1 . When you place an order on Taobao, you know the money you pay doesn't go directly to the seller.Instead, it goes through Alipay, which keeps your money for a while.Then Alipay gives the money to the seller.    1    .It is a transfer (财产转让)station between sellers and buyers to make online shopping safe. Buyers needn't worry about paying for products and then receiving nothing.Sellers also don't worry about receiving no money after sending products.These transfer stations are usually set up by payment service companies such as Alipay, Tenpay and YeePay.    2    .It has more than 270 million active users. 

Most online sellers and shoppers like the third party online payment, but banks are not happy.    3    .Users can benefit from financial products through Alipay and make money.So lots of people choose to put money in Alipay rather than in banks. 

    4    .WeChat doesn't have its own account.When paying through WeChat, the buyers' money goes directly to the sellers.That's why so many people are excited about receiving and handing out “red envelopes” or “gift money” to their friends on WeChat. 

Whether Alipay or WeChat payment, they are both trying to attract more users and make online shopping easier. They have made the best of QR code technology.    5    .Maybe in the future, your face is the key to everything.