微信支付申请方法及配置 · 小程序商城系统操作手册

<div class="article"><div class="article-head"><div class="left tools"><a class="item icon"></a></div><h1>微信支付</h1> 第一种方法 关注公众号：靠谱信息科技输入申请微信支付或在便捷服务里选择微信支付申请 第二种方法 开通流程指引：申请资料准备->提交资料指引->账户验证->安装操作证书->设置密钥与查看商户号。详细流程如下：1、申请资料准备<ul><li>营业执照：彩色扫描件或数码照片。（三证合一、有效期内、已过年审）</li><li>法人身份证：彩色扫描件或数码照片。（有效期大于 60 天）</li><li>对公银行账户/法人对私账户：包含开户行省市信息，开户账号。（企业必须使用对公账户）</li></ul>*需要注意：开通微信支付时填写的经营范围，需与营业执照经营范围一致。2、提交资料指引1）在电脑端前往微信公众平台（<a href="https://link.zhihu.com/?target=https%3A//mp.weixin.qq.com/" class=" wrap external" target="_blank" rel="nofollow noreferrer" data-za-detail-view-id="1043">mp.weixin.qq.com</a>-）>【微信支付】->【支付申请】->【前往申请】。<figure data-size="normal"><noscript><img src="https://pic3.zhimg.com/v2-5d8dbc53a7ac9b0e50b9639c8d497a1e_b.jpg" data-caption="" data-size="normal" data-rawwidth="1310" data-rawheight="695" class="origin_image zh-lightbox-thumb" width="1310" data-original="https://pic3.zhimg.com/v2-5d8dbc53a7ac9b0e50b9639c8d497a1e_r.jpg"/></noscript><img src="https://pic3.zhimg.com/80/v2-5d8dbc53a7ac9b0e50b9639c8d497a1e_720w.jpg" data-caption="" data-size="normal" data-rawwidth="1310" data-rawheight="695" class="origin_image zh-lightbox-thumb lazy" width="1310" data-original="https://pic3.zhimg.com/v2-5d8dbc53a7ac9b0e50b9639c8d497a1e_r.jpg" data-actualsrc="https://pic3.zhimg.com/v2-5d8dbc53a7ac9b0e50b9639c8d497a1e_b.jpg" data-lazy-status="ok"></figure> 2）点击【注册微信支付商户号】，使用微信扫码（微信号需通过银行卡实名验证，否则将无法进入下一步）。<figure data-size="normal"><noscript><img src="https://pic3.zhimg.com/v2-a264a46dd14639d24ec6ac7b1b3d69ea_b.jpg" data-caption="" data-size="normal" data-rawwidth="1026" data-rawheight="461" class="origin_image zh-lightbox-thumb" width="1026" data-original="https://pic3.zhimg.com/v2-a264a46dd14639d24ec6ac7b1b3d69ea_r.jpg"/></noscript><img src="https://pic3.zhimg.com/80/v2-a264a46dd14639d24ec6ac7b1b3d69ea_720w.jpg" data-caption="" data-size="normal" data-rawwidth="1026" data-rawheight="461" class="origin_image zh-lightbox-thumb lazy" width="1026" data-original="https://pic3.zhimg.com/v2-a264a46dd14639d24ec6ac7b1b3d69ea_r.jpg" data-actualsrc="https://pic3.zhimg.com/v2-a264a46dd14639d24ec6ac7b1b3d69ea_b.jpg" data-lazy-status="ok"></figure>3）登录确认消息会发送到对应微信上，请点击“允许登录”。<figure data-size="normal"><noscript><img src="https://pic3.zhimg.com/v2-2633fd7cd1d9b80030c642538436e8e2_b.jpg" data-caption="" data-size="normal" data-rawwidth="662" data-rawheight="672" class="origin_image zh-lightbox-thumb" width="662" data-original="https://pic3.zhimg.com/v2-2633fd7cd1d9b80030c642538436e8e2_r.jpg"/></noscript><img src="https://pic3.zhimg.com/80/v2-2633fd7cd1d9b80030c642538436e8e2_720w.jpg" data-caption="" data-size="normal" data-rawwidth="662" data-rawheight="672" class="origin_image zh-lightbox-thumb lazy" width="662" data-original="https://pic3.zhimg.com/v2-2633fd7cd1d9b80030c642538436e8e2_r.jpg" data-actualsrc="https://pic3.zhimg.com/v2-2633fd7cd1d9b80030c642538436e8e2_b.jpg" data-lazy-status="ok"></figure>4）回到电脑端继续操作，填写姓名、手机号、邮箱，以创建申请单。<figure data-size="normal"><noscript><img src="https://pic2.zhimg.com/v2-382be80965ccd7adf48f01986c88e779_b.jpg" data-caption="" data-size="normal" data-rawwidth="806" data-rawheight="711" class="origin_image zh-lightbox-thumb" width="806" data-original="https://pic2.zhimg.com/v2-382be80965ccd7adf48f01986c88e779_r.jpg"/></noscript><img src="https://pic2.zhimg.com/80/v2-382be80965ccd7adf48f01986c88e779_720w.jpg" data-caption="" data-size="normal" data-rawwidth="806" data-rawheight="711" class="origin_image zh-lightbox-thumb lazy" width="806" data-original="https://pic2.zhimg.com/v2-382be80965ccd7adf48f01986c88e779_r.jpg" data-actualsrc="https://pic2.zhimg.com/v2-382be80965ccd7adf48f01986c88e779_b.jpg" data-lazy-status="ok"></figure>5）进入填写商户资料页面，选择主体类型为“个体工商户或企业”后，按页面提示提交相关信息，系统会先对资料进行校验，大约需要 3~15 秒，请耐心等待。<figure data-size="normal"><noscript><img src="https://pic3.zhimg.com/v2-bd4550696bdd83aa3c07ba018648b6d6_b.jpg" data-caption="" data-size="normal" data-rawwidth="840" data-rawheight="484" class="origin_image zh-lightbox-thumb" width="840" data-original="https://pic3.zhimg.com/v2-bd4550696bdd83aa3c07ba018648b6d6_r.jpg"/></noscript><img src="https://pic3.zhimg.com/80/v2-bd4550696bdd83aa3c07ba018648b6d6_720w.jpg" data-caption="" data-size="normal" data-rawwidth="840" data-rawheight="484" class="origin_image zh-lightbox-thumb lazy" width="840" data-original="https://pic3.zhimg.com/v2-bd4550696bdd83aa3c07ba018648b6d6_r.jpg" data-actualsrc="https://pic3.zhimg.com/v2-bd4550696bdd83aa3c07ba018648b6d6_b.jpg" data-lazy-status="ok"></figure> 6）若系统校验通过，页面会引导进行账户验证。一般有两种验证方式，可任选其一：（注：当超级管理员为个体工商户的法人时，可能无需账户验证，流程会自动进入下一步-审核中）方式①汇款验证：使用结算账户向财付通指定账户汇入指定金额（个体或企业）；方式②法人微信验证：使用法人的实名微信扫码。3、账户验证方式①：使用结算账户向财付通指定账户汇入指定金额（企业仅支持汇款验证）。a、请使用企业对公账户向腾讯收款卡号汇入指定金额，进行账户验证（验证结束后，汇款金额将全额退还至汇款账户）。<figure data-size="normal"><noscript><img src="https://pic2.zhimg.com/v2-ed1103a6e57c20a44ee79e5a4ab0a315_b.jpg" data-caption="" data-size="normal" data-rawwidth="700" data-rawheight="685" class="origin_image zh-lightbox-thumb" width="700" data-original="https://pic2.zhimg.com/v2-ed1103a6e57c20a44ee79e5a4ab0a315_r.jpg"/></noscript><img src="https://pic2.zhimg.com/80/v2-ed1103a6e57c20a44ee79e5a4ab0a315_720w.jpg" data-caption="" data-size="normal" data-rawwidth="700" data-rawheight="685" class="origin_image zh-lightbox-thumb lazy" width="700" data-original="https://pic2.zhimg.com/v2-ed1103a6e57c20a44ee79e5a4ab0a315_r.jpg" data-actualsrc="https://pic2.zhimg.com/v2-ed1103a6e57c20a44ee79e5a4ab0a315_b.jpg" data-lazy-status="ok"></figure>b、账户验证通过后，即已完成申请资料提交。<figure data-size="normal"><noscript><img src="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_b.jpg" data-caption="" data-size="normal" data-rawwidth="550" data-rawheight="400" class="origin_image zh-lightbox-thumb" width="550" data-original="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_r.jpg"/></noscript><img src="https://pic2.zhimg.com/80/v2-2d6a893f16b32f8c4697b7653a7bc8a9_720w.jpg" data-caption="" data-size="normal" data-rawwidth="550" data-rawheight="400" class="origin_image zh-lightbox-thumb lazy" width="550" data-original="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_r.jpg" data-actualsrc="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_b.jpg" data-lazy-status="ok"></figure> 方式②：使用法人的实名微信扫码验证（个体）。a、将申请页面中的验证二维码展示给法人。 <figure data-size="normal"><noscript><img src="https://pic4.zhimg.com/v2-4fd1f05a353dff9292a08c4f4cd5712f_b.jpg" data-caption="" data-size="normal" data-rawwidth="650" data-rawheight="670" class="origin_image zh-lightbox-thumb" width="650" data-original="https://pic4.zhimg.com/v2-4fd1f05a353dff9292a08c4f4cd5712f_r.jpg"/></noscript><img src="https://pic4.zhimg.com/80/v2-4fd1f05a353dff9292a08c4f4cd5712f_720w.jpg" data-caption="" data-size="normal" data-rawwidth="650" data-rawheight="670" class="origin_image zh-lightbox-thumb lazy" width="650" data-original="https://pic4.zhimg.com/v2-4fd1f05a353dff9292a08c4f4cd5712f_r.jpg" data-actualsrc="https://pic4.zhimg.com/v2-4fd1f05a353dff9292a08c4f4cd5712f_b.jpg" data-lazy-status="ok"></figure> b、法人使用本人微信扫码（注：必须为法人本人微信，且通过银行卡实名认证）。c、进入身份验证页面，核对商户信息后，点击确认，即可完成验证。 <figure data-size="normal"><noscript><img src="https://pic4.zhimg.com/v2-369cd6cddfd703f1cb204d36435608ef_b.jpg" data-caption="" data-size="normal" data-rawwidth="640" data-rawheight="540" class="origin_image zh-lightbox-thumb" width="640" data-original="https://pic4.zhimg.com/v2-369cd6cddfd703f1cb204d36435608ef_r.jpg"/></noscript><img src="https://pic4.zhimg.com/80/v2-369cd6cddfd703f1cb204d36435608ef_720w.jpg" data-caption="" data-size="normal" data-rawwidth="640" data-rawheight="540" class="origin_image zh-lightbox-thumb lazy" width="640" data-original="https://pic4.zhimg.com/v2-369cd6cddfd703f1cb204d36435608ef_r.jpg" data-actualsrc="https://pic4.zhimg.com/v2-369cd6cddfd703f1cb204d36435608ef_b.jpg" data-lazy-status="ok"></figure> <ul><li>账户验证通过后，即已完成申请资料提交。</li><li>微信支付会在 1~2 个工作日内完成资料审核，并通过微信支付商户助手公众号、短信、邮件向超级管理员通知审核结果。</li></ul> <figure data-size="normal"><noscript><img src="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_b.jpg" data-caption="" data-size="normal" data-rawwidth="550" data-rawheight="400" class="origin_image zh-lightbox-thumb" width="550" data-original="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_r.jpg"/></noscript><img src="https://pic2.zhimg.com/80/v2-2d6a893f16b32f8c4697b7653a7bc8a9_720w.jpg" data-caption="" data-size="normal" data-rawwidth="550" data-rawheight="400" class="origin_image zh-lightbox-thumb lazy" width="550" data-original="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_r.jpg" data-actualsrc="https://pic2.zhimg.com/v2-2d6a893f16b32f8c4697b7653a7bc8a9_b.jpg" data-lazy-status="ok"></figure>审核通过后并没有完还需要安装操作证书设置秘钥才算是开通微信支付喔且看如下操作 <h1>第一种或第二种申请通过后</H1> 4、安装操作证书*重要提示：需使用 IE 浏览器，IE10 以上的版本安装流程：电脑进入微信支付商户平台（ <a href="https://link.zhihu.com/?target=https%3A//pay.weixin.qq.com/" class=" wrap external" target="_blank" rel="nofollow noreferrer" data-za-detail-view-id="1043">pay.weixin.qq.com</a>），微信扫码登录->【账户中心】->【个人设置-操作证书】->安装安全控件和安装操作证书->【运行】->【确定】。<figure data-size="normal"><noscript><img src="https://pic3.zhimg.com/v2-4ccaa710210194c12b1eab0e8d40790e_b.jpg" data-caption="" data-size="normal" data-rawwidth="1057" data-rawheight="1802" class="origin_image zh-lightbox-thumb" width="1057" data-original="https://pic3.zhimg.com/v2-4ccaa710210194c12b1eab0e8d40790e_r.jpg"/></noscript><img src="https://pic3.zhimg.com/80/v2-4ccaa710210194c12b1eab0e8d40790e_720w.jpg" data-caption="" data-size="normal" data-rawwidth="1057" data-rawheight="1802" class="origin_image zh-lightbox-thumb lazy" width="1057" data-original="https://pic3.zhimg.com/v2-4ccaa710210194c12b1eab0e8d40790e_r.jpg" data-actualsrc="https://pic3.zhimg.com/v2-4ccaa710210194c12b1eab0e8d40790e_b.jpg" data-lazy-status="ok"></figure> <figure data-size="normal"><noscript><img src="https://pic1.zhimg.com/v2-7f80b6bc84217dd468fd7eeaf387978c_b.jpg" data-caption="" data-size="normal" data-rawwidth="557" data-rawheight="250" class="origin_image zh-lightbox-thumb" width="557" data-original="https://pic1.zhimg.com/v2-7f80b6bc84217dd468fd7eeaf387978c_r.jpg"/></noscript><img src="https://pic1.zhimg.com/80/v2-7f80b6bc84217dd468fd7eeaf387978c_720w.jpg" data-caption="" data-size="normal" data-rawwidth="557" data-rawheight="250" class="origin_image zh-lightbox-thumb lazy" width="557" data-original="https://pic1.zhimg.com/v2-7f80b6bc84217dd468fd7eeaf387978c_r.jpg" data-actualsrc="https://pic1.zhimg.com/v2-7f80b6bc84217dd468fd7eeaf387978c_b.jpg" data-lazy-status="ok"></figure> 5、设置密钥、查看商户号1）设置密钥：【账户设置-API安全】->【设置密钥】。 <figure data-size="normal"><noscript><img src="https://pic4.zhimg.com/v2-38e5c3757aea4444d922f84e0cbb372b_b.jpg" data-caption="" data-size="normal" data-rawwidth="1059" data-rawheight="933" class="origin_image zh-lightbox-thumb" width="1059" data-original="https://pic4.zhimg.com/v2-38e5c3757aea4444d922f84e0cbb372b_r.jpg"/></noscript><img src="https://pic4.zhimg.com/80/v2-38e5c3757aea4444d922f84e0cbb372b_720w.jpg" data-caption="" data-size="normal" data-rawwidth="1059" data-rawheight="933" class="origin_image zh-lightbox-thumb lazy" width="1059" data-original="https://pic4.zhimg.com/v2-38e5c3757aea4444d922f84e0cbb372b_r.jpg" data-actualsrc="https://pic4.zhimg.com/v2-38e5c3757aea4444d922f84e0cbb372b_b.jpg" data-lazy-status="ok"></figure> <figure data-size="normal"><noscript><img src="https://pic4.zhimg.com/v2-4e6b4cca61f4f03e0cee50596c4a674b_b.jpg" data-caption="" data-size="normal" data-rawwidth="626" data-rawheight="481" class="origin_image zh-lightbox-thumb" width="626" data-original="https://pic4.zhimg.com/v2-4e6b4cca61f4f03e0cee50596c4a674b_r.jpg"/></noscript><img src="https://pic4.zhimg.com/80/v2-4e6b4cca61f4f03e0cee50596c4a674b_720w.jpg" data-caption="" data-size="normal" data-rawwidth="626" data-rawheight="481" class="origin_image zh-lightbox-thumb lazy" width="626" data-original="https://pic4.zhimg.com/v2-4e6b4cca61f4f03e0cee50596c4a674b_r.jpg" data-actualsrc="https://pic4.zhimg.com/v2-4e6b4cca61f4f03e0cee50596c4a674b_b.jpg" data-lazy-status="ok"></figure> 2）查看商户号：【账户设置-商户信息】。<figure data-size="normal"><noscript><img src="https://pic1.zhimg.com/v2-c42cbd41c50f141435ae7f05f05849c4_b.jpg" data-caption="" data-size="normal" data-rawwidth="2520" data-rawheight="1374" class="origin_image zh-lightbox-thumb" width="2520" data-original="https://pic1.zhimg.com/v2-c42cbd41c50f141435ae7f05f05849c4_r.jpg"/></noscript><img src="https://pic1.zhimg.com/80/v2-c42cbd41c50f141435ae7f05f05849c4_720w.jpg" data-caption="" data-size="normal" data-rawwidth="2520" data-rawheight="1374" class="origin_image zh-lightbox-thumb lazy" width="2520" data-original="https://pic1.zhimg.com/v2-c42cbd41c50f141435ae7f05f05849c4_r.jpg" data-actualsrc="https://pic1.zhimg.com/v2-c42cbd41c50f141435ae7f05f05849c4_b.jpg" data-lazy-status="ok"></figure> 登陆微信支付|商户平台（<a href="https://pay.weixin.qq.com" target="_blank">https://pay.weixin.qq.com</a>） <img src="https://box.kancloud.cn/7bf2fde42dc190351924323d19fc8a0b_1266x918.png" alt=""> 设置32位API秘钥、下载API支付证书（apiclient_cert.pem和apiclient_key.pem）并解压用记事本打开——复制，粘贴到对应配置位置 </div> <img src="https://tuchun.oss-cn-shanghai.aliyuncs.com/images/1/tech_superarticle/2020/07/00001.png" alt=""></li></ul>