How to set up a payment account on AliExpress, the specific steps are as follows:

1. Open the AliExpress website and log in to your account, and click the account center in the upper right corner.

2. After entering the account center, click "Fund Management" in the left menu bar.

3. On the fund management page, click "My Bank Card" or "My Alipay" and select the corresponding payment method according to your needs.

4. If you choose "My Bank Card", you need to bind your own bank card. Click the "Add New Bank Card" button, fill in the relevant information, and then after adding, the bank card will become your default account.

5. If you choose "My Alipay", you need to bind your own Alipay account. Click the "Add New Account" button, fill in the relevant information, and then enter the Alipay account and password on the binding page. After adding, the Alipay account will become your default account.

6. Set the default account, open the "My Bank Card" or "My Alipay" page, and set the required account as the default. Setting it as the default account can facilitate your operations in collecting loans, refunds, etc.

It should be noted that the bound bank card and Alipay account must be a valid account belonging to the person, and the real-name authentication information on AliExpress must be consistent with the real-name authentication information of the bank card or Alipay account. In addition, if you need to modify the bound bank card or Alipay account information, you can make the corresponding modification operations on the "My Bank Card" or "My Alipay" page.