Who Is The Most Handsome Under The Four Big Mobile Payment Giants?

WeChat payment and online payment field "stir up trouble", recently, WeChat payment officially launched the "swipe card" function, DQ, Tianhong, good neighbors, bee lotus lotus and other businesses support. When Apple's Apple Pay brought speculation and worry to the end, did WeChat make the banks and Alipay restless?

　 　 WeChat Pay: "hide the deepest"

First of all, look at WeChat payment. Don't be confused by the word "swiping card". In essence, this payment method does not require credit card. Compared with WeChat's front line payment method, consumers scan the two-dimensional code provided by merchants, and enter the payment. This time, they just changed their posture: Merchants scan the two-dimensional code or bar code in the consumer's mobile phone to achieve the receipt. (in fact, this function Alipay wallet has already been realized, the scene is basically the same).

Where does this pose look? No need to pay a bank card or a signature. Forget it. Three other mobile payments can be done. WeChat Shuai Shuai does not need to lose the password, of course, the premise is that the amount of consumption is below 300 yuan, there are 10 times a day.

Where is the slot of this posture? Besides the deep hidden function and long payment process, it is more difficult to dock with the merchant POS system. After reading the precedent of the Alipay wallet, you will probably understand.

　　 Apple Pay: charging banks

Let's take a look at Apple's Apple Pay, which is called "don't blink! You may miss it in a blink!" how fast is the apple? The cell phone is near the POS induction area (no need to open any App). IPhone pops the bound bank card to hold down the HOME key to make the payment successful. This process is obviously cool and cool than a WeChat level.

Apple Pay also has a very convenient place to collect fees from merchants instead of charging commissions to banks. Foreign media reported that Apple has reached an agreement with banks and credit card companies that if consumers use mobile payment services Apple Pay to pay, Apple will extract 15 cents from each 100 dollar transaction.

Apple also confirmed in the official website's FAQ that Apple Pay will not charge users, businesses or developers.

To say embarrassment, the predictably predictably Apple Pay should be an outsider (especially in the financial field) who can successfully settle down in China and get the apple of VISA and MasterCard.

In addition, while Apple is still in the womb, several major operators in China have joined hands with mobile phone manufacturers to NFC, but it seems that the thunder and rain are small. The result is that users do not use NFC phones as NFC, or NFC phones can not find the places to be used. The transformation of offline POS is too slow, and the real popularity is still early.

　　 Alipay Wallet: get up early and walk slowly.

As mentioned above, Alipay wallet is the predecessor of WeChat payment in terms of scan code payment, but the specific penetration rate is still a mystery.

In addition to the two kinds of scan code payment that is similar to WeChat payment, Alipay wallet is worth sonic's payment. Consumers choose to "pay in person" and then move the cell phone closer to the POS sensor area of the merchant. After a "whiff" sound, the cell phone will prompt the consumer to enter the payment password and then pay successfully.

Can such a fast and cool experience really happen online? It's hard. According to the billion power network, Alipay wallet and WeChat payment are similar, have adopted the interface to allow merchants to take the initiative to access. The POS system configured by offline merchants is vastly different: someone using Hai Ding, some people using rising stars, it is difficult for Alipay to have a unified integration plan, so the system docking is not necessarily smooth.

Earlier, there were Alipay merchants who use Alipay wallet to pay offline merchants to the billion state power network. They said: "Alipay's offline payment is still at the kindergarten level. It repeatedly charges, deduces many cards, and deduces POS machines successfully. Alipay fails to deduct money, Alipay withholds money successfully, and the situation of repeated failures occurs repeatedly." We can see that the complaint is deep. Therefore, Alipay wallet and WeChat have a long way to pay.

Another thing to mention is that Alipay is actually trying NFC lightly, but it currently only supports close identification of bus cards and bank cards, so that online charging can be realized.

　　 UnionPay flash: the most domineering Resources

Finally, it turned to the UnionPay. The big brother was not slow in the field of mobile payment, and unilaterally received the line. As early as 2011, the UnionPay launched a flash payment function to support the contactless payment of financial IC cards. At the same time, the UnionPay began to support POS terminals in the country.

Public information shows that at present, the POS terminal supporting the UnionPay flash payment has more than 3 million 600 thousand units, which is also the most dominant place compared to Alipay wallet, WeChat payment and Apple Pay, and has absolute control over the offline POS system.

But the most worthy of Tucao is: from the feedback of many merchants, the UnionPay did not cultivate the habit of flash payment for consumers, so that these terminals labeled "Quick Pass" have become the suspect of display.