Payment: The focus of "dark war"

"Double 11" net buys the big promotion, the obvious is the test each electricity merchant Enterprise's material stock, the logistics distribution ability, in fact secretly the payment tool competition is also very important. Taobao's Alipay account accounts for more than half of the third party's market share, and is already well ahead of mobile payments. Suning easy to buy its easy Shambi pay treasure late 7 years before the start, but in a few times to promote the role of the electric business is no less than Alipay. Jingdong Mall, which has always been considered "cash on the line" as the center of gravity, has also been completed by the acquisition of a third-party payment company with payment licences. Gome Mall is with the third party to pay the company fast money to reach a strategic partnership.

Why the electric dealer to the third party payment so value, send generation Network analyst Li Chengdong think can use "indispensable" to describe. "At present, many of the larger network sales platform have their own payment system, because the payment tool is the platform of the entire operating system is an important link, if you can effectively operate their own payment system, the entire supply chain will be more smooth." ”

Alipay pressure Big

According to Alipay Statistics, 2011 of November 11, Alipay trading pen number up to 33.69 million, turnover exceeded 5.2 billion yuan. Such a large number of transactions, the Alipay trading system is a huge test.

"Alipay has carried out technical preparation and testing as early as July, and in the recent completion of performance optimization, the system has the ability to support billion-level transactions, Alipay senior architect Ahan to reporters, in response to the" double 11 "This day's pay pressure, Alipay using self-developed distributed computing platform, has been able to the industry's lowest cost, to meet the largest online payment transactions, and through the monitoring system and flexible scheduling system, you can instantly detect any system anomalies and rapid diagnosis.

But consumers after the day cat shopping, their payment channels in addition to Alipay, but also to bind a variety of different bank card fast payment and net silver payment. In order to prevent the bank online payment channel congestion, Alipay is working with workers, farmers, China, construction, exchange, postal Storage Bank, bank and other banks to do communication, many banking systems are specifically for the "double 11" prepared.

"Despite the full preparation, but the pay pressure is still very large, to ease the payment of pressure effective way is to pay treasure balance payment," Alipay technology vice-president Liu Zhenfei said, "We recommend that you pay treasure before 11 11." ”

Yi Bao is burdened.

Just enter the third development year of Suning easy to buy the biggest "dark horse" electricity business, last year online sales reached 5.9 billion yuan. Kill into the electric quotient after three, this year suning easy to buy put words internal examination target has locked 20 billion yuan sales scale, and strive to reach 30 billion yuan. April electric Business War, Suning easy to purchase provoked a Yi Bao charge 100 yuan back to 100 yuan large-scale promotional activities, known as the lowest commodity prices. This time, Suning easy to purchase official website and online "Easy pay recharge coupons" activities.

In the electricity market competition is so fierce, suning easy to buy hundreds of millions of through the price war for market share, but still do not use other Third-party payment tools, can be seen suning easy to buy pay treasure attention.

After Yi Bao license, Su Ning Deputy chairman Weimin once stated: "In the Future, Suning Yi Bao will not only be used as a payment tool, it will set up the Suning membership card, suning Joint credit cards, payment tools Trinity, the integration of the formation of a pay cloud with suning characteristics, to provide customers with one-stop payment experience "This should be easy pay next development route, Suning has the advantage of the line store, to from the Electrical transformation department store, from the line back line, in the process of easy pay will play an important role."

It is understood that suning appliances (002024, shares bar) currently has two third-party payment companies. One is the acquisition of Anhui Huaxia Tong Payment Co., Ltd., the company has received a prepaid card license last year, mainly in Anhui Province to provide some of the prepaid card business, the second is the registered capital of 100 million Yuan Yi Bao.

The blueprint of Beijing-east payment

According to the business registration information, Jingdong Mall has recently completed a third party payment company net Silver Online full acquisition, the formal layout of the third party payment industry.

In fact, the idea of Beijing's desire to get a slice of the payment industry has long been a long-standing one. As early as last year, Jingdong stopped the cooperation with Alipay, and the main reason is attributed to the high cost of Alipay, through this way to reduce operating costs. But the industry has already seen the clue, Alipay is one of the biggest rivals in the company Alibaba's Enterprise, Jingdong this is due to data confidentiality considerations.

Prior to this, jingdong with buyers, merchants and buyers to settle the need through banks and other third-party payment tools, high commission fees, data easily leaked. and the acquisition of net Silver online, Beijing East can be more convenient for the Beijing-east platform and logistics, procurement, third-party merchants, buyers of cash flow between the relief of financial pressure. At the same time, Jing-dong can intervene in the financial field by providing small and medium-sized businesses with small loans.

For the Beijing-east takeover, Meng, an international senior analyst at Analysys, said some internet companies, including electricity dealers, are interested in acquiring other smaller licensed payment companies because their own payment platforms fail to get the cards, both to escape the hidden dangers of data leaks, to control cash flow, and to share a huge third party payment market. , it is more than a stroke.