"Abandoned" by three partners in two weeks

Absrtact: In two weeks by three partners abandoned it times reporter Jun Junhui last week this report paid treasure body in the competition of partners, when, Alipay was the union OK Card abandoned, Jingdong Mall snow hid. This week the situation is becoming clearer, Alipay and E-commerce companies

"Abandoned" by three partners in two weeks

It Times reporter Jun Junhui

Last week, the report of the "pay treasure body in the competition of the partners '", when the Alipay was linked to the "abandon", is the Jingdong Mall "snow hidden." This week the situation tends to be clear, Alipay and e-commerce business relationship more "deteriorated", May 17 Jingdong Mall CEO Liu (Micro bo) confirmed with Alipay cooperation to stop. May 18, Shanghai Farming supermarket announced its release of the "convenience pass" card to stop cooperation with Alipay. Perhaps one day, with Taobao "interdependent" Alipay, will be on many large manufacturers on the website "disappear."

"Convenience pass" and Alipay break up

Accustomed to "good German" convenience store in Shanghai, "farming" supermarket shoppers are aware of a "convenience" prepaid card, users can choose from the convenience of the card to pay treasure recharge, so that the amount of money transferred after the payment can be in support of the more than 400,000 merchants shopping, shopping range and category are beyond the farming category. Prior to this, and Alipay has similar cooperation with the Hundred Group of the joint China OK Card, as well as the mobile national Shenzhou card and Unicom card charger.

May 18, farming supermarket group announced that this month 21st, farming supermarket group and Alipay Cooperation agreement expires, the group will stop the convenience of card online recharge Alipay business, at the same time, the investment of 150 million yuan from the construction of Third-party payment platform ——— "convenient access."

Pay the treasure to be passive to "active"

May 19, the reporter on the Alipay website to see "Compliance with the central Bank regulations Alipay will terminate the convenience of card recharge Service" announcement, the release time is May 19 night 8:14. "In accordance with the provisions of the first chapter Fourth of the Regulation on the management of payment services by non-financial institutions issued by the Central bank, the transfer of monetary funds between payment institutions shall be entrusted to the banking financial institutions and shall not be handled by the payment agencies by depositing monetary funds or entrusting other payment institutions," the bulletin said In accordance with the above provisions, Alipay and the convenience of the card's cooperation in the agreement expires, will not renew the contract. Previously, according to the central bank's above regulations, Alipay has stopped and the joint China OK Card cooperation. ”

This is the typical "Alibaba" logic. May 5, the Joint China OK Card announced and Alipay ceased to cooperate, May 18, farming announced no longer renew, "discerning a see will know, must be hundred and farming offer no longer renew, but pay treasure in order to appear less passive, issued a statement that they abide by the central bank regulations terminated." and was Yahoo bought, but said the acquisition of Yahoo, there is a similar. One industry insider commented. The question is, now the consumption card recharge Alipay still retained in the mobile Shenzhou and Unicom card charger, is it the so-called "payment agencies between the transfer of funds"? If according to this logic, Alipay should take the initiative to stop with Mobile, China Unicom cooperation?

Electric business enterprises want to get their own licences

"In fact, Alipay is a good choice for these prepaid Faika," he said. "The industry analysis, the two kinds of recharge cards are local card species, the consumption range of Shanghai, the radiation part of Jiangsu, Zhejiang and Shanghai region." In these eastern cities, the competition for stored-value cards is fierce, in addition to these two, Wei Kangkrachan, Smatka, Sodisca and other consumer cards, all occupy a considerable market, and through Alipay, expanded the use of the joint-China OK Card and convenient access, "to some extent, they can stimulate the number of card issuers." However, the desire to "third-party payment platforms" has enabled the issuers to opt out of Alipay. The joint China OK says to build "An Bao", farming also want to establish own "third party payment platform".

It is reported that the first batch of Third-party payment licences will be formally issued 23rd this month, the first batch of 32 companies to be announced are likely to obtain licences. Analysts believe that the first batch of licensed companies have already launched a Third-party payment platform, so the licensing, the entire industry will not have much impact. But now the electric business enterprise and pay treasure "break up" self-built platform, very likely in the second round licence application, appear "Fight", "by then, the payment industry may appear a new round of shuffle." ”

Journalist Notes

Need so many third parties to pay?

The so-called "third party payment platform", as the name suggests, should be neutral in the buyer and seller, in a relatively detached position, the purpose is to provide consumers with electronic payment services, if the electric business themselves to build a platform, that also called the third party to pay? The purpose of a third party payment is clear, and it is a lucrative business. But imagine a few years later, the large network operators built a platform, we do not interfere with each other, then the significance of third-party payments exist? How much money can be made? Want to fight for small and medium businesses? Want to extend to the pattern of life consumption? Want to achieve all online transactions? The market is not small, but rivals are also strong. In the end, the current 23 per thousand rate in the industry is probably sky-high.