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Central Bank to rectify "aggregate payment"
Recently, the central bank began to rectify the aggregate payment, the central bank to the acquirer issued a "violation of the" polymerization "service clean up and rectification work notice"
Central Bank to rectify "aggregate payment"
In this case,
Recently, the central bank began to rectify the aggregate payment, the central bank to the acquirer issued a "violation of the" polymerization "service clean up the work of the notice", the original text is as follows:
Non-bank payment institutions:
In this case,
According to the Notice of the People's Bank of China on Uncovering Aggregate Payment Service Cleaning up and Remediation, the following self-examination and rectification requirements for the "Aggregate Payment" business of non-bank payment institutions in our province are required: Non- Institutions and polymerization technology service providers to carry out business cooperation, should strictly abide by the provisions of bank card collection business, and effectively assume the main responsibility for the acquisition, shall not be merchant qualification audit, acceptance of the agreement signed, fund settlement, acquisition of business transaction processing, risk monitoring, Key management and other business outsourcing; shall not allow polymerization technology service providers to large business model network. All units should submit their business cooperation situation, business model, technical scheme and business process and whether to enter the network, etc., to the PBC before February 20. Another Spring Festival is approaching, I wish you all the chickens down, all the best.
As the Internet giants to promote mobile payment, the second tier of third-party payment company is no longer committed to third-party payment to promote their mobile payment applications, and more tend to provide services for businesses, capital and resource strength tend to provide financial services . Aggregate payment is in this context, as a business service providers and the emergence of various payment methods will be integrated in a platform for businesses and consumers to facilitate. Throughout 2016, the aggregate payment has emerged no fewer than 100 brands. However, there are many problems in the aggregate payment, which provides a reason for the supervision of the central bank.
First, there is a big problem with the profit model of aggregated payments. According to the author, most of the aggregation of the way to pay profit, including payment fees, merchant marketing services, social and location services, merchant training, consumer finance, many aggregation payment services are already under control of the user base, with the traditional business Service providers to seek win-win cooperation.
But the current stage of the profitability of the aggregate payment is very limited to pay fees in the 96 fee has been tasteless after the change; merchant services will need to consume a lot of manpower and material resources, but the meager profit, Kulei not pleasing to live; and consumer finance, Consumer credibility is a problem, a short rise of the brand, it is difficult to obtain consumer recognition. In addition more profitable, the biggest risk is the "two clear", that is, the central bank documents focus on the flow of funds.
In mid-2016, the author and a polymerization payment institutions insiders, asked about the issue of profit, the person also bluntly replied, "at present by two clear."
"Erqing" has been the central bank to rectify the ills, the third party payment is now the whole "obedience", the balance deposit, network immediately on line, the third party to pay the Boli era, gave the aggregate payment Development opportunities. Aggregate payment in the payment application, merchants put up a convenient bridge between the collection of a certain "tolls" thing is small, do not send the buckle is the central bank would like to control.
The issuance of this document, be officially fired for the supervision of gunshots for the aggregate payment, the future will be more and more regulatory documents issued, standardized polymerization to pay the market. Aggregation pay profit model is not yet clear, regulatory already gradually strengthened. Perhaps, to overseas, followed by giant overseas expansion is the road to salvation.
In this case,
Recently, the central bank began to rectify the aggregate payment, the central bank to the acquirer issued a "violation of the" polymerization "service clean up the work of the notice", the original text is as follows:
Non-bank payment institutions:
In this case,
According to the Notice of the People's Bank of China on Uncovering Aggregate Payment Service Cleaning up and Remediation, the following self-examination and rectification requirements for the "Aggregate Payment" business of non-bank payment institutions in our province are required: Non- Institutions and polymerization technology service providers to carry out business cooperation, should strictly abide by the provisions of bank card collection business, and effectively assume the main responsibility for the acquisition, shall not be merchant qualification audit, acceptance of the agreement signed, fund settlement, acquisition of business transaction processing, risk monitoring, Key management and other business outsourcing; shall not allow polymerization technology service providers to large business model network. All units should submit their business cooperation situation, business model, technical scheme and business process and whether to enter the network, etc., to the PBC before February 20. Another Spring Festival is approaching, I wish you all the chickens down, all the best.
As the Internet giants to promote mobile payment, the second tier of third-party payment company is no longer committed to third-party payment to promote their mobile payment applications, and more tend to provide services for businesses, capital and resource strength tend to provide financial services . Aggregate payment is in this context, as a business service providers and the emergence of various payment methods will be integrated in a platform for businesses and consumers to facilitate. Throughout 2016, the aggregate payment has emerged no fewer than 100 brands. However, there are many problems in the aggregate payment, which provides a reason for the supervision of the central bank.
First, there is a big problem with the profit model of aggregated payments. According to the author, most of the aggregation of the way to pay profit, including payment fees, merchant marketing services, social and location services, merchant training, consumer finance, many aggregation payment services are already under control of the user base, with the traditional business Service providers to seek win-win cooperation.
But the current stage of the profitability of the aggregate payment is very limited to pay fees in the 96 fee has been tasteless after the change; merchant services will need to consume a lot of manpower and material resources, but the meager profit, Kulei not pleasing to live; and consumer finance, Consumer credibility is a problem, a short rise of the brand, it is difficult to obtain consumer recognition. In addition more profitable, the biggest risk is the "two clear", that is, the central bank documents focus on the flow of funds.
In mid-2016, the author and a polymerization payment institutions insiders, asked about the issue of profit, the person also bluntly replied, "at present by two clear."
"Erqing" has been the central bank to rectify the ills, the third party payment is now the whole "obedience", the balance deposit, network immediately on line, the third party to pay the Boli era, gave the aggregate payment Development opportunities. Aggregate payment in the payment application, merchants put up a convenient bridge between the collection of a certain "tolls" thing is small, do not send the buckle is the central bank would like to control.
The issuance of this document, be officially fired for the supervision of gunshots for the aggregate payment, the future will be more and more regulatory documents issued, standardized polymerization to pay the market. Aggregation pay profit model is not yet clear, regulatory already gradually strengthened. Perhaps, to overseas, followed by giant overseas expansion is the road to salvation.