"now the payment in China is so convenient.RainbowrichesfreespinsnodepositI can meet my payment needs with my own credit card, so I don't have to go around looking for banks to change RMB. " Peter, a tourist from the United States, excitedly said that the way of payment in China has changed a lot compared with that of a few years ago. He has been visiting China with his family for a month, and it is easy to pay wherever he goes.

While we enjoy the convenience of mobile phone "scan" payment, foreigners who are used to swiping credit cards and the elderly who use cash have encountered a lot of trouble, and even have the feeling that "money cannot be spent". In March this year, the General Office of the State Council issued the "opinions on further optimizing payment Services to enhance payment convenience". China's financial institutions and payment institutions launched a battle to improve payment convenience, based on the principle of "cash backing, large amount of credit card swiping, and small code scanning" to optimize payment services and comprehensively enhance the payment experience of "one old and one foreigner".

If a friend comes from afar, he will give way to enter the country and pay without "outside".

According to statistics, since the release of the "opinions on further optimizing payment Services to improve payment convenience", 900000 immigrants have used "external card binding" and 1.13 million people have used "outsourced internal use". A total of 19.05 million transactions have taken place, with a total amount of 2.7 billion yuan, an increase of 10% and 11% over March.

In the face of the blue ocean of overseas payment, the landing of payment institutions is the key core. It is understood that the accompanying payment is currently one of the few receiving institutions to disclose the actual progress of the transformation of foreign cards. It has been disclosed that foreign card acceptance and renovation work has been carried out in 20 provinces, cities, cities and autonomous regions, including Beijing, Jiangsu, Guangdong, Hunan and Hubei, and has been covered by key merchants in hot foreign-related scenes. At present, the newly laid machines and tools have a new record of swiping by foreign cards.

In addition, in mid-March this year, the accompanying payment disclosed that it had reached a cooperation with Unicom (Hangzhou) Technical Services Co., Ltd., a joint venture company of American Express in China, as the receiving partner of American Express in China. Officially online access to the American Express card merchant billing system. The cooperation marks the participation of the accompanying payment in the American Express global payment network, which further enhances the service capacity. In May, MasterCard Information Technology (Beijing) Co., Ltd. (hereinafter referred to as "MasterCard") officially opened and launched the clearing business of MasterCard brand bank cards in China. Accompanying payment, as one of the first member organizations of MasterCard, will provide new "China MasterCard" bank card products to merchants in China.

In terms of card organization cooperation and link ability, relying on long-term accumulation and pre-investment, accompanying payment has been directly connected to Visa, MasterCard, American Express and other card groups, and actively deploy foreign card collection orders to land more, in order to provide more scenarios and product support.

The localization of payment institution channels is the key core.

Not only the competition in the foreign card payment service market is fierce, but also the competition in the sinking market of the payment industry is becoming more and more intense. QuestMobile data show that with the continuous outbreak of 5G and mobile Internet applications, the number of users in the sinking market, including third-tier cities and below, continues to grow, reaching 6. 6 percent as of March this year.Rainbowrichesfreespinsnodeposit.4.7 billion, accounting for 52.6% of the entire mobile Internet market, showing great potential.

The sinking of the landing channel of the accompanying payment is very representative. it is understood that as early as at the beginning of its establishment, it focused on the small and micro businesses ignored by the market, and launched the "Star Plan" strategy in 2019 to quickly sink the market through offline employees. At the same time, through the "offline + online" joint development to promote the growth of payment efficiency, accompanying payment has widely infiltrated its own business into catering services, entertainment and leisure, intelligent property, transportation and other fields.

Most of the merchants sinking into the market are small and micro merchants, which are limited to their own scale, business form, customer base and other factors, and often have problems such as chaotic accounting management, low efficiency, weak data analysis ability, and so on. When designing the products of payment service institutions, must meet the order collection needs of small and micro merchants. The accompanying smart payment open platform perfectly solves these problems. On the basis of providing efficient and secure basic payment service support, it provides merchants with intelligent retail system, AI marketing, full payment open platform and other services to meet the multiple needs of various new scenarios. At present, accompanying payment is widely used in vending machines, unmanned shelves, unmanned convenience stores, etc., covering many industry segments such as new retail, catering, community e-commerce and so on. Good product quality and quality service make the channel advantage of accompanying payment continue to expand.

At the license layout level, the accompanying payment has a complete payment license layout, bank card receipt license, Internet payment license, mobile payment license, cross-border RMB settlement qualification and other licenses, is one of the few full-license payment companies in China.

At present, the accompanying payment has set up 28 branches across the country, and according to the financial report, it continues to promote the strategic transformation this year, speeding up the pace of digital transformation. Digital payments increased by more than 100% year-on-year, reaching the level of about 640 billion yuan. At the same time, PaaS platform continues to introduce more than 300 new partners, forming a comprehensive payment user pattern with extensive layout and comprehensive coverage, deepening the layout with the core concept of "landing" and "refinement", building a moat in the sinking market for the business, and becoming the "leader" in the sinking payment scene. In the future, the accompanying payment will continue to build the core competitiveness of science and technology, help small enterprises to upgrade digitally, and build a high-quality, efficient and warm payment service environment.

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