Alipay or 支付 宝 (Zhi Fu Bao) in Chinese name ,is the chinese leading E-wallet as an Online Banking linked by an banking account , credit card, debit card. Alipay instantly process various financial transactions via mobile,such as mobile Top-up, withdrawing money, transferring deposits, booking movie tickets, plane tickets,buying insurance,loan service or 花 呗 (huabei) is that if we do not have money, we still able to do payment because Alipay will lend us money and request repay by 40 days.In 2004,Alipay was set up by an affiliate of Alibaba with facilitating payment for various Chinese online shopping websites. Users can use Alipay to buy products on the website, such as Taobao, Tmall. User will fund in money with the China banking account. Foreigners can apply Alipay in China by preparing a credit card, debit, passport. Then,the Alipay application can ready to use.