Introduction: The company is developing a smart retail project (unmanned retail cabinet) recently. The business model is that users need to be authorized by wechat Payment after entering the mini program. When the payment reaches the threshold set by the merchant, they have the opportunity to open the cabinet for shopping.
Outline of payment sub-access process
1. Preparation before access
Project Experience: Confirmation-free mode is more friendly to product design and user experience. Similar products also use confirmation-free mode. So we first applied for the confirmation free mode, but the audit failed.
Failure cause: The order confirmation mode is an advanced interface and does not support smart retail scenarios. Similar products have been applied for earlier, and the interface permissions have not been tightened.
Wechat Pay sub-accounts should be applied for one month in advance as far as possible, leaving enough time for adjustment and re-submission of materials for subsequent audit failure.
1.1 Read the document.
Pay.weixin.qq.com/wiki/doc/ap…
Carefully read the relevant documents of wechat Pay provided by wechat official to understand wechat pay products, access process, design specifications, application scenarios and differences of different modes, development process and interface capabilities, etc.
1.2 Determining the Access Mode.
Communicate with the wechat team to determine which mode of wechat payment is supported by the company’s industry/usage scenario.
1.3 Design product usage scenarios, interaction and logic according to payment sub-specifications.
Access request and payment sub-acceptance shall be reviewed.
1.4 Submit access payment sub-application.
Collect and organize the information needed for access to payment.
Merchants send email access application to [email protected], and wechat side will evaluate and reply the audit result within 7-10 working days. The application should include the following information:
1.1. Basic Information of merchant
1.2. Merchant Profile
1.3. Use of product schemes for payment sharing
1.4. Scenario description using payment points (including online interaction and logic diagrams/documents)
For details of application, please click: Merchant Entry Instructions – Text version, Merchant Entry Instructions – Graphic version
1.5 Signing of the Agreement.
After passing the verification of merchant information and business scenarios, merchants can log on to [wechat Pay – Merchant platform] to complete the agreement signing.
Signing guidelines: login [wechat Pay – merchant platform] > Product Center > Payment Development Tools > wechat Pay sub > apply for opening products + sign agreements
1.6 Merchant side development test.
1) Upon completion of signing, the wechat side will provide configuration information documents for merchants to check and fill in relevant information.
2) the wechat side completes the service ID (Service_id) configuration in the process of technical joint commissioning according to the merchant’s information. After the merchant side is configured with the test number, the technical joint adjustment begins.
1.7 Wechat Pay shall start acceptance and launch.
After the completion of merchant side development test, the acceptance and on-line work will be started. The process is as follows:
1) Acceptance of product scheme, the following information shall be provided:
Video and screen recording of the whole business process on the merchant side. [Sub-Instructions for Merchant Access and Payment (IV) Acceptance Requirements]
Merchants provide the acceptance environment of APP (including IOS and Android), mini program or H5. Acceptance confirmation will be carried out on wechat side in the acceptance environment.
2) Confirm the gray time and go online at the agreed time.
3) After acceptance, the wechat side will complete the configuration and the product will be officially launched. Before the launch, merchants need to fill in the online plan (template provided by the wechat side).
** Note: During acceptance, the wechat side requires the function of closing the wechat Pay sub-entrance in an emergency. 巴拿马文件
2. Differences between confirmation-free mode and confirmation-required mode.
2.1.1 Confirmation free mode
Authorization for merchant service dimension is long-term authorization. After the user authorizes the merchant service, the merchant can create and complete the order of payment points through the background interface (no secret withholding).
2.1.2 Confirmation Free Scenario
Only the following scenarios can apply for the confirmation free mode.
2.1.3 Flowchart of confirmation free service
2.2.1 Confirm mode
Is the authorization of the order dimension and is a single authorization. After the user authorizes the current order, the merchant can only call the order creation and completion of payment points for the current order (no secret withholding).
