Why do offline businesses increasingly like “first come and pay”?
Editor’s note: This article is from WeChat public account “Know the program” (ID: zxcx0101 ), the author is cold thinking.
When you use the Gaode map to search for your destination, you can directly select the leftmost “Take” option to take a taxi. If you complete the pre-authorization when you take a taxi and let Gaode Map get your sesame credit score data, then when your sesame credit score is higher than 550 points, then you can use Alipay’s secret payment. Once the driver arrives at the destination, he can use the Alipay’s secret payment to deduct the payment, without having to re-enter the application and lose the password.
WeChat has just announced that the WeChat payment coverage covers taxi scenes and can provide similar functional services.
Pay by first, then automatically deduct
WeChat payment points are still a feature that many people have not yet touched, and define your credit rating through the frequency of your payment and performance on WeChat. It shares the same sesame credit, and is a payment tool that you use frequently in your daily life. It also provides you with a choice of credits.
The current WeChat payment coverage covers ten scenarios, charging treasure, online OTA reservation, shared travel, medical equipment rental, book rental, express logistics, network car, unmanned container, entertainment equipment, airlines travel .
WeChat pays the latest covered taxi scene, and also adopts the mode of first multiply and pay later. After the user opens the WeChat payment sub-service, the score will reach the opportunity to enjoy the “first pay after the taxi”, get on the train without prepayment, and automatically deduct the money after arriving at the destination. The “speed speed taxi” applet is the first web-based car program to support WeChat payment points. In addition to this small program, there are also Baidu maps, high-tech maps and other network car platforms.
This is similar to the application of WeChat payment points in other fields. For example, in the airline tour, users with WeChat payment scores above 550 can pass the offline scan code or WeChat before boarding. Search for “Spring Airlines” to enter the applet.After the real name certification, apply for “WeChat payment” in the “Personal Center”, you can also experience the first payment after the machine.
Credit system and credit payment are all offline extension tools
The WeChat payment coverage covers an additional area. In the field of credit payment, in addition to the new trend of WeChat payment, we can’t ignore the WeChat credit payment product that has recently appeared in the public view – “payment”.
Tencent has always been very cautious in the construction of the credit information system. But in recent years, they have begun to steadily cooperate with merchants, gradually promote their credit scores, and even launched their own credit payment products. This arrangement in the credit payment field is not to make money, or to touch areas that have not been tried, simply because credit payment is one of the most efficient marketing tools in offline transactions, which can increase the success rate of conversion.
The origin of credit payment was in the 1880s, when the target users of the British clothing industry were local tycoons. They like to buy expensive luxury goods, even if they accidentally buy more. The money you carry with you is not enough to cover your expenses. Therefore, the merchant has created a credit system that allows the rich to take home the things they want to buy directly, and then pay later
At that time, the British record card could only be used for short-term commercial loan-taking in specific places, and later applied in the tourism and commercial sectors, but the essence was still dependent on the capital credit of the wealthy population. A system. Later, there was a credit card. With the release of the first credit card by Franklin National Bank, the credit card became the most familiar credit payment tool.
The picture comes from: unsplash
and the credit system and credit card credit payment constructed by Ant Financial and Tencent are based on credit, but there are still many differences.
Check Sesame Credit Score, WeChat Payment It’s easier.
In the credit card era, how do you know the credit of the other party? The answer is to search for a letter, but the credit inquiry is very troublesome. You must entrust the agent to entrust the agent before you can check the credit information.
The Sesame Credit Score and WeChat Payout are not data that everyone knows, butIt’s easy to show it and verify it. Countless people have spent a lot of time on it, and they have accumulated a large amount of data for them. Together with the help of credit payment products, the long-established Sesame Credit Score can even be used as a basis for direct visa application. There is no need to provide bank deposit certificates or bank flow. .
It’s easy for everyone to show a credit score and payout points compared to the trouble of showing credit.
Sesame credit score, WeChat payment score, small amount can also be used
Although the offline scan code can now also use credit cards, but people have not yet swept the credit card consumption habits, more accustomed to using scan code to complete Paying is WeChat and Alipay. It is also difficult for people to buy food with credit cards. They use credit cards to buy clothes and jewelry, but they are not used to credit cards for small consumption such as grocery shopping. However, the online payment products of the Internet are not limited. Buying two yuan of vegetables, dozens of meat and eggs, all can be used for flower and donation.
For users, the credit payment tools installed in mobile phones are more convenient to use and payment is more convenient. For merchants, this low-cost credit payment is also their new opportunity.
The merchant wants to sell the goods to their guests. The payment method for the guests to choose how to pay is the same for them – as long as it is not credit, it is The same is true. Separation of credits with Sesame and WeChat is also a kind of “credit”, but people are more concerned about their “new era credit”, so the bad debt rate is low and the payment period is short.
and users also want to “pay first, then pay”, so businesses that offer them new payment methods will also become their new choice.
Buy pork can be used as a case of “first enjoy and then pay” sinking. The owner tells you that even if the price of pork rises, you still have flowers; renting a treasure can be shared by credit. The most important factor in charging treasure to the present, to remove the deposit of 100 yuan, a single consumption makes everyone more reassuring; now the offline mobile phone sales point also supports the credit payment of the installment, which is the previous user can only be online Enjoy the benefits, and now enjoy it in the Apple Store.
From online to offline, consumers want to buy Merchants want to sell, and the platform wants to reach a wider range.
Like the Alipay Apple Program Annual Summit on September 17th, General Manager of Alipay Small Business Unit Guan Zhong said in an interview with the media such as the program of awareness: “ The payment industry itself does not make money, and more is the ability to reach the scene.