不过最近环境都变严了,微信基本都会弹风险,之前问题不大的支付宝收款,也因为金额稍大开始弹语音提示。
如果你(合法)业务的规模越做越大,那么必然会遇到这个问题。
相信不少人为这事头疼,所以分享下我一些亲身但不一定成熟的方案。
1、初级阶段:日1000以下
这个阶段用微信收即可,如果弹提示,可换红包或者赞赏码。
如果再不行,换成支付宝收取,支付宝不容易出提示。
2、中级阶段:日10000以下
一般分为两类:官方平台和第三方平台。
官方平台:比如微信或者支付宝的平台。
微信:微信收款单、微信小商店、微信商户号。
支付宝:支付宝商户
微信收款单:和微信个人码一样,还是会弹提示。
微信小商店:已经提交营业执照和相关信息,说7-15天审核完成。
微信商户号:除了要营业执照之外,还需要有一个认证过的服务号。

可以推断,门槛和条件越多,办理的难度越大,那么最终越不容易弹提示,收款限度也会更大。
很多网站、APP、平台的收款,其实都基于商户号。
如果你预感未来规模会做大,往规范化方向走,那么非常建议你现在准备开通微信商户号。
这里有个细节,最好通过PC段登陆商户号,认证时能选择的类目更多(线下场所、公众号、小程序、app、PC网站、企业微信)
开通商户号需要准备一个营业执照,和一个服务号,这两个很好开通,费用也不多。
第三方平台
比如:有赞、千聊、小鹅通、荔枝微课、虎皮椒、收钱啦、聚合码、快团团、群接龙、魔筷等等,都属于第三方平台。
这些平台其实也基于商户号,第三方平台相当于一个大商户号,或者众多商户号于一身。
咱们相当于借助人家平台的资质,来实现收款的便利和顺畅。
收款顺畅是顺畅了,但是因为是人家的平台,提现又是另外一回事了。
所以也听朋友说,某聊改成7天提现,有时还会卡钱;某鹅通、某皮椒等等第三方也会出现类似情况。
当然,这是他们收款多才出现,如果平时不多,也可以用下第三方平台。
3、高级阶段:日10000以上
因为第三方平台本质上还是别人的,所以业务量大了,有公司开始自建平台和系统。
自己的平台自己掌握,不被别人卡着是件好事,但是需要的技术、细节、商户号、资质等等都是很庞杂的。
高级阶段方面我其实也不懂,能到这一步的,一年也是几百万级别。
你看,我也不是一开始就知道这些东西。
我的理念一直是遇到问题解决问题,不要过早去研究现阶段碰不上的问题。
一边实践、一边发现问题,然后寻找解决方案,这样的成长才是循序渐进,张弛有度的。
总结一下:
初级阶段:多备支付宝,用于微信不能收款时备用。
中级阶段:准备开通商户号,规范化;另外留意第三方平台,作为备用。
高级阶段:真到这个阶段了,你自然认识和你同等级的好友,多跟他们交流交流,他们的方案和办法也利用起来,不至于自己研发。
注明:以上经验仅供合法业务,请严格遵守法律法规。
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