The payment is paid directly to the merchant, but before the receipt is confirmed, the money is frozen and the merchant has no right to use it. When the receipt is confirmed, the money is unfrozen and the merchant can use it freely; If there is a problem during the transaction, you apply for a refund. When the merchant agrees to the refund, you need to enter his payment password because the money is in his account.

If a dispute occurs and a forced refund is applied, according to the Ali agreement, Ali customer service has the right to force a refund to you directly.