With the approach of POS machine rate reform on September 6, 2016, for most pos machine agents, the 2016 credit card fee reform in 2016 can only wait passively. Now the traditional POS and hand-brush offline market has Slightly weak. The POS machine is sold as a fast-moving consumer goods for distribution. It is estimated that this situation can occur in our market. The products are unchanged for a long time and there is no new market incentives, but the mobile payment market is in full swing. The following small series analyzes the market trend of Shenzhen POS machine and the prospect of two-dimensional code payment.
In 2015, Alipay used the QR code to impact the offline market for a short period of time. Because Alipay had returned half of the handling fee to the full return policy, it developed a number of channel providers, but later due to complaints / Risk control and other issues will be reclaimed from the channel to a large number of channel providers, which also caused a variety of complaints from the channel dealers to defend their rights, even went to Alipay headquarters shouting slogans to pull banners, all kinds of media also heard the wind, but then The big fish can't turn any waves in the sea, and the ending is no longer. Who makes Alipay's sea and sea deep?
However, we can't just blame people for Alipay. Those channel dealers are going to play the Alipay channel with a full feast. Just packing a product that has no customer experience at all, it is a lot of white players.
The use of the channel cannot be regulated, and the strength of the channel vendors is uneven. Most of the product packaging involves violations. Today, Alipay’s merchant rate is fixed at 0.6%, the channel is strictly controlled, and the risk control of merchant access is particularly strict. Licotu has blocked many companies in the mobile payment market from enthusiasm for business innovation based on Alipay QR code, but Alipay has successfully encroached on the supermarkets in the first and second tier cities in a short period of one and a half years. In the consumer entertainment venues, strategic goals have been reached, and in the short term there may not be good policies to continue to stimulate the expansion of offline markets in third- and fourth-tier cities.
As a business relationship between Tenpay and WeChat, another big mobile payment company, outsiders are looking at the fog, and the two are still half-faced. WeChat as a social platform itself does not pay a license, Tenpay There is also no type and authority for publishing and WeChat payment.
If Tencent's subordinates are TenPay, WeChat pays for business transactions involving business scope, clearing of funds and account recharge and other services are not upright, and it is a hidden issue that people do not complain about. Tencent's next step is to improve WeChat Ecology. It is not known at this time that adjustments will not be made.
In particular, the recent WeChat payment began to force offline merchants, as the first portal application for domestic mobile terminals, and as a social platform, its customer recognition and experience are even better than Alipay in payment transfer, and WeChat also adopted at the beginning. The way of deploying channel providers is intended to quickly cover offline consumption scenarios. The merchant rate is also 0.6% or higher, but the channel fee recovery point is higher than 60%, and the cost rate is lower than 0.3%, but WeChat also encountered The same problem as Alipay, the problem of pervasiveness and false merchants in Erqing institutions and the ineffective implementation of the real-name system of accounts.
Being reported and being headlined by the major media, and catching up with the central bank began to strictly investigate the firepower of the second Qing in the country, so in the last one or two months, WeChat closed the external trading channel on a large scale, directly smashing one The batch of WeChat channel providers, which also makes the new mobile payment products, the so-called cardless payment products, fall into a dilemma in an instant, but fortunately, WeChat payment has shifted its strategy in a short period of time. The central bank does not say that WeChat payment cannot be given no qualification. Is the organization afraid to do the second clearing?
WeChat now starts to cooperate with financial institutions, that is, commercial banks. The interface is provided to the bank. There is no qualification problem for fund transfer and settlement. There are many channels in the middle of this. The bank will continue to expand the business for WeChat payment, and the bank needs to do On the basis of the trading interface of WeChat payment, it is packaged for collection and payment, and even for the capital, and is given to many so-called two-dimensional code-receiving products without card payment products. To achieve low rate second to the function. In addition to the non-card payment itself's easy to spread and no material cost attributes, it is ready to fill in the 2016 fee to temporarily fill the cash in the cash market!
In the face of so many mobile payment methods and various types of accounts, in order to meet the diversified collection needs and store services of regular merchants in all walks of life, the system of intelligent cloud pos has unlimited possibilities, and the natural communication is online and offline. The Internet property has an absolute protagonist. In 2016, major payment companies, manufacturers and even startups have launched smart cloud POS machines. A variety of intelligent POS machines with different functions are emerging one after another. All major companies want to do An intelligent POS machine suitable for all industries, all kinds of payment aggregation all-round collection function, card coupon verification function, business circle function, daily operation data statistics service, financial statement statistics service, small loan and other financial services, etc. .
At present, we can know that the advantages of intelligent POS machines are to help acquirers to explore business operations and transaction data, and to provide merchants with diversified business information and financial services. Obviously, manufacturers who are striving for development have begun to seek in-depth cooperation with institutions that understand the acquiring market. This has become a must, and in turn, for each acquiring institution to reopen the situation, it is also necessary to seek a good hardware manufacturer to create Products that meet market needs are a top priority.
For example, the box, Lakara, fast money, etc. have been tried in the field of intelligent POS machines, but in the past six months, the results are not satisfactory, not to mention the product itself, the channel of choice in terms of operation itself has problems, the original Agents simply do not have the ability to expand the market. Their customers are mainly cash-strapped households. Can they lie down and earn money? Why do they have to pay for the cost of labor to push the sun?
Speaking of the need to say another thing here, each acquiring institution should start to optimize its own channel. How to improve, build and cultivate a professional service provider system is an important issue for the acquiring institution. The way is already unacceptable, because they can no longer bring profits to the acquiring institution and even become cumbersome.
Many hardware manufacturers in the market have begun to participate in the acquiring market, and launched a smart POS machine to enter everyone's sight. To be honest, the core of smart POS is not how tall it is, but how smart it is and how smart it is. The program, there are no relevant industry solutions, such as catering, such as Japanese goods, business super class. Supporting WeChat support Alipay is sweeping anti-sweep and other simple aggregation payments can not be the core of the killer product.
Products that truly focus on merchant services can only have a place in the market, and the solution to make one industry after another is the right thing to do. It is time for the acquiring institutions to consider "what exactly does the merchant need?" instead of "what the cashier needs." As far as the smart POS products themselves are concerned, only real merchants have value, which can bring benefits, and form a platform or even a business ecosystem.
The market boom in the second half of 2016 will officially enter the outbreak period with the fee reform. There are pits everywhere, and the card gods suggest that friends carefully choose, invest carefully, and watch the opportunity to make a big vote.
Summary: Smart POS machine, QR code payment is also good, in the card gods, it is essentially paid. If this market is to develop, it must also be open to the foundation and the conditions for low thresholds. If you apply for a POS machine, you will set the threshold for the conditions. This will result in an increase in the number of credit card users, which will eventually lead to a market stop! Card God said before that credit card and cash is a twin, and there is no way to avoid it. What banks can do is use within a controllable range! Two-dimensional code payment, intelligent POS machine can only drive the development of the merchant market and the so-called frontier ecology, which is not much help for 70% of card users. The payment company only has to position itself and then understand what is based on the fundamentals. In this way, the market can be done well and the users are well maintained.
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