WeChat Pay Payments

WeChat Pay is an e-commerce payment system used in China that allows payers to purchase using direct online transfers from their WeChat Pay account. Payers are redirected to their WeChat Pay account where they can initiate an instant payment.

WeChat Pay is a supported browser payment method in the Mastercard Payment Gateway. This page describes integration details specific to WeChat Pay. It's recommended that you read the integration guidelines for browser payments, before building a WeChat Pay integration.

WeChat Pay browser payments are supported for transactions in EUR, USD, GBP, CNY, and CHF currencies.

Prerequisites

To offer WeChat Pay as a payment method via the Mastercard Payment Gateway:

  • You must be registered with your browser payments service provider.
  • Your merchant profile on the gateway must be configured using the details of your account with the browser payments service provider.
  • You must have a bank account in one of the supported currencies registered against your merchant account at your browser payments service provider.

Note that the gateway only supports WeChat Pay for cross-border merchants, i.e., international merchants entering the Chinese market and Chinese tourists abroad that want to pay with WeChat Pay. The gateway does not allow processing CNY natively for Chinese-domiciled merchants.

In the case of cross-border merchants:

  • The order amount will be presented to the payer (by the gateway) in the processing currency (e.g. EUR).
  • The payer will be debited by WeChat Pay in CNY and will be charged for the currency conversion.
  • The merchant will be settled by the browser payments service provider in EUR.

WeChat Pay Integration

WeChat Pay via Hosted Checkout

WeChat Pay via Hosted Checkout will be available soon. Please contact your payment service provider for further information.

WeChat Pay via Direct Payment

Direct Payment integration allows you to offer WeChat Pay payment method on your own checkout page.

WeChat Pay is supported from API version 47 onwards.

In addition to the standard fields required in a browser payment request, provide the following fields in the Initiate Browser Payment request:

  • sourceOfFunds.type = WECHAT_PAY
  • browserPayment.operation = PAY (the Authorize operation is not supported by WeChat Pay)
  • sourceOfFunds.provided.weChatPay.accountHolder: The name of the account holder for the payer's WeChat Pay account.

Preferred Language

You can set the language that you prefer WeChat Pay to use for pages displayed to the payer by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, the language will be used only if WeChat Pay supports it.

Sample Code to Initiate WeChatPay Payment
{
    "apiOperation":"INITIATE_BROWSER_PAYMENT",
    "browserPayment":{
    "operation":"PAY",
    "returnUrl":"https://<return_url>"
},
  "order": {
    "amount": "10.00",
    "currency": "EUR"
  },
 "sourceOfFunds": {
    "type": "WECHAT_PAY",
    "provided": {
      "weChatPay": {
        "accountHolder": "John Smith"
      }
    }
  }
}

How to Interpret the Transaction Result

The table below shows the transaction response codes for the possible scenarios you may encounter after initiating a WeChat Pay payment.

Initiate Browser Payment Response
 What This Means...
response.gatewayCode=SUBMITTED
result=SUCCESS		 Redirect the payer using the URL provided in the response.
Retrieve Transaction/Retrieve Order Response
What This Means...
response.gatewayCode=APPROVED
result=SUCCESS
sourceOfFunds.provided.weChatPay.accountHolder 		The payment is successful.
response.gatewayCode=PENDING
result=PENDING
 The Mastercard Payment Gateway is waiting for a notification from the acquirer about the payment result. Try RETRIEVE_TRANSACTION again later or listen to notifications from the Mastercard Payment Gateway.
response.gatewayCode=CANCELLED
result=FAILURE		 The payer has cancelled the interaction for this payment. Offer the payer the option to try another payment method.
response.gatewayCode=DECLINED or ACQUIRER_SYSTEM_ERROR
result=FAILURE		 The payment was declined. Offer the payer the option to try another payment method.
In the case of an ACQUIRER_SYSTEM_ERROR you may want to inquire with the acquirer the reason for payment failure, or you can try RETRIEVE_TRANSACTION again.
response.gatewayCode=TIMED_OUT
result=FAILURE		 Treat this as a declined payment. The Mastercard Payment Gateway will make any attempt to ensure the transaction was not successful or will revert the transaction.

Refunds

You can refund WeChat Pay payments in part or in full. You must be configured for refunds on the Mastercard Payment Gateway and on your merchant account at your browser payments service provider.

Testing Your Integration

The Mastercard Payment Gateway provides a browser payments emulator that allows you to test your WeChat Pay integration.

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