WeChat Real Name Verification: How to Verify WeChat

Matthew Brennan WeChat Tips

Verify Wechat: New rules for online payments in China come into force in 2 days (July 1st 2016). China Central Bank now requires ‘third party payment providers’ (e.g. WeChat and Alipay) to implement real name verification systems for payment services. The legislation has caused much confusion and debate online. Read on to find out: How do these new rules affect WeChat? How do I know if my WeChat account has been ‘real name verified’ or not? Why is this happening?



Before real name verifcation

After real name verifcizzle

How do I know if my WeChat account has been ‘real name verified’ or not?

WeChat considers accounts which have linked a mainland Chinese bank card as being ‘real name verified’. Once a user binds a Chinese bank card to WeChat successfully, the name verification process is complete. Even if the user later unbinds the card, the verification remains valid.


Me > Wallet > Cards

What happens if I DON’T verify WeChat by linking a Chinese bank card?

For WeChat accounts without real name verification features related to WeChat pay (lucky money, P2P transfers) will be affected:

1. Non verified WeChat accounts will have a 1,000RMB limit on the total amount of money they can accumulate through lucky money red envelopes.

2. Money transfers will be limited to 1,000RMB for single payments, payments accumulated over one day and payments accumulated for a month.

3. WeChat will push notifications for the user to encourage them to migrate their balance of cash out to a bank card. When using payment features WeChat will guide users to complete their real name verification.


Above: A friendly reminder from WeChat

In addition WeChat accounts which do not link a bank cards cannot join WeChat groups of over 100. But this limitation has been in place for a considerable time and has nothing to do with the new regulations and everything to do with WeChat providing users with a strong incentive to link their bank cards.


Why is this happening?

The rules affect all third party payment providers in China. The mobile payments market leader Alipay has recently taken the more serious step of asking users to verify their accounts by linking not 1 but 2 bank cards from different banks!



Above: A friendly reminder from Alipay
The Chinese government recognizes that online transactions are increasingly important to the economy. Compared with the traditional banking industry with its countless forms and procedures, mobile payments seem like a wild west. Apps such as Alipay and WeChat are incentivized to make it as easy and frictionless as possible for users to start using their payment services.


WeChat even helps you fill out you bank card number for you with a scan option
During the Chinese New Year Period in February more than 8 billion lucky money red envelope peer to peer transactions took place (see our previous article here). With such a huge number of transactions between so many different people taking place in such a short period of time is no wonder that the Chinese government is getting a little nervous and wanting more regulation. Verfiy WeChat is getting more important.


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