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This article mainly introduces the example analysis of payment by credit card developed by Wechat official account. It is very detailed and has certain reference value. Friends who are interested must finish reading it.

Scene introduction

Step 1: the user chooses to pay by card and opens Wechat to enter the "I"-> "wallet"-> "swipe card" bar code interface

Step 2: the cashier generates the payment order in the merchant system, and the user confirms the payment amount.

Step 3: the merchant cashier scans the user's bar code / QR code with the code scanning equipment, and the merchant cashier system submits the payment.

Step 4: the WeChat Pay backstage system receives the payment request and judges whether to verify the user's payment password according to the verification password rules, the transaction that does not need to verify the password directly initiates the deduction, and the transaction that needs to verify the password will pop up the password input box. After the payment is successful, the Wechat will pop up the success page, and if the payment fails, an error message will pop up.

Merchant side process

To introduce the detailed documentation, you only need to briefly understand the process and click here.

The access mode of payment by card can be divided into: merchant backend access (similar to a third party for others) and store access (for your own use); the difference is that the payment results are distributed once more.

According to whether the user needs to enter the payment password or not, it can be divided into two modes: secret-free mode and secret verification mode.

Payment verification password rules

If the payment amount is more than 500 yuan, you need to verify the user's payment password.

User accounts can be secret-free for up to 5 transactions a day, and password verification is required after that.

WeChat Pay backstage judges that there is something abnormal in the user's payment behavior, and transactions that meet the confidentiality rules will also require verification passwords.

The difference between secret-free mode and secret verification mode will be discussed later.

Let's talk about the specific implementation.

The payment interface used in payment by card is: submit payment by card API uses https request; no WeChat Pay certificate is required.

The following is the specific implementation code:

Micropay () in com.javen.weixin.controller.WeixinPayController

Public void micropay () {String url= "https://api.mch.weixin.qq.com/pay/micropay"; String total_fee=" 1 "; / / Authorizer String auth_code = getPara (" auth_code "); Map params = new HashMap (); params.put (" appid ", appid); params.put (" mch_id ", partner); params.put (" device_info "," javen205 ") / / Terminal device ID params.put ("nonce_str", System.currentTimeMillis () / 1000 + "); params.put (" body "," payment test by card "); / / params.put (" detail "," json string "); / / optional params.put (" attach "," javen205 "); / / optional parameter String out_trade_no=System.currentTimeMillis () +" Params.put ("out_trade_no", out_trade_no); params.put ("total_fee", total_fee); String ip = IpKit.getRealIp (getRequest ()); if (StrKit.isBlank (ip)) {ip = "127.0.0.1";} params.put ("spbill_create_ip", ip); params.put ("auth_code", auth_code); String sign = PaymentKit.createSign (params, paternerKey) Params.put ("sign", sign); String xmlResult = HttpUtils.post (url, PaymentKit.toXml (params)); / / return result System.out.println ("xmlResult:" + xmlResult); Map result = PaymentKit.xmlToMap (xmlResult); String return_code = result.get ("return_code") If (StrKit.isBlank (return_code) | |! "SUCCESS" .equals (return_code)) {/ / Communication failed String err_code = result.get ("err_code") / / in user payment, enter the password if (err_code.equals ("USERPAYING")) {/ / wait 5 seconds and call [query order API] https://pay.weixin.qq.com/wiki/doc/api/micropay.php?chapter=9_2} renderText ("Communication failure > >" + xmlResult); return;} String result_code = result.get ("result_code") If (StrKit.isBlank (result_code) | |! "SUCCESS" .equals (result_code)) {/ / payment failed renderText ("payment failed > >" + xmlResult); return;} / / payment success renderText (xmlResult);}

In the open source project weixin-guide, the access address is the http:// domain name [/ project name] / pay/micropay?auth_code=xxxxx, and the authorization code auth_code is the number displayed on the bar code of the Wechat client card swiping interface.

(note: bar code rules for users to swipe their cards: 18 pure digits, starting with 10, 11, 12, 13, 14, 15)

test

It can be tested without a code sweep gun, but it is a bit troublesome to enter the authorization code manually (refreshed every 1 minute), which requires you to enter the authorization code quickly. The code sweep gun just reads the authorization code and doesn't do anything else.

The address where I do port mapping test locally is as follows:

The value of auth_code is written by whoever it is.

Http:// domain name / pay/micropay?auth_code=111 is accessed in the browser

The returned result is as follows:

If you pay by card for more than 5 times, you will be prompted for your password.

The returned err_code is USERPAYING

At this point, the payment result needs to be obtained through the query order API.

This is the difference between having a password and not having a password. If you have a password, you must query the order to obtain the payment result. If the result is still USERPAYING, then call the query order API every 5 seconds to judge the actual payment result. If the user cancels the payment or the user fails to pay for a total of 30 seconds, the merchant cashier withdraws from the query process and continues to call cancel order API to cancel the payment transaction.

The result returned by entering the correct auth_code is as follows:

eleven

Use scene description

If the access mode is successful for the merchant's background access payment, WeChat Pay's system will return the above xml data to the merchant, and the merchant will call back the payment result to the store cashier, and the cashier will continue to process the business logic.

If the access mode-store access payment is successful, the WeChat Pay system will return the above xml data to the cashier, and the cashier will continue to process the business logic.

The above is all the contents of the article "sample Analysis of payment by Credit Card developed by Wechat official account". Thank you for reading! Hope to share the content to help you, more related knowledge, welcome to follow the industry information channel!

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