Scan code payment is very hot this year. Some friends asked me what is the difference between scan code payment and no card payment? These two payment methods are actually "same roots", but they are different. In the past few years, the number of employees in the payment industry has increased significantly, and many professional terms have not been clearly defined. The industry often confuses the two. In fact, the core logic of the two businesses is the same, and they all belong to “no magnetic and no secretâ€, but the application scenarios are different. Let's talk about the difference between scan code payment and no card payment.
Scan code payment is based on the "third-party payment institution member account system" such as Alipay / WeChat / Baidu wallet, and the application scenario is face-to-face collection of offline stores. In essence, it represents the increasingly advanced payment methods in the PC e-commerce era, the mobile Internet era, and the O2O era. The cardless payment is mainly applied to online shopping malls and mobile phone app payment. For example, the payment interface of the railway ticket 12306 for purchasing a train ticket is “card credit number password paymentâ€, which means no card payment, no need to log in to jump to a third party account, only need to input Card number, CVV2 and mobile phone verification code can be paid independently;
Compared with the two types of non-magnetic payment and scanning code payment, the POS machine is magnetic and dense, and is the oldest payment method. Now this traditional payment method will gradually withdraw from the market in the future. .
The scan code payment was launched in 2014, and the middle has been suppressed by supervision and is now recognized by the central bank. According to the payment data released recently, the mobile payment business has grown significantly in the second quarter of this year. Non-bank payment institutions handled 37.707 billion online payment services, amounting to 23.35 trillion yuan, an increase of 82.51% and 111.12% respectively. The pace of no card payment advancement is already the trend of the times.
What are the characteristics of today's scan code payment superior to other payment methods?
1. Use as a store assistant to improve service.
Most large-scale retail enterprises assign WeChat QR code to the clerk, each person receives a QR code, pays the payment anytime and anywhere, receives payment information instantly, improves the in-store shopping experience, and reduces the cumbersome payment link. Especially in the express delivery or take-out industry, it is not collected in the store, the cash payment is limited, and the credit card is not convenient to carry. Only by letting consumers pay for the WeChat scan code, it is simple and convenient, and there is no need to change the value and touch the cash to give consumers a clean and high-end consumer experience.
2, scan code payment, shorten the checkout time.
In order to meet the needs of customers to speed up the checkout speed, many large retailers provide consumers with scan code payment during peak sales or holidays, and can quickly checkout at any time and place, so that the clerk can check the cash for customers anywhere in the store. Trading links provide sales efficiency.
The advent of scan code payment, cash due to the existence of counterfeit money, unsanitary, change of trouble, bank access is now cumbersome, large amounts of money are not portable, storage is not safe and so on, has been slowly abandoned.
As people's quality of life improves, self-awareness is strengthened, more convenient, and more secure to ensure the emergence of consumption methods, it will attract more attention and pursuit.
Scan code payment is based on the "third-party payment institution member account system" such as Alipay / WeChat / Baidu wallet, and the application scenario is face-to-face collection of offline stores. In essence, it represents the increasingly advanced payment methods in the PC e-commerce era, the mobile Internet era, and the O2O era. The cardless payment is mainly applied to online shopping malls and mobile phone app payment. For example, the payment interface of the railway ticket 12306 for purchasing a train ticket is “card credit number password paymentâ€, which means no card payment, no need to log in to jump to a third party account, only need to input Card number, CVV2 and mobile phone verification code can be paid independently;
Compared with the two types of non-magnetic payment and scanning code payment, the POS machine is magnetic and dense, and is the oldest payment method. Now this traditional payment method will gradually withdraw from the market in the future. .
The scan code payment was launched in 2014, and the middle has been suppressed by supervision and is now recognized by the central bank. According to the payment data released recently, the mobile payment business has grown significantly in the second quarter of this year. Non-bank payment institutions handled 37.707 billion online payment services, amounting to 23.35 trillion yuan, an increase of 82.51% and 111.12% respectively. The pace of no card payment advancement is already the trend of the times.
What are the characteristics of today's scan code payment superior to other payment methods?
1. Use as a store assistant to improve service.
Most large-scale retail enterprises assign WeChat QR code to the clerk, each person receives a QR code, pays the payment anytime and anywhere, receives payment information instantly, improves the in-store shopping experience, and reduces the cumbersome payment link. Especially in the express delivery or take-out industry, it is not collected in the store, the cash payment is limited, and the credit card is not convenient to carry. Only by letting consumers pay for the WeChat scan code, it is simple and convenient, and there is no need to change the value and touch the cash to give consumers a clean and high-end consumer experience.
2, scan code payment, shorten the checkout time.
In order to meet the needs of customers to speed up the checkout speed, many large retailers provide consumers with scan code payment during peak sales or holidays, and can quickly checkout at any time and place, so that the clerk can check the cash for customers anywhere in the store. Trading links provide sales efficiency.
The advent of scan code payment, cash due to the existence of counterfeit money, unsanitary, change of trouble, bank access is now cumbersome, large amounts of money are not portable, storage is not safe and so on, has been slowly abandoned.
As people's quality of life improves, self-awareness is strengthened, more convenient, and more secure to ensure the emergence of consumption methods, it will attract more attention and pursuit.
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