In the face of the current market competition between QR code payment and POS machine, especially the scan code payment in the past month has been almost crazy, I believe there will be a lot of practitioners thinking about the future QR code payment and POS machine. The possibility of consistent rates!
How likely is this?
This website believes that this possibility is constantly moving towards reality.
The uniformity of online and offline rates has always been the focus of controversy in the industry. In fact, the official has already made a clear statement on this issue. By verifying relevant media reports, we found that:
On May 21, 2015, China Payment and Clearing Association held the "China Payment and Clearing Industry Operation Report (2015)" Conference and Bank Card Industry Development Seminar. Fan Shuangwen, Deputy Director of the Paying Division of the People's Bank of China, said that the pricing of bank card business is market-oriented. Direction, this point has reached a basic consensus.
The bank card processing fee pricing mechanism will be reformed as soon as possible, the industry classification will be abolished, and unified standards will be implemented to fundamentally eliminate the opportunity of the package. At the same time, the charging standards for traditional bank card receipts and emerging online bank card receipts should be unified to prevent new generations. Arbitrage space.
This means that the price of the online and offline payment fees will be double-tracked, offline credit card payment and online payment through online payment agencies such as Alipay or Tenpay will implement a uniform rate standard.
At present, the offline receipt is a four-party model, implementing the government guidance price of the NDRC, and the bargaining power of the acquiring institution is naturally restricted by the card organization; while the online receipt is a three-party model, the pricing mechanism is completely market-oriented, and is paid by the institution. Negotiated with the bank and did not form a constraint on the network merchant. With the booming mobile Internet and various new technologies, new application scenarios are emerging, which makes online and offline become more and more integrated, and online orders gradually penetrate into the offline.
The online acquirer's pricing autonomy is higher, and the more online trading institutions with large transaction volume, the stronger the bargaining power of the network, merchants and banks. This online and offline price double-track policy allows online acquirers to easily impact the traditional offline acquiring market. "This is obviously unfair to all parties in the Quartet model, including commercial banks, clearing organizations and payment institutions."
Cai Hongbo, secretary general of the China Payment and Clearing Association, also said that the reform of bank card credit card fees should adhere to the government-guided market-based pricing and cost pricing, and gradually improve the online and offline full-service pricing system.
"To realize the marketization of the pricing mechanism, the marketization of the entire bank card industry will be successfully completed; but how to implement it step by step is a step-by-step implementation or a step-by-step implementation, which will be further studied." Fan Shuangwen said.
It can be seen from this point of view that the relevant reform opinions have been basically determined from the perspective of the regulatory layer. As for when will it take place?
This website believes that with the current negative effects brought about by the new POS rate reform, this initiative will be accelerated!
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