Two major payment institutions pay the fee reduction of more than 10 billion yuan to benefit tens of millions of small and micro merchants

Reporter Li Bingbing

On August 17, WeChat Pay disclosed the "transcript" of small and micro -enterprises' staged fees. From September 2021 to June 2022, WeChat Pay has accumulated a total of about 3 billion yuan in payment service fees, benefiting the small, benefiting the small There are more than 20 million micro -merchants.

On August 16th before, Alipay also announced the phased fee reduction and profit data. From August 1st, 2021 to August 16, 2022, the cumulative cost of the small and micro merchants' business cost was nearly 8 billion yuan, which benefited more than 2200 more than 2200 Wan Merchants and small and micro operators.

The industry generally believes that from the data released by the two head payment institutions, the reduction in the Internet payment field has made the effect significant, and the support for small and micro enterprises is greater, which is conducive to the effects of improving the operating environment of small and micro enterprises.

Payment institutions implement the policy reduction policy

Small and micro enterprises and individual industrial and commercial households are an important part of the market economy, and have a profound impact on stabilizing the economy and promoting employment. In 2021, the four departments such as the People's Bank of China and the China Banking Regulatory Commission jointly issued the "Notice on Reducing the Payment Fee of Small and Micro -Enterprises and Individual Industry and Commerce" (hereinafter referred to as the "Notice of Feences") and implemented from September 30, 2021. Although the implementation of the "Time Reduction" is less than one year, the "transcript" issued by the two head payment institutions is very dazzling.

"Securities Daily" reporter sorted out the relevant information and found that before that, Alipay and WeChat Pay had issued a lot of "big gift packages" in reducing the operating costs of small and micro -merchants. For example, starting from August 1, 2021, Alipay has launched a 10 % discount on online payment services such as small and micro enterprises and individual industrial and commercial households that meet the standards, and continue to continue the receipt code for free withdrawal measures until September 30, 2024, 2024. Essence The Alipay merchant service channel also opens more than 2,000 digital tools to Xiaowei merchants, most of which can be used for free. Since September last year, WeChat Payment has taken two measures such as online payment business fees and reduction of small and micro -merchant payment accounts for small and medium -sized merchants who meet the cost reduction standards, covering small and micro enterprises, individual industrial and commercial households There are three types of individuals with business behavior.

In response to the issue of whether the expenses can be continued in the future, WeChat payment states that the fee reduction cycle will continue until 2024. It is expected that the overall goal of "3 years of cost reduction to make a profit of 10 billion yuan" is expected. The relevant person in charge of WeChat Pay told the "Securities Daily" reporter, "It will make a comprehensive judgment of enterprise customers in accordance with industry categories, transaction volumes, etc. through the division of the Ministry of Industry and Information Technology, and further subdivide small WeChat enterprises in accordance with industry categories, transaction volume, etc. Customers, achieve accurate help and effective support. "

The relevant person in charge of Alipay told the "Securities Daily" reporter, "It will continue to promote the reduction of expenses, benefit more merchants, help improve the operating environment of small and micro enterprises and individual operators, and promote the development of the real economy with the industry."

"Payment institutions actively implement the policy reduction policy, which is conducive to effectively improving the operating environment of small and micro enterprises. At present, the payment institution is indeed paying for the reduction of small and micro enterprises to reduce the fee for small and micro enterprises. Wang Pengbo, a senior analyst at the financial industry, told the Securities Daily reporter.

The cost reduction is a win -win measure

In addition to Alipay and WeChat payment, many payment institutions have disclosed the cost of reducing fees to make progress.

Lianlian International is mainly for cross -border payment fields. According to data from the reporter provided by the Lianlian International to the Securities Daily, in the past year, Lianlian International's fee reduction measures have benefited about 80,000 users, and the user's related handling fee is about 100 million yuan. In addition, Lilian International has achieved a certain degree of burden reduction for the company's exit enterprises through various methods such as deductible receipt and withdrawal fees and overseas payment cashback.

The relevant person in charge of Meituan Pay told the "Securities Daily" reporter, "The B -end service targets paid by Meituan are mainly small and micro -merchants such as catering, retail, cultural tourism and other services. The online payment service fee is 10 % discount, and a number of measures such as the exclusive billing fee subsidy will be launched. "

In addition, many payment institutions have released the "big gift package" for small and micro enterprises. For example, Jingdong Payment Announcement states that small and micro enterprises and individual industrial and commercial households that meet the standards can enjoy the payment fee of 10 % off, the maximum simplified processing procedures, and the exemption of withdrawal services for withdrawal services. In response to offline consumer transactions of all standard merchants debit cards, Lakara implements the discount of 10 % discount on the service fee of the issuing card and the transfer of liquidation. From September 30, 2021, Yibao Payment has continued to exempt the payment account withdrawal fee for merchants who have opened the payment account business; Folding discounts and other measures.

Zero -One Financial Dean Yu Baicheng told the "Securities Daily" reporter that the number of small and micro merchants served by the payment institutions and the high number of transactions. Let the interest policy be implemented. The reduction of fees not only meets the policy orientation, but also can actively expand the small and micro digitalization business for the payment institutions.

- END -