24 hours later. Alipay, which arrives within 24 hours after verification, is an agreed deduction product developed based on Alipay platform. This product takes the user's sesame credit as a reference, and realizes the consumption mode of product agreed deduction for users with qualified credit. Merchants can judge the credit rating of customers through the system and authorize the deduction amount independently according to the agreement; After the authorization is successful, members actually pay by daily payment, weekly payment, monthly payment and quarterly payment, which reduces the consumption threshold and pressure of customers and improves the transaction conversion rate of merchants.