Micro-withdrawal fees, is a derivative of the bully? -Micro-payments, slightly red, slightly-IT information
It seems that there is no free lunch, app official said in a statement yesterday, March 1, individual users of the micro-change function (from small changes to bank card) begin to charge a fee for the excess , and before that after transfer more than 20,000 yuan to pay 0.1% fees provisions set aside, replaced by free, like "robbing Peter to pay Paul". Some users hear "charge" to express dissatisfaction, but provides services to charges taken for granted, and the app also gave his reasons , we may wish to discuss here the app's real purpose is.
Required by the app, per user (ID dimensions) 1000 trillion yuan for life free cash withdrawal limit, exceed 1000 parts charges at the bank rate, current rates are 0.1%, each received at least 0.1 Yuan, micro letter envelopes, face-to-face payments, AA collection and other functions are not affected. Micro in writing that it is not in the pursuit of revenue, but rather to cover the bank charges .
And compared competition opponents, paid treasure currently does not charged mention now, and transfers, procedures fee, and now many phone bank Zhijian of across line transfers are has from received procedures fee, to Bank save more not charges has, so micro-letter move take has must of risk, may will led to user to paid treasure, transfer, although general user not to several hair money change himself habit of habits, but micro-letter adventure of behind certainly has its purpose.
Insiders said that the app's real purpose is to build a micro-payment . The current "my change" there are three ways: pay, cash and financial management, now charge for withdrawals, the user will suppress the urge to withdraw, change for direct consumption or financial management. Currently micro-letter in the on has many consumption scene, "wallet" in the on established has phone recharge, and credit card repayment, and financial pass, and life payment, variety application scene, but currently these function user General habits with paid treasure or to Bank to completed, user viscous lower, micro-letter natural to trying to solution, mention now charges is measures one of, and Tencent also has said, "with savings card purchase financial pass products, mention now free", purpose not statements since Ming. Since withdrawals fee, users will be increasingly used in daily life of consumption, such as parking fees, shopping checkout to pay, it will gradually increase the scale of micro-payment system, and a red hair, red is no longer confined to a cell phone, but also can expand the micro-payment business.
In addition, the app is now charging for other people than many General People's Congress, which is derivative . Initiate derivative, many people had the impression that sell masks, cosmetics, development line and, every day they have a lot of money in and out, are inevitable. Fees will be paid to micro-a fee now, some people say this is "derivative" and micro-letters have also made a note, saying formal micro-producers have corporate accounts, received the money directly into the binding's bank card, so there is no withdrawal the process , would not be affected. Statements Xia of meaning is for those "not formal", and no company account, and just in friends circle in part-time small scale selling things of people, mention now on its on has must of effect has, as effect size, now also difficult Xia findings, but can imagine, was currently friends circle micro-business on has cooling, now and out a policy, has must of catalyst role.
Of course, this is just a guess from the outside, maybe micro-there is another purpose of the letter. But anyway, micro-letter seems to on this items new policy by produced of effect heart also didn't end of, micro-letter paid team said, " are active and Bank aspects close communication, towards early achieved transfers, and mention now trading completely free", so if new policy effect bad words, on again simple sent a announcement said has with Bank aspects reached consensus, no longer charged above costs, such also not has any loss, also to people a "for user sake" of impression, so why not does?
微信提现手续费，欺负的是微商？ -
微信支付,
微信红包,
微信 - IT资讯
看来天下没有免费的午餐，昨日微信官方发布公告称，3月1日起，个人用户的微信零钱提现功能（从零钱到银行卡）开始对超额部分收取手续费，而此前转账超过2万元之后需要支付0.1%手续费的规定作废，改为免费，有点“拆东墙补西墙”的意味。有些网友听到“要收费”对此表示不满，但提供服务来收费天经地义，并且微信也给出了自己的理由，这里我们不妨讨论一下微信此举的真正目的是什么。
按微信的规定，每位用户(身份证维度)有终身累计1000元免费提现额度，超出1000元部分按银行费率收取手续费，目前费率均为0.1%，每笔最少收0.1元，微信红包、面对面收付款、AA收款等功能不受影响。微信表示此举并不是为了追求营收，而是用于支付银行手续费。
而对比竞争对手，支付宝目前并未收取提现、转账等手续费，并且现在很多手机银行之间的跨行转账都已经免收手续费，向银行存钱更不会收费了，因此微信此举冒有一定的风险，可能会导致用户向支付宝等转移，虽然一般用户不会为了几毛钱改变自己养成的习惯，但微信冒险的背后肯定有其目的。
有业内人士表示，微信此举的真实目的是想构建微信支付生态。目前“我的零钱”有三个使用途径：支付、提现和理财，现在提现要收费了，用户会抑制提现的冲动，将零钱用于直接消费或理财。目前微信中就有很多消费场景，“钱包”中就设立了手机充值、信用卡还款、理财通、生活缴费等多种应用场景，但目前这些功能用户一般习惯用支付宝或到银行来完成，用户黏性较低，微信自然要想办法解决，提现收费就是措施之一，并且腾讯也已经表示，“用储蓄卡购买理财通产品，提现免费”，目的不言自明。另外由于提现收费，用户将会更多地直接用于日常生活中的消费，例如交个停车费、商场购物结账等，这样就会逐渐增大微信支付体系的应用规模，而不再只局限于发发红包、冲个手机费，同时也有助于扩展微信支付商户。
另外，微信提现收费对另一类人群的影响要比普通人大很多，那就是微商。提起微商，很多人的印象是卖面膜、化妆品、发展下线等，他们每天都有大量的资金进进出出，提现不可避免。现在收费后就要付给微信一定的费用，有人称这是在坑“微商”，而微信方面对此也做出了说明，称正规的微商都有公司账户，收的钱都是直接进入绑定的银行卡里，因此不存在提现这个过程，也就不会受到影响。言下之意就是对于那些“不正规”、没有公司账户、只是在朋友圈里兼职小规模卖点东西的人，提现对其就有一定的影响了，至于影响大小，现在还难下定论，但可以想象，本来目前朋友圈微商就已经降温，现在又出来这么个政策，有着一定的催化剂作用。
当然，以上只是外界的猜测而已，也许微信还有另外的目的。但不管怎样，微信似乎对这项新政策所产生的影响心里也没底，微信支付团队表示，“正积极与银行方面密切沟通，争取早日实现转账、提现交易完全免费”，这样一来如果新政策效果不好的话，就再简单发个公告称已跟银行方面达成共识，不再收取上述费用，这样也不会有任何损失，还给人们一个“为用户着想”的印象，何乐而不为呢？