Merchant Platform Operation Guide

1. Operation Guide

• You can get your admin account from PayerMax, and your account information could be changed by PayerMax only as well.

• You can create operator accounts by your admin account (or other operators with “Users” function). You will receive an activation email from PayerMax, please make sure that you have activated your account before starting to use.

The top right corner displays the bound merchant number, which can be switched.

1.1 Create Operator Account

You can create your operator accounts by your admin account (or other operators with “Users” function) as follows:

• Enter Settings → Users page.

• Click the Add New User button in the upper right corner of this page.

• Input a valid email address as login name.(Note: Please confirm that the email address is correct. The email address will be used as the member's login account.)

• Choose the functions which will be authorized by the operator.

• Change or Delete Administrator Accounts：Super administrator accounts do not support self-modification of permissions by merchants. To request changes, please contact the PayerMax platform.Operators with administrative privileges can navigate to the Settings → Users page to modify or revoke permissions for standard operator accounts. Deletion is allowed regardless of activation status.Upon deletion, the operator will receive a termination notification email.

2. Multi-currency fund management services

2.1 Top Up

PayerMax supports 2 ways for top-up: top-up directly and settle to top-up.

2.1.1 Top-up directly

Top-up directly is divided into two types: ordinary top-up and local collection account top-up.

• Ordinary Top-up: Provide the merchant with the recharge master account information, and after the merchant has successfully transferred funds and submitted the transfer voucher, the payermax staff will operate the crediting;

• Local Collection Account Top-up：When a merchant chooses the local collection top-up channel, the system will automatically open a local collection top-up account for the merchant during the first top-up, and the system will automatically credit the account for the merchant after a successful transfer.(No additional operation is required in MMC merchant platform)

Operation Path:

• Go to the Account → Top Up page or Account → Currency Amount page of the merchant management platform, and click the Fund Operation → Top Up button in the upper right corner;

• Select the currency you want to top up (supported currencies are as shown on the page);

• Obtain payee account information;

• Completing the offline payment;

• Ordinary top-ups need to be submitted with a transfer voucher, but not if the top-up is made to a local payee account.

• Some companies need to apply in advance for top-ups; top-up details can be generated in advance through requisitions, and the process of reimbursement or application can be carried out.

• Wait for the financial audit;

• Get the recharge result;

2.1.2 Settlement to Disbursement

Go to the Account → Account Information → Fund Operation ，select Settlement to Disbursement ，you can initiate a transfer of the acquiring amount to the disbursement account of either the same merchant or another merchant under the same entity.

Select the transfer merchant as well as the amount and currency

• If all your currencies have enabled the automatic settlement to top-up function or automatic withdrawal to bank card function for acquiring account balances, the settlement to top-up button will be grayed out and cannot be operated.

• If some of your currencies have enabled the automatic settlement to top-up function or automatic withdrawal to bank card function for acquiring account balances, you will not be able to select these currencies when performing settlement to top-up or withdrawal operations.

The Amount Transaction tab currently displays all settlement to top-up transactions.

Status：

• Pending: After the merchant has made a successful offline payment and uploaded the proof of bank transfer on PayerMax merchant platform, the top-up order is being reviewed by our company;

• Success: The audit was approved and the funds have been credited to the merchant's available balance;

• Failure: The top-up fails. You can check the reason for failure on the top-up order details page or contact PayerMax staff for enquiry.

2.2 Transfers

• Go to the Account → Account Information → Fund Operation page, select Transfers button;or go to Account → Transfers page, select Transfers button to enter the transfer process;

• Select the recipient merchant number;

• Confirm the transfer information (outgoing currency/amount, incoming currency/amount);

• Get the transfer result;

Status：

• Pending: After the merchant initiates the transfer, the system carries out the intermediate process of processing. If this process is too long, please contact PayerMax staff to confirm;

• Success: System processing is complete and funds flow successfully between sell/buy currencies;

• Failure: The transfer fails. You can check the reason for the failure on this page or contact PayerMax staff to confirm.

2.3 Withdrawals

2.3.1 Withdrawal Operation

After entering the merchant platform, go to the Account → Account Information → Fund Operation page, click the Withdrawals button, or on the Account → Withdrawals page, click the Create button to enter the withdrawal process.

• You can choose Available Settled Payment Amount OR Available Disbursement Amount to withdraw cash to the merchant bank card.

• At present, cash withdrawals are charged, but no charge for charging and transferring money.

• Currencies supported:

  • USD：Standard withdrawal currency

  • The remaining special currencies are based on the configuration in the contract

When initiating a withdrawal, if you have balances in both the acquiring and issuing accounts and both are available for operation, you will be prompted to choose the account.

• If you choose to withdraw from the acquiring account balance, you can only withdraw in the same currency. If the settlement currency does not support withdrawal, you can convert the currency to recharge the issuing account and then withdraw through currency exchange.

• • If you choose to withdraw from the disbursement account balance, you can initiate withdrawals in different currencies, and the currency exchange will be completed simultaneously. The funds in the designated payment account are usually obtained through settlement to top-up, top up, VA receipts and so on method.

Status：

• Pending: After a merchant submits a withdrawal request, our company reviews the withdrawal order;

• Success: Approved and funds reach the recipient's bank account;

• Failure: The withdrawal transaction fails. You can check the reason for the failure on the withdrawal details page, or contact PayerMax staff to confirm.

2.3.2 Withdrawal Approval

If merchants wish to control and approve fund operations, they can enable the Withdrawal Approval switch on the Settings → Menu Management page.

Enabling the Withdrawal Approval switch will display the Withdrawal Approval tab on the Account Management → Withdrawal page. All withdrawals based on acquiring account balances will require approval from administrators or operators with withdrawal approval permissions before the final withdrawal operation is triggered.

2.4 onversions

• After entering the merchant platform, go to the Account → Account Information → Fund Operation page, click the Conversions button, or on the Account → Conversions page, click the Create button to enter the conversions process.

• Select the currency and amount to sell/buy.

• Confirm the information you have entered for the conversions.

• Get the result of the conversions.

Status：

• Pending: After the merchant initiates the conversion, the system carries out the intermediate process of processing. If this process is too long, please contact PayerMax staff to confirm;

• Success: System processing is complete and funds flow successfully between sell/buy currencies;

• Failure: The conversion fails. You can check the reason for the failure on this page or contact PayerMax staff to confirm.

2.5 Balance Inquiry

Go to the PayerMax Merchant Platform Account → Account information menu to view your current account balance. The amount of each account is displayed in US dollars converted at the PayerMax exchange rate.

Note：

1. The account amount is only used as a reference for viewing the amount and is not used as a basis for settlement;
2. The USD unit amount of non-USD currency accounts is for display purposes only.

2.6 Amount Alerts

Go to Account → Account Information → Fund Operation → Amount Alerts in the merchant platform to configure the balance alert rules. PayerMax will send an email notification when your account balance is less than or equal to the warning value. Regarding the Fund Alert , the alert amount only includes the available balance, and the alert is for each currency account amount, not for the total account balance.

3. Signing Management

3.1 Signing Operation

When PayerMax pushes the corresponding signing information to you, you will receive the message pop-up window in the lower right corner, click Go to sign.

After jumping to the detail page:

• Click Accept and the Fee Table and Service Agreement go into effect.

• 点击 拒绝，客户联系商户负责人对不符合预期的内容进行沟通修改。

3.2 查看签约信息

3.2.1 签约列表

签约列表会展示需要签约的费率表（FeeTable）、签约协议（ServiceAgreement）名称等。请点击列表右侧操作栏 去签署 按钮查看详情并进行在线确认。

3.2.2签约内容详情

签约内容详情可以看到签约概览和对应的费用信息及协议信息。

• 概览

• 费用详细信息

• 协议详细信息

3.3 查看合同信息（结算周期以及已开通支付方式）

进入 设置服务 → 信息管理 ，点击 合同信息 查看详情。

3.4 配置订单回调

进入商户平台 设置服务 → 开发参数 ，设置回调地址。

4. 收单

4.1 订单查询

PayerMax支持三种方式查看订单状态：

• 登录商户平台 收单管理 → 订单查询 页面即可查看订单状态。点击详情后查看订单的详细信息。

• 接收异步回调通知，获取订单状态。

• 通过收款查询接口，获取订单状态。

4.1.1 跨时区查询订单

收单管理 → 订单查询 页面中，订单查询的时间维度依赖的是全局时区，如需跨时区查询订单，更改全局时区即可。 为避免其它查询服务受影响，跨时区订单查询完成后注意切换回原全局时区。

4.2 批量导出订单

进入 收单管理 → 订单查询 页面，填写完筛选项后，点击 导出 按钮，即可将该筛选项下的订单信息导出成汇总表单，便于统计和分析。导出订单时，可自定义所需的时区，订单内所有的时间都会按所选时区进行转换。

5. 退款

5.1 发起退款

PayerMax支持两种退款发起方式：

• 登录商户平台发起退款。 请进入 收单管理 → 订单查询 频道，搜索需要进行退款的交易订单，进入该笔订单的详情页，点击 发起退款 按钮。

注意：

商户平台人工发起退款默认不回调通知，如需要开通，请联系我司对接人员即可。

• 通过退款接口发起退款。

5.2 退款查询

点击详情后可查看详细退款信息。

5.3 退款审批

如图所示可以对退款审批进行驳回/通过操作以及详情查看。

6. 本地收款

6.1 发起收款

• 进入商户平台 本地银行收款 → 账号管理 ，查看已开通本地收款账户列表，点击收款账户。

注意：

账户状态为已激活的账户才能正常收款；账户状态为待激活或者关闭的账户可能收款失败。

• 商户点击 一键复制 ，可将账户信息提供给用户，用作转账“收款方”。“账户昵称”仅用作方便商户区分账户，不用做转账信息。

• 用户完成线下打款；

• PayerMax 接收银行入账提醒，认款入账；

• 商户可通过MMC-本地银行收款-订单管理，查看订单状态：

  • 若风控审核通过，则正常为商户入账；

  • 若风控审核未通过，则需要商户补充风控材料。

6.2 风控材料补充说明

• 若风控审核未通过，商户则需要点击 提交补充材料 按钮补充风控材料；

• 商户根据付款方类型补充风控材料（风控通过无需此步骤），并根据付款方角色为个人或公司选择相应选项；

• 提交补充材料后风控再次审核（直至成功），可通过 本地银行收款 → 订单管理 查看本地收款到账结果；

• 商户平台（MMC）订单管理 中，可查看资金明细（商户实际入账金额= 我方银行到账金额-手续费）；

  • PayerMax将收款结果通过邮件推送给商户设置邮箱；

  • 邮箱设置路径：设置服务 → 通知管理 → 本地收款结果/本地收款补充风控材料。

6.3 收款状态说明

状态	描述
收款成功	本地收款资金已成功入账
失败，已退款	本地收款资金被拒绝入账，PayerMax会将其退回付款方
待补充风控材料	代表该笔资金需要补交材料推进资金入账

7. 付款

7.1 发起付款

目前支持的出款方式：API、单笔付款、批量付款。

• API操作流程见：申请付款；

• 单笔付款操作流程见：商户平台单笔付款；

• 批量付款操作流程见：商户平台批量付款。

7.2 批量导出单笔付款信息

进入付款管理 → 单笔查询 页面，填写完筛选项后，点击 导出 按钮，即可将该筛选项下的订单信息导出成汇总表单，便于统计和分析。 导出订单时，可自定义所需的时区，订单内所有的时间都会按所选时区进行转换。 同时，可以对单笔订单下载付款凭证，在页面选择下载时区进行时间转化。

7.3 查看并导出批次详情

只有通过商户平台发起的付款，才可查看和导出批次详情。 您可通过 付款管理 → 批量查询 页面，搜索并进入所需导出的批次详情页面中，点击 导出 按钮，导出批次信息，并且可以点击 凭证下载 ，下载整个批次的付款凭证。

8. 风控配置

8.1 商户黑名单管理

• 风控可配置黑名单，商户可拉黑用户（C端消费者），禁止其交易：

  • 黑名单概览：该页面主要提供商户可以在平台自定义黑名单拦截功能，并查看订单拦截情况。

• 黑名单配置：支持商户上传或编辑5类拦截信息：用户号、卡号（前6后4）、IP、卡BIN国家、卡BIN。

• 拦截查询：拦截的具体记录，支持按商户订单号、订单状态、国家等进行筛选。

8.2 本地银行收款名单管理

该页面商户上传配置后，需要PayerMax的风控运营进行审核。通过后才会生效。

8.3 商户白名单管理

白名单的配置方式：只能是卡号or 用户号（user ID）

• 收单白名单概览TAB：

• 收单白名单配置TAB：

• 可新增白名单：

9. 争议

9.1 争议查询

进入商户后台，争议管理 → 争议查询，筛选时间，点击 详情 可查看争议详情。

9.2 上传抗辩材料

抗辩材料上传路径：争议管理 → 争议查询 页面，点击 详情 进行材料上传。

• 争议所需上传的材料：（回复资料在争议邮件正文中有清单，通常为以下内容）

  • 用户信息（用户注册信息，如姓名、UID、手机号、邮箱、IP等）；

  • 订单小票（交易内容、数量、支付金额、支付币种、用户姓名等）；

  • 消费信息（用户历史没有发生过争议的充值、消耗的详细流水以及本次的充值、消耗记录）；

  • 发货记录（如有）（物流单等）；

  • 沟通记录（如有）（与用户沟通的记录等）；

  • 其他任何能证明贵司已按时如实提供货物/服务的材料。

根据争议发起的原因，商户需提交的材料有所侧重，具体可见争议邮件正文/商户平台提供的抗辩材料模版。

9.3 拒付预警查询

9.3.1 权限开通

• 管理员：默认开通 拒付预警功能权限；

• 操作员：默认不开通，需要由管理员分配权限后菜单可见。

9.3.2 查询路径

• 登录 MMC 商户后台系统，点击 争议管理 → 拒付预警查询 菜单，当商户未开通拒付预警功能时，进入拒付预警查询将展示初始化页面；

• 商户开通拒付预警功能后，点击 争议管理 → 拒付预警查询 菜单，可查看拒付预警订单:

  • 支持搜索 平台订单号、平台退款单号、预警单号、用户ID，也支持按照退款状态、退款处理方、国家/地区、时间来筛选拒付预警订单;

• 点击平台订单号可查看该笔拒付预警订单原交易订单详情；

• 点击 待我处理退款 按钮快速筛选出待商户处理退款的预警单;

• 筛选拒付预警订单后，点击 导出 可下载相应拒付预警订单明细文件。

10. 结算

10.1 获取结算周期

通过 设置服务 → 信息管理 页面的合同详情可以获取到PayerMax的结算周期。

• 钱包和银行卡两类支付方式类型结算周期保持一致，一般为T+2周的周一；

• 运营商类的支付方式，结算周期一般是T+2月。

若您的结算周期进行了特殊申请，平台会按照特定的结算周期进行结算。后续也会更新结算账期功能，帮助您更好的掌握PayerMax平台的结算情况。

10.2 结算单视图

系统会按照【结算周期×交易国家×结算币种×结算状态】的维度生成若干张结算单，您可以在 结算管理 → 结算单 页面进行查看。页面支持根据交易完成时间/结算时间查询结算概况，查询内容包括该段交易时间内的结算金额统计情况、结算日（账单日）、结算状态等；您可以选择多张结算单，导出结算汇总单和对应的结算明细。

点击结算单详情，还可以查看结算单的具体明细，包括结算金额、汇率、交易数量、以及金额计算构成。

• 若按照金额操作打款提现，则结算视图仅展示结算单TAB；

• 若按照结算单来进行结算转充值或者结算到卡，则结算视图可以提供按结算单打款TAB的入口。

10.3 结算资金查询

结算单生成的同时，资金就入收单账户（收付一体商户，则本币入收单余额，非收付一体商户，则换汇USD后，入收单余额）；资金会按照每一条结算单的金额和币种，分别结算到对应的收单×币种账户，具体的资金变动可以在收支明细页面进行查询，如下图所示：

注意：

筛选项：账户选择收单户、币种选择全部、业务选择结算，即可看到所有结算单入余额的明细

10.4 结算资金操作

商户可以进入 账户管理 → 账户信息 页面，在 收单金额 处查看收单账户中的实际金额（这个金额是基于实时汇率计算的所有币种换汇成美元的一个估计金额，实际金额还是在各个币种账户里），同时可以针对这个收单金额进行结算转代发或提现操作。

10.5 结算单导出

详见结算账单。

11. 对账服务

详见对账文件获取。