The third anniversary of the third-party payment is the most valuable for the remaining three payment licenses.

This year is the biggest wave of reshuffles faced by the third-party payment industry after five years of supervision. During this period, from the division of the group to the present level, the 28th law has been revealed in the payment industry, and the small-paying companies with poor operations and problems have been Clear out.

Within five years, mobile payment relies on the rapid innovation of mobile Internet and intelligent hardware. Internet payment companies such as Alipay, Tenpay, and Baidu Wallet have started to stand on the mobile side and infiltrate and infiltrate traditional offline orders, while large traditional acquiring companies are In recent years, intelligent mobile cash registers and O2O transformation have also taken place, and the rapid development of payment business will not stop at industry competition and regulatory rectification.

Mobile payment all the way in five years, intelligent pos relay

In the past five years, mobile payment has risen with the help of the scan code and the flash payment. As the functions of mobile devices become more and more perfect, consumers can use only one mobile terminal and integrate mobile phones, computers, wallets and other multi-terminals in the future to complete shopping, financial investment, credit inquiry and consumption staging.

At the same time, the start of the acceptance of the cash register terminal such as the intelligent POS, the merchant demand is no longer a simple cash register, but the service management of the membership management, group purchase, marketing, etc. presented by the systemized user data model.

The payment of the license plate has become a price, and there is no market price.

In 2013, the Internet financial boom came. With the promotion of national policies and market enthusiasm, the development status of the payment industry reached a peak. Many e-commerce Internet companies and large commercial entities began to analyze the feasibility of their own business overlay payment services. The most important bridge of "payment" has entered the field of Internet finance. The issuance of payment licenses reached the peak of nearly 270 institutions by 2014, pushing retail payment services to a revolutionary new era.

Although the issuance of licenses after the central bank was strictly controlled, the market's enthusiasm for payment of licenses has not diminished. As of April 2016, there have been dozens of investment mergers for the purpose of payment license acquisition and payment business development. As a result, the value of the payment license has been rising. The price of a simple Internet payment license has been fired to 300 million, but it is also priceless.

In the tide of mergers and acquisitions, Jingdong’s hundreds of billions of wholly-owned acquisitions of online banking, Ping An’s acquisition of the Leica and Shanghai Jieyin, Wanda Group’s shareholding in fast money, and Xiaomi’s holding of Jiefu Ruitong are numerous, and it can be seen from the card that these payment licenses can be seen. The new shareholders are all interested in the payment licenses in the hands of the acquired party, especially the three licenses of Internet payment, mobile payment, and bank card receipt.

After five years, the value of the license is gradually divided into two categories, chicken legs or chicken ribs.

As is known, the types of business that pay for licenses include bank card receipts, prepaid card hairstyles and acceptances, and network payments (specifically, Internet payments, mobile payments, television payments, and fixed telephone payments).

According to the business operation income, Alipay and Tenpay rely on the Internet payment license to operate the Internet payment business, which is the main revenue business; Yinshang, Fast Money, and Tonglian operate the bank card acquiring business through the bank card acquiring license ( POS card acceptance is a component of its main revenue business. These two business revenues are also the main components of the total transaction volume of the entire payment industry, so in terms of making money, these two licenses are the most profitable in the payment field.

Mobile payment has developed rapidly. Under the line of flash payment and scanning code, mobile phones have become an alternative to bank cards, and mobile payment licenses have become more and more important. On the potential of growth data, mobile payment licenses have the most potential and growth. .

When it comes to the issuance and acceptance of prepaid cards, companies that have obtained licenses nationwide, enterprises that have obtained provincial and municipal licenses must operate in the licensed area. Due to the restrictions of the No. 2 order and prepaid card management methods, the purchase and storage quota of cards are controlled. , restricting the value and convenience of multi-purpose prepaid cards. At the same time, the domestic prepaid card consumption environment has shrunk, revenue and cost have been declining, resulting in many prepaid card institutions having difficulty in obtaining good financial operations. In addition, under the background of the reform of the invoice battalion, the prepaid card will have an entry and the situation will not be mutually exclusive, which will have a major impact on the enterprise.

Since the payment industry has been exposed to problems from multi-purpose prepaid card companies, prepaid card licenses and prepaid card issuance services have become the focus of central bank monitoring. The value of prepaid card issuance and acceptance is not as high as the price of Internet payments and receipts. For enterprises that cannot be healthy, they are faced with the dynamic supervision of the central bank and become hot potato. Recently, Cross-border Tongbao has estimated the total assets of a prepaid card licensee in a province in Shanxi to be less than 40 million, and acquired 51% of its shares with 18 million.

Fixed-line payment With the popularity of mobile phones and the existence of fixed-line ribs, the list of essential items for household appliances has basically been withdrawn. The original intention of the service is to focus on the life payment services such as water, electricity, coal and credit card repayment. It is necessary to install a mobile payment APP in the mobile phone, and this license has basically exited the stage of the scene application.

And TV payment is gradually taking the old road of telephone payment, whether it is the New Year's party or the Spring Festival and the user's payment interaction are eroded by mobile payment, which means that the TV payment has been successful.

Mobile payments and smart receipts are spears, and Internet payments are shields.

Internet payment is the core foundation of Internet finance, and it is also the most important part of future financial development. It can be attacked before having a mobile payment license, and can be defended afterwards; whether it is to carry out remote payment or near-field payment, it can be combined with smart POS through bank card acquiring license. At the cashier terminal, O2O will digitize the user application scenarios to better help merchants to conduct cashier, marketing, and even further extension of consumer finance, POS loans, and credit information.

Therefore, having the three most valuable full licenses of Internet payment, mobile payment, and bank card receipt can make the combination of business and finance possible in the post-licensing era.