after the white flash payment card is successfully added to wechat, it can be used by merchants who support wechat payment (virtual goods and recharge transactions are not supported).

the white flash payment card only supports consumption, and does not support transfer, red envelopes, payment to individuals, etc. It should be noted that there is still a daily limit of 1, yuan and an annual limit of 2, yuan for payment after being bound to WeChat.

In addition, different users have different payment limits, as follows:

1. First, open WeChat and click "I" in the lower right corner to enter my interface.

2. Then, in my interface, click Pay to enter the payment interface.

3. in the payment interface, click the wallet to enter the wallet interface and click the bank card.

4. in the bank card interface, click add bank card.

5. Enter the verification code to verify your identity.

6. Enter the debit card number, and click Next to enter the verification according to the prompt, so you can add a debit card like an ordinary bank card.

7. The next time you pay, you will use a white flash payment card if you choose the Shanghai Bank Savings Card.

"JD.COM White Strip" is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary staging", and quickly becomes an industry model, laying the position of Jingdong Finance as a leading brand in the consumer finance industry.

In terms of positioning, "JD.COM White Strip" is a credit payment service for users with high credit rating and consumer demand through credit evaluation with big data. Users can enjoy the service of using first and paying later and shopping by installments in JD.COM Mall, up to 24 installments at the longest, and the bills can also be repaid by installments and at the lowest repayment rate, and the execution interest rate is lower than that of bank credit cards. Jingdong Financial Consumer Finance has opened more than 1 million users.

Since then, "White Strip" has also opened up O2O (JD.COM Arrives Home), global shopping and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.

JD.COM Baitiao's service scene has been gradually extended, with nearly 1 million merchants online and offline, covering life and entertainment, business travel, education and training, communication and leasing industries. Cooperate with the bank to co-sign the electronic account "white-note flash payment", expand the white-note payment to offline through NFC technology, and further broaden the use scenarios of white-note payment by binding WeChat payment.

As the first Internet consumer financial product in the industry, at first, the "White Bar" was only provided for users to shop in JD.COM Mall, but actually relied on JD.COM Mall to provide users with credit purchase services. In April, 215, "White Strip" opened up O2O (JD.COM Arrives Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration and education, extending from credit purchase service to providing credit loans, covering more consumption scenarios and providing services for more consumers.

In March p>216, JD Finance launched the first cash lending product, JD.COM Gold Bar, which is a customized cash lending service for IOUs with good credit. It is an extension of IOUs credit in the cash consumption scenario.

JD.COM Gold Bar adopts differentiated credit granting and interest rate pricing, and provides cash lending service with a maximum credit line of 2, yuan and the longest installment of 12 months, with daily interest, with the daily interest rate not exceeding .5%.

in August p>216, the white stripes were merged into jingdong wallet. As an important channel entrance of Jingdong Wallet, Baitiao has moved from online to more mobile scenes, such as sogo, Yansha Mall and Jingkelong Supermarket in Beijing.

In addition, Baitiao also cooperated with China CITIC Bank and China Everbright Bank to launch a joint credit card, also known as "Little White Card". This is a "internet plus" credit card, which is sought after by young people born in 199s. It is also the first credit card for many young people. This card further embodies the role of IOUs as credit connectors between the Internet and banks, online and offline, and enjoys the combined rights and interests of banks and the Internet.