According to the Notice of the People's Bank of China Payment and Settlement Department on the Transfer of Non-Bank Payment Institutions' Network Payment Services from Direct Connected Mode to the Networked Platform, the Bank's account network will be accepted by the payment institution as of June 30, 2018. The payment services are all processed through the network platform.
"The central bank has already issued a dead order to the network. It must complete the access and the technology meets the requirements. Several giants actually support it, but this time is also earlier than expected." A payment industry that does not want to be named The person disclosed to the reporter.
The online connection will bring some benefits to consumers. “The online clearing rate may still have room for decline. The online and offline rates may tend to be unified. It will also be transmitted to consumers and reduce the cost of use. At the same time, small and medium-sized organizations can have more innovations for C-sides. "Quality and convenient service," analyst Wang Pengbo pointed out to reporters.
Up to now, the POS rate reform has been completed for one year and three months!
Over the past year, the advantages and disadvantages of the fee reform have been presented. The "set of code" phenomenon has not yet terminated, especially in the near future.
There are various strict policies of the central bank before, and there is a follow-up by UnionPay, which still can't stop the madness of the code set and code jumping.
As a result of the new rate reform plan, supermarkets, large warehouse stores, utilities, fueling, transportation and transportation ticket merchants have established preferential rates according to the principle of “maintaining overall stability at the rate levelâ€. The preferential period is 2 years. For non-profit medical institutions, educational institutions, social welfare institutions, pensions and charities, the card-issuing service fees and network service fees will be fully reduced. The "set of code" operating space still leaves a hole.
The current status quo is that this channel is getting bigger and bigger. At the same time, because the UnionPay has suspended the punishment method for recovery, it has made some payment companies fearless.
In the face of the current market competition between QR code payment and POS machines, especially in the past year, the scanning code payment is almost crazy. I believe that there will be a lot of practitioners thinking about the future QR code payment and POS machine. The possibility of consistent rates!
How likely is this?
This website believes that this possibility is constantly moving towards reality.
In particular, the current network has officially entered the stage of the payment industry, and the future will basically be the only card organization for online payment.
At the China Payments Clearing Association held the "China Payment and Clearing Industry Operation Report (2015)" Conference and Bank Card Industry Development Seminar, Fan Shuangwen, Deputy Director of the Paying Division of the People's Bank of China, said that the marketization of bank card business pricing is the direction. A basic consensus has been reached.
The bank card processing fee pricing mechanism will be reformed as soon as possible, the industry classification will be abolished, and unified standards will be implemented to fundamentally eliminate the opportunity of the package;
At the same time, it is necessary to unify the charging standards for traditional bank card receipts and emerging online bank card receipts to prevent new arbitrage space.
With the booming mobile Internet and various new technologies, new application scenarios are emerging, which makes online and offline become more and more integrated, and online orders gradually penetrate into the offline.
"To realize the marketization of the pricing mechanism, the marketization of the entire bank card industry will be successfully completed; but how to implement it step by step is a step-by-step implementation or a step-by-step implementation, which will be further studied." Fan Shuangwen said.
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