Alipay announced to withdrawal charges: cat Taobao seller, contracted merchants are not affected-PayPal fees-IT information
At present, the network transfer of traditional commercial banks and other businesses are gradually entering "free time", and rely on free "conquer" Internet service ushered in a wave after wave charged climax. First, start from March this year, slightly begin to charge a fee for withdrawal function. Yesterday (September 12), PayPal app "footsteps", announced a charge of links .
According to PayPal announcement, on October 12, 2016, PayPal will charge on individual user exceeds the amount of free cash 0.1% services, individual users today enjoy a 20,000 yuan per person based on free cash withdrawal limit. Using based free credit when you are finished, the user can use Ant points for more free cash withdrawal limit.
For the two Internet giants have chosen to withdraw link starts charging, a insiders gave away the secret – the free "strike out", but not free "Heaven". Before the promotion phase, third party payment to attract customers is in fact took on related charges. But as the number of users and the significant increase in trading volume, any enterprise is difficult to bear this cost .
Meanwhile, micro-and PayPal as an example, since they formed their own consumption of the closed-loop, this provision through withdrawal fees and capital in order to stay within its commercial closed-loop, let the consumer side of the business took on related charges, is a third party payment, the win-win between merchants and consumers.
Some analysts pointed out that as the user willingness to pay for quality Internet content and services promotion, some Internet companies started to no longer "free" as the only means of attracting users, but by improving service quality and expansion of services to attract "pay" user, this is the sign of the maturing of the Internet in China.
Set 20,000 based free credit
Is now part of the so-called, refers to users through a third-party payment platform to transfer money to a bank card. Alipay adjusted withdrawal rules are not the industry's first, in March of this year, the app has begun charging 0.1% fee to the user, accumulated 1000 free withdrawals per user limit.
According to the reporter, PayPal withdrawal involves "cash to my bank card" and "transfer to other bank card" two features. According to the revised rules, PayPal will be beyond the free credit amount of partial withdrawal of the 0.1% fee-for-service, single service fee charge less than 0.1 by 0.1 Yuan. PayPal personal basis of 20,000 Yuan by end users can free cash withdrawal limit, the limit is 20 times times the app.
Other than the withdrawal, the reporter noted, use Alipay for consumption, finance, insurance, mobile phone recharge, utility payment, registration and payment of traffic fines, the use of mobile phone PayPal transfer money to PayPal account, payments and other services are not affected by the new rules impact.
Most of these services, users also get ants in the process of integration, use underlying free cash withdrawal limit of 20,000 yuan after Ant points can be redeemed for free cash withdrawal limit. Current exchange ratio is 1 Ant free withdrawal limit points for 1 dollar, no Cap.
For headline balance treasure, announcements, Bao funds out of balance, including transfer to my bank card and go out to your PayPal balance will remain free. However, since October 12, 2016, the users from the new balances treasure funds can only go back to PayPal balance when you go out, you cannot go directly to the bank card.
Meanwhile, cat sellers Taobao, Alipay effective signing commercial tenants and so on, through "withdrawal" products will be within the PayPal balance funds to my bank card is still free .
Withdrawal charges or a trend
The reason to start charging, PayPal said in a statement, because of the "integrated faster increases in operating costs ', adjust the rules to ease cost pressures. "Further explains that opted to withdraw rather than in other charges, because users use PayPal pay much higher than the frequency of withdrawals.
Reporters noted that micro letter announcing the withdrawal before link charges, given its reasons are similar to Alipay, the statement, it was said, not charging for the operating profit, but rather to cover the bank charges.
So, fees for third party payment take much pressure, Tencent and Ali owned by two Internet giants are unable to carry out the third party payment platform.
In this regard, in response to about cover it is why fees problem, Tencent Board Chairman Ma Huateng, CEO has said that micro-payments as a third party payment tools, the user transfers the time commitment for the channel, bank charges are paid to third party tools, transfer costs by up to 1 per thousand. The cost more than 300 million a month, and is rapidly growing, which a company cannot afford .
The concept of think tank says financial industry Center Research Director Mark Tao Ma, including PayPal, micro-third-party payment platform, for users to bear the costs. Millions of users decided the cost was huge. Free service customers in early to the platform, but in large amount of customers and transactions to a certain extent, the huge transaction costs will push up the operating cost of the platform.
Assistant Chen Li, an analyst of China's e-Commerce Research Center also said users about third party payment there is a misunderstanding. Paid giant in order to strengthen itself before user groups, take our free policy. Now gradually began to charge, but in fact is not very large impact on the users, to transfer direct electronic bank transfer online, because banks now have the interconnection cooperation. Alipay can say after micro-payment has the same purpose, all want to make money in its commercial system, rather than let it flow to the Bank.
Darui consulting founder and Chief Analyst Ma Jihua pointed out that "(previously) app by way of fees, did intercept a lot of customers, promote the offline payment. As supervision strengthened and increased charges is the trend, withdrawal fees, purpose does not want to pay, but keeping more money in (own business) within the system . ”
Industry insiders said, according to the business model of the third-party payment, consumer users through a third party payment process, businesses would have been paid to a third-party payment platform, a service fee, the equivalent of business helping consumers bear the charges realized businesses, consumers and third-party payment platform of win-win.
In the view of the industry, all the trend will move closer to the rate of payment. Ma Jihua says, "as long as they can form a closed loop of consumption, you can back-end business charges, cannot form a closed-loop business consumption (such as cash) charge should be a trend. ”
支付宝宣布对提现收费：淘宝天猫卖家、签约商户不受影响 - 支付宝,收费 - IT资讯
当前，传统商业银行的网络渠道转账等业务正逐步进入“免费时代”，而依靠免费“打天下”的互联网服务却迎来了一波又一波的收费高潮。先是，从今年3月开始，微信开始对提现功能收取手续费。昨日（9月12日），支付宝也步了微信“后尘”，宣布对提现环节进行收费。
根据支付宝公告，自2016年10月12日起，支付宝将对个人用户超出免费额度的提现收取0.1%的服务费，个人用户每人累计享有2万元基础免费提现额度。在用完基础免费额度后，用户可以使用蚂蚁积分兑换更多免费提现额度。
对于两大互联网支付巨头先后选择对提现环节开始收费一事，有业内人士一语道破了天机——靠免费“打天下”，但不能靠免费“坐天下”。之前在推广阶段，第三方支付为吸引客户，其实是承担了相关手续费用。但随着用户数量和交易量的大幅增加，任何一家企业都难以独力承担这笔费用。
同时，以微信和支付宝为例，由于它们都形成了各自的消费闭环，通过提现收费这一规定，将资金尽量留在自身的商业闭环内，等于是让各个消费端的商户承担了相关手续费用，可谓是做到了第三方支付、商家以及消费者之间的共赢。
有专家分析指出，随着用户为优质互联网内容和服务付费意愿的提升，部分互联网企业开始不再将“免费”作为吸引用户的唯一手段，而是通过提升服务质量，扩大服务范围去吸引“付费”用户，这也是中国互联网走向成熟的标志。
设置2万元基础免费额度
所谓提现环节，是指用户通过第三方支付平台把资金转到银行卡的行为。支付宝调整提现规则并非业界首例，今年3月，微信已经开始对用户提现收取0.1%的手续费，每位用户累计享有1000元免费提现额度。
据记者了解，支付宝的提现涉及“提现到本人银行卡”和“转账到他人银行卡”两个功能。按照调整后的规则，支付宝将对超出免费额度的部分按提现金额的0.1%收取服务费，单笔服务费不到0.1元的按照0.1元收取。支付宝个人用户可以累计享有2万元的基础免费提现额度，这个额度是微信的20倍。
除了提现之外，记者注意到，使用支付宝进行消费、理财、购买保险、手机充值、水电煤缴费、挂号、缴纳交通罚款、使用手机支付宝转账到支付宝账户、还款等服务不受新规影响。
其中的大部分服务，用户在使用的过程中还可以获得蚂蚁积分，在用完2万元的基础免费提现额度后，蚂蚁积分可以用于兑换免费提现额度。目前兑换比例是1个蚂蚁积分兑换1块钱的免费提现额度，上不封顶。
而对于备受关注的余额宝，公告显示，余额宝资金转出，包括转到本人银行卡和转出到支付宝余额将继续免费。不过，自2016年10月12日起，用户从余额新转入余额宝的资金，转出时只能转回到支付宝余额，不能直接转出到银行卡。
同时，淘宝天猫卖家、支付宝有效签约商户等，通过“提现”产品将支付宝余额内资金转到本人银行卡依然免费。
提现收费或成趋势
对于开始收费的原因，支付宝方面在公告中表示，是因为“‘综合经营成本上升较快’，调整提现规则是为了减轻部分成本压力。”其进一步解释称，最终选择对提现而不是在其他环节收费，是因为用户用支付宝支付的频次比提现高出很多。
记者注意到，此前微信在宣布对提现环节进行收费时，其给出的理由与支付宝此次表述类似，其当时称，收费并非为了运营获利，而是用于支付银行手续费。
那么，第三方支付在手续费方面究竟承担了多大的压力，竟然使得腾讯和阿里两大互联网巨头旗下的第三方支付平台都扛不住了。
对此，在回答记者关于微信支付提现为什么收费的问题时，腾讯公司董事会主席兼首席执行官马化腾就曾表示，微信支付作为第三方支付工具，在用户转账的时候承担了通道作用，这时候银行是要向第三方支付工具收取手续费的，转账成本高达千分之一。这个成本一个月超过3个亿，而且还在急速增加，哪一家企业都承受不了。
易观智库金融行业中心研究总监马韬表示，包括支付宝、微信在内的第三方支付平台一直在为用户承担相应的成本。数以亿计的用户规模决定了这个成本是非常巨大的。免费服务在初期能够为平台迎来客户，但在客户及交易体量大到一定程度后，巨大交易成本实际就推高了平台运营成本。
中国电子商务研究中心助理分析师陈莉也表示，用户对于第三方支付的认知存在一定的误区。之前各支付巨头为了壮大自身的用户群体，采取免费政策。现在虽然逐渐开始收费，但实际上对用户影响不是很大，要转账可以直接用电子银行在线转账，因为现在银行已经实现互联互通合作。支付宝此举可以说和此前微信支付有着相同的目的，都是希望让用户资金留在自身的商业体系内，而不是让其流入到银行。
达睿咨询创始人、首席分析师马继华指出，“（此前）微信提现通过收费的方式，确实拦截了好多的客户，促进了线下支付。随着监管强化和使用增加，收费是趋势，提现收费，目的是不想收费，而是让更多的钱留在（自身商业）系统内。”
业内人士表示，根据第三方支付的商业模式，在用户通过第三方支付消费的过程中，商家会支付给第三方支付平台一定的服务费，这相当于是商家帮消费者承担了相关手续费用，实现了商家、消费者和第三方支付平台的共赢。
在业界看来，所有的支付最终趋势都会向收费靠拢。马继华认为，“只要能够形成消费闭环的，就可以向后端商家收费，向不能形成消费闭环的业务（比如提现）收费应该是个趋势。”