Third party payment in hand Apple pay industry said to help increase the amount of receipt – Sohu Te-www.8008205555

The third party payment in Apple Pay said the industry will enhance the amount of acquiring technology – Sohu each reporter Zhu Dandan, in addition to bank UnionPay, for Apple Pay Chinese officially entered the market, some of the third party payment companies also slightly excited". Recently, the "daily economic news" reporter noted, Apple Pay and more than third party payment company cooperation, including payease, YeePay, and payment etc.. According to reports, apple, third party payment companies and banks, UnionPay roles are: payment technology from apple, the third party payment companies to provide business development, UnionPay and the banks to provide payment interface and channel. Some analysts have pointed out that Apple Pay is equivalent to the original embedded recognition system entrance UnionPay has not changed, "the single end acquirers UnionPay + +" structure, if the third party payment companies can not use the Apple Pay to make the payment, payment will be lost Apple Pay users to share. Southwest Securities, said, Apple Pay launched a direct positive third party payment company, for example, NFC can replace part of the payment of the two-dimensional code (mainly the line retail acquiring part), the third party payment companies acquiring single equipment will increase the amount of. Apple currently has no payment license in China Apple Pay formally launched in China, so that a lot of third party payment enterprises "busy" up. According to Apple Pay released the list of co-operation, in the first batch of cooperation, in addition to the Union and a dozen banks, the third party payment platform to pay again and again, YeePay, payease also listed. Pay again and again to Vice President Zeng Yi, in cooperation with the Apple Pay, will rely on its technological advantage, rich market scale advantages and market development ability, provide docking technology and funds settlement services for domestic businesses. By then, all cooperative merchants can repeatedly access Apple Pay technology, to provide better online payment experience for domestic apple users. Payease also said that merchants can provide the SDK plug-in payment through access to ease, Apple Pay payment iOS mobile terminal access to their App function. At the same time, Kara said, from February 22nd onwards, with non POS machine function support Apple Pay transaction; fast money super smart POS, has achieved the payment all open, WeChat will pay, Baidu wallet, purse money fast, UnionPay flash pay "income under the command", by the country’s more than 100 Wanda Plaza extension to the line, including hotels, catering, entertainment, theater and other scenarios. "No POS connection function of the merchant, just a Kara POS+ on the Internet, but also realize Apple Pay payment." Kara responsible person said. Why are the third party payment companies competing with Apple Pay? "For Apple Pay, the policy threshold leads to the inability to obtain the third party payment license, as a mere payment tool, and silver.

第三方支付牵手Apple Pay 业内称有助提升收单量-搜狐科技  ◎每经记者 朱丹丹   除了银行、银联之外,对于Apple Pay正式进入中国市场,一些第三方支付公司也略显“兴奋”。   近日,《每日经济新闻》记者注意到,Apple Pay与多家第三方支付公司进行了合作,包括首信易支付、易宝支付、连连支付等。   据介绍,苹果、第三方支付公司、银联和银行角色分别是:苹果提供支付技术,第三方支付公司提供商户拓展,银联和银行提供支付接口和渠道。   有分析人士指出,Apple Pay相当于在原有银联体系下嵌入识别入口,并未改变后端“发单行+收单机构+银联”结构,倘若第三方支付公司不能使用Apple Pay做支付,就会流失Apple Pay用户的支付分润。   西南证券方面人士表示,Apple Pay的推出直接利好第三方支付公司,比如,NFC推出可以部分替代二维码支付(主要是线下零售收单部分),第三方支付公司单一机具收单量会增加。   苹果目前在华无支付牌照   Apple Pay在华正式上线,让不少第三方支付企业“忙”了起来。根据Apple Pay公布的合作名单,在首批合作合作中,除了银联和十几家银行外,第三方支付平台连连支付、易宝支付、首信易支付也在其列。   连连支付副总裁曾毅介绍,此次与Apple Pay合作,将依托自身丰富的技术优势、市场规模优势以及市场拓展能力,为国内商户提供技术对接及资金清算服务。届时,所有合作商户均可通过连连接入Apple Pay技术,为国内苹果用户提供更好的线上支付体验。   首信易支付也称,商户可通过接入首信易支付提供的SDK插件,将Apple Pay支付功能接入自己的iOS移动端App。   与此同时,拉卡拉表示,从2月22日起,带有非接功能的POS机均支持Apple Pay交易;快钱超智能POS亦称,已经实现了支付全开放,将微信支付、百度钱包、快钱钱包、银联闪付“收入麾下”,通过全国各地的100多座万达广场向线下延伸,涵盖了酒店、餐饮、娱乐、影院等应用场景。   “没有非接功能的POS机的商户,只需 一台拉卡拉互联网POS+,也可实现Apple Pay支付。”拉卡拉相关负责人表示。   为何第三方支付公司竞相与Apple Pay合作?   “对Apple Pay而言,政策门槛导致其无法获得第三方支付牌照,作为单纯支付工具,与银联合作是利用其牌照和资源优势快速打入市场。”中泰证券方面指出。   曾毅日前也表示,苹果公司目前在中国没有支付牌照,需要有收单资质的第三方支付来完成与商户的签约、结算,充当PSP(Payment Service Provider)的角色。   一位分析人士亦进一步向《每日经济新闻》记者指出,银联的合作模式是,Apple Pay刷卡支付,支付完通过收单通道到达银联,银联做清算,将费用给到发卡行。作为收单通道的第三方支付公司都是和银联合作的,若其不能使用Apple Pay做支付,在一定程度上就会流失Apple Pay用户的支付分润。   推进支付无卡化进程   值得注意的是,从支付场景上来说,如果大量第三方支付在线下支持Apple Pay,POS的收单量势必会增加。   对此,西南证券方面人士分析指出,第三方支付公司2014年后新装的POS机基本都支持闪付功能,Apple Pay的推出直接利好第三方支付公司。并认为NFC的推出提升第三方支付公司的收单量主要基于两方面的逻辑:一方面,第三方支付公司现有大部分硬件不需要升级即可支持“闪付”,进而不需要被动更新设备支持二维码支付进而增加成本;另一方面,NFC推出可以部分替代二维码支付(主要是线下零售收单部分),第三方支付公司单一机具收单量会增加。   微智全景公司CEO李岩则向《每日经济新闻》记者表示,大量第三方支付公司使用Apple Pay,会大大推进支付无卡化的进程,以卡为账户载体,加密安全保障的时代即将结束;以有更高运算能力和更好通讯和安全保障的手机或传达设备取代卡将是未来线下支付的主流形态,卡很快会仅作为一个概念存在。   不过,有业内人士坦言,现在貌似很多人都还把苹果支付当作一个线上支付工具,其实重心不在这里,而应该是在线下。   中国电子商务研究中心互联网金融部助理分析师陈莉在接受《每日经济新闻》记者采访时也表示,线上市场已经饱和,Apple Pay很难再从两大巨头那里抢到更多的甜头。但从移动支付的不同交易方式来看,阿里、腾讯占据的市场主要以线上为主,线下就会成为Apple Pay的一个突破口。   李岩亦分析指出,Apple Pay是同时支持线上和线下的,而其优势领域更多是在线下。其线下使用的用户体验和安全性都远远优于微信和支付宝,但线上使用时微信和支付宝有更强的交易场景优势,直接将用户的支付导入自己的服务中,因此苹果在这方面存在劣势。相关的主题文章: