Not verified cannot withdraw. Just use it for your next purchase on Taobao. You will be saving on the service charge.

You can only use alipay in China. Cross-border payment (meaning you use alipay in Malaysia) is only for those with mainlaind ID. In other words, you can only test it out when you are in China. I've used alipay in China for years, not much of a problem, except that there are still some merchants who will only accept wechatpay.

If you set currency to CNY, then you can pay using alipay. Same goes to Taobao, if you set currency to CNY, you can pay using alipay.

This is needed if merchant scans your code instead.