1. Because scan code payment belongs to online payment, the credit card bound by Alipay must have the function of online payment;
2. Because the personal QR code does not support credit card payment, the scanned QR code cannot be a personal QR code, but a merchant's QR code. The above two conditions are indispensable. If one of them is not satisfied, you can't use Alipay to bind the credit card to scan the code, which is also to prevent individuals from cashing in each other.
In addition, the merchant who scans the code must also open the credit card payment function, because then you can scan the code with the credit card bound by Alipay and complete the transaction without charging the handling fee, otherwise a certain percentage of handling fee will be required when paying.
Operating environment: Alipay V 122.3.6 Mobile phone model MIUI 1 1ultra.
First, after the credit card is bound to Alipay, you can scan the QR code of the merchant for payment. Customers only need to open Alipay APP when paying for the transaction, click "Sweep" on the homepage to scan the QR code of the merchant; Then enter the transaction amount and click "Confirm Payment"; Then select the bound credit card as the payment method in the "Confirm Payment" window, and then enter the transaction password to complete the transaction. So you can use the credit card limit to spend. Of course, customers can also click "Payment/Collection" on the homepage of Alipay APP, and then click the column of priority payment method under the payment code to select the bound credit card as the priority payment method; Then show the payment code and let the merchant pay by scanning the code with a scanning gun. Not only Alipay, but also credit card binding WeChat can scan merchant code to pay transactions. However, we also need to pay attention to the fact that the available amount of the credit card must be higher than the transaction amount, and the card status is normal, and the system monitors the transaction without risk, so that the customer can successfully trade.
Second, WeChat QR code payment and Alipay payment are relatively mainstream and early. Now many banks and payment companies are also promoting their own QR code payment. This is a trend, and it will have a better development in the future; After binding the third-party payment platform or the bank's own APP, as long as the merchant and the third-party platform sign a credit card payment agreement, they can scan the code to pay. For example, after the credit card is bound to Alipay, WeChat, UnionPay wallet, etc. , scan the payment QR code of the merchant, or let the merchant scan the payment QR code of Alipay or WeChat or UnionPay wallet. As long as the merchant signs the credit card payment agreement, the credit card scan code payment can be completed. In addition, most banks' own mobile apps can also pay by scanning code, but fewer merchants sign contracts with banks to pay by scanning code credit cards than with Alipay, WeChat and UnionPay wallets. Pre-authorization is generally used to pay a deposit, that is, to freeze the available amount of a part of a credit card as a deposit. The process of pre-authorization is similar to manual bill pressing, but the content of the phone call is to ask for the pre-authorization of the corresponding amount, not to ask for money or to press the bill, but to issue a deposit receipt certificate. General pre-authorization will be cancelled by the merchant at the time of checkout. If the merchant forgets to cancel, he can call the merchant to ask for cancellation, but he can't call the authorized institution to cancel himself. Or, wait for the bank to automatically cancel the pre-authorization (usually ranging from 7 to 30 days).