To permanently delete an Alipay account, you must contact customer service and meet specific conditions. Users need to unbind their bank card, cancel automatic deductions, settle their debts, and close their associated investment products first, and then contact Alipay customer service by calling 95188, using the App Help Center or submitting online requests, but the account may not be deleted immediately due to transaction disputes, unsettled debts, legal restrictions or recent modifications. Even if it is successfully closed, some data will still be retained in accordance with Chinese financial regulations.

WhatsApp isn't ideal for formal, sensitive/business communication, long-term records, large files, critical reliability, or if recipients prefer other methods. Use alternatives when unsuitable.

WhatsApp downsides include privacy concerns (Meta data), limited backup encryption, single-device focus, misinformation spread, resource drain, fewer features, and spam risks.

This article explains why globally dominant WhatsApp isn't popular in the USA, citing strong default apps like iMessage/SMS, their affordability, entrenched network effects, and existing feature parity.

People avoid WhatsApp for varied reasons: privacy concerns tied to Meta ownership, distrust of Meta, security worries, preference for other apps' features, digital well-being, or network effects.

Registering a WeChat official account itself is free, but it may involve the following fees: 1. The certification fee is 300 yuan (both individuals or enterprises must pay to unlock advanced functions); 2. Server and development costs (ranging from dozens to thousands of yuan per month, depending on the specific needs); 3. Third-party tool subscription fee (about 100 to 1,000 yuan per month, depending on the functions and service provider); 4. Content creation and maintenance costs (including human resources and tool investment). Therefore, whether the incurred costs depends on the functional requirements and operation depth of the account.

Verifying an Alipay account as a foreigner is now more convenient, with only a passport and a Chinese mobile phone number. Specific steps: 1. Prepare a valid passport, Chinese mobile number and log in to Alipay; 2. Open the application and enter the "My" page to find the real-name authentication option; 3. Select the overseas user entrance, fill in the passport information and upload photos; 4. Follow the instructions to complete the self-port verification; 5. Wait for a few seconds to confirm the result. Notes include ensuring clear photos, good lighting, and some features such as Huabei may still be unavailable. If you encounter any problems, you can seek support through the Help Center or customer service.

AlipayHuabei (Ant Huabei) is a "enjoy first and pay later" service provided by Alipay. Users can use this function to consume on online platforms such as Taobao and Tmall and offline merchants, and choose to repay the full amount at the end of the month or pay in installments. The quota is dynamically evaluated by the system based on user's transaction records, account information and the use of Alibaba's ecological services. 1. When using it, just choose Huabei as the payment method; 2. There is a monthly billing cycle and enjoy an interest-free period of about 40 days; 3. You can choose the minimum repayment but interest will be generated; 4. Large-scale consumption can be divided into 3, 6, 12 periods or even longer periods. Common uses include shopping, living expenses, takeaway ordering, supermarket consumption, travel reservations and tuition payments. It is recommended to set up automatic management