1. Product Overview
Quick Pay: The WeChat Pay user opens the WeChat client and selects + in the top right corner > Money or Me > Services > Money to show the payment code. The merchant uses a code scanning device to scan the payment code and complete the deduction.
Quick Pay is used in payment scenarios requiring quick checkout processes such as offline supermarkets and convenience stores equipped with cash registers (POS devices).
| Application Scenario | Scenario Characteristics | Problem to Fix (User Side) | Problem to Fix (Merchant Side) |
|---|---|---|---|
| Offline supermarkets, convenience stores, retail department stores, etc. | After scanning the user's payment code using the code scanning device, the merchant can directly initiate the deduction. If the payment amount is less than the password free limit, the amount can be deducted without requesting the user to enter the password. | The payment time of the user is shortened as a password is not required. | Scanning the payment code presented by the user can meet the scenario requirement for quick deduction and greatly speed up the checkout process. |
2. Product Process
Quick Pay is classified into password free deduction scenario and password verification deduction scenario:
In a password free deduction scenario, after the merchant scans the user's payment code to initiate deduction, the user does not need to enter the password, and the amount is deducted directly. The product process is described below.
In a password verification deduction scenario, after the merchant scans the user's payment code to initiate deduction, the user needs to enter the password for verification before the amount is deducted. The product process is described below.
3. Conditions of Use
No special use conditions are set for this product. After onboarding as a WeChat Pay institution or direct merchant, you can obtain the permission to use this product by default.
4. Special Notes
Quick Pay involves the password free payment scenario and password verification payment scenario.
Conditions for password free payment: If the amount of the current order is less than RMB3000 or if the current user uses the payment code to make payment less than 10 times on the same day, the password does not needed to be entered for the order and the amount will be deducted directly.
Tips： WeChat Pay appropriately adjusts the password free limit according to the currency exchange rate of the user's consumption area and the merchant’s per-ticket-sales distribution.
If either of the above conditions is not met, password verification will be triggered. In addition, to prevent the content of the payment code from being stolen, under normal circumstances, the WeChat client displays only the QR code and barcode, but not the corresponding content of the code. If the merchant's cashier is not provided with a code scanning device or capability, the user can tap the QR code to display the content. However, note that this operation is judged as a high-risk operation by WeChat Pay, with a certain risk of theft. Therefore, using this code will trigger password verification regardless of the amount of payment.
Tips： The content of WeChat Pay payment code is a 18 digit number, starting with 10, 11, 12, 13, 14, or 15.
5. Application Cases
Currently some large offline supermarkets, convenience stores, and restaurants have been connected to the payment code payment function.
For example, McDonald's and KFC; 711, Family Mart, LAWSON, and MINISTOP convenience stores in Japan.
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