XPay
XPay's personal visa-free payment system is completely free
XPay is a Java-based personal payment collection system designed around QR-code payments and order tracking. The open-source repository contains the version 2.0 code and supports payment workflows for services such as Alipay, WeChat, QQ Wallet, and UnionPay-style collection methods. Orders can carry identifiers that help match incoming transfers to individual transactions. Its unsigned personal-payment workflow relies on user review and email-based confirmation instead of continuously...