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Table of Contents
Withdrawing money from Alipay to a bank account
Transferring money to another Alipay user
Merchant transaction fees
Home Software Tutorial Mobile Application What are the transaction fees for Alipay?

What are the transaction fees for Alipay?

Jul 02, 2025 pm 02:41 PM

Alipay generally does not charge users transaction fees, but will charge in certain circumstances. 1. Withdrawal to the bank card: Individual users enjoy free credit limits, charge 0.1%-0.3% after exceeding the limit, and the merchant account fee is higher; 2. Transfer to other users: Free use of balance or debit card, and charge 0.1%-0.5% fee with credit card; 3. Merchant transactions: 0.5%-1% service fee is charged based on transaction volume, and the high-risk industry fee is higher. Ordinary users usually do not need to pay fees, except for frequent withdrawals or business operations.

What are the transaction fees for Alipay?

Alipay itself does not charge users for making transactions in most cases, especially when you're using it to make purchases online or in-store. However, there are certain scenarios where fees may apply depending on the type of service or transaction involved.

What are the transaction fees for Alipay?

Withdrawing money from Alipay to a bank account

If you want to transfer money from your Alipay balance to your bank account, there is usually a service fee. For individual users, Alipay provides a certain amount of free withdrawal each day or month. Once that limit is exceeded, a percentage-based fee applies.

What are the transaction fees for Alipay?
  • Free quota varies by region and user level
  • Fees typically range from 0.1% to 0.3%
  • Business accounts usually have higher fees than personal accounts

It's always a good idea to check your current free withdrawal limit in the app before initiated a large transfer.

Transferring money to another Alipay user

Sending money to someone else via Alipay is generally free, but if you fund the transfer with a credit card, the sender might be charged a handling fee. This is because credit card payments carry risk for the payment platform.

What are the transaction fees for Alipay?
  • Sending from your Alipay balance or linked debit card is free
  • Using a credit card could result in a 0.1%–0.5% fee
  • Recipients never pay any fees

This is one reason why many people prefer to top up their Alipay balance from a bank account first before sending money.

Merchant transaction fees

For businesses using Alipay to accept payments, there are standard merchant service fees. These are typically around 0.5% to 1% per transaction, depending on the business type and agreement with Alipay.

  • Physical stores and online shops are charged differently
  • High-risk industries (like finance or adult services) may face higher rates
  • Some small businesses or charities may qualify for lower fees

Merchants can contact Alipay's business support team to get detailed pricing based on their specific needs.

So, whether or not you'll pay a transaction fee depends largely on how you're using Alipay and the type of transaction involved. Most regular users don't run into fees unless they're frequently withdrawing funds or running a business through the platform.

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