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docs/WechatTenpayV3/README.md
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| √ | 营销工具：图片上传（营销专用） | 直连商户 & 服务商 | |
| × | <del>营销工具：现金红包</del> | <del>直连商户 & 服务商</del> | 官方未提供 v3 API |
| × | <del>资金应用：企业付款</del> | <del>直连商户</del> | 官方未提供 v3 API |
| × | <del>资金应用：分账</del> | <del>直连商户</del> | 官方未提供 v3 API |
| √ | 资金应用：分账 | 直连商户 & 服务商 | |
| √ | 资金应用：连锁品牌分账 | 服务商 | |
| × | <del>资金应用：服务商分账</del> | <del>服务商</del> | 官方未提供 v3 API |
| √ | 风险合规：商户开户意愿确认 | 服务商 | |
| √ | 风险合规：消费者投诉 2.0 | 直连商户 & 服务商 | |
| × | <del>其他能力：清关上报</del> | <del>直连商户</del> | 官方未提供 v3 API |