• Scott Cendrowski 2014年11月04日
中国决定对Visa、万事达和境外其他支付处理机构敞开大门,这对支付宝和苹果Apple Pay而言也是个好消息。

    上周,马云提出要让支付宝(Alipay)和苹果支付(Apple Pay)在中国合作,不过当时他的这个提议显得并不合理。





    上周三,由李克强总理领导的中国国务院宣布,中国将对Visa、万事达和美国运通(American Express)等国外公司开放支付系统。一直处于弱势地位的支付宝也有可能位列其中。十多年来,中国一直禁止这些公司发放自己的银行卡,强迫他们使用银联网络并缴纳费用。在此期间,银联成长为一家羽翼丰满的垄断巨头。



    The idea of an Alipay and Apple Pay partnership in China —suggested by Jack Ma this week—didn’t make a lot of sense when he said it.

    Alipay is China’s most popular online payment system used for online purchases including Taobao orders, paying utility bills, movie tickets, and other shopping sites. It is not like Visa, Mastercard, or China’s own UnionPay, which have a network of tens of thousands of merchants and swipe stations. Walk around Beijing or Shanghai and you’ll see plenty of signs for UnionPay, the state-owned processor that enjoys a monopoly within China, and barely any for Alipay.

    Apple’s new Apple Pay, meanwhile, is a mostly physical experience. You forgo the hassle of swiping a credit card at the cash register for the ease of touching the iPhone’s home button at two hundred thousand locations that have signed on with Apple. Yes, it has an online component that makes online shopping easier, but its allure is the physical component, just as Alipay’s allure is online.

    So when Ma brought up a partnership, it wasn’t clear what Alipay could offer Apple in China: it doesn’t have payment installations across the country and even where it did—in some stores it previously setup QR codes at cash registers that customers scanned with Alipay—UnionPay told Alipay to route them through UnionPay’s network.

    But Jack Ma doesn’t choose his words lightly. What he says carry weight even if it is difficult to understand. Just two days after he spoke on a stage with Tim Cook in the audience, China’s government announced a massive change to the payments system that supported Ma’s idea of a partnership.

    Late Wednesday, China’s State Council, the Communist Party’s 35-member policy board led by Premier Li Keqiang, announced China would open its payment system to foreign companies like Visa, Mastercard, and American Express, which it had long discriminated against. It might have well have added Alipay, which has also been disadvantaged. China has blocked foreigners for more than a decade from issuing their own cards and forced them to use UnionPay’s network, handing over a cut of the fees. During that time, UnionPay grew into a full-blown monopoly.

    Alipay has similarly faced off against UnionPay. Last August, Alipay abruptly said it shut down its offline point-of-sales service—the limited physical locations it had—for “obvious reasons” after UnionPay said Alipay’s transactions must be integrated into its network. It was a bold power grab, but one with state support.

    “Alipay decided to quit offline payments altogether because it does not want to subject itself to UnionPay’s control,” China’s business magazine Caixin quoted a source saying at the time.

  • 热读文章
  • 热门视频
扫码打开财富Plus App