Under the age of 18, you can apply for Alipay, but you can't do real-name authentication. Money charged into Alipay or transferred to Alipay cannot be withdrawn. You can only spend money on Taobao and online shopping malls that support Alipay transactions.

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Alipay real name authentication

Users need real-name authentication when using payment services, which is a requirement put forward by regulators such as the central bank. After real-name authentication, they can open a shop in Taobao, add more payment services, and more importantly, help improve the security of their accounts. Real-name authentication needs to verify both member information and bank account information.

From July 1 2006, the balance payment and transfer functions of users with imperfect real-name authentication will be restricted.

Personal payment accounts are divided into three categories, with different functions, quotas and information authentication standards. Among them, Class I accounts only need an external channel to authenticate customer identity information, such as online verification of resident identity card information, and the corresponding payment limit is only 1 000 yuan since the account was opened. This kind of account balance can be used for consumption and transfer, which is mainly suitable for customers to make small and temporary payments.

Class II and Class III account customers have higher real-name authentication intensity, and their identity information is verified through at least 3 and 5 external channels respectively. Among them, the payment limit for the balance of Class II account is 654.38+10,000 yuan per year.

The payment limit for the balance of the third-level account is 200,000 yuan per year.

Baidu Encyclopedia-Alipay