10-31 news, on the same day, the WeChat Payment Assistant issued an important notice on the adjustment of credit card payments, showing that "according to management regulations, starting from November 1, 2022, personal payment codes will no longer provide "credit card payment" services. ”
IT Home learned that the WeChat Pay Collection Assistant stated that according to management regulations, from November 1, 2022, the personal payment code will no longer provide the "credit card payment" service. If you need to continue using it, you can apply for the "personal business payment code".
1. "Personal Business Collection Code" supports credit card collection
1. How to apply for "Personal Business Collection Code"?
In the "WeChat Collection Assistant", click on the business collection service in the menu bar at the bottom - apply for a business collection code. No business license is required, the merchant can submit his ID card and store photos. Invitation is gradually being released for personal business collection codes. If there is no entry for business collection service in your menu bar, please continue to pay attention. After the application is completed, use the "personal business payment code" to collect payment:
- supports credit card payment
- to receive payment to the business account, and the money for business is independently managed
- withdrew free
- to receive 2 million yuan of security guarantee
2. How to enable the credit card payment function of "personal business payment code"?
can open the business ledger mini program - business tools - credit card collection - open. The credit card collection function needs to be turned on manually, otherwise the default function will be turned off, that is, the customer cannot use the credit card to pay you.
3. What is the handling fee for using the "personal business collection code"?
[Credit Card Collection] A service fee is charged at 0.38% of the actual payment amount.
[Non-credit card collection] No transaction service fee will be charged for a single transaction of less than 5 yuan, and the rest will be charged a service fee at a transaction rate of 0.1%. Before December 31, 2022, there will be no transaction service fee for the first 1,000 yuan of payment for daily payment.
4. How to check the handling fees incurred by credit card collection?
can be viewed in the receipt notification, collection history and transaction details of each credit card collection transaction. Voice broadcast will be broadcast according to the actual payment amount of the payer.
5. After applying for the "personal business payment code", can the original personal payment code continue to be used?
The original personal payment code can continue to be used, but it does not support credit card payment.
2. Notes on collecting credit cards
Once it is discovered that the merchant is suspected of credit card cashing out, stealing and other abnormal card use behaviors, WeChat Pay will close the merchant’s credit card payment permissions, and at the same time, the merchant will be dealt with in accordance with the agreement and regulatory requirements.
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Source: IT Home, Linxia Media Center
