Personal Payment Interface XorPay User Experience, Real-time Alipay Settlement

For individual developers, without a business license or being a sole proprietor, it is not possible to apply for WeChat and Alipay interfaces. However, there are fourth-party interfaces available online specifically for individuals, some of which require installing apps to listen to WeChat and Alipay in order to determine if the payment is successful, but this method is not stable.

xiaoz has been using XorPay for several months (https://shop.imgurl.org/). XorPay has slightly higher transaction fees, but everything else is good. XorPay applies for Alipay and WeChat interfaces on behalf of small and micro businesses, which is more stable compared to other apps that listen to Alipay and WeChat. XorPay encapsulates the payment interfaces and simplifies the API interfaces. The funds are transferred by Alipay and WeChat official platforms, which is relatively secure.

Registering XorPay

Registration link: https://xorpay.com

Registering through xiaoz's invitation link will give you a balance of 50 yuan (to offset the transaction fees). The first registration requires a balance of more than 100 yuan, which means you need to top up 50 yuan after registration. If you register without using the invitation link, you need to top up 100 yuan.

Applying for Payment Interfaces

After registration, upload personal information (ID card), bank card information, and Alipay information as prompted in the background.
After applying, the Alipay interface can be used immediately.
WeChat needs to go through official review. WeChat will use a robot to call and confirm your identity. Once your identity is confirmed, it can be used.

If there are any omissions or errors, please leave a comment to correct them.

About Pricing

XorPay charges a transaction fee of 0.38% for WeChat/Alipay transactions. This fee is charged by Alipay and WeChat official platforms. In addition, XorPay also charges additional fees based on different packages. Relatively speaking, the transaction fees are slightly higher. The official prices are as follows.

Risk Warning

Applying for XorPay requires providing personal information such as ID cards and bank cards. Although the application process is simple, there is a possibility of information leakage. Individuals who are particularly sensitive to privacy information or concerned about security should consider it carefully.

Summary

XorPay does not require a business license or being a sole proprietor. The funds are transferred by Alipay and WeChat official platforms, making the funds relatively secure. The interfaces are also relatively stable. However, the transaction fees are relatively high. Connecting to XorPay requires certain development capabilities, so it is recommended for individual developers.