基本概念
彩虹易支付系统有强大的支付接口扩展能力，首先需要明白以下几个概念
支付方式：
支付方式用于定义发起支付的调用值（在前台开发文档里面显示）与支付方式名称。目前系统自带6种支付方式，它们的名称和调用值分别是支付宝(alipay)、微信支付(wxpay)、QQ钱包(qqpay)、云闪付(bank)、京东支付(jdpay)、PayPal(paypal)
支付插件：
支付插件是对接某个支付平台的具体实现，可以自行开发定制。一个支付插件可以包含多种支付方式，例如《支付宝官方支付》插件只有1种支付方式alipay，《QQ钱包官方支付》插件只有1种支付方式qqpay，《威富通RSA》插件包含5种支付方式alipay、wxpay、qqpay、bank、jdpay
支付通道：
支付通道需要管理员手动添加，每个支付通道都对应1个支付方式和1个支付插件，可以配置支付密钥与单独的费率
添加支付通道
- 在支付通道列表点击添加，分别需要选择支付方式与支付插件，通道模式必须选“平台代收（默认）”，否则无法正常发起支付以及无法给用户正常增加余额！。
- 分成比例是填写的给商户分成比例，如果填写95即为用户支付100元到账商户余额95元，实际支付费率是5%
- 分成比例有2个地方可以配置，其中一个是支付通道信息这里，另外一个是用户组信息那里。分成比例优先级：用户组>支付通道。
- 部分支付插件如果不知道申请地址的，可以查看支付插件列表，上面有对应链接
支付平台推荐
如果你有营业执照（企业、个体），推荐申请以下支付平台：
- 支付宝官方支付，申请地址，需申请电脑网站支付+手机网站支付（如果条件不足可以申请当面付，但是当面付稳定性不如电脑/手机网站支付）。支付插件使用“支付宝官方支付”。
- 微信官方支付，申请地址，同时还需要有服务号或小程序，NATIVE支付=扫码支付，JSAPI支付=公众号支付和小程序支付。扫码支付只能在电脑或手机浏览器支付；H5支付只能在手机浏览器支付；公众号支付和小程序支付均可实现电脑+手机浏览器+微信内浏览器支付。支付插件使用“微信官方支付”。
- QQ钱包官方支付，申请地址，如果申请不了可以在掌易收申请。支付插件使用“QQ钱包官方支付”。
- 掌易收，申请地址，支付插件使用“掌易收聚合支付”
- 哆啦宝，申请地址
- 汇商通盈，申请地址，支付插件使用“银联前置”
- 汇付，申请地址，支付插件使用“adapay聚合支付”
- 汇付斗拱平台，申请地址
- 新生支付，申请地址
- 银盛支付，申请地址
- 首信易支付，申请地址
- 银联商务，申请地址
- 通联支付，申请地址
- 一体支付，申请地址
- 联动优势，申请地址
- 富友支付，申请地址
- 千寻畅付，申请地址
- 付呗聚合支付，申请地址
- 源铭SAAS平台，申请地址
如果你没有营业执照，可申请以下支付平台（有营业执照也可以申请）：
最近需要，找了很久分享出来给有需要的
转载自：支付通道配置 · 彩虹易支付系统操作手册 · 看云 (kancloud.cn)
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