Third party payment
The main functions provided by the payment gateway include online payment, transaction inquiry, refund, online bank reconciliation, merchant reconciliation, error handling, secondary liquidation, etc. To be careful
On-line Payment Provide customers with online payment function. Customers choose goods on shopping websites, confirm and select payment gateway for online payment function, payment gateway allows customers to choose online bank, and guide customers into payment page of online bank. After the payment is completed, the online bank receives the successful payment notification and forwards it to the shopping website. _Transaction Query Businessmen of shopping websites can log on to the payment gateway to inquire about the transaction results. The content of inquiry includes: order number, transaction date, order content, transaction amount, handling fee, transaction results, liquidation status, etc. _refund_ When a shopping website can not deliver goods, or consumers are not satisfied with the goods, the shopping website can refund through the payment gateway. _online banking reconciliation_ Payment gateway operators download reconciliation files from various online banks and process reconciliation. _error handling_ Payment gateway business personnel according to the results of online bank reconciliation error processing, long money needs to be returned to consumers, short money needs to be recovered or other corresponding processing. _transaction reconciliation_ Businessmen of shopping websites can log on to the payment gateway to download the transaction details for accounting, and process accordingly according to the results of accounting. _secondary liquidation_ After deducting handling fees and refund funds, the payment gateway counts and pays the receivable funds of shopping websites. At the same time, the system is also responsible for returning the refund funds to consumers. _commission distribution_ Payment gateway statistics and payment of charges receivable.
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December 2018
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