Third party payment platform to join! 5

First of all, let's give you the concept of third-party payment platform!

Third-party payment platform: refers to the payment license issued by the central bank, the central bank issued about 240 payment licenses in the country, as mobile payment becomes more and more popular, some third-party payment companies authorized to license began to make money, resulting in the tightening of the central bank's policy and the revocation of the licenses of several companies. The third-party payment license has the ability to settle funds, and in order to make the third-party payment more legal, the network is introduced to control the transaction data.

Since the third-party payment platform has the ability to settle funds, can it join the third-party payment and then develop merchants?

1. The third-party payment rate is generally high: everyone will definitely have contacted the third-party payment, and the general rate will be higher than that of the mobile payment service provider, and it is more than a little higher.

2. It is difficult to have a high threshold for cooperation: third-party payment is generally less likely to attract ** merchants, unless you have more existing merchant resources.

Like cloud acquiring, Fubei, Sweep, and Xiaoma are all fourth-party payment service providers, not a third party, and they are not licensed.

All of them are authorized by third-party payment service providers (WeChat and Alipay), which can be regarded as technology providers, integrating the payment channels provided by third parties to form a cash register system for merchants to use.

There is a payment platform called HelloPay!

Hello Pay; It is a comprehensive solution based on integrated payment, integrating first-class payment, APP payment, and scanning code payment, and deploying equipment, installing APP and APP in terminal merchants to realize integrated functions such as collection, marketing, user management, and business district operation.

Hello Pay; It is a comprehensive solution based on integrated payment, integrating first-class payment, APP payment, and scanning code payment, and deploying equipment, installing APP and APP in terminal merchants to realize integrated functions such as collection, marketing, user management, and business district operation.

On November 20, 2018, in the beautiful Kunming, the mystery of Hello Pay was officially unveiled, and in less than a month, we have more than 600 stores across the country. Many large, medium and small merchants choose to fold us to receive money.

Why do so many merchants choose us HelloPay?

1.The core advantage of HelloPay is data. Including user traffic and merchant transaction data, expanding and leveraging this data within the compliance framework is the core business model of aggregated payments.

2.The emergence of Hello Pay is equivalent to aggregating multiple *** or other types of mobile payment tools, including WeChat Alipay, to form a unified channel. As long as you scan the code, you can pay, and you don't have to be afraid of the embarrassment that Alipay or WeChat just has no money.

3.You can query and manage all transaction details, custom fee rates, flexible configuration attention, mobile account opening background, multiple management backgrounds such as APP, PC web pages, etc. It is convenient for merchants to reconcile and check bills, saving a lot of complicated manual work.

This is an era of data integration, and HelloPay is more than just payment! Integrate huge member data, provide a precision marketing platform, efficient management, smart management, precision marketing, and attract customers.

Third-party payment, in a narrow sense, refers to the electronic payment mode in which non-bank institutions with certain strength and reputation guarantee establish a connection between users and bank payment and settlement systems with the help of communication, computer and information security technology and contract with major banks.

The reason why it is called a third party is because these platforms do not involve the ownership of funds, but only play a role in transit, in essence, third-party payment is a kind of escrow payment of funds.

Third-party payment platforms include Alipay, WeChat Pay, Cloud QuickPass, Wallet, PayPal, Lakala, Tenpay, Rongbao, Shengfu Hu Laotong, Lianlian Pay, etc., but in actual life, Alipay and WeChat Pay are the most used, and they also occupy most of the market share.

The cost of third-party payment is relatively low, and it is very convenient to use, and it is very safe to use to avoid the leakage of personal information.

The general mode of operation of the third-party pants eggplant payment is as follows:

1. Consumers buy goods in e-commerce, and finally decide to buy, and the buyer and seller reach a transaction intention online.

2. Consumers choose to use a third-party payment platform as a transaction intermediary, use a debit or credit card to transfer the payment to a third-party account, and set a delivery date.

3. The third-party payment platform notifies the merchant that the consumer's payment has been received, and requires the merchant to deliver the goods within the specified time.

4. After receiving the notice that the consumer has paid, the merchant will ship the goods according to the order, and make the corresponding record on the **, and the consumer can check the status of the goods he has purchased on the **; If the merchant does not ship the goods, the third-party payment platform will notify the customer.

The transaction fails and asks if to transfer the payment back to their account or temporarily hold it on the payment platform.

5. After receiving the goods and confirming satisfaction, the consumer notifies the third-party payment platform. If the consumer is not satisfied with the goods, or believes that there is a discrepancy with the merchant's promise, the consumer can notify the third-party payment platform to refuse payment and return the goods to the merchant.

6. The consumer is satisfied, the third-party payment platform will transfer the payment to the merchant's account, and the transaction is completed; If the consumer is dissatisfied with the goods, the third-party payment platform will transfer the payment for the goods back to the consumer's account or temporarily store it in the third-party account for the consumer's next transaction after confirming that the merchant has received the return.

With the rapid development of the Internet era, third-party payment platforms are in the ascendant, so do you know what third-party payment platforms are?

Third-party payment platforms

Third-party payment refers to an independent institution with certain strength and reputation guarantee, and facilitates the transaction between the two parties through the connection with the network. In the third-party payment mode, after the buyer purchases the goods, the buyer uses the account provided by the third-party platform to pay for the goods (pay to the third party), and the third party notifies the seller of the receipt of the payment and requests the delivery; The buyer receives the goods, inspects the goods, and confirms them, and then notifies the third party for payment; The third party then transfers the money to the seller's account.

Mainstream brands

Third-party payment products in China mainly include Alipay, WeChat Pay, Wallet, PayPal, Zhonghui Pay, Lakala, Tenpay, Rongbao, Shengfu, Tengfutong, Confession Pants Tonglian Payment, Yibao Pay, Zhonghuibao, Fast Money, Guofubao, Logistics Bao, NetEase Bao, Congqianxin Online Banking**, IPS IPS, Huifu, Huipay, Huihui, Baoyi Hutong, Baofu, Lok Fu, etc.

Pros of third-party payment platforms

The third-party payment platform reduces the cost of directly connecting to the bank of **, enterprises and institutions, and meets the collection and payment requirements of enterprises focusing on the development of ** business. It is interest-neutral and avoids competition with the companies it serves in business. In addition, for merchants, the risk of not being able to receive payment from customers can be avoided through third-party payment platforms, and at the same time, they can provide customers with diversified payment tools.

For customers, not only can the risk of not being able to receive the goods be avoided, but also the quality of the goods is guaranteed to a certain extent, enhancing the confidence of customers in online transactions.