How to apply for a QR code for bank merchant payment

Take the payment code of ICBC as an example. There are two ways to apply. The first is to follow the WeChat service account of "ICBC Merchant Home" and select "Merchant Application-" "Self-Service Application for Collection Code" entrance; the second way is to download this APP software, the name is "ICBC Merchant Home", select "Become an e-Payment Merchant", after entering, fill in the information, and sign the online contract to apply for ICBC The payment code.

1. Users first need to download the APP ICBC Merchant Home, and then click on the homepage—gt; become an e-payment merchant—gt; select small and micro merchants without a business license;

2. Upload information as required: one photo of the front and back of your ID card, one photo of your hand-held ID card, one photo of the store, one ICBC savings card (ICBC card required), enter store information, store name, store address, etc.;

3. Submit for review, and then wait for ICBC to send a text message the next day. The text message contains the merchant's login name. Then use this login name to log in to the APP, set a password, and then use the QR code to scan and collect money. The ICBC e-payment collection code can support the acceptance of mainstream payment methods in the market such as WeChat Pay, Alipay, JD Pay, UnionPay QuickPass, and ICBC e-payment. It can also support scan-code transactions for customers to bind their credit cards.

Extended information:

In addition to the payment code of ICBC, you can also apply for the payment code of Agricultural Bank of China:

1. Download Agricultural Bank of China Mobile Banking ;

2. Log in and find the entrance of "ABC Express E-Pay";

3. Click on it and the "Service Agreement" will pop up;

4. Select Agree, and the payment QR code will appear on the page. Users can just print the payment code themselves.

Another example is China Construction Bank. The method for applying for a QR code is as follows:

1. Open the mobile app mall, type "China Construction Bank" in the search bar, download and install;

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2. After the installation is completed, open the mobile banking app, enter the login page, and enter your ID number and login password on the page;

3. After completing the login, enter the "Home Page" page, click "Dragon Payment" at the top of the page;

4. Enter the Dragon Payment page, click "Receipt", and you will see your China Construction Bank payment QR code;

5. Use the screenshot function of your mobile phone to save the payment QR code of CCB Bank to the mobile phone album, or print out the payment QR code to facilitate others to scan the code to pay.

As we all know, there is a handling fee for merchant payment codes. Here are several ways to apply for merchant payment codes:

1. Enter WeChat Pay and Alipay official websites to apply. The advantage is that you can receive payment directly to your balance after applying. The disadvantage is that Alipay and WeChat data are not interoperable, and the accounting and reconciliation procedures are cumbersome. And the handling fee rate for applying by yourself is 0.6, which is very high.

2. Banks in various places can handle it. The bank is the bank agent of WeChat and Alipay. You can handle the collection code through the bank counter. The handling fee is generally 0.2-0.38, and some banks support 0 fee. But different regions have different requirements. The advantage is that the handling fee is low (note that some banks offer short-term low rates). The disadvantage is that it has a single function, only one collection code plate, no other collection tools support, and it must apply for the bank's savings card and bundle the bank's savings card.

3. Apply for Chuanbao APP. Chuanbao is the official Alipay and WeChat payment service provider. The merchant code you apply for supports Alipay, WeChat, Huabei, credit card and other payment methods, which is safe and formal. The advantage is that the handling fee is very low, only 0.3, and it has free membership functions and coupon functions, which can promote and retain customers for merchants.