在线申请商户收款码的步骤

Online application steps for Merchant Payment Code

Title: The Steps to Apply for a Merchant Payment Code Online

Introduction:

With the rapid development of mobile payment and the prevalence of smartphones, consumer behavior has undergone significant changes. Everywhere we look, we can see the use of QR codes, especially in the context of merchant payments. So, what are the common platforms for merchant payment codes? How can one apply for a merchant payment code? And what documents are required? In this article, Guangliyun will provide you with a simple introduction.

Section 1: Common Platforms for Merchant Payment Codes

We have identified three common platforms for merchant payment codes:

1. WeChat Official Account or Merchant Payment Code:

This platform only supports a single payment method and does not accept other payment methods such as Alipay or Huabei. To apply for this platform, merchants need a business license. The fee rate is generally around 0.6%. By choosing the right service provider, merchants can even apply for the lowest fee rate.

2. Alipay Merchant Payment Code:

The application process for Alipay is straightforward. You can simply search for "Merchant Payment Code" within the Alipay app to apply. However, if you apply directly, the fee rate is usually around 0.55%. By working with an agent, you may be able to obtain a lower fee rate.

3. Guangliyun Aggregated Payment Code:

Our platform supports both WeChat Pay and Alipay, providing various marketing functions and accepting other payment methods such as credit cards and Huabei.

Section 2: Fee Rates for Merchant Payment Codes

The fee rates on the market generally range from 0.25% to 0.38%. The actual fee rate will depend on the platform you choose. While different channels may have different fee rates, the basic functionalities remain largely the same.

Section 3: How to Apply for a Merchant Payment Code and Required Documents

To apply for a merchant payment code, the required documents vary based on the type of merchant:

1. Micro Merchants:

For micro merchants without a business license but with a physical business location, you will need to prepare your ID card, settlement bank card, and photos of your business location in advance.

2. Individual Businesses:

For this type of merchant, the process is relatively straightforward. You only need to provide your ID card, settlement bank card, business license, and photos of your store.

3. Enterprises:

Similar to individual businesses, enterprises also need to provide the legal representative's ID card, bank card, photos of their storefront, business license, and corporate account. It is also possible to deposit funds into personal accounts.

Section 4: How to Apply for a Merchant Payment Code

Currently, there are various platforms available for applying for a merchant payment code, including bank branches, aggregated payment institutions, and third-party payment institutions. In other words, you can apply for a merchant payment code through bank branches, aggregated payment institutions, or third-party payment institutions. To apply, you can visit these platforms' websites and submit an installation application. The brand behind the merchant payment code will arrange for local service providers to collect the necessary documents. After the network access review is completed, our staff will arrange for on-site installation.

Conclusion:

In summary, how to apply for a merchant payment code and what documents are required depend on several factors such as the merchant category and platform chosen. Currently, merchant payment codes support only Chinese RMB payments and do not support overseas transactions.