Friends in the payment industry know that after the central bank’s reform of the POS billing rate, no card payment and scan code payment are favored by the payment industry, but with the improvement of the central bank policy and the integration of the contemporary market, no card payment While sweeping code payments are booming, the risks are also increasing dramatically! At present, the overall attitude towards the current scanning code market and the future countermeasures are worthy of our understanding; to master. The following is a small series to tell everyone about the overall attitude of the current scanning code payment market and what countermeasures should be mastered in the future!
First of all, the norm is the core topic. From the two giants of WeChat and Alipay, the essential purpose is to develop real acquiring merchants instead of users of card sets; they do not lack trading volume, and they do not like card sets. Trading; and they are not rare for such rate income, pursuing a steady and fast return based on real collection demand; they all have a good sense of social responsibility, and are very disgusted with using it to engage in scam attracting, thus exacerbating some groups. Contradictions between
Secondly, it is anti-MLM marketing, so it has increased the intensity of the so-called three-level distribution! At present, various aspects are under great pressure, and some restrictions will be introduced one after another; a group of service providers have been punished or rectified within a time limit; they are paying close attention to the corresponding risks and are ready to intercept them;
Finally, it is not excluded to exchange data with banks, and increase the impact on the card;
Therefore, I believe that everyone has clearly understood the problems in the scanning code payment industry. Then, any time after the rectification, uninterrupted measures will be unavoidable!
So what type of scan code payment risk is the biggest? Is it most likely to be blocked first? The following is a small series of breaking payment network today to tell you about these three types of scan code payment, the risk is too strong, the most easily blocked!
1. The proportion of real merchants is extremely low;
Second, the card user and transaction amount is too large;
3. Serious violation of official regulations, change of merchant types and transactions;
Fourth, triggering offline group conflicts;
5. The rate is too low, for the purpose of attracting investment rather than development;
After Alipay and WeChat quickly seized the third-party payment market; giant companies such as Meituan, Baidu, Xiaomi, 360, and Jingdong also built or acquired payment companies to build ecological closed loops; numerous payment ports for banks, UnionPay and third-party payment service organizations. The small and medium-sized micro-businesses should be overwhelmed... The development of the industry has driven the demand for mobile payment services for small and medium-sized merchants under the massive line, and the corresponding is the accelerated differentiation of the third-party payment market. Licensed third-party payment companies cannot do the right thing. The full coverage of the market requires institutions like aggregate payments to help open up external channels. Therefore, payment services are presenting another form: aggregate payment. "Aggregate payment platform 'Lichu Business' completed Pre-A round of financing", "Third-party payment agency Lacala business service acquisition of aggregate payment company Shunwei unlimited, created the aggregation payment platform Paymax", "the first large-scale ICBC Also started to deploy aggregate payment and receipt business"
01 Aggregation payment is the trend of the times, but still needs to be standardized
In 2017, the days of third-party payment agencies were not good. The penalties and heavyweight policies from the regulatory agencies have come together, and traditional financial institutions such as UnionPay have also entered strongly. In this context, the innovative payment model, the aggregate payment, has been favored by many industry professionals as a subversive of the payment industry. .
At present, many startup companies have been born in this field in China, and they are constantly favored by the capital side. For example, companies such as 哆啦, Ping++, and Li Chu Broom have already had a certain scale. While aggregate payment startups continue to gain capital favor, traditional third-party payment companies are also rushing to the layout. Lacala Merchants acquired Beijing-based convergent payment company Shunwei Unlimited to create Paymax, an aggregate payment platform.
At the same time, the banking department is also working hard. Recently, the Industrial and Commercial Bank of China announced that from April, ICBC will support the QR code business and carry out aggregate payment and receipt business. Prior to this, in November last year, Industrial Bank launched the mobile mobile scan code payment product “money e payâ€, which can integrate mobile payment methods such as Alipay, WeChat payment, QQ wallet and shopkeeper wallet to the bank and its partner merchants. "The People's Bank of China began to implement the classified management of personal bank accounts, which stimulated the innovation vitality of commercial banks. Internet financial institutions with non-bank payment institution licenses actively increased the scope of cooperation with commercial banks' II and III accounts, and cross-border cooperation. The benign industrial ecology continues to evolve, stimulating more payment products and business model innovations." Insiders of China UnionPay pointed out.
However, at present, the aggregate payment industry is in a stage of extensive development, and there are many mixed industries. In response, the central bank issued two documents (silver payment [2017] No. 14 and Yinfa [2017] No. 45) in the first month of this year to regulate the development of aggregate payment. Various localities have launched rectification of illegal aggregate payment companies, of which 32 aggregate payment companies are on the list.
Regarding the prospect of aggregate payment, the above-mentioned insiders of UnionPay said that since the payment business is carried out, it must have corresponding qualifications and licenses. For unlicensed operating institutions, they should return to their own positions and be good at outsourcing. Therefore, in accordance with the regulations of the central bank, it is necessary not to participate in fund clearing, and at the same time, it is not possible to retain sensitive information of merchants. Only by doing this can we ensure the healthy development of the aggregate payment business, otherwise it will have a great uncertainty impact on this market.
02 Aggregate payment is only an entrance, and integrated financial services are the destination.
According to the positioning of the Central Bank's Circular 45, the Aggregate Payment Service can only provide some outsourcing services for the acquiring service agencies that do not involve fund clearing and customer sensitive information. Therefore, the aggregate payment relied mainly on the “two clear†gray interest income to subsidize each The business model of cost is not sustainable. However, as the infrastructure of the Internet era, the payment industry has always faced a profit problem. In addition to the profit model such as receiving transaction service rebates, it has not yet formed a relatively mature and effective profit space.
In this regard, the above-mentioned insiders of UnionPay believe that “the payment market itself depends on the scale, and the profit on the payment side is very meager. It is very difficult to obtain considerable profits in the short term through the payment terminal. Therefore, as a technical service party, as a system. Developers, in this regard, do need to understand. If you want to do the 'two clear' business in order to obtain huge profits, then it is a violation of the red line of the regulatory body, will be dealt with according to regulatory requirements."
In fact, compared to the development experience of third-party payment, payment is only the entrance, and the integrated financial services provided around the payment are the core of the competition. At present, whether it is a third-party payment such as UnionPay, Bank, WeChat/Alipay, or aggregate payment, the operating entities of the entire payment market are exploring extended financial services with payment as the entrance. In the future, the aggregate payment will be deeply invested and paid as the entrance, and the financial services deposited on the platform will be used for the vertical derivative and internationalization of multi-services such as consumer finance, online loans and advertisements.
03 Aggregation payments will catch up with third-party payments in the future?
In this regard, the above-mentioned insiders of UnionPay said that the current participation in the aggregation payment industry is uneven, and the strength and technical capabilities vary greatly. Although this market has good development prospects, it is now in a surplus state. Under the premise of surplus, it is certain that some enterprises will go out of the game, which enterprises will be eliminated first and then eliminated. Under the brutal competition and the high pressure of supervision, which ones will win in the end, it remains to be seen.
Regarding whether the aggregate payment will exceed the third-party payment, he believes that the status of the aggregate payment is now even worse than the third-party payment, and the competition is fierce because the quantity is really not effectively controlled. There is also a license for third-party payment, which is relatively orderly, but the aggregation payment is disordered. At the same time, the survival of aggregate payment depends on the cooperation with the acquirer, and it can survive on the basis of the acquirer. In other words, the market for aggregate payments depends entirely on the profits that the acquirer gives it.
As to whether it is necessary for a third-party payment institution to acquire an aggregation payment company, he does not think it is necessary. Because some of the technically strong third-party payment agencies themselves have this capability, they do not have to acquire. Even if it is actually acquired, it is only an integral part of a third-party payment institution.
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