According to reports, Ali and UnionPay Online are negotiating on the issue of Taobao's open payment channel, but the details are still to be determined. UnionPay and Taobao "love each other for years to come," which means that the majority of users can make payment settlements in Taobao through UnionPay in the future. From now on, in addition to Alipay, everyone has a good number of good hands.
As the payment channel for Ali products, Alipay has made a significant contribution to the integrity of the Ali system product line. UnionPay also used the payment channel and Alipay to compete in the third-party payment market for many years, and has never opened the UnionPay channel to Alipay users. But the most interesting place in the mall is that there are no eternal enemies. Even if the killings such as UnionPay and Alipay, they finally chose to "hand in hand" after more than a decade, and they were accepted as the payment channel for Taobao.
What is the "joining hand" mystery?
In terms of UnionPay, the cooperation with Taobao is undoubtedly to broaden the source of customers for the payment service through the Taobao market. However, Taobao has finally “accepted†UnionPay after many years. In fact, many UnionPay users have already registered Alipay and have been using it. UnionPay has become a newly opened payment channel. From the actual utility point of view, it is slightly in the Taobao payment system. Taobao can bring more customers to UnionPay, and whether the cooperation between the two will bring the expected advantages of UnionPay remains to be seen.
As far as Taobao is concerned, opening a UnionPay payment channel is not a superfluous move. In today's third-party payment market, the openness and transparency of payment channels is particularly important. Especially in the environment where the security and transparency of the "fund pool" payment platform such as WeChat payment and Alipay are increasingly questioned, the quadrilateral model adopted by UnionPay - a transaction is completed, except for UnionPay, the central bank, Cardholders, issuers, and acquirers can see the transaction details and are more secure and transparent from the cardholder's point of view. Therefore, the hands of Taobao UnionPay, to a certain extent, are also conducive to Taobao's external security payment image.
For this "century reconciliation", how do smart POS companies play a good hand?
For smart POS vendors, in the face of UnionPay holding hands with Alipay, how can we not smash a good hand, first of all, it is natural to realize the reality of the diversification of payment methods and its necessity. In a market environment where the third-party payment market is more cooperative, smart pos providers should increase the payment types supported by the equipment to meet market needs.
In addition, "seeing the needle" is also a trick. After all, UnionPay and Alipay are essentially different in nature and function, and the business of both parties is not completely docked. Smart POS vendors may wish to develop more functions for the cooperation between UnionPay and Alipay in the context of the “slightly sloppy†status of UnionPay analyzed in the previous section. For UnionPay users and Alipay users in more environments than Taobao. The "hands-on" provides more advanced technical conditions, thereby preempting the third-party payment platform.
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