functions and transaction limit on Alipay will be greatly restricted. For example, daily consumption, transfer and other operations may not exceed several thousand yuan per day.

For ordinary users who have completed real-name authentication :

• Transfer money to others : Transfer money through balance or bound bank card, the daily limit is usually RMB 50,000.
• Scan the QR code to pay : For example, online shopping or offline QR code to pay, the cumulative total of no more than 50,000 yuan per day.
• Red envelope sending : Individual users send red envelopes, the amount of a single red envelope shall not exceed 200 yuan, and a maximum of 100 red envelopes will be sent a day.

It should be noted that if you use a credit card to repay or quick credit card payment , there may be a lower limit, which is determined by the issuing bank.

Annual transaction limit

The annual limit is mainly aimed at the cumulative total transaction amount of personal accounts , especially the capital flows involving real-name authenticated users.

• A real-name authenticated Alipay account has a total annual transaction volume usually not exceeding 200,000 yuan (including transfers, consumption, payment, etc.).
• If you bind more bank cards or upgrade your account level (such as becoming a "diamond member" or corporate account), this amount can be increased accordingly.
• Some high-risk operations (such as frequent transfers to strangers) may trigger the risk control system, resulting in early exhaustion of annual quotas or temporary restrictions.

How to view and increase limits?

If you find that your transaction is limited by the limit, you can learn about the current status and try to increase the limit in the following ways:

• Open the Alipay App → My Wallet → Payment Settings → Limit Management
• Here you can see the remaining available limits and limits for various transactions
• Methods to increase the credit limit include:
  • Complete more identity verification (such as uploading ID card photos)
  • Bind more real-name bank cards
  • Increase account activity, such as using Alipay more for consumption and payment, etc.
  • Contact customer service to apply for manual review (for special needs)

In some cases, if you are a merchant or a high-frequency user, you can also consider applying for an Alipay corporate account, which can obtain higher transaction permissions.

Basically that's it. Alipay's limit mechanism is for security considerations, but it also leaves room for improvement. As long as the account information is complete and the usage records are good, most users can meet their daily large-value payment needs.

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