The term "aggregation payment" has been hot in the past two years. In fact, a mode of operation like “aggregation†has existed for many years in the payment circle, but with different names. So, how many categories are there in aggregate payments? According to the company's technical realization and capital processing methods, we can classify them into four categories.
1 "two clear" class
There are two main types of "Second Qing" platforms, one is cashing out, and the other is to earn the exchange rate difference by playing the ball. Since the application, issuance and auditing of the “Second Qing†payment terminal generally does not strictly implement the relevant management regulations in accordance with the regulatory requirements, a large number of individuals or small businesses use their credit card cashing business. The payment methods used by many domestic games and video platforms are provided by some unlicensed companies. At the same time, they are connected to various payment channels such as WeChat and Alipay. The funds are first collected and then settled twice to the merchants, thus earning the exchange rate difference. .
The “Second Qing†platform involved in the early payment of aggregate payments. They basically did not dock with regular merchants, and they were in a gray area. They were biased towards making a fortune and were the focus of the regulatory agencies. It has five main characteristics:
Fast access: Some games and video channel platforms have hundreds of thousands of businesses, and it is impossible to apply for payment channels one by one. The "Second Qing" class platform can be realized in an instant, with great convenience.
More channels: The “Second Qing†platform has developed various types of large-scale merchants by using various resources, which has brought huge transaction volume. Some banks and third-party payment institutions cooperate with them for consideration of business operation needs, so that their payment methods should be The ability to bring the channel to its fullest.
Low cost: “Second Qing†company can make low merchants' acquisition cost through illegal means, which is very attractive for many merchants, especially those with higher formal fees.
Flexible account: multiple times a day, instant settlement, day-to-day (D0), etc. This is how the ordinary merchants who care about short-term interests can not be moved.
The threshold is low: “Second Qing†company can evade the threshold requirements for accessing merchants, and to some extent, it has opened the way for gray industry, non-standard operators, and even illegal and money laundering merchants.
2 technology integration class
Such enterprises are not responsible for the payment method of merchants. They need to sign contracts with merchants or banks or third-party payment companies. They do not touch funds and only provide technical services. The whole process is self-selected by merchants. The profit method is to charge the company a small amount of service fees or to operate other financial extension services.
Technology integration enterprises have seized the lack of technology development capabilities of merchants, unable to cope with the characteristics of online payment and maintenance of various payment companies, and have integrated the interfaces open to various payment companies, using secondary packaging and cutting-in methods to achieve one-time access for merchants. The ability to call multiple payment terminals can be solved to solve the problem of various payment channels for merchants to go online quickly.
3 agency transfer class
Such enterprises are based on technology integration, and apply for payment methods for merchants without direct contact with funds. They have good cooperation with banks and third-party payment platforms, providing services such as account creation, auditing, business development, transaction processing, etc., and connecting to the business channels of banks or third-party payment platforms. Funds are directly used by banks or third-party payment platforms. Liquidation.
Institutional transfer enterprises are typical information, and the data is their focus. At present, there are more than 2,000 on the market. The common two-dimensional payment card in the market belongs to this category. The advantage of this type of enterprise is the integration of multiple payment functions, and has a good brand appeal.
4 institutions straight clear class
Such aggregate payment companies are mainly banks and third-party payment institutions that have payment licenses. They use their own advantages to directly or indirectly establish cooperation with major payment companies to carry out legal “two clearsâ€, so that as long as the merchants are opened at their own homes, It is possible to realize multiple simultaneous payment methods and information exchange.
From the perspective of service customers, such payment companies realize aggregate payment in multiple aspects of creation, information and capital. Although seven or eight banks have initially realized such services, they have limited capacity in the face of huge market demand. You can only look for an outsourcing company or expand an agent to take on the business.
Aggregation payment realizes the mainstream payment method of merchants and accesses them to the account, which truly adapts to the demand of the city customers for payment, and has profound significance in the future payment market.
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