How do I collect money from credit cards?

Personal WeChat cannot collect money from credit cards. Generally speaking, WeChat payment codes are divided into personal payment codes and commercial payment codes. Personal payment codes do not support collecting money from credit cards; commercial payment codes can generally collect money from credit cards, but the prerequisite is that the merchant has opened a credit card collection service. For merchants, credit card collection requires a certain handling fee.

There are several ways to use credit cards. For example, swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to the bank, etc. for payment, and enter the corresponding amount. After the remote payment accepts the information, the POS will print out a receipt for the card payment (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.

From the perspective of cardholders, online payment is considered to be the riskiest among several credit card payment methods, because malicious people may use phishing, eavesdropping on network information, and fake payments. Steal user information through other means. When paying online, you need to enter the credit card validity period, the Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 number next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, a verification code randomly generated by the web page, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also set off the trend of online consumption. Pre-authorization is generally used to pay a deposit, which means freezing a portion of the credit card's available limit as a deposit. The process of pre-authorization is similar to that of manual order pressing, but the content of the call requires pre-authorization of the corresponding amount. It does not require payment, and there is no need to press the order. You only need to issue a certificate of receipt of the deposit. Generally, pre-authorization will be canceled by the merchant during checkout. If the merchant forgets to cancel, you can call the merchant to request cancellation. You cannot cancel by calling the authorized agency. Or, wait for the bank to automatically cancel the pre-authorization (usually 7 to 30 days).

How to collect credit card money on WeChat

If you want to use WeChat payment code to collect credit card money, you only need to activate the WeChat payment commercial version. There are different ways to activate the WeChat payment commercial version for the two situations of having a merchant account or not.

1. How to become a WeChat payment merchant without a merchant account?

(1) Application entrance for small and micro merchants (without business license):

Open WeChat on your mobile phone, click Me - Payment in the lower right corner, select... in the upper right corner, and enter payment management Click on the WeChat payment business version after the page. This entrance is only open to some users. Those who have it can apply. If not, they need to provide a business license and apply for ordinary merchants.

(2) Ordinary merchant application entrance (with business license):

Use More in the menu bar at the bottom of the WeChat payment official account, select Become a merchant, and enter the page of becoming a WeChat payment merchant After that, click Activate Now to quickly apply to become a WeChat payment commercial version merchant.

The detailed steps are as follows:

1. Submit business entity information

Submit basic information such as business license, ID card, business license and so on online, and complete according to the guidelines Account verification.

2. Submit merchant business information

If the merchant’s main information is approved, the application progress message will be pushed to the applicant’s WeChat account through the official account/service notification. Please submit the merchant’s abbreviation online. Store photos, handling rates, settlement accounts and other business information are waiting for review by the platform.

3. Sign the agreement

The WeChat payment team will complete the review within 1-2 working days. If the review is passed, the signing message will be pushed to the applicant through the official account/service notification WeChat ID, after signing the contract online, you can open a payment merchant account and obtain transaction permissions.

In addition, after opening the payment merchant account, the merchant can also apply for the WeChat official payment code simultaneously. The detailed steps are as follows:

1. After clicking on the message of successful signing, click to activate

2. After the application is completed and the material package is received, the merchant can paste the WeChat merchant payment code Assist yourself in collecting payments where appropriate within the store.

2. How can an existing merchant account activate the WeChat payment commercial version function?

① Please log in to the merchant platform (pay.weixin.qq.com) on the computer, click and enter the product center, find and click on the WeChat payment commercial version under the product list, enter the page and select Apply Activation, apply to activate the WeChat payment commercial version function.

You can then open the WeChat payment commercial version applet on your mobile phone to add stores and clerks, obtain payment QR codes, view payment records and other functions.

Take iPhone12 model mobile phone, iOS14.6 system version, and 8.0.6 WeChat version as examples. The operations of different mobile phone models and versions are common.

How to collect payment with credit card on Alipay?

The steps to activate the credit card collection function on Alipay:

1. First, you must activate the Alipay merchant payment code;

2. Open Alipay and click to collect money. , you will see our personal payment code, and below the personal payment code there is a merchant to collect money;

3. Apply for the payment code;

4. After receiving the letter , open Alipay, scan in the upper left corner to activate the merchant payment code;

5. After activation, in the merchant center, click to activate Huabei, credit card collection;

6. Go in It will come later and he will ask us to upload the business license and front door photo;

7. After passing the final review, we can use Alipay Huabei and credit card to collect payment.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.2.50

Extended information:

1. How to apply for a credit card collection code:

1. Find the "Merchant Services" option in the Alipay My interface and click to open;

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2. Find the "Huabei Collect Money" option in the merchant service interface and click to open;

3. Find the "Open Credit Card to Collect Money" option at the bottom of the Huabei Money Collection interface. Click to enter;

4. Fill in the relevant information in the credit card payment interface. After completing the filling, click "Agree Agreement and Submit" below to complete the activation.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.2.50

2. How to add a bank card to Alipay:

1. First open Alipay and click My;

2. Click the bank card and click Add Now;

3. Enter the bank that needs to be bound and it will be added successfully.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.2.50

3. How to unbind the bank card bound to Alipay:

1. First open Alipay;

2. Click on My in the lower right corner;

3. Click on the bank card;

4. Find the bank card you want to unbind and enter;

5. Click on card management;

6. Click on Unbind Just bind.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 10.2.50

IV. The relevant regulations on Alipay transfer limits are:

1. There are several methods of Alipay transfer payment, and the limits are different for different methods:

Use Alipay balance to transfer, the limit is It is 50,000 yuan for a single transaction, 200,000 yuan for a single day, and 200,000 yuan for a single month;

2. Use Yu'e Bao to transfer money, no limit;

3. Use a savings card quickly For payment transfers, different banks have different limit regulations. For example, Bank of China: 10,000 for a single transaction, 10,000 for a single day, and no limit for a single month; Agricultural Bank of China: 10,000 for a single transaction, 10,000 for a single day, and 300,000 for a single month; China Construction Bank: 10,000 for a single transaction, 10,000 for a single day, and 300,000 for a single month; 10,000 per transaction, 50,000 per day, and 100,000 per month.

4. When transferring funds using a debit card, the limit is the payment limit of each bank's card.

It should be noted that the amount of transfer to the bank card for each Alipay account operation (including service fee): 50,000 yuan for a single transaction and 200,000 yuan for a single day. If any payment method conflicts with this limit, the one with the lower limit shall prevail.

Can Alipay accept credit card money?

Alipay can accept credit card money. The activation process is as follows:

Operating environment:

Brand model: iQOOneo5

System version: OriginOS?1.0

App version: v10.2.53

1. Open the Alipay app on your mobile phone and enter in the search box on the homepage Merchant Services;

2. Enter Merchant Services, click Huabei to collect money;

3. Enter Huabei to collect money, merchants that have already activated Huabei to collect money, click Activate below To collect money with a credit card, just upload the business license and store headshot as required;

4. Enter Huabei to collect money, and the interface displays the application for "Huabei to collect money", you need to activate Huabei to collect money first. You can only apply for a credit card to collect money after Huabei Collect Money is activated; after submission, the review will generally be completed within 3 working days. After passing, consumers can use credit cards to pay.

1. Whether you can use credit card to pay by scanning Alipay code depends on the following aspects:

1. Use Alipay scan code to transfer money, and you cannot pay with credit card when sending red envelopes, because The China Banking Regulatory Commission stipulates that credit card transfers and red envelopes are not allowed. This is to prevent credit card cashouts.

2. Use Alipay offline to scan the QR code to pay. If the merchant has activated the Huabei payment and credit card functions, you can scan the QR code to pay with the collection sticker on Alipay. In this case, you can use the credit card directly. To pay, you can also pay by credit card by showing the merchant the credit card payment code and letting the merchant scan the code with a QR code scanner.

3. If you use Alipay to scan the code to pay offline, you scan the merchant's personal payment code, and the merchant does not open a credit card for payment, so you cannot pay through the credit card. In short, whether you can pay with a credit card when using Alipay to scan QR codes, at least two conditions need to be met. One is the real transaction generated, and the other is that the merchant supports credit cards.

2. If you can pay with a credit card by scanning the Alipay QR code, how many credit cards can be bound to an Alipay account?

Alipay stipulates that one Alipay account can sign up to 18 bank cards (including credit cards). However, each bank can only sign one credit card and one debit card each in the same Alipay account. In other words, we have several bank cards in one bank, and we can only bind at most 1 credit card and debit card to Alipay. It should be noted that because Alipay requires real-name authentication when binding a credit card, it can only bind the bank card under the user’s own name. If you use someone else’s information for Alipay real-name authentication, you can only bind someone else’s. bank card.

How to collect credit card money with Alipay payment code?

The method of collecting credit card money with Alipay payment code is as follows:

1. Apply for payment code, if To activate the Huabei and credit card payment functions of the payment code, you need to apply for the payment code first.

Open the Alipay APP, click My, and select Merchant Services. Find the material mall and select the payment code. Then fill in the harvest name, mobile phone number, and address as required, agree and apply, and then you can apply for a paper payment code.

2. To apply for Huabei to collect money, click on Huabei to collect money on the merchant service homepage to activate the service immediately.

3. Open a credit card to collect money. After activating Huabei to collect money, there will be a credit card to collect money on the homepage. Choose to activate it immediately. Here you need to upload business license, store front photo and other information, then click to agree to the agreement and submit.

This ends the introduction on how to collect credit card money and how to collect money in credit cards. Have you found the information you need?