阿里巴巴在网上支付的领域又棋胜一筹，意识到大多数的中国人没有信用卡，马云推出了支付宝，它可以在到货之前将所付金额一直交由第三方保管的支付系统。
Alibaba has also outflanked the opposition in online payments. Aware that most Chinese do not have credit CARDS, Mr Ma introduced AliPay, a system that keeps cash in escrow until goods arrive.
然而，网上支付系统缺乏便捷性，而借记卡和信用卡支付则要收取2.5%的服务费。
However, the online system is not mobile friendly and credit and debit card payments are subject to a 2.5% convenience fee.
最高存储金额限制可以有效控制电子货币网上支付风险，但银行卡中的风险承担问题比较复杂。
Maximum stored value is an efficient way to control risks of Internet payment by electronic money, and electronic money involves many complicated private and public law issues.
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