支付宝实名认证需要由身份证和银行卡信息双重验证。
已绑定快捷支付，手机上通过支付宝申请实名认证的流程
1手机登录支付宝，点击【我的】—账户信息栏
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2点击【账户详情】区域
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3点击【身份信息】
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4点击【开始验证】
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5系统会随机显示账户已绑定的快捷银行卡中支持认证的一张银行卡，点击【确认实名认证】，实名认证成功
注：4.28日起，招行、交行已支持快捷认证
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6实名认证成功
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已绑定快捷支付，手机上通过支付宝申请实名认证的流程
1手机登录支付宝，点击【我的】—账户信息栏
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2点击【账户详情】区域
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3点击【身份信息】
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4点击【开始验证】
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5系统会随机显示账户已绑定的快捷银行卡中支持认证的一张银行卡，点击【确认实名认证】，实名认证成功
注：4.28日起，招行、交行已支持快捷认证
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6实名认证成功
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温馨提示：内容为网友见解，仅供参考
第1个回答 2020-09-28
支付宝不绑卡可以用，但使用的前提是必须要进行实名认证。实名认证成功后方可在支付宝上进行消费、理财等活动。完成实名认证是使用支付宝的大前提，这是最为重要的。如果在未完成实名认证的情况下，支付宝的相应金额会被限额
第2个回答 2020-09-28
支付宝只要实名认证过，即使没有绑定银行卡，也可以使用，可以购物、可以接受别人的付款，或者转账给别的支付宝账户，只是不能提现。
第3个回答 2016-06-18
如果不想通过绑定银行卡方式认证，就需要上传身份证正反面以及本人手持身份证的半身照进行实名认证，两个方法选择其中一个。本回答被网友采纳
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