Recently, the online notices of the People's Bank of China Jinan Branch and Shenzhen Branch on vigorously rectifying the "aggregation payment" have been circulated. In conjunction with the news that the central bank suspected the issuance of the "Notice on the Implementation of the "Regulations on the Clearing and Remediation of Aggregated Payments" on the Eve of the Spring Festival, the rumors that the central bank's inventory rectification "aggregated payment" was finally confirmed.
Aggregate payments, between third-party payments and merchants, are called "four-party aggregate payments," which do not pay licenses and do not liquidate funds. It is a comprehensive payment service that aggregates payment tools such as various third-party payment platforms, cooperative banks, and other service provider interfaces.
In recent years, with the fragmentation of third-party payment development, aggregate payment has emerged. As an emerging payment method, Aggregate Payments has emerged in supermarkets and supermarkets, integrating a variety of payment channels, including Alipay, WeChat payment, Baidu wallet, Jingdong wallet, etc., to bring convenience to merchants and consumers.
Aggregate payments rely on third-party payment agencies to carry out front-end business, and therefore mainly earn revenue in the form of transaction rebates. However, as the acquiring business has become a red sea, the profit margin is becoming increasingly narrow.
In this case, most companies began to use payment as a traffic portal to develop financial services or other value-added services. A small number of enterprises have played the "two clear" edge ball. The so-called "two clears" refers to a mode in which units or individuals that have not obtained the central bank's payment for business licenses actually engage in payment services and fund liquidation with the support of licensed acquirers.
This kind of violation has also attracted the attention of the regulatory authorities. In order to avoid repeating the previous oversight of third-party payment institutions, the central bank issued the "Notice" this time, requiring inventory and rectification to rectify the market.
With the confirmation of the rumors of the central bank's inventory rectification, the entire convergent payment industry needs to explore a better direction.
At present, the industry view generally believes that the future of aggregate payment is to provide derivative value-added services. In addition to trading back commissions as a basic business, many companies have gradually begun to expand value-added services such as intelligent marketing, data services, and financial outsourcing. However, on the whole, these value-added services have high requirements on the quantity and quality of the deposited data. It is obviously difficult for the aggregate payment companies to complete the counterattack in a short period of time with their own efforts.
Under such circumstances, smart POS will become a major boost for the aggregation payment companies to explore and implement value-added services.
In recent years, with the changes in mobile payment and the ever-changing store management needs of merchants, coupled with the promotion of terminals by smart pos vendors, smart POS has become a new favorite of merchants and consumers, active in various cashier scenarios, and therefore smart POS has It has become one of the important sources for collecting and precipitating raw data.
At present, the data that can be collected by the smart POS itself includes device information, operation information, geographical location information, application information, transaction information, network information, and flow information. If the aggregation payment company also provides solutions for the merchants, the POS will also deposit member information, marketing information, and so on.
In addition, the hardware advantages of smart POS can also protect data security. Taking Shanghai Huiyin as an example, its POS terminal, Handheld Q1, is widely recognized in terms of data security and privacy through international and domestic certifications such as MasterCard TQM, PCI PTS4.1, CE, and UnionPay card acceptance terminal certification. .
Therefore, for the payment of aggregates, despite the challenges, this check will also be an important opportunity to force the standardized development of the aggregate payment market and overturn its own curve.
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