Detailed introduction to WeChat payment based on Wex5 development

1. Conditions for enterprises to activate WeChat payment

WeChat payment is a payment function integrated in the WeChat client. Users can complete the quick payment process through their mobile phones. WeChat Pay is based on fast payment bound to bank cards, providing users with safe, fast and efficient payment services.
Typically, the conditions for enterprise WeChat payment activation need to be met:
1) Have a public account and it is a service account;
2) The public account must be certified by WeChat; (Uncertified users can apply for WeChat first Certification);
　1) Enter the application page, public platform =》WeChat payment;
Fill in the "merchant basic information", "business review information", "financial review information" and other information.
　2) Sign the commitment letter
After the information is reviewed and approved, download the commitment letter template according to the guidelines, and sign and seal it;
【Warm reminder】"Basic information of the merchant", "Business review information", " The commitment letter can be downloaded only after all three documents of "Financial Audit Data" have been reviewed and approved.
　3) Sign the agreement
Confirm the merchant information and sign the WeChat payment service agreement online without mailing the contract.
　4)Notes
　① The review time for each stage is 7 working days.
　② If the review fails, you can check the reason for failure in the "Notification Center" of the WeChat public platform. Please modify it and re-upload it.
　③ In order not to delay entering the next step, it is recommended that merchants synchronize the signing of the contract with the development work (when the review is passed, Tencent will send important development parameters related to WeChat payment to the email address filled in the "Business Review Information").
But for merchants, whatever payment method users prefer, merchants must have what kind of payment functions. In addition to WeChat Pay, Alipay is also the most commonly used payment method by merchants. For example, Weimob's platform Weimob Payment not only integrates WeChat Pay, but also integrates the three major online payment functions of Alipay, Tenpay, and UnionPay to avoid consumers jumping out of the payment process.

2. Supplement

1. Now you don’t need to pay a deposit of 20,000 to open WeChat payment, but WeChat officially charges a 0.6% handling fee.

　2. Government and media subscription accounts can open WeChat stores, while others must be service accounts.

　3. Information that needs to be provided: business license, ID card, WeChat name, contact information, bank account, etc., and then directly help to open it through the public platform third-party platform (such as Meji Marketing), usually about five days That's it. Enterprises, institutions, societies, media, etc. can all open it.

　4. If you had a subscription account before, you can also find a third party to upgrade it to a service account and then activate the WeChat payment function.

　5. If you are a self-employed business owner with a business license, you can also apply for WeChat certification and WeChat payment. For the method, see Article 3 above.

　6. Individual users cannot activate the official WeChat payment function.

3. Public account payment application method

1. Log in to the public platform, select "WeChat Payment"=》Click "Activate"=》Fill in the information according to the page prompts;

2. You can start development work after receiving the approved email. You need to log in to the merchant platform (pay.weixin.qq.com), fill in the amount received from the payment on the page, sign the agreement online, and complete the payment application.

4. APP payment application method

Log in to the open platform (http://open.weixin.qq.com), select "Management Center" = "Mobile Application", and select the application you need For payment applications, click "View" => "WeChat Payment" => "Application for Activation". The application process is the same as the official account payment application process.

5. Development process of scan-code payment in micro-payment

Development process of scan-code payment:

(1) The merchant’s backend system generates a QR code according to the format specified by WeChat payment. Show it to the user to scan the code.

　(2) The user opens WeChat "Scan" to scan the QR code, and the WeChat client sends the scanned code content to the WeChat payment system.

　(3) The WeChat payment system receives the client request and initiates a call to the payment callback URL of the merchant's backend system. The call request will carry parameters such as productid and user's openid, and require the merchant system to return the delivery data packet

(4) The merchant's backend system receives the callback request from the WeChat payment system and generates an order for the merchant system based on the productid.

　(5) The merchant system calls WeChat Pay [Unified Order API] to request an order and obtain the transaction session ID (prepay_id)

　(6) The WeChat payment system generates a prepayment transaction according to the request of the merchant system and returns the transaction session ID (prepay_id).

　(7) The merchant's backend system obtains the transaction session ID prepay_id (valid within 2 hours).

　 (8) The merchant’s backend system returns prepay_id to the WeChat payment system.

　(9) The WeChat payment system initiates the client authorization payment process based on the transaction session identifier.

　(10) The user enters the password on the WeChat client and after confirming the payment, the WeChat client submits the payment authorization.

　(11) The WeChat payment system will deduct the payment after verification and complete the payment transaction.

　(12) After completing the payment transaction, the WeChat payment system returns the transaction results to the WeChat client, and prompts the user with the transaction results through SMS and WeChat messages. The WeChat client displays the payment transaction results page.

　(13) The WeChat payment system notifies the merchant’s backend system of the payment results by sending asynchronous messages. The merchant's backend system needs to reply to the reception status and notify the WeChat backend system to no longer send payment notifications for the order.

　(14) If the payment notification is not received, the merchant’s backend system calls [Query Order API].

　(15) The merchant will ship the goods to the user after confirming that the order has been paid.

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