When was the trouble we wanted to apply for a pos machine, the rise of mobile pos machines in the past few years, and now! You walked down the street and saw the salesman who runs the credit card. They have another part-time job, POS machine promoter. If you help a credit card to get tens of dollars, then if you help you activate a POS machine, you can also return a hundred yuan (because each company has different rebates). I don't say that you also understand the use of the pos machine! But even so, many promoters now have the same feeling. The pos machine was still sold before, but now it is no one wants to give it to others!
There are several main problems. First, the market is basically saturated. The second is mainly the mobile pos machine rate. The third is the rise of aggregate payment. Aggregation payments are mainly online payments, which have just started in the first two years, but the advantages of the “96†fee-based aggregation payment last year are reflected. At present, the aggregate payment rate in the market is basically between 0.35% and 0.56%. Because it is online payment, there is no geographical restriction, no equipment, just download a mobile app, and basically there is no threshold. The most important thing is that when the individual is using it, he can earn the transaction of the POS machine agent. Although there are not many, the reason why the water flows into the river is understandable.
The so-called aggregate payment is to rely on the payment channel and clearing ability of the bank, three-party payment or clearing organization to provide customers with payment, service, interface, integration, docking, order processing, data statistics and other payment service agencies.
By syndicating the paid SDK, aggregating payment scenarios, aggregating payment methods, and aggregating payment channels, there is no need to find a desired payment channel, no need to repeatedly connect and integrate cumbersome payment interfaces, link merchants and channels, reduce access technologies, communicate thresholds, and lower Channel cost, convenient and fast access to pay.
In the era of mobile Internet, the scene of docking of mobile payment is more fragmented and has superior timeliness.
The inability to easily connect with customer needs and the inability to implement services quickly means giving up customers. The era needs to aggregate payment as a payment institution to realize the rapid landing of mobile payment!
From the development trend of the payment industry, the trend of the industry from one cabinet to multiple machines (one cabinet and multiple yards) to one cabinet and one machine (one cabinet and one yard) is a general trend. With the national supervision and regulation on the whole aspect of the industry The effective intervention of the regulatory layer ended the cycle of the aggregation payment industry bound by the "Grechen's Law", ending the barbaric growth era of aggregate payment, and the development of aggregate payment in the future will usher in a big opportunity for compliance development.
Aggregate payment will develop in the future in a more compliant, healthier and more innovative direction. The main development trends may have the following aspects.
One is multi-scenario aggregation.
With the popularization of mobile smart payment methods such as two-dimensional code and NFC near-field, mobile payment will gradually advance from the shopping field to the diversified field. In the future, whether it is water and electricity coal payment in the public payment field, cable TV payment, or public transportation, Road parking and so on are potential markets for aggregate payments. From the perspective of development, the future aggregation payment is definitely not just a simple scene aggregation of the QR code scene. With the rise of smart terminals such as smart cloud POS, two-dimensional code, NFC near field, IC card swing and other payment methods. Both will be integrated into the broad category of aggregate payments.
The second is multi-agency connectivity.
At present, the main development area of ​​aggregate payment is still the aggregation of two-dimensional code payment, and the aggregation institutions are a few of Alipay, WeChat payment, Jingdong payment, and bank payment. In the future, with the rapid development of aggregation payment, the integrated payment service of integrating bank card receipt, Alipay, WeChat payment, game card, mobile phone recharge card, bus card and other prepaid cards will appear. Multi-institutional multi-connected will have May become a trend of development. With clear market rules, industry leaders such as banks, UnionPay, and non-bank payment institutions are likely to deploy aggregate payment markets, and then guide the market to develop in the direction of diversified scenarios to achieve true diversified payment union.
The third is more financial consolidation.
Payment is the entry point for all financial scenarios. As an entry form, aggregate payments are more likely to be an effective channel for multi-financial integration. In the future, aggregate payment will make it possible to achieve a variety of payment methods, such as account-to-account, real-time reconciliation, and qualified institutions will no longer limit the business to traditional payment services, merchants, water, loans, consumer financing, financial management, Diversified financial services represented by member financial services, etc., will likely emerge, resulting in a diversified competitive advantage for aggregating payment institutions.
The fourth is multi-market penetration.
The current mobile payment is mainly concentrated in the first- and second-tier central cities, and there is a fierce competition in the Red Sea between various institutions. However, in the vast secondary cities, county markets and rural markets, mobile payment is still in its infancy, with a single payment product type and extremely scarce payment services. Simple POS machines or software collection and payment are difficult to meet the growing needs of merchants. The sinking trend of aggregate payment has been formed. Attacking the secondary market and the following markets through the low-cost advantage of aggregate payment will become a possibility for the aggregation payment to open up the blue ocean of the industry.
The main task of the mobile payment product agent is to promote, and the strength of the promotion ability directly determines the level of income. Aggregate payment has a strong promotion. By sharing the software to enhance the identity, the higher the identity, the lower the card rate. At the same time, the user can also collect the credits of the subordinate users. The higher the level, the more the distribution. Among the agents who pay for the payment, there are a large number of people with a general income of more than 500,000 a year, and to a higher level, there are many people who laugh at a million dollars a year.
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Name |
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Material | Corten steel |
Size | 1200*400*1200mm or customized |
Surface |
Pre-rusted |
Technology |
Laser cut |
Application |
Outdoor |
Steel thickness | 2 mm |
Packing |
Pallet |
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