Why buying verified Alipay accounts is unsafe and illegal

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Why buying verified Alipay accounts is 
unsafe and illegal 
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More information, please contact me 
 Email: usaviralwave@gmail.com 
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● Most platforms (including Alipay) bind verification to identity documents; transferring that 
verification is explicitly disallowed and carries account suspension and legal risk. 
 
● Bought accounts are frequently scams: sellers can keep control, drain funds or sell the 
same account to multiple buyers. Authorities and consumer-protection agencies warn 
against these scams. 
 
https://stripe.com/legal/alipay?utm_source=chatgpt.com
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1949738706649346049.html?utm_source=chatgpt.com
● Using another person’s verified account to accept payments or move funds can expose 
you to KYC/AML violations, fines, frozen funds, and criminal liability in multiple 
jurisdictions. 
 
Legal, secure alternatives for international 
buyers / businesses 
Below are legitimate paths depending on whether you want to use Alipay as a consumer (e.g., 
while traveling), or accept Alipay payments as a merchant. 
1) For individuals / travelers who want to use Alipay 
● Create an Alipay account and complete real-name verification using the Alipay app 
and your passport. Alipay supports foreign passport verification for many users; 
instructions and recent guides show how foreigners register and verify. This is the safest 
route to a verified wallet. 
 
● Link an international card (Visa/Mastercard/AmEx) to your Alipay account — Alipay 
has expanded support for linking global cards, making payments possible without 
needing a Chinese bank account. Recent partnerships (e.g., AmEx) and guides confirm 
this capability. 
 
2) For businesses that want to accept Alipay payments (cross-border) 
● Use Alipay Global / Alipay+ via official channels. Alipay+ lets merchants accept 
multiple e-wallets via a single integration and offers global merchant onboarding. 
Register as an international merchant using the official Alipay/Alipay+ merchant 
onboarding routes — this is the proper, compliant path. 
 
● Work with licensed payment service providers (PSPs) or acquiring partners that 
integrate Alipay (examples: global PSPs and local Chinese partners). These PSPs 
handle compliance, settlement and the technical integration so you don’t need a 
mainland China merchant account. (Search for Alipay+ partners or “Alipay global 
merchant partners”). 
 
● Set up a local/legal entity (if needed) in China or Hong Kong — some merchants 
choose a local company to accept RMB settlement directly. This is more complex but 
common for larger volumes. 
 
https://wise.com/en-cn/blog/register-alipay-in-china-as-foreigner?utm_source=chatgpt.com
https://www.reuters.com/business/finance/american-express-joins-alipay-digital-payment-system-china-2025-02-25/?utm_source=chatgpt.com
https://www.alipayplus.com/?utm_source=chatgpt.com
https://www.alipayplus.com/merchant/?utm_source=chatgpt.com
Practical step-by-step (legal) routes you 
can follow 
1. Decide your objective: use Alipay (personal) vs accept Alipay (business). 
 
2. Personal use: download Alipay app → sign up with international phone/email → follow 
passport real-name verification steps → link your international card. Guides from 
Wise/Trip and official docs explain the flow. 
3. Accepting payments: evaluate Alipay+ / Alipay Global merchant onboarding and 
contact Alipay or an authorized PSP to start merchant registration. Use official merchant 
documents and provide required business KYC. 
4. If you need a China-settled account: consult a reputable payments consultant or law 
firm to explore setting up a local entity or working with an acquiring partner. This keeps 
everything compliant. 
 
5. Keep records: KYC docs, contracts, payment agreements and invoices — these protect 
you if disputes arise. 
 
Due-diligence & security tips (if you work 
with third parties) 
● Never accept offers to “buy a verified account.” Treat them as high-risk scams. 
 
● If you must use a third-party service (for example, a PSP or an agent that helps with 
merchant onboarding), only use licensed, documented providers. Ask for verifiable 
credentials, contracts, corporate registration, proof of partnerships with Alipay/Alipay+, 
and clear SLAs. Prefer PSPs listed on Alipay+ / official partner pages. 
● Use escrow for any large upfront payments and get a written contract that defines 
responsibilities (KYC, settlement, chargebacks, liabilities). 
 
● Check terms: read Alipay/partner merchant terms to understand what behavior might 
trigger suspension. Platforms actively detect suspicious or unauthorized account 
transfers. 
 
https://www.adcc.gov.hk/en-hk/alerts-detail/alerts-1949738706649346049.html?utm_source=chatgpt.com
https://stripe.com/legal/alipay?utm_source=chatgpt.com
If your need is time-sensitive (e.g., 
accepting payments quickly) 
● Consider Alipay+ via a PSP — many PSPs offer fast onboarding and let you accept 
QR payments and cross-border wallets without a Chinese company. This is the 
legitimate “fast lane. 
Quick list of useful official / reputable 
starting points 
● Alipay / Alipay+ merchant pages (onboarding and partner info). 
 
● Guides for foreigners using Alipay (Wise, Trip.com, registration guides). These show 
current app verification and international card binding options. 
● News on card integrations and global partnerships (e.g., AmEx–Alipay announcement). 
Good for confirming new convenience options for international users. 
 
https://miniprogram.alipay.com/docs-alipayconnect/miniprogram_alipayconnect/platform/merchant-onboarding?utm_source=chatgpt.com
https://wise.com/us/blog/alipay-for-foreigners?utm_source=chatgpt.com
	Why buying verified Alipay accounts is unsafe and illegal 
	Legal, secure alternatives for international buyers / businesses 
	1) For individuals / travelers who want to use Alipay 
	2) For businesses that want to accept Alipay payments (cross-border) 
	Practical step-by-step (legal) routes you can follow 
	Due-diligence & security tips (if you work with third parties) 
	If your need is time-sensitive (e.g., accepting payments quickly) 
	Quick list of useful official / reputable starting points