How can users pay with Alipay and WeChat directly to the merchant's bank card?

How can the user pay with Alipay and WeChat directly to the merchant’s bank card?
This function seems impossible to implement, but some companies have indeed done it, and I have also tested it.

The process is as follows: The other party gave me a QR code to collect money, and then I paid using WeChat. After the payment was completed, the other party received a text message directly reminding: Such-and-such bank has received payment * yuan. (It takes less than half a minute from the time I pay to the other party receiving the SMS reminder)

How is this done?

My idea: After the user completes the WeChat payment, WeChat will directly transfer the money to a company's corporate bank account, and then the corporate bank account will directly transfer the money to the merchant's bank card.

There is a question about this idea: How does WeChat or Alipay payment go directly to the company's account.

Reply content:

How can the user pay with Alipay and WeChat directly to the merchant’s bank card?
This function seems impossible to implement, but some companies have indeed done it, and I have also tested it.

The process is as follows: The other party gave me a QR code to collect money, and then I paid using WeChat. After the payment was completed, the other party received a text message directly reminding: Such-and-such bank has received payment * yuan. (It takes less than half a minute from the time I pay to the other party receiving the SMS reminder)

How is this done?

My idea: After the user completes the WeChat payment, WeChat will directly transfer the money to a company's corporate bank account, and then the corporate bank account will directly transfer the money to the merchant's bank card.

There is a question about this idea: How does WeChat or Alipay payment go directly to the company's account.

Because WeChat and Alipay cooperate with UnionPay. UnionPay opens interfaces to them, so they have payment permissions.

The process is roughly as follows: you scan the QR code and the money is transferred to the public account of Alipay and WeChat. . The background detects the order status, etc., and then transfers it to the merchant's bank card through the UnionPay interface.

It’s very simple. I don’t know where you feel it seems impossible to achieve. . Technology is not the difficulty, the difficulty is applying for a formal and legal payment license.

Many domestic payment platforms do not allow legal payment and photo taking. . When paying, you just transfer it to the platform's personal account through personal transfer, record it through the remark information, and then transfer it to the merchant's bank card. . . . This is illegal.

Technology is not the difficulty, the difficulty is applying for a formal and legal payment license.

What the person above said is right, the technology of this thing is not a problem, it’s just that it’s hard to get a license.
Only the process is roughly:

<code>钱从客户的支付宝或者微信账户转到商家的支付宝或者微信账户</code>