Al Era, Alipay Breaks Out! AI Pay Active Users Exceed 100 Million: Payment Integrated into Conversation Flow, Marking the Beginning of a New Year for Conversational Shopping

Payment interaction methods are undergoing generational transformation. On February 24, 2026, Alipay announced a milestone breakthrough in its innovative payment product "AI Pay": the user count has officially exceeded 100 million, and the number of weekly payment transactions has surpassed 120 million.

This data marks the transition of "conversational shopping" from proof of concept to large-scale application.

Key Highlights: Payment Integrated into Conversational Flow, Shop as You Chat

According to information compiled by Qichacha, Alipay's AI payment ecosystem demonstrates the following three characteristics:

Seamless Interaction: By deeply integrating payment capabilities into AI conversational flows, users can complete transactions directly within conversations with an AI assistant without leaving the chat interface.

Explosive Growth: During the Spring Festival, "AI Pay" order volume saw a sharp increase, validating the high user acceptance of the "chat-and-buy" model in fragmented scenarios.

Dual-Mode Operation: In addition to the digital "AI Pay," Alipay's physical interaction method "Touch and Pay" has also exceeded 200 million users, together forming a comprehensive natural payment system covering both online and offline scenarios.

Strategic Vision: Payment Capabilities Expanding to Smart Terminals

Alipay Payment Technology Co., Ltd. stated that the boundaries of payment capabilities will further extend toward hardware. In the future, "AI Pay" will not be limited to smartphone screens:

Voice Assistant Integration: Payments can be authorized through voice commands, achieving true "speaking instead of typing."

Smart Glasses Compatibility: In augmented reality (AR) scenarios, payments will serve as the underlying infrastructure, supporting new business models.

Industry Insight: Scalable Validation of New Business Paths

The industry analysis shared by Qichacha suggests that Alipay's move is not just an upgrade of payment tools but also a reshaping of the commercial chain. When payment, service flow, and information flow are highly integrated under an AI framework, conversion rates will see a qualitative improvement. This indicates that "AI assistant + payment + lifestyle services" is becoming the standard configuration for the next generation of internet commerce.

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