The purpose of this article is to provide some information to developers who are looking for personal payment solutions, in the hope that they can help them choose their own environment, business domain and application scenario. All the third party payment tools mentioned, the fourth party aggregation payment tools without malicious belittling.
How to choose a reliable personal payment service provider?
Selection criteria
1. Var standard = security & stability & settlement cycle & rate
Var EFS = Application environment + Service domain + Application scenario
Classification of service providers
There are many ways of Internet payment, and online payment services are basically divided into several types:
1. Native online bank payment
2. Mainstream third-party payment in China
3. Other third-party payments
4. Fourth party aggregate payment
E-currency payment
Want access bank, need one family to talk, the word of qualification inadequacy is to cannot apply for net silver commonly, involve enterprise qualification, promise, contract, the earnest money of not poor, still do not want to consider with respect to the individual, unrealistic
Third-party payment
1. Native Alipay supports computer website payment, mobile website payment, APP payment and face to face payment, but access requires website record, need to have a business license, in any case or enterprise qualification.
2. Wechat supports public account payment, APP payment, scan code payment, swipe card payment and wechat pay. To use the scan code payment, you need to register the public account first, and then submit the enterprise qualification certification.
Neither of these is an easy project to think about, and for most people, these two mainstream approaches won’t work.
Other third-party payments
Some people may not be familiar with PayPal, which is a global payment tool and focuses on overseas payment and receipt, so it is a good choice for foreign trade friends. There is a website, no website, B2B business, personal payment are applicable. After registration, a user can obtain a PayPal account from the website provider. When the customer makes payment, the money will be transferred to the user’s PayPal account. However, when the cash is withdrawn to the domestic bank, the commission is nearly 5%, and PayPal is more inclined to buyers. Sellers won’t get paid.
paypayzhu
Individuals and businesses can access it. The platform does not retain funds, the payment is very safe, the money is directly to their own account, the callback information feedback is timely, but you need an Android phone to run the APP 24 hours, can not hang ah, the whole process does not require Root permission, also do not need to enter alipay and wechat account password, this aspect is relatively safe. Youzan receives payment through the payment interface of Youzan Micro mall. Manual withdrawal is required, not free, costs from 6800/ year, once risk control funds are difficult to withdraw.
Pay through Passpay cloud
Supports personal and enterprise access. Real-name authentication is required for personal access, and enterprise qualification is required for enterprise authentication. Payment is deposited in banks or wechat or Alipay platforms. Platforms do not retain funds and support a variety of payment methods, but the commission is quite high, which raises the existing threshold.
Fourth party aggregate pay Ping++
The so-called converged payment actually simplifies the platform access process, which is suitable for the needs of multiple systems interconnection. Individual developers still need to apply for the permission to use the required interface, so enterprise qualifications are also required.
Meituan & Alipay word-of-mouth will receive payment through Meituan merchant code and alipay word-of-mouth manager. The conversion rate of payment is not high and may be controlled by risk at any time
By the amount
Monitoring the notification bar by technical means to determine the alipay notification and obtain the amount information is still the strategy of hanging up the phone monitoring, which is high cost and troublesome configuration. It takes 24 hours to hang up the Android phone, which is not free. PaysApi, Tiger pepper, pay Bar and so on
The mobile end hook
Based on virtual Xposed hook technology, can automatically generate any remarks amount payment code high cost, configuration trouble, need 24 hours to hang android mobile phone, potential risk coefficient is high, the probability of risk control will be very high. Micron rich, GreenYEP, etc
H5 Payment professional payment interface for personal payment,
Support wechat, Alipay.
For individual developers/self-employed/small and micro enterprises, to provide safe and stable, formal and fast payment services.
Support NATIVE/JSAPI/ cashier/small program and other payment methods.
Stable native callback (millisecond level), 100% success rate, funds directly to the individual.
Individual qualification can be opened, open permanent use. 0% commission for specific industry can be opened for free.
The market above the scheme, seems to be a lot of, but the main summary is the following two categories
The collecting and settlement
Main disadvantages:
Capital security is difficult to ensure, the natural extra cost of collection and settlement of high rates.
App hang up listening class
Main disadvantages:
First of all, it is also security. If you can monitor payment information, you can monitor other information. The stability is poor, such as notification delay, missing orders and so on.
For individual payment, after all have serious individual payment interface? You can take a look at the H5 payment mentioned at the end, here is a detailed comparison table of individual payments, after reading it may have a clearer understanding.
Formal channels that in the end there is a product to meet the needs of individual payment collection? And can support relatively high concurrency, low delay, capital security without risk, but also does not need enterprise qualification, with very low cost to get efficient returns.
The answer is yes: h5ZHIfu.com
Opening an account only requires: 1 ID card 2 corresponding bank card (for settlement) 3 corresponding real-name authentication wechat
Ten minutes to open an account, with a regular individual available merchant number and key. Of course, while the advantages are obvious, the disadvantages are also obvious: 1 does not support APP jump, but can be replaced by H5 interface; 2 wechat is T1 settlement, and Alipay is instant payment.
In fact, each product has its own characteristics, not to say which is good, which is not good, according to their own actual situation to choose
Above is personal opinion only, inadequacy place welcomes pat brick.