Why can’t I pay individuals by scanning the QR code with WeChat Pay?

There is a quota of 6,000 for split payment, why can’t I pay 2,000?

If WeChat split payment clearly has a quota but cannot use it, it is probably due to the following reasons:

1. The merchant who makes the purchase provides a personal payment code and does not activate the merchant payment code. However, for WeChat Pay offline payment, you must scan the merchant's payment code.

2. The system detects that there are risks in the current trading environment. For example, it is suspected that it is not operated by me but by others, so after a comprehensive evaluation, the transaction is restricted to avoid risks.

3. The current repayment account is overdue, and the overdue repayment has caused personal credit damage, so the system has frozen the limit.

4. Customers can transfer funds, send red envelopes, and withdraw cash to bank cards. However, split payments can only be used for consumption and cannot transfer funds, send red envelopes, or withdraw cash to bank cards.

5. Use the payment limit for credit repayment, purchase of financial management, etc. Such transactions are prohibited.

6. The payment amount is less than one yuan.

7. Due to bad behaviors such as frequently changing devices to log in, frequently modifying account information, etc., the account risk increased, and the system then controlled the account.

The quota of WeChat payment is obtained through comprehensive evaluation of the system (manual intervention is not possible). Different users may have different quotas. For example, some only have a few thousand, while others can reach tens of thousands. Generally speaking, the better the overall credit standing of a user, the higher the payment limit; conversely, the payment limit for a user with average credit may not be very high.

The loan limit of WeChat Pay is determined by the system evaluation. After using Pay, users should repay on time every period, maintain a good credit record, and use WeChat Pay and other functions more. This will help improve the score. The amount of borrowing you pay will play a positive role. However, the final loan payment is based on the loan amount displayed on the page. In addition, after opening split payment, even if the initial loan limit is low, users can increase the limit by accumulating a good credit record. The low initial limit will not affect the use.

Viewing process of WeChat payment limit:

Operating environment:

Brand model: iPhone13

System version: iOS15.0< /p>

App version: v8.0.17

1. The user finds and opens "WeChat" in the mobile application

2. The user enters "WeChat" and finds and clicks "I".

3. After the page is converted, the user clicks "Pay".

4. After the page is converted, click "Wallet".

5. Users who have opened Fenpay can see the "Franpay" between Lingqiantong and bank cards. After clicking Fenpay, read and agree to the "Fanpay User Service Agreement" to view it. Individual payment amount. Can I scan the personal payment code for WeChat Pay?

Can I scan the personal payment code for WeChat Pay

1. Open WeChat. Can I scan the personal payment code for WeChat Pay? Log in After success, there is a "+" button in the upper right corner. Click it to select the corresponding operation.

2. After clicking, the following window will open; a drop-down list will appear, and you can click the "Receipt and Payment" button inside to enter the payment window.

3. After clicking, the following window will open; in this window, you can see two buttons: receive and pay; you can click as needed.

4. After clicking the "Receive" button in the window, the following window will open. There is a "Set Amount" button in the upper right corner of this window. There is a generated WeChat QR code in this window, with a text prompt "No need to add friends, scan the QR code and pay me."

5. After clicking the "Set Amount" button, open the following window to enter the amount, and then click the "OK" button at the bottom of the window.

6. After the setting is completed, the following window will appear. At this time, others can directly scan the WeChat QR code to pay; there is no need to add friends or check the friends’ WeChat accounts.

7. This step is to directly click the "Pay" button in step 3, and the following window will open; in this window, you need to enter the payment password in advance. Remember to perform this step in a safe network environment. Log in and enter, and after detection, you will directly return to the next window.

8. After the detection is completed, the following window will be generated; in this window, you can see the barcode and WeChat QR code in this window, which allows the merchant to scan and the payment will be successful. What's wrong with the WeChat clone that can't pay?

1. The merchant payment code has not been activated

WeChat Pay can only scan the merchant's payment code for payment, and cannot scan the personal payment code for payment.

Solution:

In addition, change to a merchant that has opened a merchant payment code for consumption (note that the general vendors provide basically the shop owner’s personal payment code, while in shopping malls, , department stores, large supermarkets, etc. basically all have merchant payment codes).

2. Overdue repayment leads to frozen limit

After the user uses WeChat Pay to make purchases and fails to repay the loan on time within the specified period, the overdue situation occurs and the system reports it to the Central Bank Credit investigation, leaving bad records in the personal credit report, causing damage to personal credit, and the system freezes the limit and closes the account.

Solution:

Hurry up and pay off the overdue debt, then patiently repair the damaged credit report, accumulate more good records, and you may be able to improve your credit after three to six months. recover.

3. WeChat split payment is not supported in transaction scenarios

When paying, split payment cannot be used in the following situations:

1) Transferring money and sending red envelopes;

2) Use it as a debit method for family cards or other automatic deductions, and withdraw cash to bank cards;

3) Credit repayments, financial management purchases, etc.

Solution:

You can only choose other methods to conduct transactions (the specific whether split payment can be used in the transaction and the reasons why it cannot be used are subject to the page display during payment).

4. The account has been subject to risk control by the system

Due to illegal tx operations

or due to frequent modification of account information and frequent use of different devices to log in to the account Etc., the risk of the account has increased significantly, thus triggering system risk control.

Solution:

Avoid risky operations in the future, and then wait patiently for the system risk control to pass (the duration is about one or two months).

5. The system detects that the transaction is risky

Every transaction paid with WeChat Pay will be monitored by the system. Once it is found that there are certain risks in the current transaction environment, for example, it is believed that the merchant is not If there is any suspicion that the transaction is not done by oneself, etc., in order to avoid risks, the transaction will most likely be restricted.

Solution:

You can re-pay and see if it will return to normal. Users suspected of fraud can contact customer service to provide personal identity information for proof.

6. Insufficient available credit

The available credit in the account is lower than the amount of the product, so the payment cannot be successful.

Solution:

Pay off the unpaid bills, restore the previous consumption limit, and start transactions when the available limit is greater than the amount of the product.

7. The consumption amount exceeds the limit

The transaction amount is too large and has exceeded the limit specified by the system (the specific limit limit is subject to the prompts on the transaction page).

Solution:

The limit set by the system cannot be manually adjusted. You can only wait for the limit to be lifted before paying with WeChat. The current transaction can be changed to another payment method.

8. System maintenance and upgrades

The system is undergoing maintenance and upgrades due to malfunctions and other reasons. During this period, the account will be temporarily locked and functions will be limited.

Solution:

As long as the system maintenance and upgrade are completed, it should return to normal immediately (the time it takes varies, it may be a few minutes, a few hours, or a few days) . Can I scan my personal payment code with WeChat Pay?

WeChat Pay cannot scan personal payment codes. WeChat Pay can only scan the payment code of the merchant. When scanning the personal payment code, the page will remind you that payment cannot be made. In order to prevent users from using WeChat Pay illegally, WeChat Pay can only scan the merchant's payment code to make payments, because only in this way can the authenticity of consumption be ensured. Scanning personal QR codes cannot ensure the authenticity of consumption.

In addition, WeChat Pay does not allow transfers, red envelopes, or even cash withdrawals to bank cards. The WeChat payment limit can only be used for online or offline consumer payments. If cash is needed, users can try to apply for Weili Loan.

Whether WeChat Pay can be activated is determined by the system evaluation results, and manual intervention is not possible. Please do not believe false information such as paid invitation activation, scan QR code activation, internal channel activation, etc.

WeChat Pay is a product that calculates interest on a daily basis. Users can return it at any time. There is no early repayment fee when repaying in advance. There is no separate payment entrance. You can increase the probability of opening by improving your personal comprehensive credit score.