> Yes and I make about $1500-$2000 in cash back a year using my various branded credit cards. How can you do that with Alipay? Which are essentially funded thr

> Yes and I make about $1500-$2000 in cash back a year using my various branded credit cards. How can you do that with Alipay? Which are essentially funded through merchant fees. CC's will gladly give you $2k in cash back for all of the fees that it charges merchants. If those fees didn't exist, your overall cost of goods would likely be ~3% cheaper. Looks like Alipay has disputes and fraud: https://intl.alipay.com/ihome/user/protect/memberProtect.htm https://intl.alipay.com/ihome/user/protect/memberProtect.htm