"As long as 199 yuan to buy a mobile phone card reader, bring a bank card and mobile phone to go out with you, want to check the balance to check, want to give the phone a call for the phone bill, and want to repay the credit card repayment." - This will be people's dreams Mobile payment in China? Of course not, this is the dream of paying manufacturers. Since last year, there have been manufacturers launching similar hardware. Lakala, Le Brush, Qianbaobao, and Box Payment have entered the market. Recently, UnionPay has launched the card payment. And the company announced that it has received tens of millions of dollars in venture capital.
Although everyone's dreams are beautiful, in the face of reality, such a dream soon becomes a tragedy. As an operator, come to August 18th why this tragedy, and how the tragedy was born.
What you see is good, but the problem is that you didn't see more of Square's gunfire in the United States, emerged from the squad of Visa, MasterCard and Paypal. The traditional pos machine suddenly fades, people look Going to the prospect of a mobile phone card reader. As a result, Square-like card readers soon appeared in major technology blogs, with many advantages added, and the future is integrated into one, as if everyone can move to pay for business.
Looking closely at the mobile phone card reader, the magnetic stripe information of the bank card is read on the hardware, and then transmitted to the mobile phone through the audio port, and the installed app is used for networking, which can realize the function similar to the ordinary POS machine. For example, check balances, transfer, credit cards, etc., plus some functions such as lottery, phone bills, etc., typical hardware and software combined with mobile Internet, the high-tech elements are all in, it looks quite similar.
Slow, I want to answer a series of questions. What are the user needs in this process? Who is the cost, how to make a profit, whether there are policy restrictions, how to solve the security? First of all, will the user really carry this card reader out?
The IT man who has a backpack with a backpack has a place to harbor equipment, so what about girls? Can winter be summer? I am taking this thing with me?
Secondly, does this thing really want me to buy it myself?
God, you want me 199 yuan. Then, you received my 199 yuan hardware fee, I am sorry, let me return a credit card and ask me 2 more?
Then, according to the regulations of the central bank, the equipment that contacts the bank card must pass the certification of UnionPay, otherwise it cannot be used for the receipt. Have you passed yet? Besides, the card reader reads the magnetic stripe information, but who can guarantee that you have not used it to copy the card after reading it?
Ok, in fact, the above question is enough to drink a pot, and there are still.
Yes, Square started in the United States, but here are a few special conditions:
1. The United States is more relaxed about financial supervision, and will not let your mother-in-law let you get a license for the card reader;
2, the United States does not require you to pass the UnionPay certification to take the UnionPay channel, which means that there are a lot less torture and competitors, the latter you know;
3, Square card reader is used to collect money, paying is the uncle, how can you let the grandfather bring this thing out?
4. The United States has a huge personal labor market. For example, if you cut a lawn next door to the old man, he will pay for it. Can you bring a child to the doorman?
5, even if you do, you must receive cash, it will not be a credit card, people will live in the credit card world;
6. In addition to personal labor, Square also relied on taxi drivers, and relied on Starbucks to make huge advertisements. There are few large national institutions (non-central enterprises) in China;
7. One reason for the old American credit card is that the loss of the stolen brush is all paid by the bank, and he dares to use the card reader;
8, the old US POS machine rate is too high, so that Square with a 2.75% rate to win a large number of markets, domestic POS machine is normal 1% know?
9, seeing the bank's new card is a chip card, or PBOC3.0, the card reader can not lightly identify the magnetic strip, but also have to read the chip and NFC, this cost is high, the product has to be replaced;
10. Know why domestic small and micro merchants and UnionPay don't look at each other. In addition to the cost, there is also a credit card rate. Isn't cash used? In addition, cash can be tax avoided... tax avoidance...
You must haven’t seen anyone talking about the topic in the tech blog, right? The market and the industry are too impetuous. When it comes to mobile payment, if there is a successful case, it seems that the cost is not high, and the mind is hot. For example, some entrepreneurial teams can only accept the basic knowledge of the industry through the UnionPay certification, and how can they not blindly?
The receipt is not blue ocean or internet finance
Having said that, even if the above factors do not exist at all, I will release the class Square, and anyone will be able to accept the order. What will happen?
What the merchant wants, the rate. Ok, the cruel rate battle has started again. As mentioned above, the rate of the POS machine has been reduced to about 1%. Well, the cost of the card reader is not more than ten dollars. The traditional POS machine needs thousands of pieces. I can't use this cost difference to fight with you. . But you are not just a traditional POS machine in front of you, between the peers? Can you use this card reader more and more? This is really not a hypothesis. It must be like this. There must be people who burn the money to shop in the market, and there will be a "hundred regiment battle."
Rate - cost = revenue. When it comes to income, the receipt of the card is also the acquiring industry, and the acquiring industry is a hard-moving machine with a rate of only 1%, then what is your payment cost?
Very embarrassed, many people think that they are looking for a bank access payment, wrong! As a hardware implementation of the payment clearing function, you must take the channel of UnionPay, which means that the cost of paying for this line is fixed there. This is a market with a lot of money. It is not necessarily low for you to talk about yourself. In short, small companies have no advantage at all.
I really don't want to say how low the difference is, and the low one will make everyone cry together.
Plastic Food Tray,Plastic Catering Trays,Plastic Food Serving Trays,Plastic Container Tray
EVER GREEN(ZHEJIANG)NEW MATERIAL CO., LTD / KUNSHAN GREENPACK CO.,LTD , https://www.changjingpack.com