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Bill Payment

Local Acquiring

Bill Payment

Bill payment is suitable for scenarios where you need to generate a payment reference number for your users, and the users complete the payment proactively via e-wallets, convenience stores, or other local bill payment channels. Through PayCools, you can create a static Virtual Account for the corresponding user or bill, obtain the payment reference number and payment instructions, and then provide the payment information to the user. After the user completes the payment, PayCools will notify you of the transaction result.

1

How Bill Payment Works

  1. Create a payment reference number: Create a static Virtual Account via PayCools, and associate the payment reference number with the corresponding user or bill.
  2. Display the payment information: Present the payment reference number or payment instructions to the user, and explain which bill payment channels are available.
  3. User completes the payment: The user goes to the corresponding e-wallet, convenience store, or other bill payment channel, and completes the payment using the payment reference number.
  4. Confirm the payment result: You can receive the payment result notification or proactively query the transaction status, and update the bill or order status according to the final result.

note

A bill (static Virtual Account / payment reference number) may be paid multiple times: the merchant order number mchOrderId passed in when creating the bill will be returned as-is in the callback, but each incoming payment has its own transaction number transactionId. When reconciling, use the transactionId to distinguish each payment. For statement and callback rules, please refer to Static Payment and Dynamic Payment · Order Number and Transaction Number and General Payment Rules · Callback Notification Rules.

2

Applicable Scenarios

Bill payment is suitable for collection scenarios where users or bills need to be identified via a payment reference number, for example:

  • Water, electricity, and other utility bill payments;
  • Tuition and educational service fees;
  • Loans, installment bills, and other repayment services;
  • Insurance premiums;
  • Telecommunications and internet service fees;
  • Offline cash payment for online orders.
3

Supported Payment Methods

PayCools bill payment supports e-wallets, convenience stores, and other local bill payment channels. Different payment methods may support different currencies, payment limits, and transaction capabilities. Please refer to Payment Methods by Country and the payment methods actually enabled for you.