According to Beijing News on February 21, more and more institutions began to join the army of credit card repayment charges due to the rapid rise of comprehensive costs. Recently, the latest news that Alipay's repayment will take charge system, then what is the Alipay reimbursement charge? Internet services into the charging era? In the future, the part exceeding 2000 yuan will be charged 0.1%.
After several months of WeChat's credit card payment, Alipay announced in February 21st that in order to provide users with better services, the service fee will be charged from Alipay to the credit card repayment from March 26th.
It is worth noting that unlike other third party payment institutions that charge credit card repayment, Alipay provides a free allowance of 2000 yuan per person per month. That is to say, the service fee is still free within 2000 yuan, and 0.1% for the part exceeding 2000 yuan. If users need to upgrade their free quota, they can be exchanged through Alipay membership points.
The industry said that for users, compared to consumption, financial services and other services, credit cards belong to the low frequency function, and in addition to WeChat and Alipay, users can pay free payment through bank network banking channels, the impact of this charge on users is limited.
Free for less than 2000 yuan:
Alipay's regulation of credit card repayment is not the first case in the industry. In August 1st last year, WeChat began charging for credit card repayment, charging 0.1% for each charge and no free quota.
The proportion of Alipay's fees is the same as that of WeChat. It is also 0.1%, but Alipay set 2000 yuan free quota for each user, and only charges 0.1% for the excess part. So no matter how much, Alipay will save 2 yuan on service charge than WeChat.
Insiders: limited impact on users:
Insiders said that due to the relatively large number of credit card repayment channels, there are still free channels such as online banking, so Alipay's adjustment has limited impact on users. In the announcement, Alipay also said that if the repayment is large, users can choose to pay free money through bank, Internet banking and other channels.
Alipay said that the reason for the charge was "faster overall operating costs". Adjusting the credit card repayment service rules is to alleviate some of the cost pressure.
Previously, when wechat announced the credit card repayment charges, it also said that "behind every repayment, there will be a payment channel service fee. In order to make the majority of users enjoy some free product experience, Tencent TenPay has been investing in the cost of service fee subsidies. '
Internet services into the charging era?
WeChat and Alipay have been charging for 'credit card repayment' again, triggering a discussion about whether Internet service has entered the charging era.
In the past few years, more and more services on the Internet have begun to charge. According to the survey of China's national copyright administration, in 2017, charging content accounted for almost half of Internet content. Users began to change from habit to habit when facing charges. According to iqiyi's third quarter financial report, the number of iqiyi members reached 80.7 million, an increase of 89% year on year. Member pay accounts for 41% of its revenue, while the former revenue pillar advertising accounts for 34%.
Industry insiders said that there is no eternal free mode in any industry. In a fully competitive market, whether the charges are paid or not depends on whether the services provided by the enterprise are worth paying for, and the level of the charges will tend to be reasonable in the competition.