What are the mobile payment companies and what are the benefits of mobile payment?

Mobile payment is an industry, also known as mobile payment, in the future, you don't need to bring cash, bank cards, only with a mobile phone to go out to achieve car, eating, drinking, shopping and other consumption. The main channels are Alipay and WeChat, two major Internet giants, which are also competitors.

As for the listed companies of mobile payment, it is difficult to say, there are many companies involved in this industry, including aggregator payment companies, you can check it on the Internet.

From the perspective of customer experience, product performance and Internet security, the products are ranked as follows.

Customer experience: Alipay, UnionPay Commerce, PayPal, Tenpay, Zhipay.

Internet security: PayPal, Alipay, WisePay, Tenpay.

The third-party platform settlement and payment model has the following advantages:

1) Relatively safe, credit card information or account information only needs to be told to the payment intermediary, without telling each payee, which greatly reduces the risk of credit card information and account information being confidential;

2) The payment cost is low, and the payment intermediary concentrates a large number of electronic micro-transactions, forming a scale effect, so the payment cost is low;

The third-party platform settlement and payment model has the following drawbacks:

1) This is a payment mode of the virtual payment layer, which requires other "actual payment methods" to complete the operation of the actual payment layer;

2) The payer's bank card information will be exposed to the third-party payment platform, and if the third-party payment platform's creditworthiness or confidentiality means are not good, it will bring relevant risks to the payer;

Fourth-party payment companies, such as some brands that appear more frequently on the market, such as cloud acquiring, Xiaoma Ge, Fubei, Collect money, super cute, etc.

There are a lot of these, you can look them up.

What are the advantages of mobile payments?

1.With your phone in hand, you have the world.

Incomparable convenience, whether it is eating, drinking, traveling, shopping, paying bills for medical treatment, buying tickets and administration, etc., as long as you take out your mobile phone, you can quickly solve them one by one.

2.Cash is no longer the "only one".

According to the survey, 74% of the respondents believe that they almost spend less than 100 yuan in cash a week, and the first thing that comes to mind when they go out to pay anywhere is to take out their mobile phones and scan the checkout.

3.Environmental protection and hygiene.

With the development of mobile payment and the reduction of the use of banknotes, the use of banknote raw materials can be greatly reduced, and the transmission of bacteria on banknotes can be eliminated. In addition, now Alipay's Ant Forest can also plant trees when it gets energy. How many people choose to pay with Alipay because of Ant Forest, hehe.

Mobile payment, also known as mobile payment, is a service method that allows users to use their mobile terminal (usually mobile phone) to pay for goods or services consumed. Units or individuals directly or indirectly send payment instructions to banks and financial institutions through mobile devices, the Internet, or proximity sensing to generate currency payment and fund transfer behaviors, so as to realize the mobile payment function. Mobile payment integrates terminal devices, the Internet, application providers and financial institutions to provide users with financial services such as currency payment and bill payment.

The portability, mobility, customization and other advantages of mobile payment have brought a lot of convenience to our lives, and the consumption process of mobile payment is shown in the following figure:

So, there are many people who want to ask, can mobile payment be realized with mobile phones? That one is going to make a fortune! Buy a mobile phone and have no worries about food and clothing? No, no, no, in order to realize mobile payment, in addition to having a mobile terminal that can be connected to the Internet, it is also necessary to:

1. Mobile operators provide network services;

2. Banks provide online payment services;

3. There is a mobile payment platform;

4. Merchants provide goods or services;

The development of mobile payment standards has been going on for more than three years, mainly in UnionPay and China Mobile, and the strong data means that the global mobile payment business will continue to show a strong trend in the next few years.

To sum up, mobile payment has been quietly integrated into our lives, from the purchase of luxury goods, to the aunt in the vegetable market, and the breakfast at the roadside stalls, mobile payment has been realized.

First, mobile payment has seized market share with its low cost, giving consumers lower pay through transactions between consumers and merchants, and merchants have mastered consumers' preferences through big data, so as to develop new products to meet the needs of consumers.

Second, mobile payments reduce the risk of carrying cash. Before the advent of mobile payment, we all traded goods by carrying a large amount of cash, and with the popularity of mobile payment, we only need a bank card or a mobile phone to trade goods.

Third, mobile payment can establish a long-term connection between consumers and merchants, merchants can improve the quality of products through consumers' evaluation of their products, and consumers can also establish a benign interaction between the two through the marketing messages sent by merchants through mobile phones.

The trend of mobile payment is all over the world, and industry competitors are eyeing the fat of mobile payment and have launched their own mobile payment functions. In China, a "cashless society" has arrived. The rapid development of China's mobile payment market has made the "crooked nuts" particularly emotional, and some people have praised that online shopping, high-speed rail, mobile payment, and shared bicycles can be called China's new four major inventions.

It can be seen that mobile payment has spread everywhere in everyone's life.

The benefits of mobile payments are roughly as follows:

1. Mobility, the mobility of carrying, eliminates the limitations of distance and geography. Mobility combined with advanced mobile technology provides access to the services, applications, information and entertainment you need, anytime, anywhere.

2. Timeliness, not limited by time and place, information acquisition is more timely, and users can inquire, transfer or shop on the account at any time.

3. Customization, based on advanced mobile communication technology and simple mobile phone operation interface, users can customize their own consumption methods and personalized services, and account transactions are more simple and convenient.

4. Integration, with the mobile phone as the carrier, through the information interaction with the terminal reader for close identification, the operator can integrate various information such as mobile communication card, bus card, subway card, bank card and other information into the carrier with the mobile phone as the platform for integrated management, and build a supporting network system, so as to provide users with very convenient payment and identity authentication channels.

Mobile payments are popular in Africa, what are the benefits of mobile payments?

The advantage of mobile payment is that it lowers the balance of the market, which may be cheaper, and it will be better secure than the market, so that the payment is very safe and will not be paid by others.

Mobile payment saves us from having to go out with money, and it also saves us time in withdrawing money and getting change. Let's never lose money again, and we won't be embarrassed by forgetting to bring money.

I think there are still many benefits of mobile payment, such as you can usually not bring cash, and then you can use mobile payment directly, which is very convenient, and you don't need to change, and you don't need to touch the money, because money is also contagious to many people, so I think the benefits of mobile payment are very many.

You can save the trouble of bringing cash, you can save the trouble of fake money, and you can easily pay any store that supports mobile payment without worrying about the embarrassment of not having enough money.

The advantage of mobile payment is that you don't have to use cash transactions, and you won't have to lose money and receive fake money, and you don't have to go to the bank to withdraw money when you use it, which is a waste of time and energy. After mobile payment, we can also count where the money is spent and how much is spent? It's helpful for our finances.

There are many benefits of mobile payment, such as convenience and speed, you can complete the payment by scanning the code, there is no change process, and there is no loss of money, no change will be lost, of course, the probability of others picking up money is also small!

Mobile payment is convenient and fast first, the second is that you don't need to bring cash, and you don't have to worry about the trouble of change, and third, you don't have to worry about being stolen, whether you are walking or riding in a car, and fourth, there will be no risk of counterfeit money, which is the benefit of mobile payment.

The advantage of mobile payment is that it can be more convenient, don't worry about whether you have money on your body, as long as you have a mobile phone, and you don't need to pour money, you can directly know the correct amount.

Mobile payment has the characteristics of security, from the mobile phone itself unlock password, fingerprint password and other protection to the payment password SMS verification when paying.

There are many benefits of mobile payment, such as: eliminating the risk of cash theft, the risk of collecting fake money, and the trouble of finding change.

Mobile payments are popular in Africa, what are the benefits of mobile payments?