The Department of Electrical quotient in the payment sector

The combination of micro-credit and E-commerce scared the pay world, so that Ali Jingdong two tried to jointly ban the micro-letter.

However, a few months later, the micro-letter on the Xun, but after the collapse.

However, in the author's opinion, the construction of the micro-letter to the electric business has actually begun, the micro-letter of the official third party and the private third party based on the micro-letter payment interface has erupted a small range of privileged war.

and listen to my analysis:

1. All the rumors are true.

At the end of 2013, the Internet began to circulate a "micro-letter Mall Cooperative Business Recruitment Notice", which said that the micro-letter shop system began to recruit businesses, recruitment targets include integrated business mall, vertical operators and brand merchants.

The rumor also said that micro-letter payment to pay a deposit of 50,000 yuan, while the general business use of micro-letter payment to pay 0.6% of the handling fee, virtual goods business (music, books, video) and jewelry merchants to pay 2% of the handling fee.

Soon, Tencent officially denied the existence of the concept of "micro-faith Mall". At this time, the penguin June and not kind of smile, Tencent denied the micro-faith mall concept, does not mean that this "notice" is false.

For this rumor, Tencent has a number of familiar details to confirm that the information in this rule is basically correct, but the payment of micro-letter fees should also be based on business attributes, scale more specific division.

2. What is the micro-trust mall?

People familiar with the insider said that the concept of micro-faith mall is not officially called, it refers to the access to micro-letter payment, to do the business of the public account, in fact, call micro-letter shop more appropriate.

Whatever the final title is, it is important that this concept is the micro-letter official is also the Guangzhou Research and Development Department to promote, this and micro-shopping, micro-Credit Bank card page under the Xun Mall, and so completely different, because this is the micro-letter development of the power of the embodiment of the will, this is the real micro-trust

Moreover, the micro-faith mall is not so much a kind of specific existence, rather than a set of rules, defined what is the micro-trust electric business public number. In accordance with the rules, in line with the definition of the micro-trust business public number, the Institute will give a series of technical interfaces and support, and those who do not conform to the rules are considered to be non-electric business public numbers and may not be supported by the crown.

The emergence of the concept of micro-trust, can be seen as a broad research in the public account platform into a platform for the electricity business, recruit businesses one by one, this natural to Ali Jing-dong has a certain impact.

However, the founder of the pocket of White crow that: in the short term based on the public number of micro-trust is not far from the impact of the Beijing East Ali, because the business based on the gap is huge.

And for the micro-credit operators of the flow problem, well-known micro-letter researcher Yupeng that micro-trust in the development of a certain progress, it will give similar "game center" such as access support, traffic problem is not very big.

3. The payment interface is the key.

So what are the key factors that determine the development of micro-trust? The answer is the micro-credit payment interface.

Why, or because of Arigindon. These two blocked the micro-letter, directly led to micro-trust to lose the key to the payment link, merchants of goods, logistics can be shared between the platform, micro-letter account can also be transformed or even unchanged, but there is no financial flow, the entire micro-trust electric business How to play really no idea.

Therefore, in the last quarter of 2013, the development of micro-credit operators was actually stalled.

But even in this case, the micro-letter still dare not put the threshold of payment interface is very low, using Tencent insiders words is: "The payment interface is still cautious open." ”

4. Micro-credit Third party service provider.

Micro-trust business audit Strict, on the merchant put forward high requirements.

For some enterprises, such as millet, it can develop their own micro-letter stores and pay the letter, or even with the joint launch of the Canton Institute sales activities.

But for most businesses, it does not have the ability to develop and apply for payment interfaces. This time, the need for micro-letter Third-party service providers to appear.

Need to explain is, the service provider not only includes the pocket pass, the Micro Union and so on team, also includes the micro shopping, Gao Peng and so on Tencent internal team. These third parties have played two roles in the development of micro-credit dealers:

(1) Shop build. The so-called micro-trust, is a public number, can play on each public number of tricks, to see how the Third-party service providers for the merchant to make what account.

(2) Micro-letter Payment Interface guides. As mentioned above, the micro-credit payment interface is difficult to apply, this time requires a Third-party package busy. such as the pocket Pass is said, the merchant through the pocket pass to submit the application information, can be in the micro-letter authentication, payment application two links to obtain fast authentication, quick audit privileges.

To build a micro-trust, Third-party service providers are not open to the link, but the current can help businesses to obtain payment interface of Third-party service providers are actually a handful.

5. The path of the rebirth of the pocket-pass.

In the construction of the micro-trust, this team of pocket-pass is very interesting.

Pocket Pass first appeared in People's Eyes in March 2013, as the first to obtain a micro-mail customization menu of Third-party service providers. At that time, Ali has not blocked micro-letter, there are a large number of such as Pocket Pass, micro-letter shop such as micro-trust service providers, its play is to help Taobao merchants in micro-letter to build shops.

In fact, the pocket pass, micro-letter shopping to do is to help Taobao merchants to the micro-letter transfer, which also indirectly pushed the Ali Ban micro-letter.

Today, the micro-mail claiming to be Tencent investment has already disappeared, and its page has not been updated for several months, but the pocket pass but by virtue of micro-letter payment is again active in the field of micro-trust business development.

People familiar with the insider revealed that the pocket pass has been a fairly recognized third party team, including the original custom menu and the current micro-letter payment interface, the first time to give the pocket pass.

Even people with a micro-credit team say that pocket-pass can be said to have been fostered by micro-letters.

It is to be noted that the pocket-pass founder of White Jay refused to comment on the above rumors.

6. Tencent Electric quotient three brothers

Of course, the development of micro-trust not only entrepreneurs do, Tencent internal team will do, at present, Tencent under the three teams: Micro shopping, micro-life and high friends are involved in the development of micro-trust, and mutual competition.

Micro Shopping is a very interesting team, even described as the "mysterious organization", its initial play is to build on the micro-letter platform "micro-shopping", foreign recruitment business, but this play proved very unreliable.

Today, micro-shopping also began to do micro-letter shop development, the main push page. At the same time, heard that it is working with micro-life a "micro-shop" O2O project, it is said that the micro-shop will also log on to mobile QQ.

Tencent's other one in the micro-letter shop development team is including high friends of the mobile Life of the Department of Commerce, the Department of Micro-shopping to do the concept, but also in the recruitment of businesses to do micro-letter development.

7. Who did the micro-trust support in the little war?

Well, we understand all about the micro-trust, so for the article at the beginning of the description: "Micro-trust is around the payment interface of the privileged war, and the war between the two sides are micro-letter of the official third party and private third party", we understand what the meaning.

The privileged war means that only the official team of Tencent, and some of the micro-trust team can get the payment interface, and only the third party with the payment interface can do the micro-credit public number.

And the third war refers to Tencent's official third-party such as high friends, micro shopping, and private third party such as pocket-pass war.

So, in this privileged war, who does the micro-trust support? The official will not say anything, but the Penguin quotes an unofficial but very knowledgeable classmate:

"The core of the micro-trust is that it will be killed by Tencent insiders," he said. You go to see the product of micro-shopping, playing the official name every day, but even the micro-credit payment interface do not do well. ”