Introduction to two core functions of access aggregation

The core functions of the aggregated payment service platform for merchants include the entry of merchants into third-party payment or banking channels 、 Reconciliation function .

The merchant enters

Merchants need to use aggregate payment , First of all, the incoming materials required for entering the payment channel （ For incoming materials, you need to carefully read the field information to be provided in the docking interface provided by the payment channel , In terms of details, it is sometimes necessary to communicate with the personnel of the docking company in detail ） Upload to website , Then the website will send the information to the payment channel , Complete the incoming process ;

The main purpose of incoming is to create an account in the payment channel with payment license , Used for collection and Sub Ledger .

Of course , The aggregation payment platform also needs to create a merchant , Opposite to third-party payment or bank channels .（ After the merchant fills in the data application , You need to wait until the payment channel is approved , To use aggregate payment services .）

Reconciliation function

It includes two functions ： View transactions and dimension records .

1. Transaction records

Merchants can view daily transaction details and transaction summary on the website .

Transaction details ： Daily order records of all transactions , Every transaction, whether payment 、 Refunds should be recorded , Record the transaction number 、 Trading hours 、 Transaction amount 、 Collection account No 、 The order status 、 Method of payment （ Alipay / WeChat, etc. ） Etc .

Transaction summary ： Summarize all transactions of the day , Need to record, including statistical date 、 Total transaction amount 、 Total number of transactions and other information , Merchants can view the daily transaction summary according to the date range .（ The refund amount is not included in the total amount ）

2. Ledger records

The user transaction payment will first arrive at the merchant's account in the third-party payment or bank , Generally, the transactions of the previous day will be settled separately the next day , First, change the amount received from the frozen amount to the available balance of the merchant account , Then we will talk about the withdrawal of available balance , Pay the transaction amount to the merchant's bank card , Only then can we calculate the actual arrival .

Be careful , There will be split refund, which is an additional split order processing operation , Similar to transaction refund .

Sub Ledger details 、 Summary and transaction details 、 The summary is similar .

Sub Ledger details ： Record of each split order , Including billing time 、 Internal order number 、 External order number 、 Payment platform Order No 、 Order amount 、 Sub Ledger amount 、 Splitting status and other information , Whether it's in the ledger 、 Splitting orders that are successful or failed must be displayed .

Sub Ledger summary ： Summarize and display the daily ledger information , Including transaction date 、 Payment time 、 Split payment amount 、 Bank account 、 Bank account name 、 Payment status 、 Payment remarks and other information .