Payment and Merchant Practical Tutorial
Last updated: 2025-07-08 18:00:33
Introduction
In the superapp ecosystem, mini programs manage multi-merchant transactions like e-commerce and local services, while mini games handle virtual goods transactions, game currency top-ups, exchanges, and ad revenue. Therefore, the superapp needs a merchant management platform for revenue sharing and settlement, integrated with standardized payment APIs to quickly offer payment services for mini programs and mini games.
When the superapp users initiate payments within mini programs or mini games, they can directly call the superapp's payment API. The payment process is consistent with the superapp's payment experience, preserving the familiar interaction for the superapp users without requiring redirects or additional steps, thus enhancing smoothness. Additionally, we do not store any payment credentials or parse transaction messages, safeguarding transaction security and user data. We guarantee:
Absolute security of funds: The payment process is 100% completed within your system, with us only providing technical integration channels.
Zero infringement on data sovereignty: User payment information is encrypted and directly connected to your backend.
Based on the above, you can implement payment solutions for mini programs (or mini games) within the superapp using the "Superapp payment capabilities and payment API integration solution" below:
Prerequisites
Ensure your superapp meets the following conditions:
The superapp has implemented or integrated a third-party payment channel.
The payment channel supports merchant management.
Merchant management
What is a merchant?
A merchant is an entity that provides goods or services in commercial activities and receives consumer payments through a payment platform. In the context of mini programs or mini games, it refers to the developers or operators of the mini programs or mini games registered in the superapp. Merchants that engage in transactions with the superapp users must have merchant qualifications to offer goods or services. The payment platform handles merchant certification and transaction management. We use a specific payment channel as an example to explain the relationship between mini programs or mini games and merchants provided by the payment channel.
Reference solution: Mini program (or mini game) and payment channel merchant
Assume the super superapp integrates with payment channel A. Developers of mini programs or mini games need to first register a merchant account with payment channel A. When the mini program or mini game within the superapp needs to use superapp's payment capabilities, the developer must enter the merchant ID in the console under Mini program management - Bind merchant account in the console to bind the merchant ID to the mini program or mini game. The merchant ID entered here is the merchant ID registered by the mini program or mini game developer with payment channel A, which must be obtained from payment channel A's merchant system.
Supported merchant management payment platforms
If your superapp does not support payments or the payment channel does not support merchant management, you can refer to the payment platforms below to develop your own merchant management system or integrate with these platforms:
Payment platform | Key features | Applicable regions and scenarios |
Stripe Connect | Supports platforms and connected accounts Dynamic split payments, subscription profit sharing Global coverage (135+ currencies supported) | Digital marketplace, SaaS, multi-merchant e-commerce |
PayPal Commerce Platform | Adaptive payments Chained payments and delayed settlement Supports PayPal, Venmo, credit cards | Cross-border e-commerce, multi-supplier platform |
Adyen for Platforms | Sub-merchant accounts Aggregation of localized payment methods Funds routing rule engine | Multinational enterprises, hybrid online-offline scenarios |
Braintree Marketplace | Deep integration with PayPal ecosystem (supports Venmo split payments) Merchant of record Automated tax calculations (integrated with Avalara) | U.S. domestic market, social e-commerce |
Rapyd Global Payments Platform | Aggregation of local payment methods Wallet accounts Multi-tier split payments (supports platform commission) | Emerging markets (Southeast Asia, Latin America, Africa) |
2C2P Marketplace Solution | Full coverage of local payment methods in Southeast Asia (GrabPay, DANA, etc.) Automatic generation of multi-merchant settlement reports Anti-fraud rules engine | E-commerce and game platforms in Southeast Asia |
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