Tencent credit ratings will be available to check directly through QQ and WeChat, according to reports. While Tencent has been using its scoring in its lending businesses, it has not before made the scores available to WeChat and QQ Pay users. Their data sources for scoring are different than Ant and Alibaba in China.

A more developed and widely accepted credit rating system is essential for Tencent. It will aid in building a deeper and wider array of financial products. This will also solve the issue of trust online. One of the key advantages for Chinese consumers of using Alipay over WeChat Pay is Alipay's deep integration of their ‘Sesame Credit’ rating which provides an array of benefits for those with good credit scores.