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Every We Chat user has their own We Chat Payment account.
Users can acquire a balance by linking their We Chat account to their debit card, or by receiving money from other users.
; literally: 'micro-message') is a Chinese multi-purpose messaging, social media and mobile payment app developed by Tencent.
It was first released in 2011, and became one of the world's largest standalone mobile apps in 2018, We Chat had over 889 million monthly active users in 2016.
For non-Chinese users of We Chat Pay, an additional identity verification process of providing a photo of a valid ID as well as oneself is required before certain functions of We Chat Pay become available.
Users who link their credit card can only make payments to vendors, and cannot use this to top up We Chat balance.
After the launch of We Chat payment in 2013, its users reached 400 million the next year, By comparison, Facebook Messenger and Whats App (two other competitive international messaging services better known in the West) had about one billion monthly active users in 2016 but did not offer most of the other services available on We Chat.The feature was launched through a promotion during China Central Television's heavily watched New Year's Gala, where viewers were instructed to shake their phones during the broadcast for a chance to win sponsored cash prizes from red envelopes.The red envelope feature significantly increased the adoption of We Chat Pay.The friends of the user will only be able to see the likes and comments from other users only if they are in a mutual friends group.For example, friends from high school are not able to see the comments and likes from friends from university.