Card Bind
Card Bind is a process to record the used card of your customer so that they can select their saved card and finish the payment directly. This process requires your customers to input their below key payment information and then take a SMS verification step.
Card number. The used card number for debit card. If a credit card is used, expiration date and CVV/CVC code are additionally required.
ID card number. The ID card number of customer.
Phone number. The phone number which is saved in the card issuer of customer.
Real name. Customer's full name.
Whenever a card bind action is successful, LianLian generates a specific parameter no_agree, which represents the payment information of the used card. However it can not be used directly as a token to deduct funds. By default, you can use it in Exchange Payment Apply API to replace card_no, acct_name, id_no and bind_mob.
If you wish to use
no_agreeto deduct your customer's funds, consult our support team to get its requirements and restrictions.
Typically, a user identification, which is user_id in request, can only be bound to a natural person. Let's say a user_id has been bound to a person named Bob, it then belongs to Bob and can't be bound to any other person as long as the no_agree is not unbound. Meanwhile, this user_id is still available for other Bob's cards to perform card bind action.
Based on the above features, no_agree can be used to setup a card selection page on your own client side. Your customer will then have the capability to choose their used card and do payments accordingly in their later on payments as long as they have their card bound.
LianLian provide below APIs to help you establishing this feature:
Card Bind Query API
Card Unbind API
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