Network payment "bundled" smart phone mobile payment new mode Last week, E World reported that the world-renowned company PayPal launched a mobile payment tool, which can be turned into a mobile terminal payment system by plugging the hardware into the iPhone. In fact, this new model of mobile payment has become increasingly popular abroad. Coincidentally, a few days ago, Alipay, the largest third-party payment company in China, started the logistics POSE strategy and invested in POS equipment to realize virtual payment from online to offline. The new mode of mobile payment has become a new payment model for consumers, and the entire online payment industry is facing more challenges. Text, map / reporter Wen Jing foreign: Mobile payments from Square to PayPal Recently, PayPal launched the latest credit card terminal PayPal Here in the United States, Canada, Australia and Hong Kong, China - just insert a blue "small triangle" into the iPhone or iPad (install the corresponding App), you can change it "Become a mobile card reader, not only can swipe credit cards but also scan checks. Although PayPal Here has not yet entered the domestic market, this new mobile payment model has received a lot of attention from the domestic online payment industry. In fact, in the US market, this new mobile payment model has emerged a year ago. As more and more online payment companies join the competition, they are gradually bringing up a new mobile payment model. It is understood that the first wave of mobile payment is called Square, which launched a square mobile payment plug-in (as its English name Square), just plug the square card reader into the audio jack of the mobile device. And by logging in to the website to register, the card reader can be used for card transaction. In order to ensure the security of mobile payment, the system also provides payment and photo confirmation. After the user confirms the information, the user can confirm the information by signing on the touch screen. Complete the entire payment process. Of course, the entire mobile payment system encrypts the information to ensure the security of payment. Square supports iOS and Android. In short, if you are a seller, you only need to have a smartphone such as iPhone in your hand, plus this card reader can turn into a mobile POS machine, which is convenient for your users to carry goods. Payment to the offline payment, etc. Today, there are about four payment companies in the global market that implement this new mobile payment model, including Square, VeriFone Payware, Intuit GoPayment, and PayPal. PayPal Here's model is similar to Square. It is understood that for these mobile payment tools, payment companies charge through different calculation methods. For example, Square charges a charge of 2.74% per transaction, Intuit GoPayment is charged at 2.7% of the amount, and merchants with a large volume of business can choose a 1.7% handling fee plus a monthly fee of $19.95. PayPal Here charges a 2.7% fee, but registered merchants can get a debit card with an instant return of 1% of the transaction amount, and the final fee can be reduced to 1.7%. This kind of "bundled" mobile phone mobile payment solution, foreign analysts believe that for SMEs and individual sellers, is an ideal choice, but it will take some time to improve and grow. However, Square founder Jack Dorsey said in an interview with the media that they have signed agreements with a number of credit card companies, will have a huge market among individual sellers, and will make the payment magical and interesting. It is worth noting that PayPal said that it hopes to become the first foreign company to obtain a Chinese electronic payment license to release the mobile payment solution as soon as possible. domestic: Alipay goes to “offline†payment Coincidentally, Alipay, the leading third-party payment company in China, officially launched the logistics POS strategy last week, investing 500 million yuan in the field of e-commerce COD (cash on delivery), and will invest 60,000 pos machines in the next three years, that is, Alipay also Support for "offline" payments. The industry expects that Alipay's move is intended to grab 70% of the offline payment market for e-commerce. It is understood that Dangdang has taken the lead in applying the Alipay logistics POS payment solution. Whether it is PayPal Here's “mini†mobile payment solution or Alipay's ambitious POS strategy, this means that online payment companies have moved from “online†to “offline†diversification, and they have to pay for the terminal market. . Although Alipay emphasizes that it does not rob the business of UnionPay and the bank, Alipay Logistics POS payment business only focuses on e-commerce. The data shows that in 2011, the size of B2C transactions in China's online shopping market reached 179.11 billion yuan. In B2C companies, the proportion of cash on delivery has accounted for 70%. In addition to Alipay, third-party payment companies such as fast money and remittances have begun the layout of the offline payment market. It is reported that, unlike online payment, the cash on delivery business involves the investment of POS and PDA hardware equipment. At the same time, it also includes the security of funds and the flow and settlement of funds between e-commerce and logistics providers. Therefore, many e-commerce and logistics in China Businesses are more cautious about this. The joining of payment companies can effectively strengthen the management of funds for this part of cash on delivery. According to domestic analysts, according to the current market development, e-commerce and offline merchants have strong demand for cash on delivery, and payment companies also need to expand their business types, and it is expected to move to “offlineâ€. According to the beautiful vision of the “Establishment†of payment companies, in the future, consumers can choose cash on delivery when shopping in Taobao or many B2C malls. When the goods are delivered to the door, they can use the POS machine and other terminals to perform on-site credit card or cash payment. . 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