Alipay push bar code payment POS machine to pay for a strong enemy
Time is not waiting for people, and this sentence is suitable for use everywhere, especially in the mobile phone payment market. When everyone is still waiting for the NFC quarrel results, the online payment giant crocodile Alipay is not satisfied with the original field, launched a bar code payment product, officially “cross-border†into the offline market, causing concern from all walks of life, insiders It is believed that the POS machine market will be greatly challenged.
According to reports, the Alipay barcode payment scheme is to realize the collection by scanning the barcode on the payer's mobile phone, and the payer can pay the password free of charge below 200 yuan. Merchants need only one smart machine to complete the collection, and neither side uses any hardware modification and upgrade.
Through the upgrade, Alipay's original 10 million mobile client users can be upgraded to bar code payment users to achieve online shopping and offline shopping.
Previously, offline merchants usually used the cash register solution of the new POS machine. The threshold and rate are higher, which is more suitable for large and medium-sized merchants. “Small merchants can’t apply, and big merchants can’t afford the rate. UnionPay data shows that the national pos machine installed capacity of about 1.67 million units, it is obvious that more small businesses have demand but no opportunity, which leaves a huge space for other cash register programs.
“We expect that there will be tens of millions of micro-businesses who need this new low-cost payment,†said Zhu Jiajia, general manager of Alipay Wireless. In order to support the development of Weishang, Alipay will also provide bar code scanners and monthly. The payment amount of 20000 yuan is calculated by more than 5 parts per thousand.
But the prospect of bar code payment is not necessarily a smooth road. A third-party payment industry source pointed out that the well-operated large and medium-sized offline merchant market has been occupied by UnionPay and major acquirers, while other merchants either have low transaction volume or do not need electronic billing services. "It is unrealistic to let the vendors register to register an Alipay account. Moreover, whether the user can really spread quickly is also a big problem." He believes that Alipay, which has advantages on the Internet, may not be playing under the more complicated line.
However, more people think that this will cause shock to the offline market, and for micro-merchants is only a marketing strategy of Alipay, and the future will definitely compete with POS machines.
Industry insiders pointed out that bar code payment actually relies on online payment and is grafted onto the mobile phone, so the transaction cost is lower and the portability is better. It is more environmentally friendly than laying POS machines. In terms of rates, the Alipay rate is lower than the current POS machine's 1%-3% fee. “Taking online payment and offline payment competition, the cost difference is too big, and it is unfair to the POS machine.â€
In fact, the POS market is greatly affected by the influx of online payment giants with a daily transaction volume of 2.5 billion.
According to an industry source, “in terms of cost, the cost of payment based on specific hardware is difficult to reduce. From this point, the innate advantage of online payment solutions has begun to emerge.â€
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