1. The small program account sharing system can realize efficient account sharing
The small program account sharing system, as the name suggests, is to quickly split the transaction funds on the small program platform and settle the accounts to the corresponding account sharing parties. The account-distributing parties mentioned here can be settlers, agents, distributors, delivery staff and so on. The mini program e-commerce platform party can set different profit sharing rules from each account sharing party according to its actual business situation. After the setting is completed, once the transaction order is formed, the system will start to automatically divide the accounts, effectively improving the efficiency of financial accounting.
Self-operated merchants, settled merchants, agents and other account-sharing parties need to create their own settlement accounts. The settlement account information mainly includes bank card number, account name, ID number and so on. In this way, the system will withdraw the commission/balance money to the corresponding bank card after the sub-account party's application for cash withdrawal is approved, and the account will be automatically credited after T+1.
2. The small program account sharing system can effectively avoid the second-clearing problem
I don’t know if everyone understands the second-clearance risk we often talk about. Here is an example. Generally, after the product is sold, the payment is first settled to the merchant through the mini program, and the commission generated is then distributed to the channel party. The transactions generated on the platform generally adopt payment transactions, guaranteed transactions, etc., but this means that the funds of the merchants will be kept in the account of the Mini Program platform for a short period of time, and they need to wait for the user to confirm receipt of the goods before settling the fee with the merchant. At first glance, it seems that there is no problem, but in fact, if the platform party encounters capital turnover difficulties and wants to run away with money, it is a breeze, so the relevant departments must strengthen supervision and strictly investigate platform companies that violate the regulations.
But the small program accounting system can help the platform solve this problem very well. Since the account distribution system of the small program is attached to the core system of the bank or licensed institution, it can ensure that the transaction funds are supervised by the central bank throughout the whole process, and the closed management is carried out to effectively realize the information
3. The small program accounting system can alleviate the tax pressure on the platform
The mini-program platform’s model of collecting money in a unified manner and then settling and withdrawing cash one by one will generate a large amount of money that needs to be transferred to the account of the platform, which will lead to excessive tax pressure on the platform. However, through the small program account distribution system, the funds can be distributed from the source. After the buyer completes the payment action, the funds enter the bank virtual account, and To B has its own customized electronic receipt for business enterprises, which can effectively avoid corporate tax risks.