1, Tenpay is a platform, and WeChat payment is a product.
Tenpay is a third-party payment platform, and WeChat payment including QQ wallet are products on this payment platform. Tenpay supports the basic payment ability and technical support of WeChat payment.
2. Tenpay is the leader and WeChat payment is the staff.
The structure of WeChat payment belongs to Tenpay, that is to say, WeChat payment is just a new expression of Tenpay product model, and its core and license correspond to Tenpay. For banks, Tenpay is the payment institution that has signed a contract with them, so the prompt message of the bank card is that Tenpay function has been opened.
3. Tenpay obtained the third-party payment license in May, 20 1 1. At present, WeChat has not applied for a third-party license separately.
In essence, WeChat is the front-end channel, the back-end business takes Tenpay, and the payment transfer is completed by Tenpay. In other words, WeChat completes business scenarios, and background processing such as payment transfer system should be Tenpay.
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Comparison of the top three third-party payment platforms in China-Alipay, Tenpay and UnionPay
I. Alipay
1, background overview
Alipay (www.alipay.com) was founded by Alibaba, the world's leading B2B website, and launched on Taobao in June 2003. Alipay is committed to providing various safe, convenient and personalized online payment solutions for e-commerce in China. At present, in addition to Taobao and Alibaba, there are more than 200,000 merchants who support the use of Alipay.
Alipay has won the recognition of banks and other partners by virtue of its advanced technology, risk management and control in the field of electronic payment. At present, it has established strategic cooperation with major domestic commercial banks, China Post, VISA International and other institutions, and has become a trusted partner of financial institutions in the field of online payment. Alipay is a pioneering work in the development of Internet and a milestone in the development of e-commerce.
Alipay's concept of building trust, simplifying complexity and improving the credit system through technological innovation has won the hearts of the people. In just three years, users have covered the whole C2C, B2C and B2B fields. As of September 1 day, 2008, the number of users using Alipay has exceeded 1 billion, the daily transaction volume of Alipay exceeds 450 million yuan, and the daily transaction volume exceeds 2 million.
At present, in addition to Taobao and Alibaba, there are more than 330,000 merchants who support the use of Alipay trading services; Covering virtual games, digital communication, commercial services, air tickets and other industries. While enjoying Alipay services, these businesses have a very potential consumer market.
2. Charging method
Charged object: Alipay users who collect money from other Alipay users through services such as "I want to collect money", "AA collection" (including using Alibaba Want Want to collect money in Alibaba Want Want Group) and secured transaction collection, and/or Alipay users who pay money to other Alipay users through services such as "I want to pay", "gift money" and "paying rent" (the above services are included in this agreement)
Detailed charging rules: for non-certified accounts, if the "transaction flow" completed by the account is below 500 yuan RMB (Wu Bai) (including, the same below), there is no need to pay the service fee; If the completed "transaction flow" exceeds RMB 500 yuan (Wu Bai) (excluding the principal amount), the fee shall be paid according to 65438+ 0.5% of the excess amount, and the service fee for each transaction involved is the lowest 1 yuan and the highest 100 yuan. The provisions of item 6 of this article shall be applicable from the date when the authentication of non-certified accounts is completed. The service fee paid before the certification is completed will not be refunded after the certification is completed.
For authentication accounts, if the "transaction flow" of all authentication accounts held by the same authentication user is less than RMB 5,000 (inclusive) in a natural month, there is no need to pay the service fee to the company; For the completed "transaction flow" exceeding RMB 5,000 (excluding the principal), the service fee shall be paid to the Company at the rate of 65,438+0.5% of the excess, and the service fee for each transaction involved is the lowest 1 yuan and the highest 100 yuan.
Supplementary note: The "transaction flow" in which the accumulated amount of non-certified accounts in a natural month is lower than that in 500 yuan (Wu Bai) and the "transaction flow" in which the accumulated amount of all certified accounts held by the same authenticated user in a natural month is less than 5,000 yuan (five thousand yuan) are collectively referred to as "free transaction flow", and the "transaction flow" that exceeds "free transaction flow" is collectively referred to as "charging transaction flow".
3. transaction process: login to AliPay-> buyer pays seller-> seller receives payment-> seller delivers goods-> buyer receives goods.
Schematic diagram of buyer's payment:
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Schematic diagram of seller collection
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4. Preferential payment
There is a "Wow, Alipay" column on Alipay official website, which contains various consumer preferential activities for Alipay users, such as free trial and participating in activities to win points. Of course, many of them are actually on Taobao. Generally speaking, the payment preferences provided by Alipay to users are very selective and rich in content.
5. Recharge channels
Alipay supports eight recharge channels: account balance, online banking, offline branch payment, credit card payment, mobile phone payment, consumer card recharge, international card payment and voice payment.
Second, Tenpay (Tenpay)
1, background overview
Tenpay (www.tenpay.com) is a professional online payment platform officially launched by Tencent in September 2005, which is dedicated to providing safe, convenient and professional online payment services for Internet users and enterprises.
Tenpay has built a brand-new comprehensive payment platform, covering B2B, B2C and C2C fields, providing excellent online payment and clearing services. For individual users, Tenpay provides rich functions including online recharge, cash withdrawal, payment and transaction management. For enterprise users, Tenpay provides safe and reliable payment and clearing services and distinctive QQ marketing resources support.
Tenpay has successively won the Top Ten Award of Electronic Payment Platform in 2006, the Best Convenient Payment Award in 2006, the Platform Award with the Most Growth Potential of Electronic Payment in China in 2006 and the Award of the Most Competitive Electronic Payment Enterprise in 2007. In 2007, Tenpay took the lead in obtaining financial support from the National E-commerce Special Fund.
After registering TenPay, individual users can easily shop in Paipai.com and more than 400,000 shopping websites. Tenpay supports online banking payment of major domestic banks, supporting supporting account functions such as cash withdrawal, collection and payment, and providing special convenience services such as mobile phone recharge, game recharge, credit card repayment and air ticket area.
For enterprise users, Tenpay has built a brand-new comprehensive payment platform, covering B2B, B2C and C2C fields, providing excellent online payment and clearing services. It also provides safe and reliable payment and clearing services and distinctive QQ marketing resources support, and shares 300 million Tencent user resources with merchants.
2. Charging method
Tenpay Company will charge users a transaction fee according to the transaction amount (hereinafter referred to as "transaction amount") of goods and/or services such as Q coins and Tencent value-added services purchased by Tenpay through train merchants (hereinafter referred to as users) from 0: 00 on February, 2065438. The charging rules are as follows: If the transaction amount is between 0 yuan and 300,000 yuan, 0.8% of the transaction amount will be charged.
Tenpay will determine the handling fee rate in the initial month (i.e. February 20 10) according to the trading volume of goods and/or services such as Q coins and Tencent value-added services purchased by users in June 20 10. After that, on 1 day of each month, Tenpay will adjust the transaction fee rate charged to users in that month according to the transaction volume of goods and/or services such as Q coins and Tencent value-added services purchased by users last month. ?
Tenpay will charge users separately according to regulations for the expenses incurred by users in purchasing Q coins and other commodities and Tencent's value-added services and/or services themselves. The transaction fee will be automatically deducted by Tenpay on the second day after the user completes the current transaction. If the deduction is unsuccessful for 30 consecutive days, Tenpay will regard the user as a breach of contract, and Tenpay will stop providing services to the user's Tenpay through train account. Any loss caused by the user changing the account number or insufficient funds in the account number shall be borne by the user himself.
3. transaction process: login tenpay-> buyer pays seller-> seller receives payment-> seller delivers goods-> buyer receives goods.
Schematic diagram of buyer's payment:
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Schematic diagram of seller's collection:
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4. Preferential payment
Tenpay official website also has a "discount!" All payment benefits of Tenpay users can also be found here; Similar to Alipay, many discounts here also come from patting. In addition, some concessions come from the cooperative merchants of Tenpay. Generally speaking, users can find real discounts here.
5. Recharge channels
Tenpay mainly supports six recharge methods: account balance, online banking, offline branch payment, credit card payment, mobile phone payment and consumer card recharge.
Third, ChinaPay.
1, background overview
UnionPay Electronic Payment Service Co., Ltd. (www.chinapay.com/) is a professional bank card service company controlled by China UnionPay. It has a national unified payment platform, mainly engaged in online payment and value-added services of bank cards based on the Internet, B2B account payment, telephone payment, online inter-bank transfer, online fund transaction, corporate public and private fund payment, self-service terminal payment and other emerging channels. It is a network army under China UnionPay.
2. Charging method
Channel type: 3D channel
Open users: enterprises
Access fee: 2000
Annual service fee: 3,000 yuan
Handling fee: 3%
Deposit: 10%
Margin settlement:/kloc-rolling settlement in 0/80 days.
Time deposit: 20,000 yuan
Settlement cycle: once a week, and Tuesday is the settlement date.
3, the operation process
(1), consumers browse the merchant's website, buy goods, put them in the shopping cart and enter the cashier;
(2) the online merchant generates a payment bill according to the contents of the shopping cart, and calls the merchant interface plug-in of the ChinaPay payment gateway to digitally sign the payment bill;
(3) The online merchant submits the payment slip and the merchant's digital signature on the payment slip to the consumer for confirmation;
(4) Once the consumer confirms the payment, the payment slip and the merchant's digital signature on the payment slip will be automatically forwarded to ChinaPay payment gateway; ?
(5) the payment gateway verifies the identity and data consistency of the merchant who pays the bill, generates a payment page to show to the consumer, and establishes SSL connection between the consumer browser and the payment gateway;
(6) The consumer fills in the card number, password and expiration date of the bank card (applicable to credit cards), encrypts the payment information through the payment page, and submits it to the payment gateway;
(7) After verifying the transaction data, the payment gateway assembles the consumer transaction according to the requirements of the bank card transaction center, and encrypts it through the hardware encryption machine and submits it to the bank card network center;
(8) the bank card exchange center routes the transaction request to the consumer's card-issuing bank according to the payment bank card information, and the banking system returns the transaction result to the bank card exchange center after processing the transaction; ?
(9) The bank card transaction center sends the payment result back to ChinaPay payment gateway;
(10), the payment gateway verifies the transaction response, digitally signs it, sends it to the merchant, and displays the payment result to the consumer;
(1 1). The merchant receives the transaction response message and carries out subsequent processing according to the transaction status code.
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4. Preferential payment
There is no payment discount for users.
5. Recharge channels
UnionPay supports three recharge methods: account balance, online banking and offline branch payment.