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Alipay's new feature allows users to track how the app collects data about them and is an interactive equivalent to a privacy policy, which explains how an app collects, stores, and shares user data. [83] Alipay was banned in India (along with other Chinese apps) on 2 September 2020 by the government amid the 2020 China-India skirmish. [84] [85]
An e-commerce payment system (or an electronic payment system) facilitates the acceptance of electronic payment for offline transfer, also known as a subcomponent of electronic data interchange (EDI), e-commerce payment systems have become increasingly popular due to the widespread use of the internet-based shopping and banking.
Ant Group (Chinese: 蚂蚁集团; pinyin: Mǎyǐ jítuán), formerly known as Ant Financial, is an affiliate company of the Chinese conglomerate Alibaba Group.The group owns the world's largest mobile (digital) payment platform Alipay, which serves over 1.3 billion users and 80 million merchants, with total payment volume (TPV) reaching CN¥118 trillion in June 2020.
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In 2013, Alipay launched a financial product platform called Yu'ebao (余额宝). [178] Alipay partnered with the Tianhong Asset Management to launch it to the general public. [178] Yu'ebao offers an online money market account in which Alipay customers can deposit money and receive a higher interest rate than that available from banks.
At the time it was implemented, the mandatory escrow feature of Alipay was a major institutional innovation for e-commerce platforms. [7]: 53 This was a major reason Taobao was able to outcompete eBay/EachNet in the Chinese market. [7]: 53–54 Alipay systems are separate for different groups of users.
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A merchant account is a type of bank account that allows a seller, known as the merchant, to accept payments by debit or credit cards.A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment card transactions.
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