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Why can I pay by credit card in some places and not in others?
Some merchants can't use WeChat sub-payment because they don't have WeChat merchant version, so they can't pay successfully when using sub-payment.

What is it that can't be opened ... it's better not to have an entrance.

Sometimes you can use a credit card for your merchant payment code, and sometimes you can't. It may be that some banks do not support credit card payment or network delay.