Offline payment or into 2015 year payment industry contention Focus

Offline payment or a 2015 year payment industry to compete for the focus.

"Daily economic news" Reporter noted that the previous announced the withdrawal of the offline POS market Alipay, recently in Ningxia, Jiangxi and other land distribution under the line of payment business. At the same time, compared to the previously suspended two-dimensional code payment business, Alipay currently chooses to let businesses sweep the customer's phone on the payment code, thus avoiding the central bank ban.

A number of industry insiders pointed out that Alipay return offline payment market, is expanding its own mobile payment business. At the same time, the offline payment market is related to many areas such as food and clothing, the market cake is huge, will be the future of enterprises "grab" the focus.

It is noteworthy that Alipay's full return to the offline market, has also been interpreted by some in the industry to "UnionPay launched a general offensive."

To this, a Alipay personage analysis pointed out to the reporter, at present, Alipay does the entity to receive a single scene and the traditional bank card is different, is the small change scene. According to industry sources, at present, the two-dimensional code payment standards of the final version of the draft has been reported by the relevant research group for approval, after the passage, but also to submit to the central bank in charge of the deputy governor approval, if passed, two-dimensional code payment standards should be able to formally issued.

Industry jokingly to "UnionPay launched a offensive"

"Daily economic news" reporter noted that as early as March 2012, Alipay announced the investment of 500 million yuan under the heavily-arranged POS business. However, August 2013, for some reason, Alipay stopped all offline pos business.

Prior to December 9, 2014, Alibaba announced the line of nearly 100 brands, about 20,000 stores will participate in the "double 12" activities, on December 12 on the day of payment can be played with Alipay wallet 50 percent, covering restaurants, dessert shops, bakeries, convenience stores, such as a number of daily consumer places, A number of well-known restaurants and large supermarket stores also with the launch of 50 percent activities, which is seen as Alipay announced the formal return to the offline market.

In this connection, China E-commerce Research Center of the Internet Finance Department analyst Chanhaili Analysis, said, "Alipay return offline payment is expanding its own mobile payment business." With the Beijing-east, Tencent, Amazon and other competitors continue to join, Taobao's user market will gradually be divided into food. Therefore, Taobao is sinking channels, so that the focus of business gradually shifted from commodity trading to life services transactions. And life service transactions will inevitably and offline stores generate capital transactions, (therefore) Alipay desperately need to strengthen the mobile payment function. ”

However, it is noteworthy that as a leader in the online payment, Alipay fully enter the line under the POS payment, but also by some in the industry interpreted as to "UnionPay launched a general offensive." An industry analyst points out that, with market openness and policy support, Alipay may even challenge the dominance of China UnionPay's online payment market, "becoming the second ' UnionPay '."

The potential for offline payment is huge

Compared to the previously suspended two-dimensional code payment business, Alipay returned to the offline market to choose the opposite direction of operation, change customers to use mobile phone scan code to pay for businesses to sweep the customer's phone payment code. This would not be a violation of the central bank ban.

A third party payment industry insiders to the "Daily economic news" reporter pointed out that at present, everyone is doing sweeping code payments, the regulatory level did not say anything, this is actually a "tacit" state. The current two-dimensional code payment standards of the final version of the draft has been reported by the relevant research group for approval, after the passage, but also to submit to the central bank in charge of the deputy governor approval, again, the two-dimensional code payment standards should be able to formally issued. However, at present the regulator has some hesitation on its business standards, slowing down the overall progress, concrete landing time is not clear.

The current offline payment, UnionPay occupies a dominant position, but now O2O development hot, Ali, Baidu, Tencent and other giants have begun to layout mobile payment. Compared with the traditional online credit card payment, mobile payment has a convenient and flexible feature. Offline payment market is related to many areas such as food and clothing, the market cake is huge, will be the future of the enterprises to seize the focus. Chanhaili analysis.

The third party payment industry insiders also said that 15 years ago where the credit card is not easy to find, but the development of credit cards pushed POS into the store. The momentum of mobile phone payment is much stronger than that of the big banks issuing credit cards, and the policy can be seen in about 1 years. In the third party organization, the micro-letter scene is very strong, Alipay will have great pressure. Other third party organizations do not have access to online users, it is estimated that the line can only be charged.