As we all know, with the rapid development of network technology, our lifestyle has also undergone earth-shaking changes, especially in payment transactions, cash payment is quietly fading out of people's sight and has almost entered the era of "cashless" transactions. From vegetable market to shopping mall, scanning code payment has become the mainstream payment method.
In this process, due to the social nature of WeChat, the high viscosity of users and her unique huge user group, WeChat payment has played a vital role in the field of electronic payment. According to public data, the number of WeChat users is as high as 65.438+0.2 billion, which can be said to have an irreplaceable position in the domestic social field. Although a large number of users of WeChat make the payment ecology more prosperous, it is inevitable that there will be a series of unsatisfactory places. Unconsciously, many ill-intentioned investors use personal payment codes for illegal transactions. They illegally use personal payment codes on online or offline platforms, which not only makes it difficult to track the fund movements of third-party platforms when necessary, but also increases the difficulty of official supervision of users.
In order to improve users' electronic payment experience and standardize the mobile payment market, the central bank put forward a series of regulatory requirements for acquiring institutions, clearing institutions and bar code payment on 202 1, and plans to implement them on March 1 2022, which also means that our commonly used two-dimensional code remote collection will be subject to many restrictions. With the approach of time, WeChat also announced the "new regulations", saying that after March 1, personal payment codes can continue to be used, but no obvious commercial activities are allowed, and a transition period will be reserved for users to upgrade. In other words, in the future, WeChat merchant payment code and personal payment code will not be unclear in the use process, but will be more strict. Because of their different attributes, if they want to be commercialized, they should be upgraded to commercial payment codes.
In the process of upgrading, if you have a business license, you must prepare a business license and a business license. "There will be an ID card. And small and micro businesses such as small business hawkers without business licenses. You need to prepare two photos of 1. Store indoor merchandise display. 2. Take a photo of the door facing the door, which must be clearly displayed on the plaque of the shop, but you can't shoot at a single item. If these two really don't exist, you can try one of the Baidu pictures that matches your actual business content as much as possible. 3. identity card, 4. Bank card, 5. Cell phone number Some people may ask, can I use cash? Of course, you can also choose to use cash. However, he doesn't have a receipt code for convenience and safety. Come on. One more thing, if the customer is a frequent visitor, you may wish to add a friend to transfer money and pay in the form of a red envelope.
In addition, there is another payment method that will soon be popularized, that is, digital RMB. Although this payment method has not been popularized nationwide, some pilot offline businesses in China have begun to adopt this payment method. Moreover, the digital RMB has a national credit endorsement, which not only supports the QR code, but also supports the offline payment of users, that is, without the network, the payment can be completed by turning on the mobile phone, which is convenient and safe, and is also an essential collection tool for future businesses.
In a word, it is an inevitable trend that the commercialization of personal bar codes is prohibited, which is the improvement of security level and the healthy development of digital finance in the era of mobile payment. At the same time, for individuals, the current funds have also been better guaranteed. Then the reform of collection code not only standardizes the electronic payment market, but also supervises some irregular transactions, which is better than tax evasion and money laundering. What do you think of the new rules of WeChat? You can talk about your own views.
Finally, the method of opening the merchant payment code by Alipay is attached: open Alipay, click My in the lower right corner, and click the merchant service. Then just follow the prompts.