The reporter noted that at present, many entrepreneurial companies have been born in this field in China, and they have been favored by the capital side. For example, companies such as Ping++ and Qianfang are already in a certain scale. At the same time, third-party payment companies and banks are also in this field, and competition is becoming increasingly fierce.
Xu Yuwen, chief consultant of China Payments Network, told reporters that the aggregation payment that integrates multiple payment methods has advantages over the single payment method in terms of functional experience, and there is sufficient market demand. However, the current aggregation payment service providers still provide services to merchants around Alipay, WeChat and banks, and they do not have the ability to compete with the payment giants.
Many market participants
It is understood that companies that provide aggregate payment services do not have a payment license and only engage in payment services other than payment, settlement, and clearing services. By aggregating a variety of third-party payment platforms, banks and other service provider interfaces, aggregate payment provides services such as payment channels and technical docking for merchants. According to different service objects, it can be divided into online and offline. The online mode mainly provides technical interfaces, while the offline mode requires docking a large number of offline merchants.
The reporter found out that this year, there are constantly aggregated payment companies to obtain financing. At the beginning of the year, Ping++ completed $10 million in Series B financing; in May, BeeCloud received 10 million RMB Pre-A round investment, and the lead investor was Sino-US Venture Capital; on September 7, Lichu Business “Broom†announced Shanghai Fuyou Financial Group invested RMB 10 million in Pre-A round; in November, Qian Fang announced that it has received RMB 200 million financing, which was invested by Japanese private equity fund Whiz and Japan's largest travel map publisher, Zhao Wenshe.
While aggregate payment startups continue to gain capital favor, traditional third-party payment companies are also rushing to the layout. In March of this year, Lacala Commercial Services acquired the Beijing-based convergent payment company Shunwei Unlimited, and in May this year launched the online payment platform Paymax.
At the same time, the banking department is also working hard. In November, Industrial Bank's silver and silver platform launched the aggregate payment product “money e payâ€, which also integrates the mainstream mobile payment methods in Alipay, WeChat payment, QQ wallet, shopkeeper wallet, etc., supporting PC client, mobile APP, POS. Various merchants, such as the machine and WeChat public account, provide services for merchants and cooperative banks.
In addition, the reporter noted that there are already aggregate payment companies listed on the New Third Board. Among them, the current payment (832086) was listed in March last year, and its 2016 semi-annual report showed that the operating income in the first half of the year was 43.33 million yuan, a year-on-year increase of 73.97%, and the net profit was 10.42 million yuan, an increase of 3.71%. Another company listed at the beginning of this year, Ji Shi Mobile (838041) achieved a net profit of 127,000 yuan in the first half of the year, an increase of 124.97% over the same period.
Industry development is still in its infancy
According to data from iResearch, in the first quarter of 2016, in the market share of third-party Internet payment transactions, Alipay accounted for 43.3%, Tenpay accounted for 20.1%, UnionPay business accounted for 11.1%, and quick money accounted for 7.0%. The payment of CICC accounted for 5.1%, and the remittance accounted for 5.0%.
At present, the third-party payment market presents obvious fragmentation characteristics. For a large number of small and medium-sized merchants, it often requires a lot of cost to connect with different payment channels. At the same time, it is increasingly difficult to obtain payment licenses under stricter regulations. A few days ago, the supervision has written off four payment licenses.
The strict regulation of payment licenses and the fragmentation of industry development have brought development momentum and market space to aggregate payments. Xu Yuwen said that aggregate payment can better satisfy users' diversified payment methods and is more widely used in the choice of payment scenarios.
Yan Xiangtao, a senior payment industry observer, told reporters that aggregate payment came into being in the process of diversification of a single payment method, in line with industry development trends and meeting market demand. At the same time, for industry-involved enterprises, the aggregation of different payment methods can reduce operational risks and increase revenues of multi-channel businesses.
Xu Yuwen pointed out that at present, aggregate payment is the best supplement to the acquiring market, but aggregate payment will not affect the payment industry pattern. The aggregate payment in the initial development stage still needs to be improved in terms of payment scenarios and payment experience. In addition, the current aggregation payment service providers still provide services to merchants around Alipay, WeChat and banks, and they do not have the ability to compete with the payment giants.
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