What is a merchant transfer to change?
The merchant transfer to change function is a convenient transfer product provided by WeChat Pay for merchants, and merchants can directly issue change to users on WeChat through this function.
There are two transfer methods: "page-initiated transfer" and "API-initiated transfer", which support batch transfers, and can transfer money to 1-1000 users at a time.
Applicable scenarios for merchant transfers to change
Merchant transfers to change can be used for cash marketing, distribution rebates, administrative subsidies, administrative incentives, insurance claims, commission compensation, corporate reimbursements, corporate subsidies, service payments, purchase payments, and other scenarios where merchants transfer money to individuals.
Merchant transfer to change opens conditions
As long as the enterprise with company qualifications can apply for opening, there is no restriction on the company's industry, merchant account opening time, etc., and the merchant account has not been punished recently.
Merchant transfer to change application steps
First, select a scenario based on your actual needs.
Then fill it out according to the actual business.
A summary of the common reasons why merchant transfers to change applications are rejected
Reason for rejection: The business model involves multi-level distribution, which belongs to the business category not supported by WeChat Pay, and does not support activation.
Reason for rejection: The scenario involves the collection and collection of the second clearing business, which has capital security risks and cannot be activated.
Reason for rejection: After verification, the business model includes the e-wallet scenario that can be used for "recharge, consumption transfer, and function", and there is a risk of operating payment and settlement business without a license, and it does not support opening.
Reason for rejection: The Mini Program was not searched, please go online first.
Reason for rejection: After verification, the content of the appid web link does not match the transfer scenario shown in the screenshot, and the activation is not supported.
Reason for rejection: After verification, there is no actual business in the appid web link, and it cannot be opened.
The merchant's application to transfer money to change was rejected
The initial rejection can hide and cancel the problem in the interactive diagram and the actual page depending on the specific reason for the rejection. If it has been rejected many times, you need to stop the application immediately to avoid abnormal merchant accounts, which can be done through the Mini Program:Merchant change assistantAssist with activation.
Merchant transfer process
The transfer process of merchant transfer to change includes: obtaining user authorization, topping up funds, initiating a transfer, confirming the transfer, querying the transfer record, and obtaining the transfer bill and electronic receipt.
Step 1: Get user permissions.
Merchants need to ensure that they have been legally authorized by users and collect third-party information before initiating a transfer. For details about how to obtain OpenID, see Parameters.
Step 2: Top up the operation account.
Merchants need to open an operating account and top up. For details on how to open an account, please refer to Opening an Operating Account. For details on how to recharge, please refer to Deposit.
Operational operations such as merchant transfers to change, corporate payments to change, vouchers, cash red envelopes, etc., all need to be funded through the operating account.
Step 3: Initiate a transfer application and verify the password.
Merchants can transfer funds from the merchant's operation account to the user's WeChat change through the "API Initiate Transfer" or "Page Initiate Transfer" operation.
API initiation transfer: After the transfer is initiated, in order to ensure the security of capital contribution, merchants need to enter the operation password through the merchant assistant applet to perform transfer verification, for relevant guidelines, please refer to Preparation before access, development guide and using API to initiate transfer.
Initiating a transfer on the page: After the merchant initiates a transfer using the page, he or she needs to enter the operation password to confirm the contribution, and the operation guide can be found in Initiating a Transfer Using the Page.
Step 4: Perform the transfer.
WeChat Pay executes the transfer.
Step 5: Inquire about the transfer information.
Transfer records and e-receipts: Merchants can check the transfer records within the past 2 years through the merchant platform page or through API. The platform supports the application of electronic receipts for transfer slips that have passed real-name verification.
Bill inquiry: Merchants can inquire and ** bills within 5 years through the merchant platform page. At 9 a.m. the next day, you can ** invoice for the previous day (only the completed transfer record is included).