With this function, users only need to associate a bank card with WeChat and complete identity authentication, then they can turn the smartphone with app into a universal wallet, and then purchase the goods and services of cooperative merchants. When paying, they only need to enter the password on their smart phones, and the whole process can be completed without any swipe steps, which is simple and smooth. At present, WeChat payment has realized a variety of payment methods and provided a variety of new marketing tools to meet the different scenarios of users and merchants.