The central bank suddenly broke the news, the POS rate / scan code rate will accelerate the unification! Ma Yun "Mongoed" and UnionPay "cry"!

The central bank issued a document explicitly requiring the non-bank payment institution's network payment service to be transferred from the direct connection mode to the network connection platform, and gave the final time. On June 30, 2018, all network payment services will be processed through the network platform. .

This website believes that with the full commissioning of the network, the POS machine rate, scan code payment rate, etc. have achieved the most important conditions!

There is only one paper policy document in the follow-up, so the shortest period will be completely unified within one year!

"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.

For such a result, a person close to the central bank commented to reporters that "it is expected." The ultimate goal of the central bank is to include the entire payment system under supervision. To a certain extent, the purpose of the central bank has been reached. As for the process of implementation, everything is only a matter of time.

This also means that the liquidation market will eventually be transformed from a UnionPay one to a long position.

Ma Yun once said that defeating me will be a paperwork, or a slogan.

This new regulation will bring great changes to the entire domestic payment system for UnionPay, Alipay, WeChat payment, etc.

1. For UnionPay

On the whole, although it seems to cut off some of the business of UnionPay, it will help to consolidate the position of UnionPay in the bank card acquiring market in the long run.

After all, the biggest pressure of UnionPay at present is the payment code payment of Alipay WeChat, etc. Once it is reclaimed by the network, it is well discussed in the central bank system.

2, for Alipay, WeChat payment

There is no impact in the short term. After all, it is the first priority to push its fast docking network and then ask all banks to cut off the payment channel.

But in the long run, the variables are very large. The future interfaces are all controlled by the network. The formulation of policies and rules is no longer in the hands of Alipay. Therefore, the pressure on Alipay is huge, and WeChat payment will win a certain catch-up period.

The payment company's direct banking era is coming to an end!

POS rate and scan code payment rate are expected to accelerate the unification!

Prior to the Bank Card Industry Development Seminar held by the China Payment and Clearing Association, 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, and the parties have reached a basic consensus.

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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