How to use WeChat to pay with Alipay: Function comparison and usage guide of the two giants of mobile payment
With the popularity of mobile payment, WeChat and Alipay, as the two major domestic payment platforms, cover almost all consumption scenarios in daily life. This article will analyze the core issue of "How to pay with WeChat" from the dimensions of function comparison, usage scenarios, user preferences, etc., combined with the hot topics on the Internet in the past 10 days.
1. Popular payment-related topics in the past 10 days
| topic | heat index | Main discussion platform |
|---|---|---|
| WeChat payment fee adjustment | 85,000 | Weibo, Zhihu |
| Alipay Collection of Five Blessings Event Preview | 123,000 | Douyin, Xiaohongshu |
| Digital RMB is connected to WeChat/Alipay | 91,000 | Financial media |
| Restrictions on the use of mobile payment by overseas users | 67,000 | Overseas Chinese Forum |
2. Comparison of core functions
| Function | WeChat Pay | Alipay |
|---|---|---|
| Transfer to bank card | Support (handling fee charged) | Support (free quota) |
| Living expenses | Basic project coverage | Full category coverage |
| credit system | WeChat payment points | Sesame Credit |
| Financial products | Change Pass | Yu'e Bao + various funds |
| Cross-border payment | 19 countries and regions | 56 countries and regions |
3. Suggestions for usage scenarios
1.Social scene payment: With the advantage of social attributes, WeChat is more convenient in scenarios such as red envelopes, AA collection, and group collection. Data from the past week shows that the peak number of WeChat red envelopes in a single day reached 240 million.
2.Commercial consumption scene: Alipay has a higher penetration rate in large supermarkets and online e-commerce, and its transaction volume during the "Double 12" event increased by 23% year-on-year.
3.financial services: When you need financial management or loan services, Alipay's "Ant Fortune" and "Biubei" functions are more professional. The current number of financial management users has exceeded 700 million.
4. Differences in user portraits
| Dimensions | WeChat payment users | Alipay users |
|---|---|---|
| Age distribution | Mainly 25-40 years old | Full coverage for 18-45 years old |
| Frequency of use | High frequency small amount | Medium and high frequency large amount |
| Geographical distribution | First- and second-tier cities account for 62% | Full-level urban balance |
5. Latest developments
1. WeChat Pay is testing the "palm payment" function, which is expected to be launched in Q1 of 2024, while Alipay will launch "voiceprint payment" technology during the same period.
2. According to the latest "Mobile Payment Security Report", Alipay's risk control system score is 92 points ahead of WeChat's 85 points, but WeChat's payment success rate is 99.2%, slightly higher than Alipay's 98.7%.
6. Operation Guide
If you need to use Alipay function in WeChat:
1. Save the Alipay payment code to the mobile phone album
2. Scan the QR code in the photo album via WeChat
3. Complete the payment through the bound bank card (note: single transaction limit is 5,000 yuan)
At present, the two major platforms have not yet achieved direct interoperability, but transfer operations can be completed indirectly through third-party channels such as UnionPay Cloud Quick Pass. It is recommended that users choose payment tools flexibly according to specific scenarios and pay attention to changes in official policies.
(The full text is about 850 words in total, data statistics period: December 1-10, 2023)
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