1. Onboarding sub-merchant process flowchart
After an institution submits a sub-merchant onboarding request, WeChat Pay will perform a systematic review of the sub-merchant information and return a status to show whether the request is successful or further manual review is required. Institutions shall pay attention to the results returned by the interface:
<xml>
<return_code><![CDATA[SUCCESS]]></return_code>
<return_msg><![CDATA[OK]]></return_msg>
<result_code><![CDATA[SUCCESS]]></result_code>
<sign><![CDATA[2FB58D2C8CF07E2097D628FA10F05287]]></sign>
<sub_mch_id><![CDATA[12345678]]></sub_mch_id>
<verification_status><![CDATA[Approved]]></verification_status>
</xml>Take note that at this point of time, the sub-merchants do not have payment authorization and cannot initiate any transaction. They can only initiate a transaction when they have passed the sub-merchant review. An institution can query sub-merchant's status in the sub-merchant query interface.
1.1. Query sub-merchant's status
After an institution has submitted a sub-merchant onboarding request, the institution can use the query interface to query the sub-merchant's status:
● OPERATING：the sub-merchant has passed the review and onboarding is complete. The sub-merchant has normal payment authorization and can initiate transactions.
● DEACTIVATED：he sub-merchant has been deactivated; the institution has suspended the sub-merchant account after onboarding application is approved and the sub-merchant has no payment authorization and cannot initiate any transaction.
● CLOSED：The sub-merchant has been closed; after the sub-merchant has passed the onboarding review, WeChat Pay has disabled payment authorization and the sub-merchant cannot initiate any transaction.
● INCOMPLETE_APPLICATION：Onboarding process is incomplete; sub-merchant's onboarding application is incomplete and has no payment authorization and cannot initiate any transaction. Please check the onboarding application status in the application_status field.
● PENDING：Pending; after the sub-merchant's onboarding application is approved, the sub-merchant's information has not passed the regular review and the institution is required to log in to the WeChat Pay merchant platform to check and process it. The sub-merchant has normal payment authorization and can initiate transactions.
What to do when sub-merchant has not completed the onboarding review
If the query result shows that the sub-merchant's status is "INCOMPLETE_APPLICATION", check the application status in the application_status field:
● UNDER_REVIEW: Application is currently under review; a WeChat Pay reviewer is reviewing the sub-merchant's onboarding application. Please wait and check again one day later. If the status remains as "UNDER_REVIEW" after 7 working days, contact WeChat Pay for query.
● REJECTED: It has been rejected; the sub-merchant's onboarding application has been rejected by WeChat Pay and the institution must log in to the WeChat Pay merchant platform and resubmit the application after amending the information (please check the reason for rejection in the application_rejected_detail field)
2.Applying for H5 payment authorization for sub-merchants using onboarding sub-merchant interface
For H5 payment product descriptions, please go to H5 Authorization Application / Product Introduction.
To allow institutions to apply for H5 payment authorization for sub-merchants while submitting a sub-merchant application, we have integrated H5 authorization request function within the sub-merchant onboard/modify/query API interfaces.
2.1. H5 payment authorization state definition and transition
In the return package of the sub-merchant onboard/modify/query API interface, h5_authorization_state shows the state of the sub-merchant's H5 payment authorization. The state will determine what you should do for the sub-merchant:
● UNAUTHORIZED: H5 Payment authorization has not be granted to the sub-merchant by the WeChat Pay system. Please request for H5 payment authorization for the sub-merchant by filling in the application information in the WeChat Pay Open Platform - Modify Sub-merchant. Alternatively, you can also go directly to the WeChat Pay Open Platform - Onboard Sub-merchant and fill in the H5 application information to directly obtain a list of sub-merchants whose H5 payment authorization state is UNDER_REVIEW.
● UNDER_REVIEW: Your H5 payment authorization application is being processed. A WeChat Pay reviewer will review the request in around 3-5 working days. Please check the review results at the WeChat Pay Open Platform - Query Sub-merchant.
● REJECETED: Your H5 payment authorization application has been rejected. Please go to the WeChat Pay Open Platform - Query Sub-merchant to check the reason for the rejection and use the WeChat Pay Open Platform - Modify Sub-merchant to update the H5 application information.
● APPROVED: Your H5 payment authorization application has been approved and H5 payment authorization has been granted. If you need to edit the H5 payment domain name, please do so at the WeChat Pay Open Platform - Modify Sub-merchant (note: domain names will be fully updated based on your input).
● UNDER_PUNISHMENT: The sub-merchant is being penalized for the violation of WeChat Pay regulations, please contact your BD for assistance.
● APPLICATION_FAILED: Your H5 payment authorization request is not successful. Please go to the WeChat Pay Open Platform - Query Sub-merchant to check the reason and use the WeChat Pay Open Platform - Modify Sub-merchant to update the H5 application information and apply for it again.
2.2. Sub-merchant apply H5 payment authorization process flowchart
