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How can WeChat merchants set up a QR code for collection without using a credit card?
After opening the WeChat message page, click the+in the upper right corner, and then select collect and pay in the pop-up box.

Then click transfer to bank card or mobile phone number in the opened page, and then click mobile phone number collection settings.

Then click Service Management in the page that opens.

Just turn off the button behind the credit card repayment.