产品型号：iPhone 12
系统版本：iOS 14.2.0
软件版本：支付宝10.2.10
这是因为花呗只支持消费功能，不支持支付宝个人账户之间的转账交易。如果对方开通了支付宝商户二维码就可以，是店铺使用的二维码，可以支持花呗。只有说话的人才能扫描对方的二维码。
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