Since 2011, the central bank has issued 270 third-party payment service licenses to the market, valid for five years. However, when the first batch of payment licenses expired in August 2016, the central bank has clearly stated that it will no longer issue new licenses. This means that the payment licenses in the market will only be reduced, and the current stock base is only 255.
At the same time, the central bank increased the clean-up and rectification of unlicensed and illegal operations. During the "two sessions" this year, Fan Yifei, deputy governor of the central bank, pointed out that there are a large number of institutions in the market that are unlicensed in the payment business. The progress of the clean-up was announced. As of January this year, 239 institutions illegally engaged in payment business were cleaned up and cleaned up, and some of them have been transferred to the public security department for processing.
On the one hand, there are fewer and fewer stock licenses. On the one hand, the unlicensed edge ball can't be beaten. The market needs to be self-evident.
"Two things that have attracted attention in the recent payment market. First, the United States spent 720 million yuan to acquire Yeston Payments Co., Ltd. and won the payment license. Second, the China Payment and Clearing Association accepted the previous Ctrip prepaid card violation report, even if it was not Penalties, Ctrip's next step in how to conduct online payment business is also unknown." A third-party payment business person, Mr. Zhang told 21st Century Business Herald, "For the payment business, the importance of the license is more prominent, and the price is rising. ""
When the reporter inquired about the registration information of Yingtong Payment Co., Ltd. acquired by Gome, it found that the business scope of Yingtong Payment includes prepaid card issuance and acceptance (only in Beijing, Shanxi, Yunnan, Guizhou) and Internet payment (national). Compared with the previous payment license transactions, according to the reporter's incomplete statistics, the license transaction price of only these two businesses is the highest as the acquisition of Evergrande in August last year. Some media reported that the purchase price was 570 million yuan. The purchase price can be called a new high.
The aforementioned third-party payment business personnel told reporters that there are three main types of payment licenses in the market: online payment, bank card receipt, and the issuance and acceptance of prepaid cards. Among them, the network payment license is the most expensive. And online payment is subdivided into Internet payment, mobile payment, digital telephone payment and fixed TV payment. Among them, mobile payment license is the most expensive.
Mr. Zhang said that the market price of a third-party payment license with a business scope of Internet payment was about 500-600 million yuan. If there is a mobile payment service, it can be higher. The transaction price of Gome 720 million is certainly not low, and the tightness of the payment license is evident.
According to the market data of CICC, the overall transaction scale of third-party payment in 2016 (offline POS flow + online transaction scale) increased by 73% year-on-year to 87 trillion yuan, and it is expected to maintain 27% of the medium and high speed in the next 10 years. increase.
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