In recent years, third-party payment methods such as WeChat and Alipay have become the giants of offline payment. Faced with the big cake of offline payment, since last year, banks have entered the scan code payment. By this year, the number of commercial banks that have joined the scan code payment war has been increasing. Moreover, the channels for bank scan code payment began to expand. From the past, only mobile phone APP payment was transferred to the available WeChat “sweep†payment to enhance the customer experience.
Banks cooperate with third-party platforms
In fact, the commercial bank's scan code payment has gone through a rough road. In March 2014, the central bank issued an urgent document to stop face-to-face payment services such as QR code payment. The reason is that there is a certain risk of payment risk in offline QR code payment. However, existing two-dimensional code payments such as Alipay and WeChat continue to be used.
Until December last year, UnionPay released the "Two-Dimensional Code Payment Standard", which mainly included "China UnionPay QR Code Payment Security Specification" and "China UnionPay QR Code Payment Application Specification". Scanning code payment has "legal identity" and also announced UnionPay and the bank officially joined the battle for the scan code payment.
Prior to this, ICBC, China Construction Bank, Minsheng Bank, Shanghai Pudong Development Bank and other banks have launched their own two-dimensional code payment products. The bank's two-dimensional code payment can realize payment and transfer, and can also complete the scanning and cash withdrawal through the two-dimensional code payment product.
Take the payment products released by a state-owned bank as an example. The bank's payment products are a full range of products that integrate existing online payment, mobile payment, etc., with wallet, QR code, full card payment, cloud flash payment, and freehand. , friend payment, AA collection and other functions. Its two-dimensional code products support two-dimensional code payment, two-dimensional code withdrawal and other functions, support the main sweep, sweep, payment code dynamic updates every minute to ensure user account security.
Although some state-owned banks participated in offline payment early, the market dominated by Alipay and WeChat still made the bank feel that the layout was difficult. The head of a state-owned bank responsible for the scanning code payment market told reporters that the previous bank's scan code payment needs to be realized through the mobile banking APP. Some users consider it difficult to download the client, and it is not very smooth when it is promoted to merchants. Taking into account the user's habits, next, the bank will open a WeChat payment and payment channel to adapt to consumer habits. Last month, CCB and Alipay married, Alipay and CCB Mobile Bank will be interconnected and recognized each other. In the future, the two-way code payment mutual recognition and mutual scanning will be realized, and Alipay will support CCB Mobile Bank APP payment.
With the lessons of the early bank layout, the city commercial banks and credit unions that entered later will not be limited to mobile phone banking apps when they are deploying the QR code payment market. Most of them choose to use the convenient channels such as WeChat. Last month, Quanzhou Bank launched the WeChat acquiring business, opened the business user WeChat payment collection channel, the promotion period rate is free, free of charge, the funds T +1 day account in the Quanzhou bank account, flexible collection methods, support consumer credit card , debit card payment.
Earlier, Nanan Rural Commercial Bank launched the “code-paid†QR code acquiring business, which is a cashier product created by merchants with small-volume, high-frequency collection requirements. Merchants can use POS, scan code guns, APP, fixed receipt QR code, etc., to achieve WeChat, Alipay and other scanning code withdrawal.
Banks are hard to pay by third parties
In order to promote payment under the QR code line, commercial banks have launched a variety of preferential activities. The reporter learned that ICBC has launched a one-yuan payment, a weekend purchase, and a full reduction of multiple amount segments. In addition, there are a number of banks offering discount rates. For example, Quanzhou Bank mentioned above has a free rate during the promotion period. Nanan Rural Commercial Bank also realized a lower fee during the promotion period. The minimum fee is also applicable to zero handling fee.
According to industry insiders, another advantage of bank receipt is that the bank's acquiring business is generally directly in the bank account and does not need to be extracted from the WeChat or Alipay into the bank account. Currently, the withdrawal from the third party is still required. Handling fee.
Although bank QR code payment has various advantages, compared with Alipay and WeChat, the two major payment giants, bank scan code payment is not the preferred choice for customers. Many consumers, despite registering for mobile banking, give up using it because they don't understand or feel troublesome.
The data shows that the number of merchants covered by Alipay has exceeded 1 million, and the number of payment for the QR code under Alipay is more than 10 million. At present, the two-dimensional code payment of Alipay and WeChat has been applied to various scenes such as restaurants, supermarkets, convenience stores, etc., and the scope of use is wider. At the same time, Alipay and WeChat are respectively connected with a number of banks, and only one Alipay or WeChat can be downloaded. To meet the payment needs of different card users in different scenarios, and the bank's two-dimensional code payment is in its infancy.
Bankers said that it is necessary to promote the bank's two-dimensional code payment, I am afraid to burn money to promote, through a certain preferential activities to attract customers to use, after third-party payment agencies do the same. According to industry insiders, it is still difficult for banks to pay for QR-based payment in the third-party payment market. Banks are currently promoting scan code payment. It is very difficult to fight Alipay and WeChat. It can only be through cooperation. Some banks intend to promote the Bank's mobile banking through the previous cooperation.
Banks cooperate with third-party platforms
In fact, the commercial bank's scan code payment has gone through a rough road. In March 2014, the central bank issued an urgent document to stop face-to-face payment services such as QR code payment. The reason is that there is a certain risk of payment risk in offline QR code payment. However, existing two-dimensional code payments such as Alipay and WeChat continue to be used.
Until December last year, UnionPay released the "Two-Dimensional Code Payment Standard", which mainly included "China UnionPay QR Code Payment Security Specification" and "China UnionPay QR Code Payment Application Specification". Scanning code payment has "legal identity" and also announced UnionPay and the bank officially joined the battle for the scan code payment.
Prior to this, ICBC, China Construction Bank, Minsheng Bank, Shanghai Pudong Development Bank and other banks have launched their own two-dimensional code payment products. The bank's two-dimensional code payment can realize payment and transfer, and can also complete the scanning and cash withdrawal through the two-dimensional code payment product.
Take the payment products released by a state-owned bank as an example. The bank's payment products are a full range of products that integrate existing online payment, mobile payment, etc., with wallet, QR code, full card payment, cloud flash payment, and freehand. , friend payment, AA collection and other functions. Its two-dimensional code products support two-dimensional code payment, two-dimensional code withdrawal and other functions, support the main sweep, sweep, payment code dynamic updates every minute to ensure user account security.
Although some state-owned banks participated in offline payment early, the market dominated by Alipay and WeChat still made the bank feel that the layout was difficult. The head of a state-owned bank responsible for the scanning code payment market told reporters that the previous bank's scan code payment needs to be realized through the mobile banking APP. Some users consider it difficult to download the client, and it is not very smooth when it is promoted to merchants. Taking into account the user's habits, next, the bank will open a WeChat payment and payment channel to adapt to consumer habits. Last month, CCB and Alipay married, Alipay and CCB Mobile Bank will be interconnected and recognized each other. In the future, the two-way code payment mutual recognition and mutual scanning will be realized, and Alipay will support CCB Mobile Bank APP payment.
With the lessons of the early bank layout, the city commercial banks and credit unions that entered later will not be limited to mobile phone banking apps when they are deploying the QR code payment market. Most of them choose to use the convenient channels such as WeChat. Last month, Quanzhou Bank launched the WeChat acquiring business, opened the business user WeChat payment collection channel, the promotion period rate is free, free of charge, the funds T +1 day account in the Quanzhou bank account, flexible collection methods, support consumer credit card , debit card payment.
Earlier, Nanan Rural Commercial Bank launched the “code-paid†QR code acquiring business, which is a cashier product created by merchants with small-volume, high-frequency collection requirements. Merchants can use POS, scan code guns, APP, fixed receipt QR code, etc., to achieve WeChat, Alipay and other scanning code withdrawal.
Banks are hard to pay by third parties
In order to promote payment under the QR code line, commercial banks have launched a variety of preferential activities. The reporter learned that ICBC has launched a one-yuan payment, a weekend purchase, and a full reduction of multiple amount segments. In addition, there are a number of banks offering discount rates. For example, Quanzhou Bank mentioned above has a free rate during the promotion period. Nanan Rural Commercial Bank also realized a lower fee during the promotion period. The minimum fee is also applicable to zero handling fee.
According to industry insiders, another advantage of bank receipt is that the bank's acquiring business is generally directly in the bank account and does not need to be extracted from the WeChat or Alipay into the bank account. Currently, the withdrawal from the third party is still required. Handling fee.
Although bank QR code payment has various advantages, compared with Alipay and WeChat, the two major payment giants, bank scan code payment is not the preferred choice for customers. Many consumers, despite registering for mobile banking, give up using it because they don't understand or feel troublesome.
The data shows that the number of merchants covered by Alipay has exceeded 1 million, and the number of payment for the QR code under Alipay is more than 10 million. At present, the two-dimensional code payment of Alipay and WeChat has been applied to various scenes such as restaurants, supermarkets, convenience stores, etc., and the scope of use is wider. At the same time, Alipay and WeChat are respectively connected with a number of banks, and only one Alipay or WeChat can be downloaded. To meet the payment needs of different card users in different scenarios, and the bank's two-dimensional code payment is in its infancy.
Bankers said that it is necessary to promote the bank's two-dimensional code payment, I am afraid to burn money to promote, through a certain preferential activities to attract customers to use, after third-party payment agencies do the same. According to industry insiders, it is still difficult for banks to pay for QR-based payment in the third-party payment market. Banks are currently promoting scan code payment. It is very difficult to fight Alipay and WeChat. It can only be through cooperation. Some banks intend to promote the Bank's mobile banking through the previous cooperation.
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