产品型号：iPhone13
系统版本：iOS15.5
软件版本：拼多多6.20.0
拼多多最晚付款时间为15天。这15天并不是从用户收到货后开始计算，而是从商家发货后开始计算。一旦有物流信息，用户需要在15天内完成付款。如果用户不主动付款，平台确认收到货后，微信会直接从用户绑定的银行卡中扣除相应费用。
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