It has nothing to do with Alipay or bank cards, but rather with funds and accounts. If there is a problem with the other party's account, there will be an issue regardless of the method you use for remittance. If there is a problem with the other party's funds, there will be an issue with receiving payment by any means.

Recently, the risk control has been too strict. A friend bought USDT, and their bank card was frozen.
I have been emphasizing recently that there should be less deposit and withdrawal at the end of the year! The qualifications of merchants must be strictly reviewed; do not find it troublesome. I generally use Alipay, withdrawing in small amounts gradually, hoping to help my friends!
As the year-end approaches, everyone is pushing for KPI, so everyone should be extra cautious!