While most payment institutions do not want to be removed from the central bank's list of payment licenses, some payment institutions voluntarily cancel their payment licenses.
Author | Zhang Haodong
Produced | Payment Encyclopedia License resource.
There are still two months before the renewal of the next batch of payment licenses. In this node that does not seem to be subject to license changes, another payment license is quietly missing.
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40 payment licenses cancelled
Today, "Payment Encyclopedia" noticed that the central bank's official website updated the list of payment license cancellations, Anhui Wanken Business Investment Services Co., Ltd.'s payment license was cancelled, becoming the 40th payment license to be cancelled.
The detailed information of the institution shows that the legal representative of Anhui Wanken Business Investment Service Co., Ltd. is Cheng Jun, who obtained the payment business license issued by the central bank in July 2013, and completed the renewal in 2018. The license is valid for July 2023.
Anhui Wanken Business Investment Service Co., Ltd. has a license for issuing and accepting prepaid cards. The remarks of the license information show that this payment license was voluntarily cancelled by Anhui Wanken Business Investment Service Co., Ltd., not forced by the central bank due to business violations log out.
Since last year, a number of prepaid card institutions have begun to voluntarily cancel their payment licenses. Shanxi Golden Tiger Information Service Co., Ltd., Anhui Huaxiatong Payment Co., Ltd., Aiden Reed (China) Co., Ltd., Yujia Payment Co., Ltd. and other institutions have all given up Prepaid card issuance and payment acceptance license.
is different from the bank card acquiring license and the Internet payment license. The two types of licenses have not yet been cancelled by the payment institution. The payment institution hopes to keep these two types of licenses, and the institutions that lose the licenses are all It was cancelled by the central bank due to its own problems.
According to the current cancellation of payment licenses by the central bank, prepaid card issuance and acceptance licenses account for the vast majority of the cancelled licenses. As prepaid card institutions become more difficult to make money, many payment institutions have chosen to quit the prepaid card industry.
After the central bank canceled the payment license of Anhui Wanken Business Investment Service Co., Ltd., the latest number of payment licenses is 231. has a maximum of 271 payment licenses, and now a total of 40 payment licenses have been cancelled, and the number of payment licenses continues to be reduce.
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Prepaid card has become a cancellation of large households
In the payment license renewal in May, the central bank announced the payment license renewal results. Due to the planned integration with UnionPay Commerce, an application for suspension of renewal review was submitted to the People's Bank of China.
That is to say, after the integration of payment license resources, the businesses of the three payment institutions will be migrated and merged into the territorial branch of UnionPay Commerce, relying on the payment business qualifications of UnionPay Commerce to conduct business, which will also reduce the number of payment licenses by three more. .
As the central bank tightens payment licenses, the resources of payment licenses are becoming more and more valuable, but prepaid cards seem to be an exception. For prepaid card institutions, on the one hand, there is no possibility to sell payment licenses , on the other hand Relying on the prepaid card business has become very difficult to make a profit.
In recent years, the acquisition of by the payment license has occurred frequently, but almost no Internet giants have specially acquired a prepaid card license, which also reflects the embarrassing situation faced by prepaid card licenses. The scope is limited to a certain province, making its value very limited.
After the central bank implemented the new reserve fund regulations, prepaid card institutions were hit the hardest. Prepaid card institutions that lost the reserve fundinterest income have become more and more difficult to survive, and only through prepaid card business can no longer open up room for growth.
Previously, a number of prepaid card payment institutions were revoked China Payment and Clearing Association membership. Except for some payment institutions whose payment licenses were cancelled, other prepaid card institutions were more likely to be unwilling to pay 50,000 yuan per year. dues.
An industry insider told PayEncyclopedia that it is expected that a large number of prepaid card institutions will withdraw from the China Payment and Clearing Association in the future. The fundamental reason is the annual fee problem. extra burden.
The current market environment determines the fate of some prepaid card institutions to be eliminated. In the era of mobile payment, the advantages of prepaid cards are gradually lost. For some institutions that are difficult to operate or have no actual business, cancellation of prepaid card licenses is also a future trend.
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