1, merchants need to pay some fees to the platform when setting up the payment service that can use flower buds, which is the so-called handling fee. Generally, buyers use flower buds to pay, and sellers have to pay a handling fee of 0.8%- 1% of the order. Although the amount paid is not much, for small shops, many a mickle makes a mickle, and the operating profit will be reduced. Therefore, they

2. The flower beds are not set casually, and can only be set when conditions are met.

First, the goods sold by merchants cannot be virtual goods, such as game recharge and mobile phone numbers. , or gold jewelry and other categories with investment and financial management attributes; Second, there is no installment payment, which is not an abnormal transaction judged by the system; Third, the store needs to reach a certain level, at least a seller with more than 3 stars; Fourth, the system will automatically and comprehensively evaluate the seller's store status, opening time, credit record, punishment record, grade, main category and so on. , can only be opened after all requirements are met.

Extended data:

The industry believes that banks and other financial institutions have experience in capital and risk control, while Huayuan has consumption scenarios and risk control data. Both sides have their own strengths and complementary advantages. Therefore, cooperation can not only make finance truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, which is conducive to the development of the industry.

Ant flower buds support multi-scene shopping. Previously, the main application scenarios were Taobao and Tmall, and most merchants in Taobao and Tmall can use it to pay.

Ant Flower Garden has stepped out of Ali's e-commerce platform and * * * has access to more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon and Suning; Local life service websites, such as word of mouth, Meituan, and public comments; Mainstream 3C official shopping malls, such as official shopping malls such as LeTV, Haier, Xiaomi and OPPO; There are also some overseas shopping websites.

Reference: Bai Hua-Baidu Encyclopedia, official merchant service center of Taobao.