NFC payment will come, the merchant's choice is still smart POS!

With Apple Pay entering China, Samsung and Huawei are all ready to launch their own mobile wallets. In fact, as early as the end of last year, the layout of China UnionPay in the cloud flash payment shocked the entire payment market. First, the 23 banks jointly issued “Cloud Flash Pay”, and then announced that they have reached Apple Pay and Samsung Pay cooperation with Apple and Samsung, and pushed the mobile payment method with NFC technology as the core, intending to recapture the payment market from Alipay and WeChat payment. Jiangshan hegemony.

NFC payment has its weakness

UnionPay’s combination of punches in the field of mobile payments is indeed awesome, and it has successfully attracted attention from the payment industry and the entire Internet. However, for the prospect of cloud flash payment, quite a lot of industry insiders have expressed a wait-and-see attitude. The prospect of the UnionPay cloud flash payment has not been consistently optimistic, mainly due to the uncertainty of NFC technology.

The concept of NFC is no stranger to the payment industry. In fact, in 2013, when mobile payment was still in the ascendant, NFC has been hot for some time. However, due to the inconsistency of technical standards, the long industrial chain and complex structure, and the high cost of B-end and C-end equipment, NFC has not been promoted, and the scanning code payment that is superior in these aspects has been popularized first.

Although the UnionPay has joined forces with many banks and announced cooperation with giants such as Apple and Samsung, but the technical standards have been completely unified, the game situation with upstream operators and downstream terminal equipment manufacturers, and C-side mobile phones with NFC function have not yet been popularized. How to solve the B-side business POS machine upgrade cost who will bear the burden... This series of questions has no very clear answer.

The unique advantage of scanning code payment

Compared to NFC payments, scan code payment is much simpler and clearer in the industrial ecosystem. Moreover, scan code payment has the advantage that NFC payment can't match, which is to help enterprises to carry out Internet management.

In the era of mobile Internet, payment is not only a transaction behavior, but also a key link in marketing. Through payment, merchants can identify consumers and establish relationships with consumers to lay the foundation for secondary marketing.

For example, the merchant can collect the payment through the palm POS smart POS, and can automatically make the consumer WeChat pay attention to the business public number, and based on the establishment of the association, and then accurately push the preferential information according to the consumer's consumption situation, gender, region and other information, Achieve mutual cross-flow between the line and the line.

Scanning code to pay for this kind of Internet marketing is not available in NFC technology. In the final analysis, this is due to the limitations of the NFC-led platform. It is impossible for UnionPay or major banks to help merchants’ bank accounts. Linked to the bank account of the consumer and can achieve information transfer. It is based on this unique advantage that scan code payment is almost invincible in the face of NFC payment competition.

Where are you going to face NFC merchants?

Of course, the payment giants led by UnionPay, major banks, and Apple and Samsung are pushing the cloud to pay, and NFC payment is not inferior to the scan code payment in terms of simplicity, so NFC payment is not impossible. Industry insiders predict that NFC payment may increase cooperation with smart POS vendors to integrate NFC payments into the technical form of smart pos to make up for its lack of Internet marketing.

Even so, in the case that the scanning code payment has obtained the first-mover advantage, the NFC payment must be completed at least one year's promotion period to complete the consumption habit cultivation and the upgrading of the B-end and C-end devices, so that it is expected to be in the next three to five years. Forming a payment pattern in which both the scan code payment and the NFC payment are coexisting.

For many merchants, the wise choice is to introduce mainstream smart POS in the market, such as Palm Smart POS. First, through the intelligent POS, the use of scan code payment development bonus period to speed up the import of fans, complete the online accumulation of accurate user groups, and explore the Internet marketing methods suitable for their own industry characteristics; second, smart POS is almost compatible with all payment methods, Including the traditional UnionPay card and NFC payment, until the NFC payment is popular, merchants can easily use NFC payment to collect money without replacing the device.

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