Bind the credit card with Alipay or WeChat, then open Alipay or WeChat when paying the transaction, click "Sweep" to scan the QR code of the merchant, then select the bound credit card as the payment account and enter the transaction amount. Or the customer can click the option of receiving and paying, show the personal payment code, and let the cashier scan it with a scanning gun.

When a customer signs a merchant payment with the bank alone, he can also log in to the mobile banking client or credit card APP and click "scan code payment" to pay. In addition, credit cards can also be paid by APPLE PAY, HUAWEI PAY and MI PAY.