If the merchant has a WeChat or Alipay account, you can directly apply for the merchant's payment QR code.

If you do not have a WeChat or Alipay account, you can apply for an aggregated payment code. The aggregated payment code supports collecting funds from multiple payment channels.

Of course, if the merchant charges through the payment code, he will also need to pay part of the fee to the operating agency, which is unavoidable.

Merchants with payment codes can attract supply and allow more users to complete payments through online payments. However, without payment QR codes, these users may be lost.

Extended information: Differences between WeChat merchant QR codes and personal QR codes: The differences between WeChat merchant QR codes and personal QR codes are as follows: The payment code generated by the WeChat merchant QR code does not have a WeChat avatar, while the personal QR code has a WeChat avatar; WeChat merchants

QR codes support credit card payment, but personal QR codes do not. The handling fee charged by WeChat merchants for QR codes is determined by the industry, and the handling fee for withdrawing change from personal QR codes is one thousandth.

There are obvious differences between WeChat merchant QR codes and personal QR codes. For merchant users, it is recommended to activate WeChat merchant payment codes.

Cash withdrawals using WeChat merchants' QR codes are not free, but merchants' QR codes can participate in payment-rewarding activities. After receiving payment, you can get collection points, and the collection points can be exchanged for free cash withdrawal coupons.

There will be different activities in different periods, and the redemption of relevant quota coupons should be based on the prompts on the page.

In addition, you can check the free withdrawal amount at the free withdrawal portal.

Therefore, there is a handling fee for withdrawing cash from WeChat payment codes. Only when the user upgrades the QR code to a merchant QR code can the withdrawal be free.

Alipay merchant QR code application: In Alipay's merchant service, you can directly apply for a QR code for payment, and when applying for a QR code, users can also consider whether to activate Huabei payment service.

In fact, merchants do not necessarily need merchants to apply for QR codes. Ordinary individual users can also apply for merchant QR codes. No authentication is required to apply for this.

In addition, if the user is indeed a merchant user and has also applied for merchant QR code collection, then the loan service provided by Alipay may change from borrowing to online merchant lending.

When merchants use QR codes to collect payments, there is a handling fee.

There is no handling fee for withdrawing cash from a merchant code (provided that the money you collected is withdrawn), but a handling fee is required for withdrawing cash from a personal code, usually 0 or 1%, which may only cost dozens of yuan for small merchants.

fee, but for medium and large merchants, this withdrawal fee is not a small amount.

WeChat’s flat rate for merchants is 0.6%. That is to say, if a merchant exceeds the free withdrawal limit, a handling fee will be charged at a rate of 0.6%.

Although we do not need to pay a handling fee when using a personal code to collect money, merchants need to pay a certain withdrawal handling fee when withdrawing cash.

In addition, after merchant payment is enabled, customers can choose more payment methods when scanning QR codes to pay, such as credit cards and Huabei (requiring Koubei), and merchants are registered in Alipay. After the store is successfully launched, users only need to open Alipay-Koubei

- Food (shop) can search for nearby businesses (including your shop information), discount information and the like, which has an advertising effect.

Not only that, there is also a data retention function that can save all customer consumption records, and then merchants can use this information to carry out targeted marketing activities.

Alipay company regulations: For individuals who have not signed a contract with Alipay or a service provider, there will be a fee for transferring and withdrawing money earned by scanning the QR code.

After opening the "Alipay Merchant Collection Code", merchants, vendors, etc. sign up as merchants, whether they pay in person or receive Alipay, there is no charge for cash withdrawals.