How to pay individuals by credit card

1. Pay by credit card: that is, pay by credit card itself, including card insertion and flash payment;

2. code scanning payment: use this credit card to pay through the third-party platform or UnionPay code scanning, as well as the QR code used by the bank and other payment institutions;

3. card-free payment: it refers to binding a credit card with a smart device with NFC function, and then using various pays, bringing the mobile phone close to the flash payment POS machine for payment.

operating environment: apple 12, iOS14, wechat version 8..14

1. reasons why credit card scan code cannot be paid

1. credit card available amount is lower than the transaction amount. In this regard, the customer can pay off the previous bill first, and it will naturally be used after the quota is restored; Or you can apply for a temporary quota;

2. The credit card status is different, such as being frozen or expired by the issuing bank. In this regard, customers can only change a payment method. For example, if the card is frozen, then find out the reason and solve the problem. For example, due to overdue freezing, customers need to quickly pay off overdue debts and then repair damaged credit;

3. Consumption has reached the prescribed limit. If it is a one-day consumption limit, it will usually return to normal the next day;

4. Consumers are blacklisted by banks, or industries are prohibited by banks, such as wholesale, real estate, wealth management and finance. Customers can't use credit cards for consumption in such industries and businesses.

second, can the credit card be scanned for personal payment

1. Credit cards cannot be scanned for personal payment unless they are individual industrial and commercial households. Credit card can only be paid with credit if the merchant who supports credit card online or scans the QR code of the merchant offline.

2. Personal payment by credit card is actually a transfer between two accounts, but credit card cannot be used for transfer, so personal payment is not supported. If you want to transfer the credit card money to someone else, you need to withdraw the credit card money and transfer it to the other party's account, but this method not only charges a handling fee, but also pays interest.

can I pay by credit card?

No.

credit cards cannot be paid to individuals. At present, the personal money collection codes of major payment apps in China do not support the opening of credit card money collection services, so it is impossible to pay individuals with bound credit cards. Credit card can only be paid with credit if the merchant who supports credit card online or scans the QR code of the merchant offline. If a credit card is to be paid to an individual, it is generally necessary for the payee to have a POS machine. If an individual has a POS machine, he can pay by swiping his card on the POS machine.

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

in February p>212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 14% in the next 1 years, and the profitability will also tend to improve. It is estimated that the cumulative number of credit cards issued in China will exceed 8 million by 22.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

how to scan the code of a credit card to pay others

There are two ways to pay by scanning the code of a credit card, one is to pay by scanning the code manually, and the other is to scan the code of a merchant.

1. Manual code scanning: Take Alipay as an example, open the Alipay mobile APP- scan it, aim at the QR code to be scanned, and after the code scanning is successful, you will jump to the payment page, enter the payment amount on the payment page, select the payment method as credit card, and enter the Alipay transaction password, and the payment will be successful.

2. merchant code scanning: open AliPay APP, click Pay-Pay the merchant in the main interface, select a credit card as the payment method, and then show the merchant the QR code of the credit card payment page. The merchant takes out the code scanning gun and scans the QR code, which can also make the payment successful.

how to pay for individuals by credit card wechat

now both wechat and AliPay can bind credit cards for consumption, but according to the regulation that credit cards can only be used for consumption, wechat will limit the transfer or payment to individuals. So how can I pay an individual with a credit card? Xiaobian has compiled two methods for everyone, let's take a look.

how to pay for personal credit card wechat?

1. Cash it into the savings card:

When we only have the credit card limit and need to transfer it to others, we can apply first and transfer the funds into the savings, so that we can directly transfer the money, and there is no transaction risk. However, there is a handling fee, and interest will be calculated on a daily basis from the day when the funds are used, so the borrowing cost will be higher.

2 The other party uses the merchant receipt code:

If the other party has opened the merchant receipt code and opened the credit card payment authority, then we can transfer money to the other party through the merchant receipt code. However, it should be noted that this situation belongs to credit card cashing, which is illegal and illegal, so try not to do so. Otherwise, being detected by the system is likely to cause the credit card to be frozen, and even affect the card limit and personal credit information. And not all bank credit cards support WeChat payment. Generally speaking, we want to transfer money by credit card. The normal process should be to withdraw the credit card first, and then complete the transfer by savings card.

specific process:

1. first, you must bind the credit card with wechat before you can use it. (wechat-me-wallet-bank card-add binding)

2. We use the wechat payment function to bind the credit card instead of the wechat subscription number to bind the credit card to open the wechat bank. Their functions are quite different, so we must pay attention to this.

3. Send WeChat red envelopes and transfer money to friends in the address book, and you can't pay by credit card;

4. Merchants who support WeChat payment offline can make credit card WeChat payment by purchasing products or services; 5. Shopping malls and apps that cooperate with WeChat online can also be paid by credit card WeChat when purchasing goods in the shopping mall. That is, whether the merchant supports credit card payment.

let's stop here for the introduction of how to pay individuals by credit card.