If your Alipay transfer was returned, it could be due to one or more of the following reasons:
• If this is the first time your recipient is receiving an international transfer, their Alipay account may not have a designated linked bank account. If that is the case, Alipay will send a notification to the recipient asking them to choose a bank account. Your recipient will have 24 hours after your transfer submission to designate an account. If the recipient fails to complete this action within 24 hours, Alipay will cancel the request and the funds will be returned to your East West Bank account.

• Additionally, Alipay or the receiving bank may need to perform verifications that can take up to 72 hours. If they are unable to complete verification within 72 hours, Alipay will cancel the request and the funds will be returned to your East West Bank account.

• Other issues, such as monthly or annual foreign exchange limits, incorrect instructions, etc. may also cause an transfer to fail. If Alipay is unable to complete your transfer request for any reason, the request will be cancelled and the funds will be returned to your East West Bank account.

For questions related to returned Alipay transfers, please have your recipient contact Alipay customer service.