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WeChat Pay Proper Use Rules

Please use the WeChat cross-border payment service provided by YabandPay correctly. Failure to comply puts your company at risk of being officially blacklisted globally by WeChat Pay.


You hereby warrant and represent that you shall be independently responsible for complying with all applicable laws and regulations relating with all of your actions which exist in the provision of Weixin Pay Cross-border Payment Service Agreement entered into and by Tenpay Payment Technology Co. Ltd.(“Tenpay”) and You.


1. Permitted Categories

Subject to the Chinese applicable laws, statute, ordinance, regulations and the approval of SAFE, Weixin Pay Cross-border Payment Service is permitted for categories of cross-board transactions as listed below:

No. Permitted Categories for Transactions of Cross-board Electronic Commerce Permitted Categories for Transactions of Offline QR Code Scanning
1 Trade of goods Tourism shopping
2 Airline tickets Accommodation
3 Hotel accommodation Catering
4 Overseas education Transportation
5 Ticket services for tourism Daily life services
6 International logistics Tickets services for tourism
7 International car rental Leisure and entertainment
8 International conferences Communication
9 Software services (digital entertainment products and Apps download services, excluding top up services for virtual asset, such as top up for online games or membership) Medical services
10 Medical services Overseas education
11 Training
12 International conference


2. Forbidden and Restricted Categories

Subject to the Chinese applicable laws, statute, ordinance, regulations, and the approval of SAFE, Weixin Pay Cross-border Payment Service is forbidden for transactions as listed below:

No. Forbidden Categories
1 Payday loans
2 Stock and securities
3 Mutual Funds
4 Insurance products and services
5 Financial products and services, including trusts or asset management services, or products and services associated with the sale of traveler’s checks, money orders or foreign currency
6 Foreign exchange services or check cashing businesses
7 Peer to peer (P2P) lending services
8 Payment by instalments service
9 Transactions that are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card
10 Trading or distribution of currency (including USD and other foreign currencies)
11 Pornographic and/or erotic products, pictures, channels, and publications
12 Pornographic and/or erotic services (including but not limited to sex chatting,escort services, and prostitution)
13 Gambling devices and accessories
14 Gambling or betting, including but not limited to lottery tickets, casino gaming chips, off-track betting, memberships on gambling-related internet sites and wagers at races
15 Illegally sold drugs, alcohol, or drug paraphernalia or other products that present a risk to consumer safety
16 Products or services that are marketed or advertised using deceptive or unfair sales practices
17 Ammunition, firearms, or certain firearm parts or accessories, including but not limited to military or police equipment
18 Consumer Credit Reporting Agencies
19 Sales of personal information (e.g. identity card information)
20 Services or products that infringe on personal privacy (e.g. online activity monitoring)
21 Sales of valid or synthetic government IDs and documents
22 Credit forgery or identity theft services
23 Illegal sale of financial information (e.g. bank accounts, bank cards)
24 Rare wildlife (living things), Rare wildlife products (specimens, etc.)
25 Smuggled goods
26 Human organs
27 Virtual Currencies
28 Online sale of tobacco products
29 Trading or sale of digital or crypto- currencies (e.g. Bitcoin, Litecoin)
30 Certain weapons or knives regulated under Applicable Law
31 Poisonous or hazardous chemicals
32 Counterfeit goods or currency
33 Counterfeit or replica food products
34 Resale of prepaid cards or gift card/certificates
35 Antiques and arts, Antique reproduction shops
36 Precious metals and rare earth minerals
37 Crude oil, Petroleum and Petroleum Products
38 Sale of brand new or second hand ships and aircrafts (Excluding accessories)
39 Pawn Shops and Salvage Yards
40 Software or products related to trading of financial products and information
41 Virtual Private Network, Virtual Private Server
42 Cash disbursement services from credit funding sources (e.g. credit card cash out)
43 Rebate or cashback services
44 Products or services that process pop-ups or contain, promote, reference or link to any spyware, malware, virus, back-door, drop dead device or other program installation
45 Real estate service
46 Auction sites and services
47 Pawn services
48 Debt collection services
49 Surrogacy services
50 Hacking services
51 Safe deposit services
52 Legal services and attorneys
53 Accounting, auditing and bookkeeping services
54 Consulting services (excluding medical and health consultation,Psychological consultation)
55 Immigration Service
56 Charitable and social service organizations
57 Crowd funding
58 Illegal or unregistered fund-raising activities
59 Court Costs
60 Deposit and Bail Payments (exluding deposit for shared charger, shared umbrellas, Cybercafe, hotels and rental deposit)
61 Civic, social and fraternal associations
62 Political Organizations endangering national security, including promoting terrorist and extremist organizations, subversion of state power, and disseminating state secrets
63 All religious websites, publications or accessories (excluding temple souvenirs, tickets)
64 Items that support pyramid or Ponzi scheme, matrix programs or other “get rich quick” schemes or certain multi-level marketing programs
65 Dating and Chat
66 Live e-commerce with reward function
67 Superstition services (e.g. Feng Shui, fortune-telling or tarot divination services)
68 Game account rental platform
69 Cemetery sale
70 NFT (Non-Fungible Token)
71 Sale of raw materials and equipment for drug production, manufacturing and trafficking of drugs, etc.
72 Fraudulant activities such as click farming, talent agent fraud,false pretenses, etc.
73 Cloud server service
74 Sale of domain name
75 Academic fraud, essay ghostwriting, proxy test taking
76 Cheating programs or software that modify game data for the benefit of players
77 Investment and Financial management
78 Course training that induces users to make investments
79 Financial data services
80 Banking or payment products and services (including all types of loans)
81 Business Registration Service
82 Advertising, trademark design, etc.
83 Online sale of medicines
84 Sale of wine futures
85 Membership fees payable to political parties, association, charitable organization and other organizations out of the approved scope
86 Other goods or services that violate relevant PRC laws and regulations or adversely affect the reputation of Weixin Pay

Subject to the Chinese applicable laws, statute, ordinance, regulations, and the approval of Tenpay, Weixin Pay Cross-border Payment Service is restricted for transactions as listed below:

No. Part B – Restricted Categories (not an exhaustive list)
1 Single-purpose prepaid cards and top-ups (including gift cards and other stored value cards)
2 Government services(e.g. tax payment)
3 Visa service
4 Online Gaming
5 Notary Service
6 Fees payment agency platform

Tenpay is entitled to adjust or update the Weixin Pay Proper Use Rules in case of any change of Chinese applicable laws, statute, ordinance, regulations and the approval of SAFE. Simultaneously, in case of any change about You including but not limited to your business model, your business categories, new goods on sale, new functions regarding your service, the enforcement of any new laws, statute, ordinance, and regulations in your countries or regions, please inform us with a thirty (30) calendar days’ prior written notice to the following email:
[email protected].

Special Note:

For the avoidance of doubt, “You” shall mean Merchant and/or Institution. If you are a Merchant, you shall commit to abide by this Weixin Pay Proper Use Policy; If you are an Institution, you shall commit to require and ensure your sub-merchants to abide by this Weixin Pay Proper Use Policy.

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