Generally speaking, the service providers of payment companies are the so-called top service providers or senior service providers. The service providers of some acquiring outsourcing service organizations are also very high. As long as the merchant business developed by the service provider is of high quality and large volume, especially offline Business will gradually improve the service provider level.
When a merchant applies for a third-party payment interface, the payment company will generally provide a subsidiary service provider or apply for its own company's service provider for customers to use. Only customers with high-quality business are allowed to use the payment company's service provider. If there are too many illegal merchants, they will be charged Penalty or even withdrawal will not affect the use of the institutional account, but it is also the only way for payment companies to use their service providers. Since the payment company has developed a lot of high-quality business under its own service provider, it has been officially recognized by WeChat and Alipay. While improving the service provider level, it also improves the tolerance of other merchants under this service provider, so that some merchants with too many complaints or big data risk control can also use it stably.