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Abnormal Account Status for Receiving Payments
In today's business world, receiving payments from customers who are located in remote areas is a common practice. However, this process can be complicated when the receiving account is involved in an abnormal status or is subject to anti-fraud regulations, which may impede the ability to receive payments. With the enforcement of new rules, it is no longer allowed to send QR codes directly to customers for payment recognition. Remote payments are easily subjected to anti-fraud risks, particularly for aggregated QR codes, which are only intended for face-to-face transactions.
There are mainly two ways to support remote payments. First, there is a payment portal on websites that can be connected to payment interfaces, such as those used by Taobao and JD.com, allowing customers throughout the country to pay simultaneously without an issue. Second, there are payment channels for small programs, which can be found on some small program malls. While this option is relatively more expensive than ordinary aggregated QR codes, its cost rate is lower than traditional channels and is an efficient method for remote payment.
Connecting payment portals on websites require a website and a network record, which may be somewhat complex. Conversely, small-program mall channels are relatively simpler and often leverage existing technology channels on small programs. Each transaction is independent, has a time limit, and generates a unique order number. When the time limit is exceeded, the transaction cannot be completed.
The use of the Guangliyun payment code effectively reduces anti-fraud risks, provides multiple payment options, and has a cost rate of 0.38%. However, it is currently not available for overseas payment transactions.
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