The UnionPay-led offline payment pattern once again faces the impact of payment companies such as Alipay.

Alipay recently launched a high-profile dual 12-line activity to release blood at the same time, in the industry seems to be the QR code, bar code payment was suspended, Alipay re-launched the large-scale offline payment market for the first time. This move is seen as a major impact on UnionPay's offline POS and N FC (near-field payment).

However, some insiders also told the Southern Reporter that in fact, the current payment of QR code and scan code has not been completely suspended, and the regulatory authorities only require new partners to file for the record. The relevant person close to Alipay told the Southern Reporter that Alipay’s offline promotion activities did not involve new contractual cooperation and were all original cooperative merchants.

ç ¸ One day, Alipay can really challenge UnionPay?

According to the official data provided by Alipay to Nandu, on the day of the 12th, nearly 100 brands and about 20,000 stores nationwide will participate in the event. On December 12th, you can use the Alipay wallet to pay 50% off. Restaurants, desserts, bakeries, supermarkets, convenience stores and many other daily consumption places. However, this offer was only executed for one day.

It is reported that after the central bank suspended the QR code and bar code payment in March this year, the offline promotion activities of Alipay and WeChat once died down. The double 12 series is the largest offline promotion campaign launched by Alipay. In the industry's view, this shows Alipay's determination to re-lay the offline market.

According to market analysis, Alipay has included offline large-scale commercials for the first time. The main purpose is to create a payment mechanism and cultivate more users' offline mobile payment habits. For mass consumers, discounts and offers. It is the most immediate way, in fact, it is a kind of behavior of burning money to grab the market. This move is seen as a major impact on UnionPay's offline PO S and near-field payment N FC.

In this regard, Yi Guan International third-party payment industry researcher Li Wei said in an interview with Nandu reporter that the move will indeed have a greater impact on traditional POS and NFC payments led by UnionPay. It is reported that the NFC led by UnionPay is included in the current "flash payment" business of UnionPay, but compared with the N FC payment on the mobile side, UnionPay currently promotes the flash payment function of the IC card. According to data provided by UnionPay to Southern Reporters, the number of financial IC cards issued has exceeded 1 billion, and all of them have the “flash payment” function, while the national “flash payment” acceptance terminals exceed 3.6 million units. "Actually, after the completion of the transformation, you can use the IC card flash payment terminal, and you can also use N FC to pay." Some insiders told the Southern Reporter.

The hidden dangers of the policy is not completely lifted Li Wei believes that once Alipay and WeChat start to start offline business, it will have a big impact on UnionPay. In fact, Alipay has already launched offline business. In March 2012, Alibaba Group invested 500 million yuan to upgrade China's e-commerce COD (cash on delivery) system. The system realizes the real-time matching of e-commerce CO D funds and logistics information by introducing Alipay POS terminal equipment with integrated credit card and manifest information management functions. However, in the previous round of offline acquiring business, Alipay eventually ended in the exit.

Li Wei pointed out that the main reason that Alipay finally exited the offline PO S business was that the offline P0S service had higher procedures and costs for hardware equipment modification, and required a large amount of manpower input. However, the scanning code payment through the mobile terminal is different from the offline PO S service, and its transformation cost is low. At the same time, it can integrate the business circle and retail business, and carry out secondary customer relationship management for the merchant, which has a platform concept. Compared with this, the promotion of N FC, although UnionPay has policy advantages, but the industrial chain is longer, the transformation of the acceptance environment is more complicated, and it is bound to be greatly affected by the payment of the Alipay line. However, Li Wei believes that in the future, the payment of mobile terminals is not a monopoly. “Compared to retail payments, utilities, such as buses, N FC payments are more stable and convenient.” Li Wei believes that the competition between the two sides will expand from their respective fields.

The market also pointed out that the current central bank's biggest hidden danger for the large-scale promotion of scan code payment is still the policy. After the central bank suspended the scan code payment in March, it has not been officially lifted. However, some insiders also told the Southern Reporter that in fact, the current payment of QR code and scan code has not been completely suspended, and the regulatory authorities only require new partners to file for the record. The relevant person close to Alipay told the Southern Reporter that Alipay’s offline promotion activities did not involve new contractual cooperation and were all original cooperative merchants.

Written: Southern Reporter Chen Ying Intern Wu Mengyu Link TenPay Double Entry Strategy QQ Wallet Main 3rd and 4th Line Market In addition to the offline mobile payment competition in the first and second tier cities, the third and fourth line payment has also begun. Recently, another big payment oligarch, Tenpay launched the QQ wallet "urban encircling the city" strategy. Zheng Haojian, the person in charge of QQ wallet products, said in an interview with Nandu reporter that compared with WeChat payment customers, which are mainly concentrated in first- and second-tier cities, QQ wallet is mainly aimed at tapping more users in third- and fourth-tier cities.

In March of this year, the QQ wallet was officially launched, but the promotion has not been great. According to reports, QQ wallet and WeChat payment are all based on Tenpay Express. Zheng Haojian said that in design, he did consider separately developing a Tenpay A PP, but considering that most users' mobile phones are equipped with Alipay wallets, they will not More than one similar software is installed, but most of the users who have installed Alipay wallets will have two payment ports, QQ and WeChat.

When talking about the difference between WeChat payment and QQ wallet, Zheng Haojian said that WeChat payment covers the user group is high-end, while in the third- and fourth-tier cities, more are QQ users, which is for users who have not opened WeChat payment, QQ wallet It is well complemented, and a large user base will inspire huge mobile payment needs. In his view, the opportunity of QQ wallet comes from three aspects, the first is to provide a more convenient channel for the purchase of virtual products on QQ. For example, users can purchase Q coins, QQ members and other products and services directly through QQ wallet, without jumping to other web pages and online platforms. Secondly, online products such as recharge of phone bills, QQ lottery and other third-party platforms relying on the QQ platform Jingdong, Beauty said that the consumer can directly complete the payment. Finally, the offline business, that is, the O2O part.

Wicker Daybed

Outdoor Wicker Daybed is modern stylish choice for resort and hotel projects.The contemporary design is combined with all-weather PE wicker,study aluminum frame and UV protected fabric cushion.

Outdoor Wicker Daybed is classic among patio furniture. They are easy in maintenance and look naturally, plus they are ideal for the terrace,patio and poolside. Wicker furniture is available in many different versions – sectional outdoor sofas, sofas, sets or chairs. The full offer is available on our website. Since the demand for furniture has grown in recent years, the wider offer has been created. We are convinced that our broad and attractive assortment will suit any tastes.


Features

· Perfect for simply relaxing in your holiday with family and friends

· Waterproof and UV-resistant wicker rattan

· Removable thick cushions

· Waterproof fabric is engineered to endure the weather and resist fading, mildew, and stains to extend the life of your cushion

· Powder-coated aluminum/synthetic wicker/polyester

Maintenance tips

· Do not use any abrasive cleaning agents for cleaning

· Clean the chaise lounge with a damp, soft cloth (you may use a mild cleaning agent) and wipe it dry afterwards

· In case of ceaseless heavy rain or during the winter, the furniture should be stored inside or have a protective cover on it



Wicker Daybed Wicker Daybed


Wicker Daybed Wicker Daybed

If you have any questions, please contact with us directly. Outdoor Sofa Furniture are produced

by Golden Eagle Outdoor Furniture With High Quality and Good Appearance. Welcome you can visit our Factory.For any inquiry,Please send mail directly to us.


Wicker Furniture,Wicker Daybed,Wicker Sofa Set,Outdoor Wicker Furniture,Wicker Patio Furniture,Wicker Rattan Furniture

Golden Eagle Outdoor Furniture Co., LTD. , https://www.gegardenfurnitures.com