This bpost is about qqcard, but I will also touch on red packet and standard 转账

— 转账 and red packet .. fund is physically transferred to PersonB.

转账 quantum can be much bigger than red packet. On 17 Jan 2025 I was able to transfer to ZLH’s alipay, even though her SRRZ was incomplete

red packet … looks like a specialized transfer… has multiple types

— 亲情卡[qqcard] .. PersonA can authorize a 亲情卡 for PeronB-only. PersonB is the sole qqcard_beneficiary. There’s a concise FAQ inside alipay about various types of qqcard, but I’m only interested in the PPD type (零钱版). When Person gives a qqcard, it is a new PPD account created from PersonA’s main PPD account. PersonA can transfer between the two PPD. When the qqcard PPD balance increases/decreases, it would be reflected in PersonB’s alipay APP.

Q: why, according to alipay hotline, is qqcard “safer” than fund transfer to wife’s alipay?
%%A: with R1000 fund transfer it could get stuck in PersonB’s alipay account. With qqcard, PersonA has full control and can transfer it back to PersonA’s PPD.

A qqcard beneficiary (PersonB) can’t transfer fund, as confirmed with Alipay hotline. In B’s alipay, deduction precedence shows 1) qqcard PPD 2) PersonB’s PPD 3) bank cards bound to PersonB’s alipay. Under the hood, the qqcard balance is an earmarked (冻结) amount in A’s PPD.

Every time PersonB “spends” the qqcard for 消费, deduction (from the qqcard PPD) takes place without[3] PersonA’s authorization — by default. Default can be overridden by “二次确认” — any spend above a configurable threshold (like Rmb1) will require PersonA’s approval. (Inconvenient for PersonB)

In rare cases the payment interface won’t support 二次确认 and will /outright/ reject the payment 🙁

There are currently three funding_channels for any qqcard in PersonA’s Alipay account .. PPD, ICBC bankCard, Psbc bankCard. To control the deduction order, PersonA must choose exactly one modes below:

• 指定渠道唯一扣款 .. you pick exactly one channel. All other channels are unconditionally, completely locked up for this qqcard
• 指定渠道优先扣款 .. you pick exactly one channel. Iff deduction unsuccessful, the_other_channels are used in some default order.
• .. 不加入自动扣款 .. let you exclude one of the_other_channels. If you exclude all of the_other_channels, then this mode is equivalent to the other mode, as confirmed with Alipay hotline.

PersonA can see itemized bill on the qqcard.

I find the controls adequate 🙂 I feel ressured, although [3] is a risk.