"using" only in the sense that your website visitors use Google Analytics.

No, you actually have to get an AliPay account if my memory serves me correctly. It's been a few years since i created the account.

But it's still processed via the visa/mastercard network. It's "alipay" in the same sense that the recent magnetic accessories for the iPhone 12 is "magsafe". Totally different things, same branding.

Closer analogy would be Paypal I think.