Author Topic: Payment methods for AliExpress  (Read 147 times)

ThothLoki

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Payment methods for AliExpress
« on: May 09, 2017, 05:41:21 PM »
So, what does everyone use for payment on AliExpress? I do not like to use credit cards on sites like this and prefer something like PayPal. Of the options that AliExpress does have, alas PayPal is not one of them.

Does anyone have experience with alipay?

I know this is not a laser question, but I am sure you know why I am enquiring.  ;D
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Re: Payment methods for AliExpress
« Reply #1 on: May 09, 2017, 06:10:23 PM »
I've been buying laser kits and all kinds of laser parts and supplies from AliExpress->Novel Life, for over a year, using my credit card every time, and I have never had any problems at all.
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ThothLoki

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Re: Payment methods for AliExpress
« Reply #2 on: May 09, 2017, 07:31:15 PM »
Thanks Ralph. That speaks for one seller. How about the others?

Do you think AliPay has the same security and payment protections that PayPal does?
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Re: Payment methods for AliExpress
« Reply #3 on: May 09, 2017, 08:11:27 PM »
>How about the others?

I couldn't say as I've not done business with any other sellers. Maybe someone else has and will jump in and say.

>Do you think AliPay has the same security and payment protections that PayPal does?

I don't know -- AliExpress is an eCommerce website, not a payment processing service. I looked on their website and could not find the word or a link 'AliPay', so I don't know what that is or what that means that I couldn't find a reference to it.
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Stonemull

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Re: Payment methods for AliExpress
« Reply #4 on: May 10, 2017, 02:32:37 AM »
Alipay is actually bigger than paypal and has huge international payments go through it, they deal in the millions as well as the cents.
They have an awful lot  to lose if shown to be suspect.

You could go get a prepaid debit card and top it up as needed if you are super concerned.
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ThothLoki

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Re: Payment methods for AliExpress
« Reply #5 on: May 10, 2017, 06:23:19 AM »
Thanks stonemull. I know alipay is big and does a lot more than PayPal. It is huge in China.

Anyone from the US or U.K. Use it? Just curious how it works for us westerners.

I try to always be careful with my credit cards online. I work in the low voltage industry (fire alarm, burglar, CCTV etc) and we have some cyber security experts. One was telling us about security on the web in a meeting and hacked my boss's computer. It was scary and funny
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Re: Payment methods for AliExpress
« Reply #6 on: May 10, 2017, 06:54:25 AM »
>You could go get a prepaid debit card and top it up as needed if you are super concerned.

Actually a debit card is your poorest choice to use for purchase protection. Very hard to get your money back on a debit purchase.

A credit card is best because you can call your credit card company and have them issue a 'charge back' against the seller. This reverses the charge, so you get your money back, and it puts a black mark on the sellers merchant account. Too many charge backs and the seller will lose his merchant account.
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Stonemull

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Re: Payment methods for AliExpress
« Reply #7 on: May 10, 2017, 07:41:46 AM »
That's not the type of concern I would have, ok you may lose the bucks you put into that single purchase if Alipay decides for some ungodly reason to rip you off, there is not a lot of evidence of that.
The vendor cannot rip you off I am aware of since Alipay is an escrow service and till you get your item and are happy, the seller does not see your cash, plus they run similar to a 3 strikes policy and dodgy vendors soon find themselves locked out of alipay, that is why they scream about "5 Stars or contact us first with any issues".
The major concern with having your CC number out in the wild is if the number itself is handed over to dodgy third partys. No chargeback is going to help you much with that until you cancel the card, then whether you get the money back is up to the bank.
That is why using a payment gateway like paypal or aliexpress makes sense and I bet you I can find more people ripped off by paypal than alipay.
Chinese penaltys for fraud are somewhat more unpleasant and possibly life ending than the slap on the wrist you might get in other countrys and alipay was brought in by the chinese government to instill trust in chinese purchases. So they will frown upon shenanigans.





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ThothLoki

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Re: Payment methods for AliExpress
« Reply #8 on: May 10, 2017, 07:50:22 AM »
Thank you all for your input.

I like using paypal as it offers a "buffer" between my CC number (bank card) and some online seller. The other protections make it even better (did not have them when I first started using Ebay's paypal service  ;))

I have heard a lot about AliPay and 95% is good. Of the AliExpress payment methods, I am leaning towards this. I like having a middle man to help in case there is an issue, but mainly to protect my CC numbers from who-knows-who-I-am-sending-it-to

I will do a bit more research and post back with my results.

BTW, I heard AliPay is starting to accept bitcoin transactions. Sound like it is in preparation for the next Olympics
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Re: Payment methods for AliExpress
« Reply #9 on: May 10, 2017, 08:26:01 AM »
I wouldn't mind reading up more on AliPay but I can't find a link about it on their website? Am I just blind?
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ThothLoki

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Re: Payment methods for AliExpress
« Reply #10 on: May 10, 2017, 08:40:19 AM »
I wouldn't mind reading up more on AliPay but I can't find a link about it on their website? Am I just blind?

https://intl.alipay.com/

AliPay is not owned by AliExpress from my knowlege. It just uses the same first few letters. Kinda like AliPay, AliExpress, Alibaba......... They must like boxing ;D
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Zax

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Re: Payment methods for AliExpress
« Reply #11 on: May 10, 2017, 09:20:50 AM »
Alibaba owns AliExpress and AliPay as well as many other subsidiaries.

ThothLoki

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Re: Payment methods for AliExpress
« Reply #12 on: May 10, 2017, 09:36:17 AM »
Thanks for the update Zax. Any opinions?
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Re: Payment methods for AliExpress
« Reply #13 on: May 10, 2017, 09:59:23 AM »
I haven't used Ali-anything and don't plan to - so I guess that's my "lack of opinion".

Stonemull

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Re: Payment methods for AliExpress
« Reply #14 on: May 10, 2017, 10:09:17 AM »
Owned by alibaba group.

https://en.wikipedia.org/wiki/Ant_Financial_Services_Group

https://qz.com/670303/alibabas-spinoff-financial-service-company-is-now-worth-as-much-as-uber/

Alipay claims to have 450 million active users and settles 200 million transactions daily. Annual transaction value is estimated at US$3 trillion.

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