The third-party payment license is gradually fading, and the future is still the world of giants.

The heat of third-party payment licenses is declining. Recently, Beijing Runjing took the initiative to apply for termination of payment business. It has been approved by the central bank. This has become the first company to apply for termination of payment business. Since the first payment license was cancelled in early 2015, this is already The fourth payment license issued by the central bank.

It is not difficult to see that third-party payment is still a game between giants.

Small businesses can't afford to play, as a victim

The opening of third-party payment photographs by the central bank has brought about certain effects, which not only prompted profound changes in the development pattern of the payment market, but also broke the highly concentrated market competition pattern. According to the data, since the first batch of payment licenses were issued on May 26, 2011, the total number of payment licenses issued by the central bank has reached 270.

Third-party payment was originally based on laying a merchant POS machine to collect transaction fees. However, at the beginning of 2015, WeChat and Alipay, which were originally on the line, began to be heavily involved in offline payment, and the cost was extremely low. The QR code can be used for payment and payment, and more and more merchants have abandoned the merchant POS machine. In this case, the days of third-party payment are getting worse.

Alipay, WeChat, such as the very low cost of the game, naturally will not contradict, and users do not have to brush the bank card, but Alipay or WeChat is also a lot. To a certain extent, Alipay or WeChat has changed people's payment habits. As third-party payment has been exhausted by Alipay and WeChat, in 2015, most of the third-party payment companies were in a state of losing money, and it was at that time that the central bank announced that the license was suspended.

In fact, the third-party payment market has already been destined to enter the market at the beginning, and the winners will be even bigger. Alipay and WeChat are among the first batch of 27 payment licenses issued by the central bank in 2011.

The eagerness of third-party payment companies to sell has become a trend

The news that the central bank announced the suspension of the issuance of third-party payment licenses gave some small businesses with payment licenses a chance to sell the licenses to Internet companies with demand for cash-out to become the best choice for many small businesses.

It is understood that third-party payment licenses can generally sell prices ranging from 250 million yuan to 480 million yuan, and even if the price is so high, it is not difficult to sell the license. Some insiders said, "One license is out, seven or eight are robbing, and more than ten are robbing. There are very few bargains, because you will be bought by others when you talk about it."

The reason for this is related to the suspension of the third-party payment license by the central bank. Some Internet companies need third-party payment licenses. For example, Meituan, Vipshop, and Xiaomi Evergrande have successively completed the payment of licenses to third parties. Acquisition work. It is understood that the types of business that pay for licenses include bank card receipt, internet payment, mobile payment, television payment, fixed telephone payment, prepaid card issuance and acceptance. Therefore, the reason why the US and Vipshop companies purchase third-party payment licenses is naturally to be able to take the last link in the purchase of goods - payment in their own hands, and finally form a closed-loop ecology.

After all, pure third-party payments are actually not good. It is wise for many companies with third-party payment licenses to sell their licenses, and third-party payments are connected to a complete ecosystem. At that time, there are many possibilities for success. Alipay and WeChat are good examples.

At the same time, with the continuous strengthening of supervision, the business scope of third-party payment licenses will continue to tighten, so the heat of third-party payment is gradually receding in the increasingly strict supervision. The number of third-party license holders who take the initiative to apply for termination of payment business may be more and more, and the future third-party payment market is also destined to be the world of giants.