聚合支付专题研究

2018年12月01日 随笔杂谈 评论 36 条
摘要:

聚合支付:也称“融合支付”,是指只从事“支付、结算、清算”服务之外的“支付服务”,依托银行、非银机构或清算组织,借助银行、非银机构或清算组织的支付通道与清结算能力,利用自身的技术与服务集成能力,将一个以上的银行、非银机构或清算组织的支付服务,整合到一起,为商户提供包括但不限于“支付通道服务”、“集合对账服务”、“技术对接服务”、“差错处理服务”、“金融服务引导”、“会员账户服务”、“作业流程软件服务”、“运行维护服务”、“终端提供与维护”等服务内容,以此减少商户接入、维护支付结算服务时面临的成本支出,提高商户支付结算系统运行效率的,并收取增值收益的支付服务。

聚合支付定义

聚合支付:也称“融合支付”,是指只从事“支付、结算、清算”服务之外的“支付服务”,依托银行、非银机构或清算组织,借助银行、非银机构或清算组织的支付通道与清结算能力,利用自身的技术与服务集成能力,将一个以上的银行、非银机构或清算组织的支付服务,整合到一起,为商户提供包括但不限于“支付通道服务”、“集合对账服务”、“技术对接服务”、“差错处理服务”、“金融服务引导”、“会员账户服务”、“作业流程软件服务”、“运行维护服务”、“终端提供与维护”等服务内容,以此减少商户接入、维护支付结算服务时面临的成本支出,提高商户支付结算系统运行效率的,并收取增值收益的支付服务。

聚合支付公司模式

方案一;

第一:首先你要有支付牌照,有自主清算的资质,中国人民银行行政审批公示:已获支付牌照机构

第二:有了以上的资质后,和微信,支付宝等机构签订机构合作协议

方案一的清算向利润最高,但是门槛也最高

方案二;

第一:和银行,支付机构合作,成本0-2元一笔,取决于你的资源以及谈判水准

第二:有了以上的资质后,和微信支付宝签订机构合作协议。

方案三;

直接与支付宝签订isv协议,成为微信支付服务商

(利润最低,受限最多)

方案四;(这是非法的方法,也是目前市面上低费率方案采用的方法)

申请低费率的微信支付宝商户通道,然后通过软件开发的方式实现分账功能,最后自行清算给商户。

聚合公司商业模式

1.扫码即关注公众号,粉丝营销

2.优惠券发放及朋友圈分享

3.移动广告

4.提供增值服务及行业解决方案

5.提供金融衍生品

创业机会

1.靠谱的聚合支付OEM

2.自己建立公司,收单为用户提供增值服务

36 条留言  访客:36 条  博主:0 条

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