The gradual landing of network links has forced third-party payments to accelerate market expansion. The data shows that China currently has only 500 million mobile payment users, and the proportion of credit card mobile payment is only 5%. The proportion of mobile payment in total payment is still small. In this case, aggregate payment becomes more and more important for mobile payment companies.
Aggregate payment, also known as "fusion payment", is a kind of UnionPay POS machine similar to the era of card era, and the card transactions of major banks are unified through the card-sweeping tools. The emergence of aggregate payment instruments is equivalent to aggregating multiple payment instruments including WeChat Alipay to form a unified channel. At present, the money collection, Lehui, and Labao are all mainstream participants.
Compared with the “UnionPay POS†and “Lakara†card readers in the era of bank cards, the core advantage of aggregate payment in the mobile payment era is “dataizationâ€. According to incomplete statistics, the number of domestic offline merchants exceeds 70 million, and it is difficult to penetrate quickly by the power of payment companies such as WeChat Alipay. By collecting the user traffic and merchant transaction data in the hands of the aggregate and obtaining the user portrait, the mobile payment scenario will be reduced by half the effort.
In the mobile payment scenario competition, aggregate payment is also very important. At present, the subsidy benefits paid by the payment companies in order to compete for users need to be settled through aggregate payments. Other coverage of the value of the store, such as the industry chain, can only be reached through the scene.
Aggregating payments to collect user data is too easy and has led to regulatory concerns. In the Spring Festival this year, the central bank issued the “Notice on the Implementation of the Regulations on the Cleanup and Remediation of Services for Aggregation of Non-Regulatory Agenciesâ€, which prohibits the liquidation of non-licensed institutions and the acquisition of sensitive user information. The reason is that the aggregation payment tool manages different payment channels as a merchant on the one hand, and also helps the third party payment to expand the coverage of the scene on the one hand.
Therefore, some payment giants choose to establish their own aggregate payment services to support market expansion activities. Recently, China UnionPay announced the joint Agricultural Bank of China, launched the UnionPay aggregation code, and officially entered the scanning code aggregation payment business. However, UnionPay's existing aggregation payment scheme is only applicable to third-party acquirers, bank acquirers and service providers to generate UnionPay standard code aggregation payment schemes, while supporting non-banking standard codes requires various APP institutions to establish whitelist mechanisms and dynamics. Loading the acquirer URL link is currently under discussion. In the future, whether to form an aggregate payment model that each APP is open to all acquirers and service providers needs further observation.
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