XorPay Payment Gateway Experience: Real-Time Alipay Settlement for Individuals
For individual developers without a business license or individual industrial and commercial household registration, applying for WeChat and Alipay interfaces directly is not possible. While there are fourth-party interfaces available online for individuals, some require installing an app to monitor WeChat and Alipay to determine payment success, but this method is unstable.
I have been using XorPay for several months (https://shop.imgurl.org/). Aside from slightly higher handling fees, XorPay is quite good. XorPay applies for Alipay and WeChat interfaces in the name of a micro-merchant. Compared to other apps that monitor Alipay and WeChat, it is more stable. XorPay encapsulates the payment interfaces, simplifying the API. Funds are remitted directly by Alipay and WeChat official channels, making it relatively secure.
Register for XorPay
Registration URL: https://xorpay.com
Registering via xiaoz's invitation link grants a 50 yuan balance (to offset handling fees). First-time registration requires a balance greater than 100 yuan, meaning you need to recharge 50 yuan after registration. If you do not use the invitation link, you must recharge 100 yuan.
Apply for Payment Interfaces
- After registration, upload personal information (ID card), bank card information, and Alipay information according to the backend prompts.
- Once the application is successful, the Alipay interface is available immediately.
- The WeChat interface requires official review. The WeChat official system will call you via a robot to confirm your identity. Once confirmed, it can be used.
If there are any omissions or errors, please leave a comment to correct them.
About Pricing
XorPay charges a 0.38% handling fee for WeChat/Alipay transactions, which is collected by the Alipay and WeChat official channels. Additionally, depending on the XorPay package you choose, extra handling fees may apply. Relatively speaking, the fees are a bit high. The official pricing is as follows.
Risk Warning
Applying for XorPay requires providing personal ID cards, bank cards, and other information. Although the application process is simple, there is a possibility of information leakage. Those who are particularly sensitive to privacy information or concerned about security should consider this carefully.
Summary
XorPay does not require a business license or individual industrial and commercial household registration. Funds are remitted by Alipay and WeChat official channels, making the funds relatively secure. The interfaces are also stable, but the handling fees are relatively high. Integrating with XorPay requires certain development capabilities, so it is recommended for individual developers.