Does WeChat Pay need to bind a bank card?

WeChat payment does not need to be bound to a bank card. WeChat payment can be used without binding a bank card, provided that real-name authentication is carried out. As long as the real-name authentication is passed, you can use WeChat change to send red envelopes, transfer, collect money, WeChat payment and other operations. It should be noted that WeChat cannot withdraw cash if it is not bound to a bank card, and there are limits on receipts, payments, transfers, etc., with a maximum of 200 yuan for a single transaction and daily, and a maximum of 500 yuan per month.

The operating environment of this tutorial: Android Origin OS 1.0 system, WeChat 8.0.27, IQOO Z3 mobile phone.

WeChat payment does not need to be bound to a bank card. You can pay with WeChat even if you don’t have a bank card bound to it.

The prerequisite for users to use WeChat Pay is real-name authentication. Even if real-name authentication is not used, the platform will give a certain grace period. Although binding a bank card is also a real-name authentication method, it is different from real-name authentication. The only thing is that it is up to the user to decide whether to bind a bank card, and it is not mandatory like real-name authentication. Moreover, WeChat and WeChat Pay are two different things. Although real-name authentication is required for WeChat Pay, it is required by national law. Even if real-name authentication is not performed, it will not affect the user’s use of WeChat functions. It will only limit the use of WeChat Pay functions (as long as real-name authentication is required) , you can use the payment function of WeChat, but WeChat and WeChat Pay are not the same thing).

WeChat Pay can use WeChat change to send red envelopes, transfer, collect money, WeChat payment and other operations after passing real-name authentication. In addition, WeChat cannot withdraw cash if it is not bound to a bank card, and there are limits on the amount of payments, transfers, etc., with a maximum of 200 yuan for a single transaction and a day, and a maximum of 500 yuan per month.

The relationship between WeChat, WeChat Pay, and the bank

The bank is an independent financial institution, and the online merchant bank behind WeChat Pay Same, you need to obtain the corresponding business qualifications, and WeChat Pay does not belong to a banking institution. It is at most a payment platform. Although it also needs to obtain the corresponding business license, compared with banks, the qualifications are much different, and WeChat is just a social platform, and the qualifications required are not as strict as those of payment platforms and banks. When users use WeChat, they do not need to bind a bank card. When using WeChat payment functions (WeChat payment, WeChat transfer, red envelopes), real names are required according to national legal requirements, but whether to bind a bank card is not mandatory. Requirements, because WeChat payment is different from banks. In order to facilitate users to move funds, binding bank cards is to facilitate user operations, not to prohibit users from using a certain function.

How to make WeChat payment without binding a bank card to WeChat?

It’s very simple. Although WeChat is not bound to a bank card and it is indeed impossible to use a bank card to pay, WeChat payment not only supports bank card payment, but also supports WeChat change and Lingqiantong payment. As long as WeChat Payment can be made if there is money in the change or change pass. If users want to deposit money into these two functions, they can use "new card recharge". As shown below:

#You can also ask your friends to transfer funds to you through red envelopes or transfers, and then the money can be deposited in change or change money for payment.

Extended information:

There are two WeChat real-name authentication methods:

1. Enter Click Wallet on WeChat, enter the bank card, and bind the bank card in WeChat Wallet.

#2. In WeChat wallet, select "Identity Information" and directly enter the ID number for verification.

#WeChat real-name system is the country’s way of protecting the truth on the Internet A measure for the management of identity information, and based on the principle of "real-name in the backend and voluntary in the front-end", including Weibo, Tieba, etc., all implement the real-name system, in which supervision, management and law enforcement will be strengthened.

The State Internet Information Office held a press conference and announced a number of websites, columns and WeChat public accounts that have been closed according to law. This time, a total of 50 websites, channels (columns) and WeChat public accounts were shut down in accordance with the law, including 24 websites, 9 website channels (columns) and 17 WeChat public accounts.

According to Xu Feng, head of the Mobile Network Administration Bureau of the Cyberspace Administration of China, in addition to the real-name system for instant messaging, this year the Cyberspace Administration of China will comprehensively promote the management of real identity information on the Internet, with "real-name in the background and voluntary in the front-end" as the core In principle, including Weibo, Tieba, etc., all implement the real-name system, and supervision, management and law enforcement will be strengthened in this regard.

Substitution after WeChat real-name authentication:

Substitution is not allowed after WeChat real-name authentication. Once the real-name authentication is completed, no modification is allowed without special circumstances. Even if the modification is made, only the personal information can be modified, and direct replacement with another person is not allowed. For example, if the user's ID card number changes or the name on the ID card changes, you can contact WeChat's manual customer service and then modify the real-name authentication information with the help of customer service.

Other circumstances do not allow changes to the real-name authentication. The user's ID card is about to expire. WeChat real-name authentication will remind the user to update the ID card information. At this time, the user can update his or her ID card.

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