Mobile Payment 

-When customers use the withdrawing deposit function of WeChat Pay, 0.1% of deposit will be charged as service fee.

-When customers use the transferring money function of WeChat Pay, only 200 RMB can be transferred in one payment.
 

-The contents on trading record page are too brief, so it is not convenient for customers to check their payment situation if they have some problems in the trading process. 
 

-Since Alipay is not a networking app, the number of users is relatively small, and thus it is hard for business owners to build relationship with customers through Alipay.
 

-The English language version of Alipay wallet is not fully translated, so Alipay is not suitable for company whose customers are mainly English users. 
 

-Some Chines users' feedback is that the scanning process of Alipay is not fluent.

-Apple Pay is available in iPhone 6 and above and iPad 2 or higher versions.
 

-Users can use it at various stores or buy apps from the app store but the platform doesn’t support online shopping.
 

-The cost of upgrading the system is also high. Also, some observers wonder if credit card companies will stop sharing the fees with Apple, which could result in higher fees for retailers, which could hurt adoption.