10亿支付宝用户不理解！为什么支付宝打算收手续费？原因很现实
随着移动支付的发展和普及，支付宝的全球用户已经达到了10亿。作为支付宝的创始人，马云可以说改变了无数人的生活。创立的阿里巴巴和淘宝网改变了人们购物的习惯，而支付宝也从此前单一的支付软件发展成一款支付、理财、借贷、生活消费于一体的综合性应用软件。在大多数人眼中，支付宝的作用已经不单单是一个软件，更有甚者会将自己的大部分钱款存进支付宝中。而一些大学生和上班族，也会经常使用支付宝上的花呗和借呗，以此来进行适当的透支消费。
然而做国内还有一款支付软件，那就是微信支付。微信支付是从腾讯的社交软件微信上拓展而来，这也足以证明支付领域在目前市场上的重要性。然而此前微信却宣布开始收手续费，使得越来越多的用户开始转战支付宝。但是今天支付宝官方也发布了一则消息，就是从今年的3月26日开始，个人用户在使用支付宝的信用卡还款时，将开始收取相应的费用。具体收取的规则如下：每个月前2000元是免息的，之后的超出额度将按照0.1%的费用来收取。
比如，如果你这个月需要还款5000元，那么需要支付宝的服务费就是（5000-2000）x0.1%=3元。虽说收取的费用不是很大，但是网友们却对此议论纷纷。在很多人看来，支付宝这是要慢慢效仿微信支付的做法。目前全球范围内这么多人使用支付宝，如果实行这个规则，那么一个月支付宝就可以从用户手中收取到巨额的资金。对于阿里来说，这又是一笔不小的投资费用，通过这笔钱还可以进行一些商业投资。
目前支付软件每天都要在商家、用户以及银行之间进行资金的周转，而银行也会单方面的向这些软件收取费用。此前腾讯的创始人马化腾也曾表示到，微信支付每天要给银行交付大量的手续费，所以就算是他们再有钱，也没理由长期给用户买单。而支付宝同样面临着这样的问题，目前支付宝的用户体系越来越大，涉及到的领域和产业也越来越多，而移动支付免不了跟银行打交道，所以支付宝适当性的收取一些费用还是无可厚非的。
在笔者看来，马云和马化腾虽说通过互联网改变了人们的生活，但是大家也不要忘记，他们从根本上讲也属于商人。目前市面上的很多软件都或多或少的收取用户费用，而支付宝和微信作为国内体系最大的软件，却免费开放给老百姓使用，这也算是中国互联网界的福音。此外对于支付宝的这个规定，想必目前中国的大多数人还是不受任何影响的，尤其是在一些二三线城市，很多人的月消费基本在2000元以下。
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