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WeChat to pay credit card payments to start charging | Tencent: due to the increase of channel fee subsidies

via:博客园     time:2017/11/8 12:12:09     readed:65

After the cancellation of the free cash withdrawal, WeChat also began to charge the credit card.

In November 7th, WeChat paid announcement said that since December 1, 2017, for each user every month cumulative credit card payments exceeded 5000 yuan part fee 0.1% (minimum 0.1), not more than 5000 yuan still free.

The reason for the credit card payment function suddenly charged, Tencent Inc in response to the twenty-first Century economic report reporter inquiries, each user will have the repayment channel fees, Tencent caifutong has been input subsidies. With the rapid growth of credit card repayment business, the payment channels and fees for subsidies have also increased substantially. In order to balance costs and sustainable development, business rules are adjusted.

Tencent adjusted the specific rules for credit card repayment charges:

1, the cumulative repayment of less than 5000 yuan per person per month, without any form of handling fees;

2, under the same ID card of multiple WeChat accounts, sharing 5000 yuan monthly free amount;

3, the calculation of the amount of money to the decimal point after 2, the lowest 0.10 yuan;

4, the fee in the user's repayment operation, and the amount of payment together;

5, for the repayment of others, the use of the payment of the free amount of the payment, not occupied by the free amount of the repayment party.

Buffer period WeChat gives the repayment of credit card fees: from December 1, 2017 to December 31, 2017, for the fee reduction activities: the monthly total repayment 20000 yuan, all fees relief; in addition, WeChat will not regularly fee concessions: the use of financial payment or appointment, in the WeChat credit card payment platform for the repayment of 3 months or more no fee, enjoy regular breaks randomly.

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The use of third party payment and credit card, charge is reasonable, which link is the cost?

A joint-stock bank credit card center said that the third party payment credit card will not charge a fee; only a few exceptions, so before Kara repay ICBC or the bank credit card, the cardholder lakala will charge 2 yuan / fee. Under normal circumstances, the bank will be to the third party payment companies charge or free or lose, but rarely passed on to cardholders.

A payment agency said that the third party credit card repayment, generally do not need to pay the service fee to the bank. On the contrary, credit card banks generally pay a certain fee to the repayment party, as a channel fee for repayment. But if the repayment cross, such as ICBC buckle money for China Merchants Bank credit card, there is the cost of the engineering buckle lines.

At present, Alipay's credit card payments do not pay. Before the credit card was charged, WeChat was already charging for it. In October 2015, WeChat announced the transfer (including WeChat transfer and face scan code) charges 20 thousand yuan per person per month to enjoy the free transfer amount, the excess fees charged by 0.1% of the standard; the payee is not required fee. By March 2016, WeChat had stopped charging fees for the transfer function. Since March 1, 2016, WeChat for individual users change the withdrawal function (from the change to the bank card) the excess charge a fee per user (ID dimensions) has accumulated 1000 yuan free of charge according to the amount of withdrawals, 0.1% more than 1000 yuan, each at least 0.1 yuan.

Because WeChat paid huge amount of customers of Alipay, the third party payment accumulated in the reserve account of the capital scale, from the client, which will produce the funds from the third party payment account to the bank account

The third party payment market, WeChat paid (caifutong), Alipay occupy the absolute market share. According to iResearch data, the two quarter of 2017, Alipay's market share accounted for 54% from the first quarter of the two quarter expanded to 54.5%; WeChat paid behind caifutong from 40% last quarter fell to 39.8%. Analysys think tank data show that the two quarter of 2017, Alipay's market share to 53.70% occupy the first, with the first quarter, the Tencent financial market share over the first quarter fell 0.4 percentage points to 39.1%.

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