Individual industrial and commercial households or small and micro enterprises need: business license, legal person ID card, legal person settlement account and other materials required by the bank. Banks must have a business license to access the network when handling payment codes, and it is a legal person settlement. The information requirements of all banks are basically the same, subject to the requirements of local bank outlets.

Small and micro businesses without business license: such small and micro businesses can apply for ICBC's electronic payment receipt code, and only need to provide shop photos, front and back photos of ID cards, hand-held ID cards and ICBC debit card numbers to apply, requiring ICBC debit cards to be first-class card accounts.