Wechat Pay Ios

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Accept WeChat Pay on your mobile app on your shopper’s Android or iOS phone. You can choose to integrate Airwallex mobile SDK that supports multiple payment methods, or build the integration by yourself using WeChat Pay mobile SDKs. In-App Payment In-App payment also refers to a mobile-based payment in which the Vendor calls the WeChat payment module by using the open SDK integrated in their mobile-based app to pay for.

Integration

Technical introduction

WeChat Pay users have an online wallet from which they can make payments. The payment product is very flexible, as it allows different ways to access the wallet, depending on the situation. Due to WeChat offering so many ways to pay, there are a few things that should be taken into account when you want to offer WeChat Pay on your website or in your app.

Integration Types

Wechat download for iphone

Depending on the device and/or application the consumer is using for the payment, there are different ways in which the user can open the payment request in their WeChat application. The three devices/ways to pay that are currently supported within Ingenico Connect are:

  • QR-code:The consumer is on a desktop device, where (s)he scans a QR-code, shown on the MyCheckout hosted payment pages or your own website. The QR-code is scanned from the WeChat app of the consumer and the payment appears in the application.
  • URL-intent: The consumer is on a mobile browser, where (s)he will be shown a button that, after clicking or tapping it, opens the WeChat app of the consumer and shows the payment.
  • In-App: The consumer is using your native application(for Android or iOS) to make a payment directly in the app. The WeChat application will NOT open in this case. Instead you are expected to invoke the Native WeChat Android or iOS SDK which you have also included in your application.
  • JavaScript API: Known as Official Account. The consumer is viewing your website using a QQ browser, usually inside the WeChat application. You are expected to invoke WeChat’s JavaScript API on your website to finalize the payment.
  • Mini Programs: The consumer is using your WeChat mini program inside the WeChat application. You are expected to invoke WeChat’s mini program SDK to finalize the payment.

All Integration Types are technically different and they have to be differentiated upon when calling the create Payment API. Therefore, when creating a payment with productId 863 (WeChat Pay) the following field is required: redirectPaymentMethodSpecificInput.paymentProduct863SpecificInput.integrationType. The allowed values are:

  • desktopQRCode - Desktop
  • urlIntent - Mobile
  • nativeInApp - Native inApplication
  • javaScriptAPI - Official Account
  • miniProgram - Mini Program

Please note that for payments with WeChat Pay, beside the integration type, it is also required to send the fraudFields.customerIpAddress field in the create payment API.

NO extra fields are required when creating a Hosted Checkout session. The MyCheckout hosted payment pages are capable of both determining the required integration type and the customer’s IP address.

Merchant Action

Once the payment has been created you will receive a response with status REDIRECTEDNext to that, the response will contain a MerchantActionwith a MerchantActionType of SHOW_FORM. Depending on the Integration Type that was used to create the payment, different show data will be returned. In all cases the Payment ID that WeChat Pay has assigned to it internally will be returned with key: WECHAT_PAYMENTID. This ID doesn’t necessarily need to be shown to the consumer, however it is required as input for the WeChat Native SDK. Full show data that will be returned per integration type is shown in the tables below.

desktopQRCode

Key

Value

Note

QRCODE

String(64)

The String is a Base64 encoded png image. Display the QR code to the consumer.

WECHAT_PAYMENTID

String(32)

The WeChat Pay internal payment ID.


urlIntent

Key

Value

Note

URLINTENT

String(64)

The String is a URL-intent that will work with both Android and iOS phones. Have the intent executed on a button click from the consumer. The intent will open the payment in the consumer’s WeChat application.

WECHAT_PAYMENTID

String(32)

The WeChat Pay internal payment ID.

Full third party data returned per integration type is shown in the tables below.


nativeInApp

Key

Value

Note

WECHAT_SIGNATURE

String(32)

Signature of the payment that was created at WeChat Pay. Required as input for the in-app payment API of the Native WeChat SDK.

SIGNATURE_NONCE

String(32)

Nonce that was used to create the payment. Required as input for the in-app payment API of the Native WeChat SDK.

WECHAT_PAYMENTID

String(32)

The WeChat Pay internal payment ID. Required as input for the in-app payment API of the Native WeChat SDK.

javaScriptAPI and MiniProgram

Key

Value

Note

appId

String(32)

The registered AppId for the merchant. Required as input for the third party call to WeChat’s Java Script SDK in the javaScriptAPI flow

nonceStr

String(32)

Nonce that was used to create the payment. Required as input in the third party calls for both the javaScriptAPI and miniProgram flows

packageSign

String(32)

The WeChat Pay packageSign. This consists of the prepayId and a prefix. Required as input in the third party calls for both the javaScriptAPI and miniProgram flows.Tracking the payment status

paySign

String(32)

Signature of the payment that was created at WeChat Pay. Required as input in the third party calls for both the javaScriptAPI and miniProgram flows.

prepayIdString(32)The WeChat Pay internal payment ID. This is not required as an input for either flows.
timeStampString(32)The timestamp of the WeChat Pay payment. Required as input in the third party calls for both the javaScriptAPI and miniProgram flows.

Tracking the payment status

When the consumer has scanned the QR code or clicked on the button to activate the URL intent, they will no longer be interacting with your website, but instead they are now interacting with the WeChat application on their phones. Both payment options do not allow for a callback from the WeChat app when the consumer has completed the payment. Instead we offer the Third-Party Payment Status API in order to keep track of the payment status when the user is interacting with the WeChat application.

This call, when used with WeChat Pay (863), will return one of two statuses: WAITING or COMPLETED that indicate to you whether the user is still completing the payment, or whether he is done. You are expected to poll for this status once every three seconds and update the page when the status has changed to COMPLETED.

Please note that the COMPLETED status does NOT indicate that the payment itself was successful. In order to find out whether the payment was successful you should retrieve it separately via the get payment API.

Wechat Pay Ios Update

Also note that even though this call will also work for native in-app, javaScript API and Mini Program payments, you should not need it. The Native WeChat Pay SDK, JavaScript API and Mini Program SDK will provide your app with a callback when the payment has finished. At this point you are expected to start querying for the payment’s status via the get payment API.

Wechat For Ios 10.3.3

WeChat Pay
Developer(s)WeChat
Initial releaseAugust 5, 2013; 7 years ago
Operating systemAndroid
iOS
PlatformAndroid and iOS devices
Websitepay.weixin.qq.com/index.php/public/wechatpay

WeChat Pay (Chinese: 微信支付; pinyin: Wēixìn Zhīfù) is a mobile payment and digital wallet service by WeChat based in China that allows users make mobile payments and online transactions. As of March 2016, WeChat Pay had over 300 million users.[1] WeChat Pay's main competitor in China and the market leader in online payments is Alibaba Group's Alipay. Alibaba company founder Jack Ma considered the red envelope feature to be a 'Pearl Harbor moment', as it began to erode Alipay's historic dominance in the online payments industry in China, especially in peer-to-peer money transfer. The success prompted Alibaba to launch its own version of virtual red envelopes in its competing Laiwang service. Other competitors, Baidu Wallet and Sina Weibo, also launched similar features.[2]

Service[edit]

Users who have provided bank account information may use the app to pay bills, order goods and services, transfer money to other users, and pay in stores if the stores have a WeChat payment option. Vetted third parties, known as 'official accounts', offer these services by developing lightweight 'apps within the app'.[3] Users can link their Chinese bank accounts, as well as Visa, MasterCard and JCB.[4]

Wechat Pay App Ios

WeChat Pay (微信支付) is a digital wallet service incorporated into WeChat, which allows users to perform mobile payments and send money between contacts.[5]

Although users receive immediate notification of the transaction, the WeChat Pay system is not an instant payment instrument, because the funds transfer between counterparts is not immediate.[6] The settlement time depends on the payment method chosen by the customer.

All WeChat users have their own WeChat Payment accounts. Users can acquire a balance by linking their WeChat account to their debit cards, or by receiving money from other users. For non-Chinese users of WeChat Pay, an additional identity verification process of providing a photo of a valid ID as well as oneself is required before certain functions of WeChat Pay become available. Users who link their credit card can only make payments to vendors, and cannot use this to top up WeChat balances. WeChat Pay can be used for digital payments, as well as payments from participating vendors.[2]

Red envelope[edit]

In 2014, for Chinese New Year, WeChat introduced a feature for distributing virtual red envelopes, modelled after the Chinese tradition of exchanging packets of money among friends and family members during holidays. The feature allows users to send money to contacts and groups as gifts. When sent to groups, the money is distributed equally, or in random shares ('Lucky Money'). The feature was launched through a promotion during China Central Television (CCTV)'s heavily watched New Year's Gala, where viewers were instructed to shake their phones during the broadcast for a chance to win sponsored cash prizes from red envelopes. The red envelope feature significantly increased the adoption of WeChat Pay. According to the Wall Street Journal, 16 million red envelopes were sent in the first 24 hours of this new feature's launch.[7] A month after its launch, WeChat Pay's user base expanded from 30 million to 100 million users, and 20 million red envelopes were distributed during the New Year holiday. In 2016, 3.2 billion red envelopes were sent over the holiday period, and 409,000 alone were sent at midnight on Chinese New Year.[2]

History[edit]

In 2016, WeChat started a service charge if users transferred cash from their WeChat wallet to their debit cards. On 1 March, WeChat payment stopped collecting fees for the transfer function. Starting from the same day, fees will be charged for withdrawals. Each user had a 1,000 Yuan (about US$150) free withdrawal limit. Further withdrawals of more than 1,000 Yuan were charged a 0.1 percent fee with a minimum of 0.1 Yuan per withdrawal. Other payment functions including red envelopes and transfers were still free.[8]

In 2019 it was reported that WeChat had overtaken Alibaba with 800 million active WeChat mobile payment users versus 520 million for Alibaba's Alipay.[9][10] However Alibaba had a 54 per cent share of the Chinese mobile online payments market in 2017 compared to WeChat's 37 per cent share.[11] In the same year, Tencent introduced 'WeChat Pay HK', a payment service for users in Hong Kong. Transactions are carried out with the Hong Kong dollar.[12] In 2019 it was reported that Chinese users can use WeChat Pay in 25 countries outside of China, including, Italy, South Africa and the UK.[10]

In the 2018 Berkshire Hathaway annual shareholders meeting, Charlie Munger identified WeChat as one of the few potential competitors to Visa, Mastercard and American Express.[13]

References[edit]

Wechat
  1. ^Sun, Eric (22 April 2016). 'WeChat Pay invests USD 15 M to support its service providers'. AllChinaTech. Archived from the original on 24 April 2016. Retrieved 12 December 2017.
  2. ^ abc'How Social Cash Made WeChat The App For Everything'. Fast Company. Archived from the original on 3 January 2017. Retrieved 4 January 2017.
  3. ^Chan, Connie (6 August 2015). 'When One App Rules Them All: The Case of WeChat and Mobile in China'. Andreessen Horowitz. Archived from the original on 10 November 2018.
  4. ^'You Can Now Add a Foreign Credit Card on WeChat'. 25 January 2018. Archived from the original on 19 July 2019. Retrieved 26 January 2018.
  5. ^'WeChat now supports payments between users and one-click payments Finance Magnates'. Fin Tech Finance Magnates. 24 June 2014. Archived from the original on 4 March 2016. Retrieved 13 December 2015.
  6. ^European Central Bank (24 February 2018). 'Definition of instant payment system'. Archived from the original on 9 September 2018. Retrieved 11 September 2018.
  7. ^Jacobs, Harrison (26 May 2018). 'One photo shows that China is already in a cashless future'. Business Insider. Archived from the original on 5 May 2019. Retrieved 5 May 2019.
  8. ^'The Truth About The New WeChat Service Charge'. 18 February 2017. Archived from the original on 23 October 2017. Retrieved 11 February 2017.
  9. ^Yang, Yuan (18 May 2017). 'Tencent scores with domination of mobile gaming'. FinancialTimes. p. 15. Archived from the original on 23 July 2017. Retrieved 18 May 2017.
  10. ^ abJason (14 April 2019). 'WeChat Pay UK - What's The Future Of WeChat Payments'. QPSoftware. Archived from the original on 20 September 2020. Retrieved 18 September 2019.
  11. ^Chandler, Clay (13 May 2017). 'Tencent and Alibaba Are Engaged in a Massive Battle in China'. Fortune. Archived from the original on 12 November 2017. Retrieved 11 November 2017.
  12. ^Yeung, Raymond. 'Contactless competition: WeChat Pay is coming to the MTR'. South China Morning Post. Archived from the original on 4 August 2018. Retrieved 13 October 2018.
  13. ^Munger, Charlie. 'Berkshire Hathaway 2018 Annual shareholders meeting - 11 May 2018 Afternoon session'. Warren Buffett Archive. CNBC/Berkshire Hathway. Archived from the original on 14 May 2018. Retrieved 14 May 2018.

External links[edit]

Wechat For Iphone

Wikimedia Commons has media related to WeChat Pay.
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