Traditional e-commerce personal account collection

Difference 1: Personal payment codes can't be spent by credit card, but also by the balance in bank card, Alipay and WeChat, and all merchant payment codes are supported.

Difference 2: the renewal fee is different. Personal payment code does not need to pay transaction fees, and only when it is withdrawn to the bank card will there be a handling fee. The merchant payment code is just the opposite.

Difference 3: The merchant's collection code has special reconciliation software, and personal collection can only be queried through bills.

Difference 4: Merchant collection code can be bound to enterprise account, and personal collection code can only use personal bank account.

Difference 5: The merchant's payment code can be managed by multiple stores, and the funds can be diverted and calculated uniformly. This shows that the merchant payment code is more powerful and the personal payment code is more convenient.

1. Is the personal receipt barcode still available?

It can still be used at present. It is reported that the personal collection code will be implemented on March 1 day this year. But the reporter learned that there are still many small businesses using personal payment codes, and their functions have not changed. Moreover, the personal business receipt code is added, and customers can choose it voluntarily.

2. What is the summary receipt code?

Aggregation payment code is to combine payment methods such as Alipay, Bank and JD.COM into one payment code. Behind the payment, all payment institutions share a piece of cake. No matter which payment code the merchant uses, it has little impact on consumers.

3. Does the merchant need to change the personal receiving code?

The biggest impact of code change on businesses is cost. Small businesses don't need any fees to use the personal receipt code, and only charge 0. 1% handling fee at present. If it is changed to personal business acceptance code, no other expenses will be increased, and all rights and interests will continue to be enjoyed. Therefore, if there are businesses that need to change, after all, it will be more convenient for industrial and commercial registration to operate the receiving code. Moreover, it is powerful, supports credit card payment, and the risk is far lower than the personal collection code.