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Wiring Up Online Payments as an Indie Dev: From Provider Choice to Reconciliation

Updated on 8/29/2026 · SOP

This article is currently available in Chinese only

从零接入支付到睡得着觉，中间隔着这份清单。每一条都来自真实踩坑，按接入顺序排列。
  1. 01你是否愿意当"商户"：直连通道（需要主体资质、对账、开票自己来）vs 托管型（平台代收代付，手续费高但合规省心）。
  2. 02单笔金额与退款频率：低客单 + 高退款场景，优先退款流程顺滑的通道，退款体验差会吃掉口碑。

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Wiring Up Online Payments as an Indie Dev: From Provider Choice to Reconciliation — 7-Day Club