Chapter 738 Something Is Wrong with People

When Zhao Di described something, he acted very calmly and spoke very slowly, which was completely different from his usual attitude when assigning tasks to his subordinates in the technical department.

"The deposit is collected instantly. Once the payment is made by the bank, the deposit will arrive immediately. However, it is not our account, but Alipay. And the return of the deposit, for the user, is also done through Alipay. For refunds, Alipay also needs to pay immediately. Therefore, when Alipay delays payment to us, there is a possibility that after three days, the funds of those users still cannot arrive, because these users have already Refund of deposit.”

Shi Lei digested Zhao Di's words and quickly understood the situation.

The user's deposit, payment or refund is actually just a direct transaction with Alipay, and they do not actually pay Qixuan.

For users within three days, if they choose to have their deposit refunded, the money will be refunded by Alipay before it reaches Qixuan's account within seventy-two hours. Then the money will naturally never reach Qixuan's account.

Zhao Di was still talking unhurriedly: "Especially in an industry like ours where deposits are frequently paid and returned frequently, when Alipay makes full use of these seventy-two hours, it is difficult for us to ask them to put those The user's deposit is transferred to our account. In principle, we use the deposit that has been deposited in the account for more than 72 hours as a disposable deposit, but now, these 72 hours, are handled by Alipay We have consumed it. This is the conclusion that our technical department can draw. The specific details need to be determined after communicating with Alipay."

Shi Lei frowned and asked, "How did Alipay pay these deposits before?"

"Basically, it rarely takes more than 24 hours. In fact, more than 80% of the deposits are entered into our account on the same day."

"So, can we say that this is because our deposit amount is too large, which led Alipay to use our funds? Did they use our money?"

"Theoretically, there is indeed such a possibility, or based on the current situation, this is the case. However, first of all, Alipay does have such power. Secondly, both Mr. Yao and I feel that this possibility is actually not high. Alipay The accumulated funds accumulated in three days are at least 20 to 30 billion, and they should not pay attention to our tens of millions."

Shi Lei's brows furrowed even more tightly. He was a little anxious just now. After all, for Qixuan, whose current valuation is less than one billion and the actual controllable funds are only tens of millions, the huge amount on Alipay's books is Tens of millions are enough to match Qixuan’s Series A financing. With this money, Qixuan can open up markets in at least three cities.

Now that I think about it, my thoughts are really naive. As the dominant payment method in China, Alipay deposits more money every day than the market value of most companies. How could they get involved in Qixuan's mere tens of millions? ? To put it bluntly, the monthly interest on people’s accumulated funds is more than this amount.

I don't feel embarrassed. After all, I am still young and I can be forgiven for not considering things carefully enough.

Shi Lei smiled at Zhao Di and said: "It seems that I am a little anxious. What you said makes sense. There is indeed no need for Alipay to do this. Maybe their business methods have been adjusted, then we need to discuss it with the other party. In the new negotiations, we will try to shorten the 72 hours."

But after Zhao Di also smiled, he once again raised objections to Shi Lei's words.

"That's not to say that. The T+2 model is already a pretty good deal given to us by Alipay. If it wasn't for the drug manager to find a relationship, it would usually be a T+3 payment method, which means that funds will be allowed. The longest stay on Alipay's account is no more than ninety-six hours. What's more, some start-up companies, which are relatively small, can only get the T+7 model, which is almost impossible to get from Alipay. Any accumulated funds are gone.”

Shi Lei scratched his head, not knowing what to say.

Zhao Di added: "Of course, this T+2 is just something in the contract. In fact, a week ago, Alipay had never really delayed payment until 48 hours later. And what happened this week can only be It is said that there is a problem in a certain link. The possibility of internal adjustment of Alipay is not high. There is no need for them to make adjustments only for us and Chongbai. I have asked some other companies and their capital transactions are still the same as before. .”

"What do you mean...?" Shi Lei asked in a low voice.

"I'm not interested. I'm just a technical person. All my considerations are from a technical perspective. In terms of operations and strategies, you should discuss it with the president. All I can do is provide technical support. There are more possibilities. At present, since Alipay has not responded clearly, I can only do so much in terms of technology. According to the current technical survey, we and Chongbai are probably the only two companies that have encountered the same situation."

This was the final answer given by Zhao Di. Shi Lei nodded and said, "Okay, Manager Zhao, go ahead and do your work first."

"Okay, Mr. Shi, please come to me anytime if you need anything." Zhao Di also stood up and said goodbye.

Shi Lei called Yao Er's cell phone again, and Yao Er asked, "Has Zhao Di told you everything about the situation?"

"Well, I was timid in front of him just now..."

Yao Er laughed and said, "Sir, do you think Alipay intercepted our deposited funds and turned them into their deposited funds?"

Shi Lei looked a little embarrassed and smiled.

"At present, the other party is consciously delaying the response time, so sir's suspicion is established. Basically, we can only make this judgment."

"However, with the scale of Alipay, ours is only tens of millions... Even if we include Chongbai, it will not exceed 100 million."

"It should be less than 20 million to pay homage there."

"That's right, with such a small amount of funds, what's the point of Alipay?"

"Boss Ma is definitely not in trouble, but it's hard to say about the people below. Sir, Zhao Di told you, right? I was able to get T+2 because I found someone. To be precise, it was my brother who helped me The person I’m looking for is Ali’s financial director. He doesn’t directly interfere with Alipay’s operations, but Alipay must give him face.”

Shi Lei knew that Yao Er must have something to say, so he asked tentatively: "This person won't pay attention to you now?"

"That's not the case. He was still very polite and promised to help find out. But it's been more than three hours since I found him and there has been no response. Logically speaking, this kind of thing should be cleared up in half an hour."

"You mean, it's basically certain that the person in charge of our project at Alipay has a problem?"

Yao Er snorted and said: "That's basically it. I contacted their department yesterday, and it has been more than twenty-four hours now. Logically speaking, he should have called me back no matter what, even if it was to shirk the responsibility. Cope with it. But he didn't, so from a human perspective, basically there is something wrong with him. I am now conducting a human flesh investigation on him to see if any of his social connections can be linked to us. of."

"I haven't offended too many people, right? It's impossible for Cao Chong, it can only be Mr. Qian?!" Shi Lei said firmly.

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