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Alipay and wepay
1.
2. THE MOMENTUM
NAME ID
Afsana Mimi 029-017
Niskriti Mandol 029-059
MD.Altaf Hossain 029-079
A.K.M. Ashraful Islam 029-083
Nabanita Dhali 029-115
3. Alipay
Trust Makes It Simple
Alipay.com is a third-party online payment platform
with no transaction fees. It was launched in China
in 2004 by Alibaba Group and its founder Jack Ma.
4. Wepay
Make payments
your platform's
strength
WePay is an online payment service provider in the United States.
The company provides a payment API to platform businesses
such as crowdfunding sites, marketplaces and small business
software.
6. An ALIPAY Account
1.Go to ALIPAY’s application site.
2.Choose your country.
3.Verify your email account.
4.Verify your phone number.
5.Fill out the registration form.
6.Login your alipay account.
7. A typical purchasing PROCESS:
1.Buyer chooses the product and makes payment.
2.Keeps money in escrow and inform the seller.
3.Seller send the product to buyer.
4.Buyer receives the product,makes confirmation and money sends
to seller from alipay account.
9. 1.Add your bank card to WeChat wallet.
2.Insert the information required.
3.Now you can get money in WeChat!
Go to”Balance”,click in “Top Up”,write the value you
want and insert your password.
Registration:
How does WePay work?
10. How does WePay work?
Payment:
Just need to go to “Quick pay” and the store will scan the QR code for
verification and will be completed payment easily.
Transfer:
To transfer money you need to have that person in your wechat contact
list.Go to “Transfer” in the Wallet, select a contact, the value, insert the
password and done!
11. Alipay Charging Method
Alipay charged:
1. Transaction Fee: Charge of each transaction value
Service Fee rate of the first calendar month will be 3.0 % of each Transaction Value.
Transaction value of preceding calendar month < RMB 1 Million = 3.0%
Transaction value of preceding calendar month >= RMB 1 Million = 2.5%
Transaction value of preceding calendar month >= RMB 3 Million = 2.2%
Transaction value of preceding calendar month >= RMB 10 Million = 2.0%
12. Alipay Charging Method
2. Remittance Fee:Settlement by turnover
3. Exchange Rate:Alipay would bear the exchange risk and cost
4. Withdrawal Fee: Charge service fee for cash withdrawal-
RMB=20,000 per year withdrawal is free.
Exceeds this quota charges 0.1% service on each transaction with a minimum
fee of RMB 10 cents per transaction.
13. WePay Charging Method
WePay offers two services :
1.Connect, a quick set-up approach -
A flat 2.9% + $0.30 per transaction (with credit cards)
1% + $0.30 per transaction (with bank transfer)
2. Clear, a white-label payment approach-
Merchants set their own pricing
14. Wepay and Alipay in Bangladesh
All one need is an email to sign up for free.
peer-to-peer (P2P) fund transfers in BDT.
shopping online on countless e-commerce
websites.
Withdrawing and adding funds directly with
local bank accounts.
Buying or selling through Facebook pages.
WePay and Alipay services is not available in bangladesh.if we can avail this
services in our country we will get the below benefit-
Hinweis der Redaktion
According to an analyst research report, Alipay had the biggest market share in China with 400 million users and control of just under half of China's online payment market in October 2016. According to Credit Suisse, the total value of online transactions in China grew from an insignificant size in 2008 to around RMB 4 trillion (US$660 billion) in 2012.
The company makes money by charging service fees only when money is collected. Payments with a credit card are charged a 2.9% + $0.30 service fee of the total amount of money collected.
First,go to alipay application site for making sure that you are using your email to register,http://memberprod.alipay.com/account/reg/email.htm.Then select your country.You have to choice of using chinese or foreign phone number.Use login password,payment password,security question,Id information,and passport number when filling your registration form.Login to your alipay account through http://www.alipay.com.If this is the first time you are visiting the it,you will need to install alipay applet in order to enter the password.Finally,you will need to make a deposit in your alipay account.
Alipay handle online payment in escrow and values buyers protection very much.A typical purchasing process using alipay goes as follows-The buyers choose the product and make the payment via alipay.Alipay,instead of sending money to the seller alipay account immediately,keeps the money in escrow and inform the seller that the buyer has made the payment.At the time money is neither controlled by the buyer nor the seller.the seller send the product to the buyer.The buyer receive the product and make confirmation in their alipay account.Alipay receives the confirmation and send money to the buyers.
Add your bank card to WeChat Wallet. You can insert the card number manually or take a picture of it. The app will require your password after that.Insert the information required: ID, full name, phone number registered in the bank. If you get a message saying that the information is not correct, try variation with your name. If it doesn’t work, go to your bank and ask for assistance.Now you can get money in WeChat! Go to “Balance”, click in “Top Up”, write the value you want and insert your password. Boom!
To Pay:Just go to “Quick Pay” and the store will scan the QR Code. It also work backwards, you scan a QR Code in a store, add the value and insert your password.Most convenience stores and supermarkets take WeChat payment in China, but I suggest you always ask before.To Transfer:To transfer money you need to have that person in your WeChat contact list. Go to “Transfer” in the Wallet, select a contact, the value, insert the password and done!
"Transaction fee
Charge of each transaction value
Service Fee. The applicable Service Fee rate of the first calendar month will be 3.0 % of each Transaction Value. Thereafter, based on the Transaction Value of the preceding calendar month, Alipay will charge Merchant Service Fee calculated in accordance with the fee listed below and Merchant authorizes Alipay to deduct such Service Fee from the Transaction Value to be settled with Merchant, and such Service Fee payable to Alipay by Merchant under the Agreement shall be exclusive of Taxes that may be levied by any applicable jurisdiction:
1. Where the Transaction Value of the preceding calendar month is less than RMB 1 million, the Applicable rate for the current calendar month is 3.0% of Transaction Value;
2. Where the Transaction Value of the preceding calendar month amounts to or exceed RMB 1 million, the Applicable rate for the current calendar month is 2.5% of Transaction Value;
3. Where the Transaction Value of the preceding calendar month amounts to or exceeds RMB 3 million, the Applicable rate for the current calendar month is 2.2% of Transaction Value;
4. Where the Transaction Value of the preceding calendar month amounts to or exceeds RMB 10 million, the Applicable rate for the current calendar month is 2.0% of Transaction Value;
Important Note: In calculating the Transaction Value for the purpose of applying the applicate Service Fee Rate herein, the Transaction Value associated with Merchant’s Web mode shall be calculated separately from Merchant’s Wap/App Mode.
Remittance fee
Settlement by turnover:
for example: clearing currency is USD, settlement limit will be 5000USD.
Alipay would pay the remittance fee for settlement banks. If there is any fee from intermediary bank and receiving bank, Alipay is not responsible for that.
Exchange rate
Alipay would bear the exchange risk and cost
None
Withdrawal Fee
Individual users have a quota of RMB 20,000 per year, within which any withdrawal is free; Alipay charges 0.1% service on each transaction with a minimum fee of RMB 10 cents per transaction if the total amount exceeds this quota. Users can also use rebate points to pay for the service fee.
WePay offers two services – Connect, a quick set-up approach and Clear, a white-label payment approach. Connect charges a flat 2.9% + $0.30 per transaction (with credit cards) and 1% + $0.30 per transaction (with bank transfer). Clear allows merchants to set their own pricing. Merchants that use WePay can expect funds to reach their accounts in about a day, and although the company is planning to expand internationally, it currently only supports American and Canadian buyers and sellers.
Peer-to-peer money transfer is an online system that allows individual members to complete financial transaction with one another by using an auction style process that lets members offer loan for a specific amount and at a specific rate.
Businesses will be allowed to buy/sell their products directly on their Facebook pages, truly allowing people to turn their Likes into Buys. With such an active Facebook audience, this will give any entrepreneur the opportunity to start selling on their own Facebook page.
e-wallet will have an extremely big impact on the payments industry in Bangladesh. It will fuel the entire e-commerce ecosystem as it will allow for secure and easy payment check-outs, which will in turn encourage entrepreneurs to launch more online businesses.