Xiaodou Open Platform is a payment integration service for merchants that already run their own system. It exposes a server-to-server API to accept Alipay and WeChat Pay, returns signed webhook events for payment status, and settles funds through a licensed payment company into the merchant's own account. Individuals can apply with a Chinese resident ID card and a bank card issued in mainland China.
What it is
Xiaodou Open Platform is the payment API line of XIAODOU. It is built for merchants who already have a selling, delivery or billing system and only need to collect money and receive a reliable payment status. The platform does not host your storefront and does not deliver goods; those stay in your own system.
If you do not have a system yet and want to list digital goods directly, use Xiaodou Market instead. The two product lines share the same underlying payment chain but have different entry points and delivery models.
Who can apply
| Entity type | Materials | API |
|---|---|---|
| Individual | Chinese resident ID card + bank card issued in mainland China | Same API as sole proprietors and companies |
| Sole proprietor | Business license, operator ID, settlement card | Same API |
| Company | Business license, legal representative ID, corporate account | Same API |
Onboarding is reviewed manually; it is not an instant approval. Applications are accepted for merchants in mainland China only. Overseas entities cannot open an account directly.
Payment methods
Alipay and WeChat Pay. Inside Alipay you may choose Huabei or a credit card; inside WeChat Pay you may use a credit card — subject to what the cashier displays. Huabei and credit cards are payment tools inside Alipay or WeChat Pay, not separate channels.
Fees and payout
- A 1.5% platform fee applies only to successful online payments; merchants keep 98.5%; fees start at CNY 0.01.
- Onboarding, activation and integration support are free. There is no setup fee, onboarding fee, activation fee or channel fee.
- Funds are split when the payment succeeds and automatically settled to the bank card bound to your account before noon the next day, including holidays. There is no manual withdrawal button.
- Separately agreed rates, if any, are shown per account on the "Fees" page in the merchant portal.
What you can integrate
- Seven endpoints: create order, re-open payment, query order, close order, create refund, query refund, read settlement accounts and routing (read-only).
- Cashier pages: H5, plus WeChat JSAPI when the buyer opens the cashier inside WeChat.
- Alipay official QR code returned as
qrCodein the order response. - Signed webhook events using
XD-Webhook-v1, with duplicate handling byeventId.
Start with the five-minute quickstart; field-level details are in the API reference.
Epay / Rainbow Pay compatibility
If your system already uses an Epay or Rainbow Pay compatible plugin, switch by filling in three values: the gateway URL, the merchant ID and the merchant key. No code changes are required. The compatible endpoints are submit.php, mapi.php and api.php. Funds still settle through a licensed payment company into your own account. See Epay / Rainbow Pay compatibility for details.
Boundaries
- The platform only collects money and reports payment status. Card delivery, account provisioning and shipping are handled by your own system.
- No sandbox, test application or callback simulator is provided.
- WeChat JSAPI works only inside the WeChat browser; mobile browsers outside WeChat and native merchant apps have no direct invocation form.
- Onboarding is manually reviewed and is not instant.
- This service is for merchants in mainland China; it is not a worldwide offering.
FAQ
Who can apply?
Merchants in mainland China. Individuals can apply with a Chinese resident ID card and a bank card issued in mainland China; no business license is required. Sole proprietors and companies apply with their business license and settlement materials. Overseas entities cannot open an account directly.
Which payment methods are supported?
Alipay and WeChat Pay. Inside Alipay you may choose Huabei or a credit card; inside WeChat Pay you may use a credit card. These are payment tools inside the cashier, not separate channels, and availability is subject to what the cashier displays.
What are the fees?
A 1.5% platform fee applies only to successful online payments; merchants keep 98.5%. Fees start at CNY 0.01. There is no setup fee, onboarding fee, activation fee or channel fee.
When do funds arrive?
Funds are split when the payment succeeds and automatically settled to the bank card bound to your account before noon the next day, including holidays. There is no manual withdrawal button.
Is there a sandbox?
No sandbox, test application or callback simulator is provided. Use the local demo, the go-live checklist and one small real order to verify the integration before switching production traffic.
Can I use it with an Epay or Rainbow Pay plugin?
Yes, if your system already uses an Epay or Rainbow Pay compatible plugin. Fill in the gateway URL, merchant ID and merchant key; no code changes are required. The supported endpoints are submit.php, mapi.php and api.php.