This Weixin Pay Proper Use Rules apply to all Weixin Pay overseas Institutions and Merchants which have entered into Weixin Pay Cross-border Payment Service Agreement and/or equivalent contract relating with Weixin Pay Cross-border Payment Service.
Please note that “You” shall mean Merchant and/or Institution. If you are a Merchant, you shall commit to abide by this Weixin Pay Proper Use Policy. If you are an Institution, you shall commit to require and ensure your sub-merchants to conform to this Weixin Pay Proper Use Policy.
1. Permitted Categories
Subject to the Chinese applicable laws, statute, ordinance, regulations, and the approval of SAFE, Weixin Pay Cross-border Payment Service is permitted for categories of cross-border transactions as listed below:
| No. | Permitted Categories for Transactions of Cross-border Electronic Commerce | Permitted Categories for Transactions of Offline QR Code Scanning |
|---|---|---|
| 1 | Trade of goods | Tourism shopping |
| 2 | Airline tickets | Accommodation |
| 3 | Hotel accommodation | Catering |
| 4 | Overseas education | Transportation |
| 5 | Ticket services for tourism | Daily life services |
| 6 | International logistics | Tickets services for tourism |
| 7 | International car rental | Leisure and entertainment |
| 8 | International conferences | Communication |
| 9 | Software services (digital entertainment products and Apps download services, excluding top up services for virtual asset, such as top up for online games or membership) | Medical services |
| 10 | Medical services | Overseas education |
| 11 | Training | |
| 12 | International conference |
2. Forbidden and Restricted Categories
Subject to the Chinese applicable laws, statute, ordinance, regulations, and the approval of SAFE, Weixin Pay Cross-border Payment Service is forbidden for transactions as listed below:
| No. | Part A - Forbidden Categories |
|---|---|
| 1 | Payday loans |
| 2 | Stock and securities |
| 3 | Mutual Funds |
| 4 | Insurance products and services (excluding airline accident insurance, overseas travel accident insurance, overseas car rental accident insurance and other overseas travel accident insurance, freight related insurance, student health insurance for study abroad, ect.) |
| 5 | Financial products and services, including trusts or asset management services, or products and services associated with the sale of traveler’s checks, money orders or foreign currency |
| 6 | Foreign exchange services or check cashing businesses |
| 7 | Peer to peer (P2P) lending services |
| 8 | Payment by instalments service |
| 9 | Transactions that are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card |
| 10 | Trading or distribution of currency (including USD and other foreign currencies) |
| 11 | Pornographic and/or erotic products, pictures, channels, and publications |
| 12 | Pornographic and/or erotic services (including but not limited to sex chatting, escort services, and prostitution) |
| 13 | Gambling devices and accessories |
| 14 | Gambling or betting, including but not limited to lottery tickets, casino gaming chips, off-track betting, memberships on gambling-related internet sites and wagers at races |
| 15 | Illegally sold drugs, alcohol, or drug paraphernalia or other products that present a risk to consumer safety |
| 16 | Products or services that are marketed or advertised using deceptive or unfair sales practices |
| 17 | Ammunition, firearms, or certain firearm parts or accessories, including but not limited to military or police equipment |
| 18 | Consumer Credit Reporting Agencies |
| 19 | Sales of personal information (e.g. valid or synthetic identity card information) |
| 20 | Services or products that infringe on personal privacy (e.g. online activity monitoring) |
| 21 | Credit forgery or identity theft services |
| 22 | Illegal sale of financial information (e.g. bank accounts, bank cards) |
| 23 | Rare wildlife (living things), Rare wildlife products (specimens, etc.) |
| 24 | Smuggled goods |
| 25 | Human organs |
| 26 | Online sale of tobacco products |
| 27 | Trading or sale of digital virtual or crypto- currencies (e.g. Bitcoin, Litecoin) |
| 28 | Certain weapons or knives regulated under Applicable Law |
| 29 | Poisonous or hazardous chemicals or products containing prohibited ingredients |
| 30 | Counterfeit or replica goods/products or currency |
| 31 | Open-loop prepaid cards |
| 32 | Antiques and arts, Antique reproduction shops relating with： i looting or theft, the illicit excavation of archaeological items, smuggling, and the sale of stolen or counterfeit objects and/or ; ii subjective sales price or the transaction price does not match the market price or without a clear pricing mechanism. |
| 33 | Precious metals and rare earth minerals |
| 34 | Crude oil, Petroleum and Petroleum Products |
| 35 | Sale of brand new or second hand ships and aircrafts (Excluding accessories) |
| 36 | Pawn service or shops and Salvage Yards. |
| 37 | Software or products related to trading of financial products and information |
| 38 | Virtual Private Network, Virtual Private Server |
| 39 | Cash disbursement services from credit funding sources (e.g. credit card cash out) |
| 40 | Rebate or cashback services |
| 41 | Products or services that process pop-ups or contain, promote, reference or link to any spyware, malware, virus, back-door, drop dead device or other program installation |
| 42 | Real estate service（Real estate development, investment, and sale） |
| 43 | Auction sites and services |
| 44 | Debt collection services |
| 45 | Surrogacy services |
| 46 | Hacking services |
| 47 | Safe deposit services provided by banks and/or financial institutions |
| 48 | Legal services and attorneys |
| 49 | Accounting, auditing, and bookkeeping services |
| 50 | Consulting services (excluding medical and health consultation, psychological consultation and education consultation) |
| 51 | Immigration Service |
| 52 | Charitable and social service |
| 53 | Crowd funding |
| 54 | Illegal or unregistered fund-raising activities |
| 55 | Court Costs |
| 56 | Deposit and Bail Payments (excluding deposit for shared charger, shared umbrellas, Cybercafe, hotels and rental deposit) |
| 57 | Civic, social and fraternal associations |
| 58 | Political Organizations endangering national security, including promoting terrorist and extremist organizations, subversion of state power, and disseminating state secrets |
| 59 | All religious websites, publications, or accessories (excluding temple souvenirs, tickets) |
| 60 | Items that support pyramid or Ponzi scheme, matrix programs or other “get rich quick” schemes or certain multi-level marketing programs |
| 61 | Dating and Chat |
| 62 | Live e-commerce with reward function |
| 63 | Superstition services (e.g. Feng Shui, fortune-telling or tarot divination services) |
| 64 | Game account rental platform |
| 65 | Cemetery sale |
| 66 | NFT (Non-Fungible Token) |
| 67 | Sale of raw materials and equipment for drug production, manufacturing, and trafficking of drugs, etc. |
| 68 | Fraudulent activities such as click farming, talent agent fraud, false pretenses, etc. |
| 69 | Cloud server service |
| 70 | Academic fraud, essay ghostwriting, proxy test taking |
| 71 | Cheating programs or software that modify game data for the benefit of players |
| 72 | Investment and Financial management |
| 73 | Course training that induces users to make investments |
| 74 | Financial data services |
| 75 | Banking or payment products and services (including all types of loans) |
| 76 | Business Registration Service |
| 77 | Advertising, trademark design, etc. |
| 78 | Sale of medicines without applicable registration and/or approval |
| 79 | Sale of wine futures |
| 80 | Membership fees payable to political parties, association, charitable organization, and other organizations out of the approved scope |
| 81 | Products and/or services that are targeted for sale to the institutions (including enterprises, companies and other organizations) (e.g. advertising, enterprise management service, enterprise information technology service, exhibition service, machinery and equipment procurement and/or raw material procurement, etc.) |
| 82 | Other goods or services that violate relevant PRC laws and regulations or adversely affect the reputation of Weixin Pay |
Subject to the Chinese applicable laws, statute, ordinance, regulations, and the approval of Tenpay, Weixin Pay Cross-border Payment Service is restricted for transactions as listed below, please contact our Business Team directly to obtain pre-approval:
| No. | Part B - Restricted Categories Requiring Pre-Approval (not an exhaustive list) |
|---|---|
| 1 | Single-purpose or other closed-loop prepaid cards and top-ups (including gift cards and other stored value cards) |
| 2 | Online Gaming |
| 3 | Notary Service |
| 4 | Fees payment agency platform |
| 5 | Sale of domain name |
Tenpay is entitled to adjust or update the Weixin Pay Proper Use Rules and will inform you from time to time. Simultaneously, in case of any change about You including but not limited to your business model, your business categories, new goods on sale, new functions regarding your service, the enforcement of any new laws, statute, ordinance, and regulations in your countries or regions, please inform us with a thirty (30) calendar days’ prior written notice to the following email:
wxpayglobal@tencent.com. Besides, you are not allowed to engage in any cross-regional acquiring behavior unless you can provide relevant qualifications for such acquiring behavior.
Effective Date: November 17, 2023.
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