Introduction
The direct all-in-one net payment service enables safe and convenient payment after you sign related agreements with CMB (www.cmbchina.com) and online retailers. Compared with the traditional online payment mode, the service is more direct. After purchasing products on CMB's cooperative shopping websites, you can skip the step of visiting the CMB payment page and complete payment on these websites directly. Therefore, the payment procedure and time is simplified and shortened.
Highlights
Direct and convenient paymentIt realizes one-stop online shopping and payment and provides a fresh online shopping experience.
A wide application rangeAll users of the all-in-one card can apply for direct payment through online banking.
Graded limit control and high security It enables you to set varied limits for payment through Online Banking (General and Professional Version) and self-service terminals to better protect your account.
Service procedure
Application
Log in to Private Banking (General Edition)-Enter "Online Payment"-Enter "Direct payment"-Sign a payment agreement with a specific retailer-Sign the Electronic Agreement for All-In-One Net Direct Payment Service-Enter the retailer's login interface and set the payment triggering conditions-Set the payment password-Completion
Consumption payment
Enter the payment password set for the retailer-Confirm the payment-Retailer sends the payment request-Bank confirms the payment request-Payment is made-Payment succeeds-Retailer delivers the goods
Increasing payment limit
Online Private Banking (Professional Edition): Log in to Private Banking (Professional Edition) and enter "Self-Service Payment" to increase the direct payment limit.
ATM: Insert your card into the ATM, enter "Self-Service Payment" and "Online Payment Limit Setting", input the password to increase the direct payment limit.
Partners of direct payment include:
1. E-payment partners:
Alipay Card:Input the registration email and password to log in to the Alipay Card channel. You can apply for direct payment by entering "Pay Immediately", "Alipay Card" and "Online Application" and click "Apply for Direct Payment". Choose the bank, input your ID number and Alipay password to enter the direct payment page. You can set the limit for each payment and each month after entering the bank account number and password.
You can apply for the service on Online Banking (General Edition) without going to a CMB branch.
The bank account is bound with the Alipay account so that you can complete payment by entering the Alipay password only and skip the step of going to Online Banking.
You can promptly transfer money in your Alipay account into the bank account.
The default payment limit is RMB200, satisfying the small-amount payment need and ensuring safety of money.
You can adjust the payment limit on a self-service bank terminal (not ATM) to RMB5,000 at most, or on Online Banking (Professional Edition) to RMB10,000 at most. You can apply for Online Banking (Professional Edition) at a CMB branch.
Tencent QQ E-PaymentFollow the instruction and choose "Bank and Service" to enter the direct payment page. Sign the agreement, enter the bank account number and password, and set the limit for each transaction and each month.
The bank account is bound with a QQ number. You can use it to buy Q coins and Q cards, and extend your monthly service packages. You can set conditions for automatic payment, for example when the Q coin number or Q point is lower than the preset number, the system will deduct a preset amount from the bank account to supplement to Q coins or Q points.
It can be used to extend monthly service packages automatically.
SNDA Bank Card PaymentRegister a SNDA ID, log in and choose "Bank Card Payment". Input your mobile phone number to receive the verification code. Choose CMB and sign the agreement on the direct payment agreement signing page. Fill in information as required, and set the limit for each transaction and each month. After completing these steps, you will receive a notice message from SNDA.
The bank account is bound with the SNDA ID. You only need to input the payment password of the SNDA ID but not the bank account number and withdrawal password. Your money is protected by various means, such as the limit for each payment and monthly payment and mobile phone verification code.
You can add up to 10 SNDA game accounts to the bank account and supplement balance in the game accounts.
YEEPAY: You can bind your YEEPAY account with your bank account and set a payment password.
2. Financial partners:
CMF, Harvest Fund, China AMC, PENGHUA FUND, GUOTAI AMC, BOSERA FUNDS, DACHENG FUND, BAOYING FUND, First-Trust Fund, E Fund, China Universal, VALUE PARTNERS GOLDSTATE FUND, First State Cinda Fund, CITIC-PRUDENTIAL FUND, China Southern Fund
HuaAn Funds, UBS SDIC, Galaxy AMC, Chang Xin Asset Management, Bank of China Investment Management, ABN AMRO TEDA Fund, Zhonghai Fund,
Soochow Asset Management and New Century Fund
Payment limit modification
The direct payment is subject to an initial payment limit. You can adjust the limit within the initial value. You can raise the max payment limit on "Self-Service Payment" or "Online Payment Limit Modification" of a self-service terminal, or on "Self-Service Payment" of CMB Private Banking (Professional Version). The max payment limits are set in the following table:
|
Limit modification channel
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Alipay (daily limit)
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Tencent (monthly limit)
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SNDA (monthly limit)
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Fund companies (daily limit)
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Initial payment limit of the General Edition
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RMB2,000
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RMB100
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RMB500
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RMB200,000
|
|
Payment limit modified at a self-service terminal
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RMB5,000
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RMB200
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RMB1,000
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RMB500,000
|
|
Payment limit modified through Online Banking (Professional Edition)
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RMB10,000
|
RMB500
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RMB2,000
|
RMB2 million
|
Click
here to apply for Direct Payment
Application websites of partners
Alipay, Tencent QQ, SNDA, YEEPAY
CMF, Harvest Fund, China AMC, PENGHUA FUND, GUOTAI AMC, First-Trust Fund, E Fund, China Universal, VALUE PARTNERS GOLDSTATE FUND, First State Cinda Fund
Note:
All the contents stated above are for your reference only. Please consult the local branch of China Merchants Bank for further information. China Merchants Bank reserves the ultimate right of interpretation for the contents in this page.