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Alipay and WeChat in the overseas businesses covered with two-dimensional code, foreigners ye do not have?

via:博客园     time:2017/11/26 22:32:16     readed:879

"Chinese can pay fare with Alipay and enjoy the benefits."

During this year eleven, I went to Singapore to play in the taxi, the driver master recommended Alipay payment to me. As with the domestic taxi, the driver gave me a two-dimensional code, Alipay swept away to pay the fare. I pay the amount of the new currency, Alipay deducts the renminbi with the real-time exchange rate, but also offers 50 RMB.

In the days that followed, I found more similar mobile payment experiences in Singapore. In the Chinese tourist circle more famous restaurants, shopping malls and airport duty-free shops, Alipay payment supportAlso, Alipay also provides a greater intensity of concessions, if all the discount merchants all in one circle, can offer 600 yuan.

& mdash; & mdash; Of course, for Chinese tourists.

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Not only in Singapore, during the National Day this year, several popular destinations for Chinese travel in Hong Kong, Thailand, Taiwan, Japan, many restaurants, supermarkets, duty-free shops can brush Alipay.

According to the official statistics released by the ant gold clothes, the total number of people using Alipay for overseas spending during the National Day this year was more than 8 times of the same period of last year. Per capita spending has also risen sharply by nearly 50%. The main force of overseas consumption is 90, the proportion of users as high as 44%, the per capita consumption amount reached 1301 yuan.

A Chinese company that initiated the payment revolution is going overseas to buy explosive Chinese tourists are more willing to use mobile payments instead of credit card. This aroused the vigilance of Japanese financial institutions, they are also ready to launch their own mobile payment products.

Alipay so easy to use, foreigners feel it?

Alipay globalization, on the one hand is to enhance the experience of Chinese tourists outbound travel, of course, on the other hand: to facilitate overseas mobile payment services.

Over the past two years, Alipay's parent company, Ant Financial, has not only paid its payment technology overseas, but also paid licenses in many countries and regions such as Hong Kong, India and Malaysia and launched the local version of Alipay.

However, Alipay convenience services outside the powder is not a lot of foreign users. As of August this year, Alipay overseas version of the user reached 40 million. In contrast, as of June this year, Alipay active users in the country has reached 520 million.

In Hong Kong, Singapore and other places, the daily payment methods used by local residents are still traffic card instead of mobile phone. Traffic card payment in many countries and regions have been mature enough, users are accustomed to a short time difficult to change. Coupled with the issue of payment licenses and localized operation, it is not easy for China's mobile payment products to become the first choice of payment overseas. Recently, there have been media controversies in Hong Kong. Octopus cards are already convenient enough. There is no need to use Alipay.

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PayPal, Apple Pay is a larger competitor in Alipay's globalization. But even in PayPal, the dominant Apple Pay market in the United States, mobile payments are far behind the scale of China-based Dow Jones Newswires (September 2017) shows that China's mobile payments are 90 times larger than those in the United States.

Overseas users in their place of residence on the mobile payment and not much feeling. If you come to China to play, I feel very different from the Chinese.

In order to understand the status quo of overseas tourists paying in China, I went to Beijing Silk Street where foreign tourists get together. Whether it is coffee tea shop or clothing store, are prominently posted WeChat, Alipay payment two-dimensional code, some shops have VISA logo.

I observed a tea shop next to half an hour, the store's checkout counter put a big two-dimensional code, support WeChat, Alipay, Jingdong, Baidu wallet to pay, but foreigners can not register these payment accounts. Almost all foreigners coming to buy milk tea use cash.

In another clothing store that supports brushing VISA cards, the boss told me that the vast majority of foreign tourists who come to shop in cash are paid in cash, with only a handful of credit cards.

Silk Market also took into account the reality of foreigners to pay, at the information desk to provide foreign exchange RMB services.

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Silk shop market.

Watching people conveniently use mobile payments, and their cash slowly, these overseas tourists can only feel disappointed - mobile overseas payments in the overseas, they are very important breakthrough point.

In the service of these users, Alipay no special action. Instead, the buzzing Baidu wallet played the idea.

In July of this year, Baidu Wallet and PayPal reached a strategic cooperation. According to the cooperation agreement, the current cooperation between the two parties mainly provides cross-border consumer services to domestic Baidu wallet users.

However, the person in charge of Baidu Wallet told PingWest goods play, the cooperation between the two sides will also have the convenience of foreigners to consider spending in China.

"For overseas users, we will provide PAYPAL, VISA, MASTER cards and other foreign currency payment capabilities to domestic businesses in the follow-up period, as well as RMB settlements for domestic merchants. Meanwhile, PAYPAL acquired the largest aggregated payment platform Braintree, UBER, Airbnb, Booking and others are all Braintree partners. We also hope to rely on these scenarios to provide Baidu merchants, including glutinous rice and take-out, to domestic users. "

Statistics show that inbound tourist arrivals in 2016 reached 138 million. If you can serve this part of the user, Baidu Wallet will find their own living space.

In contrast, Alipay users in overseas promotion, an important form or electricity supplier. In Russia, Brazil and other countries keen on Taobao Sea Amoy, Alipay co-operates with local payment methods.

Last year, double-11 data show that the number of Alipay online transactions increased by 60% over the same period last year, a total of 224 countries and regions in the world with Alipay consumers to participate in buying and buying. Among them, the Russians best shopping history, transactions accounted for 48% of the total.

This year's double 11, Alipay shopping carnival promotion to more areas. For example, the Philippine version of Alipay GCash and the Philippines' second largest retail group Ayala's Glorietta Mall launched the exclusive GCash online shopping carnival; in Hong Kong, "Alipay HK" APP new users during the double 11 through 7-ELEVEN and Cirkle K Convenience Store and Standard Chartered Bank for Alipay HK account will receive Lynx Universal Bonus and Bonus for Twin 11 online shopping.

While electricity users drive overseas users to use Alipay, Alipay also launches taxis to pay for cars and collect coupons at the same time.

But for Alipay, everything has just begun.

Alipay received more than 30 countries and regions, but want to serve foreigners still one step further

After getting used to mobile payment in China, it will not be awkward to leave the country because the sign of "Alipay" will pop up from time to time.

Outside, you can think of the consumer scene, Alipay are helping you think of it. At present, the overseas offline merchant stores Alipay has access to over 30 countries and regions in Europe, the United States, Japan, South Korea, Southeast Asia, Hong Kong, Maucao, etc. Cover almost all kinds of food, beverage, supermarkets, department stores, convenience stores, duty free shops, theme parks, overseas airports, All eat and drink spending scenes.

Even on all flights between Finland and China mainland and Hong Kong routes, air shopping can use Alipay checkout; on the world's two largest cruise line & nbsp; Norwegian Cruise Lines and Carnival cruise, you can also use the Alipay sweep code payment.

Alipay has already supported 27 foreign currency settlements such as U.S. dollar, Hong Kong dollar, British pound, euro, Japanese yen, Canadian dollar, Australian dollar and Singapore dollar in order to meet the consumer demand of different people in different destinations. Moreover, Alipay platinum members can also enjoy a more cost-effective exchange rate.

A Singapore-based merchant said that after accessing Alipay, more options are available to tourists, and access is currently free. After access, Chinese tourists are more willing to pay by code, rather than cash.

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Interestingly, Alipay in many large overseas businesses access, many street shops also volunteered to provide two-dimensional code scan code payment, they use personal account collection, and the domestic street shops the same. I saw many such shops in Hong Kong.

A fish and egg powder shop owner said that some mainland tourists often ask whether they can scan codes and simply find the relatives of the mainland to help set up Alipay and WeChat accounts for the convenience of mainland tourists.

Whether it is WeChat or Alipay, the difficulty of promoting overseas does not seem to be at the client side but at the client side - Chinese consumers have a strong spending power Wherever there are Chinese tourists, businesses are willing to access Alipay, but most of the local Resident residents are still "on the sidelines."

In addition to the user inertia of credit cards and cash, the biggest threshold is real-name certification. According to the "Measures for the Administration of Online Payment Business of Non-bank Payment Institutions" promulgated in July 2016, all payment-type accounts must be subject to real-name authentication and account number The real-name level made a definition:

Class I accounts mainly for small payments, such as the most commonly used mobile phone red envelopes, but the balance of such accounts to pay the cumulative limit of 1,000 yuan; Class II accounts can be daily consumption, transfer, shopping, water and electricity costs, but not a year More than 100,000 yuan; Class III accounts can be large financial management, account balances to pay annual cumulative limit of 200,000 yuan.

In other words, you want to use a web wallet to "spend" at least Class II account. Class II accounts require cross-certification of three types of trusted information. Trusted information includes identity information authentication, bank card information authentication, telecommunications certification, academic certification, and the like.

Most foreigners can only provide identification information, that is, their country's passport information, but can not provide bank cards issued by China's issuing bank, China Telecom operators to provide real-name mobile phone, it is almost impossible to complete the type II account Real-name certification.

Alipay and WeChat in order to provide services to overseas users, in addition to meet the above requirements in China, but also to meet the payment of the country where the service is regulated. Once the regulatory policies of the two countries contradict each other, they will even be unable to provide services.

This is actually not the plight of China paying the sea, but also all other cross-border payment difficulties. Even veteran PayPal is cross-border settlement of compliance through some complex branch structure.

However, the business has been resolved, Chinese tourists also bring "promotion" effect. It may not be long before China pays its way to sea.

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