WeChat Pay Merchant Risk Check

Problem

Before merchant onboarding for WeChat Pay, identity, bank account, license, and store verification often depends on manual checks. This can lead to inconsistent standards, missed risk signals, and repeated data entry. WeChat Pay Merchant Risk Check structures the official WeChat Pay risk, trade, and settlement interfaces into a workflow for pre-onboarding checks and payment operations.

How it works

The skill starts with the PreRisk module before transaction APIs:
- Risk checks: queryMchRisk, queryCertificateRisk, and querySettlementRisk cover ID names and numbers, bank account details, licenses, company names, store addresses, and coordinates.
- Payment flow: JSAPI, Native, and APP orders can be created, then queried, closed, refunded, or reversed using methods such as queryOrder, applyRefund, and reverseOrder.
- Settlement: getBalance, getBillDownloadUrl, and getDailySummary support balance checks, bill downloads, and daily summaries.
- Notifications: parseNotify, verifyNotifySign, and responseSuccess handle callback parsing, signature verification, and success responses.

It requires dual SSL certificates, RSA encryption for sensitive fields, and HMAC-SHA256 signatures. Amounts are in fen, production callbacks must be verified, and fund-related operations should remain idempotent. The skill is an integration reference, not a replacement for internal compliance approval or final risk decisions.