This kind of account balance can be used for consumption and transfer, which is mainly suitable for customers to make small and temporary payments. Class II and Class III account customers have higher real-name authentication intensity, and their identity information is verified through at least 3 and 5 external channels respectively. Among them, the payment limit for the balance of Class II account is 654.38+10,000 yuan per year. The payment limit for the balance of the third-level account is 200,000 yuan per year.
After the real name of Alipay account, it is easy to check the payee's real name information when transferring and paying, to ensure that the information is correct, and it will be more convenient to retrieve the password. If the real-name authentication is not completed, users will be restricted to enjoy financial services such as Yu 'ebao, Zhaocaibao, Ant Flower Garden and Ant Borrowing.
It should be noted that if the user authentication information is not perfect enough, payment cannot be made through the account balance. Of course, the balance will not be frozen and will not disappear.
Zhou Yong, an expert in the network finance department of Minsheng Bank, said that this is mainly to prevent financial risks and protect the safety of individual users. "These three types of accounts have different security levels. A class of bank settlement accounts are fully functional and can be used for cash, wealth management, transfer, payment, payment, etc. ; Class II account is a limited part of the account and does not involve cash and financial management.
Class III accounts can only engage in limited payment and receipt business, and it is equivalent to having a limited electronic account if the limit does not exceed 1000 yuan on the same day.
Baidu Encyclopedia-Alipay