关于收付通处罚商家二级账户 通知电商平台的问题

微信支付 文章 2021-12-30 09:40 0 全屏看文

关于收付通处罚商家二级账户 通知电商平台的问题Regarding the issue of receiving and paying penalties for merchants' secondary accounts and notifying e-commerce platforms

关于收付通处罚商家二级账户 通知电商平台的问题

1商户账号被禁收款能力问题

(1)问题说明

平台型电商平台会有很多商家入驻,这些商家申请收付通二级商户号时提交的资料满足要求,此时商家的收付通账户可以正常收款;后续可能因为商户做了什么违规行为 收到了微信处罚封禁了二级商户号收款能力; 此后此商户的买家购物时发现付款失败 会找到商户,商户会找到电商平台方认为是电商平台的问题;

(2)问题影响与希望的解决方案

电商平台提供给买家的支付方式无法使用是个很大的体验问题,也是个很影响平台核心利益的问题,当某个支付方式无法使用时,电商平台首先要做的肯定是 停止问题收款渠道,引导买家到无问题的收款渠道,然后再异步修复问题收款渠道; 此时需要微信在处罚商家二级商户号时通知电商平台方,此问题我年初就反馈过,但是微信最新提供的新接口https://pay.weixin.qq.com/wiki/doc/apiv3_partner/apis/chapter10_3_5.shtml 并没有将影响平台运行的处罚结果以枚举值的方式说明。处罚方式用文本说明的话平台方如何判断 具体影响的功能(收款、分账、资金解冻 ?);

另外如何引导商户去微信申诉,以APP为载体的平台最好是能通过APP跳转微信,但这个申诉渠道 上述文档没有说明

2.商户账号被封禁分账能力问题

(1)问题说明

平台型电商主要收入来源于订单手续费/扣点,对应使用收付通里面的分账接口实现,但在我平台接入后的半年应用内,经常碰到因为二级商户的分账权限被封 导致电商平台分不到手续费,然后收付通另有付款超180天自动解冻货款的限定,也就是说如果二级商户分账权限一直没恢复,平台就会损失对应订单的扣点手续费

(2)问题影响与希望的解决方案

二级商户号被风控限制一些权限是可以理解的,但如果影响接入的电商平台利益 是不可接受的,收付通风控的是商家二级商户号,不应该限制电商平台分账手续费(如果担心平台扣取的手续费的合规性,可以在完成分账后冻结电商平台一级商户号对应资金额,但不要阻断业务流程)。二级商户侧 存量限制提现 ,增量关闭收款即可 ;

另外收付通不应该提供给商户脱离电商平台的提现入口,商户提现货款必须经过电商平台一级商户号的请求。

1. Prohibited collection capacity of merchant account (1) The problem shows that many merchants will settle in the platform e-commerce platform. The materials submitted by these merchants when applying for the secondary merchant number of paythrupost meet the requirements. At this time, the merchant's paythrupost account can collect normally; in the future, the merchant may receive wechat punishment because of what violations it has done, which has banned the collection capacity of the secondary merchant number; after that, the buyer of this merchant found payment when shopping Failure will find the merchant, and the merchant will find the e-commerce platform, which is considered to be the problem of the e-commerce platform; (2) Problem impact and desired solution the inability to use the payment method provided by the e-commerce platform to buyers is not only a great experience problem, but also a problem that affects the core interests of the platform. When a payment method cannot be used, the first thing the e-commerce platform should do is to stop the problem collection channel, guide the buyer to the problem free collection channel, and then repair the problem asynchronously Collection channels; At this time, wechat needs to notify the e-commerce platform when punishing the merchant's secondary merchant number. I fed back this problem at the beginning of the year, but the new interface provided by wechat https://pay.weixin.qq.com/wiki/doc/apiv3_partner/apis/chapter10_3_5.shtml The penalty results affecting the operation of the platform are not described in the form of enumeration values. If the punishment method is described in text, how does the platform judge the specific affected functions (collection, account splitting and fund unfreezing?); in addition, how to guide merchants to appeal to wechat? It is best for the platform with app as the carrier to jump to wechat through app, but this appeal channel is not explained in the above documents. 2. The ability of merchant account number to be blocked and account splitting (1) The problem shows that the main revenue of platform e-commerce comes from the order handling fee / deduction point, which is realized by using the account distribution interface in the collection and payment link. However, in the application half a year after the access of our platform, we often encounter that the e-commerce platform can not receive the handling fee because the account distribution authority of secondary merchants is blocked, and then the collection and payment link has the limit of automatic unfreezing the payment for more than 180 days, that is, for example As a result, the sub account authority of secondary merchants has not been restored, The platform will lose the deduction Commission of the corresponding order. (2) the problem affects the desired solution. It is understandable that the secondary merchant number is restricted by risk control. However, if it is unacceptable to affect the interests of the accessed e-commerce platform, the collection and payment ventilation control is the secondary merchant number of the merchant, and the billing Commission of the e-commerce platform should not be restricted (if you are worried about the compliance of the service charge deducted by the platform, you can freeze the corresponding capital amount of the primary merchant number of the e-commerce platform after the account splitting is completed, but do not block the business process). The secondary merchant side stock limits the withdrawal, and the collection can be closed incrementally; in addition, the collection and payment link should not be provided to the merchant's withdrawal entrance away from the e-commerce platform, and the merchant's withdrawal payment must pass through the e-commerce platform I Request for level merchant number.

回答:

维光🍳:

按道理来说,平台对商户投诉也是有责任的,比如要加强商户审查,优化投诉处理流程,产生投诉肯定会含有平台的因素,所以被连带也是合理的

Memory:

发表一些个人观点

1、二级商户只能在由平台发起支付,商户做的违规行为,平台理论上都会知晓的,再者,平台没有告知商家是在用自己商户号收款吗?根据合作协议及平台规范这里平台是要有告知义务的。

2、商户一般存在异常无非是被投诉未及时处理,交易纠纷这类问题,因为二级商户不能自己发起支付,肯定不可能自己拿商户号去洗钱、赌博之类的行为,平台要为此承担责任。等到处罚再处理就晚了,消费者投诉接口又不是没有上线。申诉根据具体的处罚方案指引商户登录商户平台/商家助手小程序进行申诉/相关操作。

3、1)主要问题还是平台对于商户的审核、日常巡查没有尽到义务,电商收付通服务商也是要和普通服务商一样,对服务商下商户尽到核查、日常巡查义务,因为这也是属于进行从事收单业务

2)商户与电商平台的纠纷需要自己解决,截流资金违规

周斌-Michael:1.关于提现这个问题  老兄你这个截图 有解答我的疑问,多谢,我这边不会无故限制商家提现,之前担心二级商户不通过平台私下找微信提钱;
2.关于二级商户被处罚 是因为用户投诉,需要对接接口 让商户及时处理,这个我之前没关联到,如果商家账户触发都是因为投诉,我可以接入对应接口及时让商户处理 ; 感谢
3. 对于在处罚前产生的订单无法分账的问题,是否可以考虑处罚不要限制分账权限呢?
Memory:处罚就是针对处罚下发前的异常订单进行阶梯式处罚的,不同的处罚类型,对于限制也不同,高风险账户才会限制分账
北望沣渭:

https://pay.weixin.qq.com/wiki/doc/apiv3_partner/apis/chapter10_2_11.shtml

平台已经把这项能力发展到了第二代了,建议及时对接,掌握特约商户的“被诉”以及“应诉”对接,可能是目前最有效的方案。

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