Paid pass can not be reconciled Alipay pipe

Huang Yuan

"Good together scattered, I wish PayPal on the road to serve the user along the way." Yesterday, Shanghai Pay Information Services Limited (hereinafter referred to as "PayPal") publicly announced that the formal termination of Alipay (China) Network Technology Co., Ltd. (Hereinafter referred to as "Alipay") to provide public utility bill channel business; the face of up to five years of "marriage" ruptured, Alipay some reluctantly responded.

Alipay and paid through cooperation since 2009 to jointly provide users in Shanghai, utilities and other public utilities payment services. However, this "marriage" ruptured after five years.

Public information shows that the pay-led by the Shanghai municipal government departments, joint accounting institutions and banking units of public utilities jointly set up in May 2003, but also the country's first batch of third-party payment license of 27 units, its core business Platform EBPP (Electronic Bill Presentment and Payment) is the first and only existing EBGP platform in China. Its shareholders include Shanghai Information Investment Co., Ltd., Shanghai Yiyi Information Technology Co., Ltd., Shanghai Information Industry (Group) Co., Ltd., Shanghai Water Construction Engineering Co., Ltd., Shanghai Yitong International Co., Ltd., Shanghai Post Office, UnionPay Business Co., Ltd., etc.

At present, the bill collection, channel access and transaction scale of the platform are all in the leading position in the country. It provides water, electricity, coal, mobile phones, telephones, broadband, digital television, Personal housing real estate taxes and other basic living expenses of the online inquiry and payment services.

Yesterday, PayPal revealed in its official WeChat Alipay directly initiated (non-user initiated) a large number of high-frequency billing inquiry led to the recent frequent accounting of public utilities bill processing system, pay-through EBPP system channel congestion, server downtime and other issues . However, such incidents continued to occur, affecting the real bill transactions of Paid Link and other channels of cooperation, causing a significant impact on the normal business of Paid Link, and the related rights and interests of Paid Link were severely infringed, and the goodwill suffered Serious loss. To this end, the decision to terminate Alipay channels to provide public utilities bill channel business.

According to the "First Financial Daily" reporter learned from the person concerned through payment, the direct cause of the marriage breakdown is June 7 this year, pay-off occurred server downtime events, and the incident is due to a large number of Alipay direct access to subscribers and paid through Possession of the bill of information data inquiry behavior.

This is only the fuse of a broken marriage. According to the above sources, as early as 2012, Alipay channel directly against the charge platform launched such an inquiry has far exceeded the normal amount.

Yesterday, Alipay official emergency response said that from 2011 onwards, the two sides further take measures to enhance the user's payment experience. Alipay users can set the bill in the Alipay website query time, we will set up according to the user, check whether the bill billing, in order to remind the user to pay the first time. This is why Paidun mentioned "a lot of high-frequency billing inquiries" occurred.

"However, this optimization has been started since 2011. Such a query mode has not started yet, and has not happened recently since 2011. To our knowledge, there has been no explosive growth in public utility billings in Shanghai in the near future. "Alipay also said that Internet will bring higher requirements to the system, which is quite common for Alipay, but it is a challenge for some traditional enterprises.

A third-party payment industry told this reporter that although many banks also provide public service fee withholding service, but the experience is far from paying; Pay-through is like Alipay's basic service provider, the Shanghai area of ​​public utilities to pay Most can only pay port.

Paid through the suspension of cooperation with Alipay, Shanghai Chongming Water Co., Ltd., Shanghai Qingpu Water Co., Ltd., Shanghai Qingpu Gas Management and other institutions affected by the user temporarily unable to use Alipay payment.

Alipay responded that will find ways to fight as soon as possible to solve this part of the user's problems; and said that through cooperation with other partners, Alipay in Shanghai currently utilities utilities payment services are still normally available.

However, PayPass stakeholders said Alipay was told that the channel was closed, did not promptly inform its users, still unilaterally accepted its website from June 7 to June 10 bill transactions, and led to a large number of user complaints; at Knowing this situation, PayPal processed the bill Alipay has accepted, so as to avoid damaging the rights and interests of users.

As of the beginning of this year, the paid-through cards under the Pay-Per-Line have over 16,000 POS machines and 6,000 outlets online, covering major Shanghai merchants. In 2013, more than 5 million cards were sold through Pay-by-Card, which ranks second in the prepaid card market in Shanghai and owns two major functions: offline payment and online payment.

From the beginning of this year, Pay-Link accelerated the addition of offline credit card merchants and planned to cover major shopping districts in Shanghai such as Xujiahui, Wujiaochang and Pudong Lujiazui during the year. As of the end of 2013, the total number of paid platform service has exceeded 650 million, reaching 700 million transactions, the transaction amount exceeded 45 billion yuan.

The insiders told this reporter that in the process of completing paid transactions, PayPal has gradually become "pipelined" Alipay to become a hero behind the scenes, while its own value has been a little diluted, which may be the root of its block Alipay the reason.

In another source close to the transaction between the two parties, the search engine monopoly and traffic concentration in the PC era are different. Mobile Internet traffic is relatively fragmented and there are still too many uncertainties in the multiple entrances. In this trend, PayPal is also laying out its online and offline entry, and pushing the mobile app, who do not want to become the next advantage entrance?