Chapter 740: Something went wrong

Zhao Di was very calm and very slow when describing a thing, and his attitude was completely different when he usually assigned tasks to his subordinates in the technical department.
"The deposit is collected instantly. The bank pays it, and the deposit arrives immediately. However, it is not our account that arrives, but Alipay. The refund of the deposit is also performed by the user from Alipay. Refund, Alipay also needs to pay immediately. Therefore, if Alipay delays payment to us, there is a possibility that after three days, the funds of those users will not be able to get the account because these users have already been born. Refund of the deposit. "
Shi Lei digested Zhao Di's words and quickly understood the situation.
The user's deposit, payment or refund is actually only a direct transaction with Alipay, and they did not actually pay Qixuan.
If the user within three days chooses the refund of the deposit, the money has not yet arrived in Qixuan's account, and it has been returned to Alipay by staying on the account for less than 72 hours. Then the money will never reach Qixuan's account.
Zhao Di was still saying slowly: "Especially in industries like ours that frequently pay deposits and frequently refund them, when Alipay makes full use of these 72 hours, it is difficult for us to ask them to take those The user's deposit is transferred to our account. In principle, we use the deposit deposited in the account for 72 hours as a disposable deposit, but now, for the 72 hours, Alipay helps We consumed it. The conclusion that our technical department can reach is this. The specifics need to be communicated with Alipay before they can be determined. "
Shi Lei frowned and asked, "How did Alipay pay these deposits before?"
"Basically there are rarely twenty-four hours. In fact, more than 80% of the deposit is entered into our account on the same day."
"So, can it be said that this is because of the large amount of our deposit, which caused Alipay to use our money? Did they use our money?"
"Theoretically, such a possibility does exist, or from the analysis of the current situation, this is the case. However, firstly, Alipay does have such power, and secondly, Yao Zong and I feel that this possibility is actually not great. Alipay The three-day deposit funds are also at least 20 to 30 billion yuan. For us, tens of millions, they should not be taken into account. "
Shi Lei's brow frowned even tighter. He was also anxious just now. After all, for Kai Xuan, whose valuation is less than one billion, and whose actual controllable funds are only tens of millions, the big amount on Alipay's account. In the tens of millions, a round of financing from Shang Qixuan was fully achieved. Using this money, Qi Xuan can open markets in at least three cities.
Now think about it, your ideas are really a bit naive. As a domestic hegemonic payment method, Alipay has a daily deposit of funds that is higher than the market value of most companies. ? To make it a little bit awkward, the monthly interest on the deposited funds of people is more than that.
I don't feel embarrassed, after all, I'm still young, and it's worth forgiving to think about things inadequately.
Shi Lei smiled at Zhao Di and said, "I seem to be a bit anxious. What you said makes sense. There is really no need for Alipay. It may be that their business methods have been adjusted, then we need to talk to each other. The new negotiations seek to shorten the 72 hours. "
But after Zhao Di also smiled, he once again opposed Shi Lei's words.
"That's not the case. The T + 2 model is already considered to be quite favorable by Alipay. If it's not the drug always found a relationship, it is usually a T + 3 payment method, which means that funds will be allowed. The longest stay on Alipay's account is only 96 hours. What's more, some startups are relatively small, they can only get the T + 7 model, and they can hardly get any from Alipay. Money has been deposited. "
Shi Lei scratched his head, wondering what to say.
Zhao Di said again: "Of course, this T + 2 is just a contract item. In fact, Alipay has never really been delayed until 48 hours before making a payment. What happened this week can only be It is said that there is a problem in some links. The possibility of internal adjustments of Alipay is not great, and they do not need to adjust only for us and Chongbai. I have asked some other companies, and their capital exchanges are still the same . "
"You mean ...?" Shi Lei whispered.
"I don't have much meaning. I'm just a technical person. All my considerations are from a technical perspective. You still have to discuss with the drug in terms of operation and strategy. What I can do is only provide technically. More possibilities. At present, because Alipay does not have a clear response, I can only do so much in terms of technology. According to the current technical survey, only us and Chongbai have encountered the same situation. "
This is the final answer given by Zhao Di. Shi Lei nodded and said, "Okay, Manager Zhao, please go first."
"Well, Shi Shao, you can always find me if you have something." Zhao Di also stood up and left.
Shi Lei called the second medicine again: "Zhao Di told you all about the situation?"
"Well, I just showed a timid in front of him ..."
Yao Er smiled and said, "Mr. think that it is Alipay that has stopped our deposit funds and made them into their deposit funds?"
Shi Lei was slightly embarrassed, hehe smiled.
"At present, the other party is consciously delaying the response time, so the suspicion of Mr. is valid. Basically, only such judgments can be made."
"However, with the scale of Alipay, tens of millions of us in this area ... even if we add Chong worship, we can't afford a hundred million."
"It shouldn't be less than 20 million when we worship there."
"Yeah, what about Alipay?
"Mr. Ma is definitely not, but the people below are hard to say. Sir, did Zhao Di tell you? Can I get T + 2 because I found someone. Exactly, my brother helped The person I'm looking for is the chief financial officer of Ali, who doesn't directly interfere with the operation of Alipay, but Alipay will definitely give him face. "
Shi Lei knew that Yao Er must have something to say, so he tentatively asked, "This person doesn't care about you now?"
"That's not ~ EbookFREE.me ~ he is still very polite and promised to help understand. But I have found him for more than three hours and did not respond. It stands to reason that such things should be cleared in half an hour. "
"Do you mean, it can basically be determined that it is Alipay who is in charge of our project?"
Yao Er snorted and said: "This is basically the case. I contacted their department yesterday. It has now been twenty-four hours. It stands to reason that he should call me back anyway, even if it is shoved. Cope with it. However, he did not, so from the perspective of human nature, it is basically that he has a problem. I am now conducting a human investigation on him to see his social relationship, which one is possible to get online with us of."
"I haven't offended too many people, right? Cao Chong is impossible, that's only Qiangzi?" Shi Lei said firmly.

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