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it home reported on september 11 that the case in which yang, a graduate student at east china university of political science and law, sued tencent for the wechat withdrawal fee has been heard. yang said that the reason for suing tencent was that his friend withdrew 50,000 yuan through wechat in the first half of this year and was charged a fee of nearly 50 yuan, which he believed was unreasonable. after data collection and preliminary estimates, yang believed that the wechat withdrawal fee was too high, so he decided to file a lawsuit.

according to sina technology, professor xu xiang of the school of economics at the central university of finance and economics said:most financial services involve a fee for cash withdrawals, which may be passed on or withheld in other forms.. when funds enter third-party payment institutions such as wechat pay and alipay, these institutions need to pay the bank a corresponding channel service fee, with a comprehensive fee rate of more than 0.1%. third-party payment institutions provide free withdrawal services in the early stage, partly because of the small number of users and low costs, and partly as a business strategy to expand the user base. however, this free service is unsustainable, and the cost will only be higher in the long run. under the current development of third-party payment, it is more important to provide users with better, more convenient and higher-quality services at a small fee. "

it home noticed that on february 16, 2016, the wechat pay team responded to the issue of "free transfers on wechat and changes in withdrawal fees". wechat said that for every transaction based on wechat pay, as long as the money is deducted from the bank card, in fact, no matter how big or small the amount is, the bank will charge wechat pay a transaction fee. these costs have always been borne by wechat pay. as the number of wechat pay users and transaction volume gradually increases, the cost pressure is also increasing. this strategy adjustment is also expected to subsidize part of the huge costs. starting from march 1, 2016, each user (id card dimension) has a lifetime cumulative free withdrawal limit of 1,000 yuan. the part exceeding 1,000 yuan will be charged a fee according to the bank's fee rate. the current fee rate is 0.1%, and the minimum fee for each transaction is 0.1 yuan.

also in 2016, alipay officially released the "announcement on the adjustment of some alipay service rules" on september 12, 2016. starting from october 12, 2016, alipay will charge a certain percentage of service fee for individual users' withdrawals exceeding the free limit. each individual user is entitled to a basic free withdrawal limit of 20,000 yuan. after exceeding the limit, a service fee of 0.1% of the withdrawal amount will be charged.