根据《重庆晚报》报道，想要继续使用支付宝和微信的支付服务的用户需在7月1日前进行实名认证，否则支付服务将无法使用。

Any non-banking online payment institutions have to build a real-name system among their users, according to a regulation issued by the central bank in December last year. The regulation will go into enforcement on July 1.

根据央行去年12月发布的一项规定，非银行在线支付机构需对客户实行实名制管理。该规定将于7月1日生效。

支付新规7月1日实施 支付宝微信加紧实名认证

If a user does not authenticate his/her real name on the platforms as required, he/she will neither be able to transfer, receive and save money, nor pay the bills through the platforms. There will be no exceptions for overseas users.

届时如果用户未按规定在支付平台上进行实名认证，将无法通过这些平台进行转账、收款、存钱和付款。海外用户也不会例外。

The popular online payment services Alipay and WeChat are guiding their users to authenticate themselves on their platforms.

目前，最受欢迎的在线支付服务商支付宝和微信正引导平台用户进行实名认证。

As for worries about whether the current money in the accounts would be frozen or disappear if they fail the real-name authentication after July 1, the Alipay has said that the money will still be there and users can use it after they finish the authentication.

至于如果没有在7月1日前进行实名认证，用户目前的资金是否会被冻结或消失的担忧，支付宝已经表示，金额会一直保持不动，直到完成实名认证之后，用户才可以使用。

The regulation also classifies users into three categories and manages them differently.

该规则还将用户分为三类，并以不同的方式管理用户。

Category 1 includes users handling small transfers and payments totaling no more than 1,000 yuan ($152.5) since the account opened; Category 2 includes those handle money transfers and payments totaling no more than 100,000 yuan a year; Category 3 includes those who handle money transfers and payments, as well as purchasing financial products, totaling no more than 200,000 yuan a year.

类别1是指自开设起，累计转账和消费未超过1000元的用户；类别2是指在一年时间内，累计转账和消费未超过10万元的用户；类别3是指在一年时间内，转账、消费及购买金融产品总金额未超过20万元的用户。

Alipay said that users need to provide different types of information to the real-name system to help them be classified into three categories. It includes filling in a personal information questionnaire, uploading a photo of their identity card, banding bank card, etc.

支付宝方面表示，用户需要向实名制机制提供不同类型的信息，以此来将他们分为三类。这些信息包括填写个人信息问卷、上传自己身份证照片、绑定银行卡等。

The regulation aims to prevent financial risks and safeguard users' payments, said an expert with the finance department of a commercial bank in Southwest China's Chongqing municipality.

中国西南重庆市一家商业银行的财务部门专家表示，这一新规则旨在防范金融风险，保障用户的支付。