The scramble for Third-party payment licences

Commercial newspaper graphic Xu Xian system

The News (reporter Liang) after the first Chongqing enterprises to obtain third-party payment licences, there are 6 enterprises are participating in the third party to pay the license competition. Yesterday, the People's Bank Chongqing Management issued the "2011 Chongqing payment Business Important Progress Bulletin" shows that, in addition to have been approved by the easy to Pay Technology Co., Ltd., add 6 Chongqing Enterprises to the Chongqing Department of Business Administration submitted a payment business license application. Facing more and more enterprises to enter the third party payment field, professional payment platform technology maintenance provider began to lay out the "slice" service market.

Chongqing Enterprises have got the license

Chongqing Yi-Xiangxiang Technology Co., Ltd., the first to receive a pay licence, told reporters that the company had just received the "Payment business license" issued by the central bank at the end of last year, and that the company would aim at all the large platforms and exchanges engaged in online transactions. For the one months after the license to carry out the business, Xiangxiang said, the prophase is mainly to think about how to differentiate the competition problem, is also in the customer talks to cultivate the stage.

Xiangxiang revealed that from the submission of applications to the final approval, easy to pay the company for nearly a year. Because the central bank's audit requirements are strict, in addition to the registered capital requirements, but also to the management team and business have to consider. It is understood that easy to pay Technology Co., Ltd. and Pig network of investors are born technology. Therefore, "easy to pay" only apply for its good internet payment business, not involved in currency exchange, mobile phone payment, prepaid card issue and processing business.

"The future, such as pig network trading platform, Chongqing's factor market will become our key customers." "Xiangxiang said the company will take advantage of the Internet's coverage to step out and expand its business by opening branches in other cities across the country.

6 Chongqing Enterprises Submit applications

Although the central bank currently publishes a total of three batches of 61 companies, Chongqing has only one company on the list, but in the future or 6 Chongqing companies will receive the central bank's payment licence. Reporters yesterday from the People's Bank of Chongqing management department learned that at present, the city has Chongqing City Card, Zhongqing public city, such as a cartoon 6 Chongqing Enterprises, to the People's Bank of Chongqing, the Ministry of Management submitted the "Payment business License" Application, the People's Bank of Chongqing, the Department of Management after the first review of materials, the acceptance of the 6 companies.

Wanqing, deputy director of the Pay and settlement office of Chongqing Municipal Administration of People's bank, said that the next step will continue to promote the 6 companies in the first instance of administrative licensing, the prosperity of third-party payment market, help push Chongqing e-commerce development. The first Chongqing Enterprise obtains the license plate to mark the Chongqing payment service system construction obtains another important achievement, will promote our city electronic Commerce application, impels Chongqing Yangtze River upstream financial center construction and the development to play the huge important role.

Wanqing analysis that, because of the previous industrial structure of our city to traditional manufacturing, services, especially the modern service industry is not well-developed, so that the city's E-commerce and coastal areas there is still a gap. Chongqing Internet companies are generally small scale, not easy to meet the requirements of the central bank, which is the reason Chongqing has no more companies to be shortlisted. However, as the city vigorously develop the notebook manufacturing industry, cloud computing and other IT industry, I believe that soon Chongqing will be like the coastal areas of more local payment enterprises.

Technology provider Share Service market

Due to the huge potential of the third party payment market, several Chongqing enterprises have accelerated into this field. But the central bank's approval threshold is very high, how to speed up the shortlisted process? Some of the technology providers that specialize in providing payment operations begin to lay out this service market. According to Wang Weihuan, chairman of the Arctic Gull software company, who was the first to enter the field, at present, many enterprises doing E-commerce platform want to enter the third party payment areas, these enterprises often have physical mall and E-commerce platform, but also a dedicated network of customer teams, but because not familiar with the construction of payment platform and wind control process management, For example, there are more than 70 professional technical documents, of which more than 20 involve wind control process, which is the "mishap" of the enterprise to obtain the third party payment license. The introduction of professional payment platform solution providers, these problems will be solved.

noun explanation

Third party payment: refers to some and the products in the country and foreign major banks contracted, and has a certain strength and credibility of the protection of third-party independent agencies to provide trading support platform. In the transaction through the third party payment platform, the buyer purchases the goods, uses the third party platform to provide the account to carry on the payment, by the third party informs the seller the payment arrives, carries on the delivery. After inspection of the goods, the buyer may notify the seller of the payment, and the third party will transfer the money to the seller.