What is the charging standard of the payment interface ?
Reflected on the platform side, it is its profit model, which is the fundamental guarantee for maintaining the survival of the enterprise and developing and growing. At present, there are four types of third-party payment platform fees: handling fees, advertising fees, service fees, and interest income from accumulated funds.
1. Handling fee
Handling fee is one of the most traditional profit models for third-party payment platform fees. That is, the difference between the handling fee charged by the third-party payment platform to the user and the handling fee paid by the bank. For example, when you pay 2,000 yuan to a merchant through a third-party payment, the third-party payment charges the merchant a 1% handling fee, but it only needs to pay 0.5% to the bank, then the 0.5% handling fee is the income of the third-party payment. Mainly for personal business, there are functions such as transfer, cash withdrawal, payment, transaction SMS reminder, etc. For enterprises, there are mainly transaction fees such as inquiries, transfers, and salary payments.
2. Advertising fee
The advertising fee in the third-party payment platform fee is named Siyi, that is, some merchants issue promotional advertisements on the computer PC and mobile APP of the third-party payment platform, and the third-party payment platform will charge a certain amount of advertising fees. The level of this advertising fee depends on the popularity of the third-party payment platform and the coverage of users, and it occupies a relatively low proportion of the revenue of third-party payment institutions.
3. Service fee
There is another important profit point for third-party payment platform fees-service fees. It mainly includes service fees for wealth management-related businesses, and service fees charged by third-party cooperative merchants other than third-party payment agencies in the payment agency business. That is to say, the third-party payment platform solves different payment solutions for customers. In addition to providing payment services, it also has a series of other value-added services. And this model has gradually become the core profit point of various third-party payment institutions.
4. Interest income from deposited funds
Since online shopping has a cycle problem of logistics and distribution, there is a time difference between the arrival of the buyer and the seller and the receipt of payment, so some third-party payment institutions will have a part of the deposited funds in the payment account, that is, the reserve fund. For example, in 2014, the transaction volume of Tmall on the day of Double Eleven was 57.1 billion yuan. Let’s not talk about the stranded funds of Tmall’s transactions in other time periods, but the 57.1 billion yuan deposited in the bank and the interest obtained be objective. However, according to the "Administrative Measures for Payment Institutions Clients' Reserves", the ratio of risk reserves shall not be lower than 10% of the bank account interest, which means that payment institutions can obtain 90% of this huge amount of interest, and the profits are quite objective. Because the third-party payment institution has not announced the flow of this fund, it will involve issues such as fund security and legal risks.
While the third-party payment institutions have enriched people's lives, they have also brought some hidden dangers. In order to have better development prospects in the future, they need to continuously expand their business scope and add new profit points so as not to be eliminated by the Internet market. , in order to stand firm in the general trend of Internet finance.