Micro-credit, PayPal payment in Korea popular, even barbecue grills are scan codes paid-app, PayPal-IT information

China, familiar faces, familiar payment methods.

In August of this year, Korea's capital Seoul's busiest commercial district of Myeong-dong, Chinese favorite such as new world, Lotte duty-free shop, people use mobile payment, vaguely thought that without stepping out of the country.

Korea's own mobile payment--Samsung Pay (Samsung pay) and Kakao Pay haven't rolled out online, but Korea clerk has been ready for Chinese tourists, "scan a scan QR codes" to pay. Tourists say to them "WeChat Pay" or "Alipay" Korea clerk understands at once, to tell you the "micro" or "PayPal."

Korea duty free shop familiar with micro-payment card brand. This pictures are surging journalist Yang Xin nimble

"We've created one and exactly the same consumer environment in China. Since opening in May this year, we introduced micro-payments, micro-payments accounted for about 20% total sales now. "Han Myeong-dong at the duty-free shops in the new world store sales surging Jin Meiying, the Minister told the press that" Chinese consumers from cash payments, to use China UnionPay card, China UnionPay card there is no fire, mobile payments coming. ”

China is currently the world's best mobile payment development country. Thanks to strong demand for exit shop, mobile payments also took the opportunity to go out of the country, expansion to overseas markets.

Korea is no Apple Pay, but China mobile payment application

Korea is a closed Internet market slightly.

Google Maps (Google maps), not for tourists in the world are here to provide navigation services such as driving, walking, can only provide public transit navigation. For national security reasons, Google maps Korea Government restrictions.

In Korea, communication Line's parent company, Naver and Kakao provides navigation services, the software displays only Korea map provided by the Government, and only Korean, foreign tourists can only "eyes to discredit".

Korea Presidential Blue House is clearly visible in the Google Maps.

In addition, the United States Apple Apple Pay no landing Korea.

Korea has its own mobile payment tool. In 2016, Korea's biggest electronics company Samsung started pushing the SamSung Pay (Samsung), SamSung Pay has become Korea's largest payment applications. August data show that Korea domestic aggregate settlement amount exceeding 2 trillion won. However, the layout of the SamSung Pay online in a few journalists in Korea where you can see little use.

Korea local chat Kakao also introduced a mobile payment application. In April 2012, the Tencent Kakao invested 72 billion won (about 403 million yuan), with 3.6 million shares (13% per cent), and became the second largest shareholder of Kakao.

Kakao's brother--micro-letter here has spread.

"Unexpectedly in a foreign country can also use micro-payments, but can also enjoy brushing UnionPay card is 95 percent. "Xiao Tao said Chinese visitors.

China mobile payment applications into Korea duty-free shops, Starbucks, barbecue grills, a clothing store

In addition to the large duty free shop (HDC Shilla duty free shop, Han Huage Le Liya duty-free shops and SM duty-free shops, etc), some Korean barbecue grills, a Ginseng Chicken soup shop, clothing stores (such as the coffee chain Coffine Gurunaru and the Korea traditional tea shop Osulloc song of a genial style, etc), also supports micro-payments. A block away, you can see several taped to the door of China UnionPay, VISA, there are micro-payment logo.

Micro-and PayPal logos common in Korea in downtown streets.

Even Korea Starbucks also supported micro-payments. But in China, Starbucks in order to promote their own payment did not introduce micro-payments.

In the new world duty free shops, and peripheral products of the Line was packed with Chinese tourists. The merchant told the word news, pay after they opened in May this year, the current means of payment 50% credit card 50% from micro-payments.

Following public comment, xiaoguan visitors find this 4 star rating, from Korea famous host Jiang Hudong open barbecue chain. This store supports the same micro-payments. Store managers say, they 90% of the customers were foreigners, while 90% is in this Chinese tourists, Chinese tourists and 80% use of micro-payments.

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Is located in Myeong-dong Jiang Hudong tyro barbecue restaurant.

Chinese shoppers in the "net red" barbecue restaurant with micro-payments.

But in a bustling neighborhood, cash and credit cards remain the mainstream of payment, many of the convenience store chain does not support mobile payments.

Seoul also remained a mobile payment habits of the local population, saw a lot of Chinese people to mobile payment, they worried about security (in fact, there have been no cases yet).

In fact, Korea early in the field of mobile payments can be said to be "the global leader", NFC (contactless payment) is very common here. China and Korea used most of the local population of the country is T-Money, similar to the Octopus card in Hong Kong, China. It is a transit card or in convenience stores use to payments. Or embedded cell phones, cell phone near the card reader will be able to pay.

But with the advent of smartphones, thanks to the demographic dividend, QR code mobile payment in China to rise rapidly.

Chinese tourists go, mobile payments where

Korea night market vendors also supported micro-payments.

Korea Tourism Board, the latest statistics show that July of Chinese tourists to the ROK reached 910,000 people are 3 times more than in the same period last year. National Tourism Administration statistics show that in 2015, Chinese tourists in Korea per capita daily consumption of 2200 dollars, higher than the average spending of tourists visiting South Korea 1 time.

These were given to micro-payment extension Korea market confidence.

"We go from online to offline, and then walk from domestic to overseas. Where, where have we strive to push the market, that is, Chinese tourists and most willing to go shopping (not the tourist) place. "Micro-payment products surging operations director Huang Li told the news. For Korea, the first three Chinese tourists are most interested in is shopping and experience Korean culture, shaping, the fourth is the tourism.

In recent months, Korea micro-payments average daily number of transactions and the number of stores grew more than 5 times, which also doubled as micro payments offshore trading boom in microcosm.

"Whether it is domestic or overseas, this market is too large, the market is how it? Is its own. "Huang Li said.

Unlike Alipay in staff a big push overseas, later entered the overseas payments in PayPal app in the market, mainly through the overseas cooperation agencies and commercial service providers, and the latter must divide to open up the market.

Micro-payments, held in August, Korea on the tour, all Department stores and small businesses around the Huang Li, to discuss business needs. And this promotion is in tiny letters in Korea partners--Hana Financial Group.

Micro-propulsion in Korea business, Hana Financial Group has played a key role. Statistics show that Hana Financial Group is Korea's largest bank holding companies. Companies including Hana Bank, Korea Exchange Bank, Hana Daetoo securities and other financial institutions.

Cooperation but declined to provide the number of service providers and agencies. According to the news about the surging, micro payments charged to businesses than any other payment method even better commissions.

Mobile boom capable of mobilizing micro-letter international?

In May 2016, Tencent Board Chairman Ma Huateng, CEO, micro-payments and QQ mobile payment wallet, the average daily number of transactions of over 500 million.

"I believe that Internet companies and banks is the relationship between fish and water in the future, because we have some new formats, help banks better development. For now you will have a worry, you would walk two steps ate Bank, but I think the development over time, we will see more and more positive cases. "Ma said.

"At home, already have the settings, data such as user education, Chinese businesses had perfected, but no actual saturated in the overseas market, including users, businesses of this understanding has not yet matured, has not formed a certain intensity, has not yet begun operating depth. "Huang Li said.

Micro letter is planning to open to overseas businesses some user data image and character, to help them to do business.

For example, at present, many Korea duty free Shop Mall on cable, by Chinese tourists paid app before, I know can also place an order over the Internet, and then went to the airport to pick up. "Some users very effectively below the original line into line, the percentage was quite high. "Huang Li said.

Micro-payments settled in Renminbi.

Now Korea has not regulatory demands on mobile payments.

"I can only say that regulators raised no objection to it, as mobile payments is a very advanced stuff, including in China last year were called off, but we have been trying to communicate, at the user level, prove that it is not on the security issues, are developed. "Huang Li said.

Perhaps in the future, by means of mobile payments out of overseas, micro and Alipay can also take advantage of international expansion of overseas local users. Although Tencent and Alibaba's overseas market, but the two companies are still in the preliminary stages of internationalization.

"Global mobile payment developments quickly, development will come as the demand. Needs to have, all things are possible. "Huang Li said that micro-payments cross-border business also focused on China's outbound tourists.

However, Japan surging kingsoft's Chairman Weng Yongbiao told the news, the two countries Internet culture, so different from the user's background, led to many Internet products into each other's markets when acclimatized.

"For example, to China, Japan and South Korea to fire game, underwhelming. There's a lot to fill, like communication, marketing and so on. In addition, the Chinese like to early adopters, but Japanese and Korean users are conservative, focused on one thing. "Weng Yongbiao said. He was in Japan for more than 10 years, helped Lei, Zhou expand Japan market now founded a day scouring "the Princess and the pea".

微信、支付宝支付在韩国大受欢迎，连烤肉店都接受扫码支付 - 微信,支付宝 - IT资讯

熟悉的中国面孔，熟悉的支付方式。

今年8月，在韩国首都首尔最繁忙的商业街区明洞，新世界、乐天等中国人最爱的免税店里，人们使用手机移动支付，恍惚以为没有踏出国门。

韩国人自己的移动支付——Samsung Pay（三星支付）和Kakao Pay都还没怎么在线下铺开，但韩国店员已经都准备好为中国游客“扫一扫二维码”支付了。游客跟他们说“WeChat Pay”或“Alipay”，韩国店员马上意会，跟你说“微信可以”或“支付宝可以”。

韩国免税店里熟悉的微信支付卡牌。本文图片均为澎湃新闻记者杨鑫倢

“我们营造了一个和中国完全一样的消费环境。今年5月开张起，我们就引进了微信支付，现在微信支付占到总销售额20%左右。”韩际新世界免税店明洞店营销部部长金美英告诉澎湃新闻，“中国消费者从现金支付，到用银联卡，但银联卡还没有火，移动支付就来了。”

中国是目前全球移动支付发展得最好的国家。得益于中国强劲的出境购物需求，移动支付也借机走出国门，向海外市场拓张。

韩国没有Apple Pay，但有中国的移动支付应用

韩国是一个略为封闭的互联网市场。

Google Maps（谷歌地图），无法在这里为世界游客提供驾车、步行等导航服务，只能提供公交导航。出于国家安全的原因，谷歌地图被韩国政府限制。

在韩国，通信工具Line的母公司Naver和Kakao提供导航服务，这些软件只显示韩国政府提供的地图，而且只有韩语版，外国游客只能“两眼一抹黑”。

韩国总统府青瓦台在Google Maps中清晰可见。

除此之外，美国苹果公司的Apple Pay还没有落地韩国。

韩国有自己的移动支付工具。2016年，韩国本土最大的电子企业三星开始力推SamSung Pay（三星支付），SamSung Pay目前已经成为韩国使用量最大的支付应用。8月数据显示，韩国国内的累计结算金额突破了2万亿韩元。不过，SamSung Pay在线下的布局还很少，记者在韩国几乎没有看到可以使用的地方。

韩国本土的聊天应用Kakao也推出了移动支付。腾讯曾于2012年4月对Kakao投资720亿韩元（约合人民币4.03亿元），获得360万股股份（占比13.0%），成为了Kakao的第二大股东。

Kakao的兄弟——微信，在这里则已经铺开。

“没想到在国外也可以使用微信支付，而且同样可以享受刷银联卡才有的九五折。”中国游客小陶说。

中国的移动支付应用入驻韩国免税店、星巴克、烤肉店、服装店

除了大型免税店（如HDC新罗免税店、韩华格乐利亚免税店和SM免税店等），一些韩式烤肉店、参鸡汤店、服装店（如咖啡连锁店Coffine Gurunaru、韩国传统茶饮品店Osulloc和悦诗风吟等），也都支持微信支付。每走一个街区，就能看到几家店的店门口贴着中国银联、VISA、还有微信支付的标志。

微信和支付宝的标志常见于韩国闹市区街头。

甚至，韩国的星巴克咖啡店也支持微信支付。但在中国，星巴克为了推广自己的支付方式，并没有引入微信支付。

在新世界免税店，Line的周边产品挤满了中国游客。该商家告诉澎湃新闻，他们于今年5月开通微信支付后，目前支付手段五成是信用卡，五成来自微信支付。

跟着大众点评，游客小关找到了这家4星评分、由韩国著名主持人姜虎东开的烤肉连锁店。这家店同样也支持微信支付。店长说，他们90%的顾客是外国人，而在这里面90%是中国游客，在中国游客里面，又有80%的人使用微信支付。

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坐落于明洞的姜虎东白丁烤肉店。

中国顾客在“网红”烤肉店用微信支付。

但在非繁华街区，现金和信用卡依然是主流的支付方式，很多连锁便利店也不都支持移动支付。

首尔当地民众也还没有移动支付的习惯，看到很多中国人用移动支付，他们担心安全问题（事实上，目前还没有发生过相关案例）。

其实，韩国早年在移动支付领域可以说是“全球领先”，NFC（非接触式支付）在这里非常普遍。其中国和韩国国当地民众用得最多的就是T-Money，类似中国香港的八达通卡。它是一张交通卡，也可以在便利店用来支付。或被嵌入手机，这样用手机靠近读卡器就能支付。

但随着智能手机的到来，得益于人口红利，中国的二维码移动支付迅速崛起。

中国游客到哪里，移动支付去哪里

韩国夜市小贩也支持微信支付。

韩国旅游发展局最新统计显示，7月赴韩旅游的中国游客达到91万人次，是去年同期的3倍以上。国家旅游局的统计显示，2015年，中国游客在韩国人均日消费达2200美元，高于其他赴韩游客平均消费额的一倍。

这些都给了微信支付拓张韩国市场的自信。

“我们从线上走到线下，再从国内走到海外。市场在哪里、我们着力去推哪里，也就是中国游客聚集、最愿意去购物（还不是旅游）的地方。”微信支付产品运营总监黄丽告诉澎湃新闻。对于韩国，中国游客最感兴趣的前三项是购物、感受韩流文化、整形，第四项才是观光。

近半年，韩国微信支付日均交易笔数和门店数增长都超过5倍，这也成为微信支付境外交易翻倍暴涨的一个缩影。

“不管是国内还是海外，这个市场都太海量了，市场是怎么发展的呢？是它自己。”黄丽说。

不像支付宝在海外有庞大的地推人员，晚于支付宝进入海外支付市场的微信，主要通过海外合作机构和有商业资源的服务商，并给后者一定分成来开拓市场。

在8月举行的微信支付韩国推介会上，各百货公司和中小商家都绕着黄丽，洽谈商务需求。而这场推介会正是在微信在韩国的合作机构——韩亚金融集团举行的。

在微信推进韩国业务中，韩亚金融集团起到了很关键的角色。资料显示，韩亚金融集团是韩国最大的银行控股公司之一。公司旗下包括韩亚银行、韩国外换银行、韩亚Daetoo证券等众多金融机构。

但微信拒绝提供合作服务商和机构的数量。据澎湃新闻了解，微信支付向商家收取比其他支付方式更优惠的佣金。

移动支付热潮能否推动微信国际化？

2016年5月，腾讯公司董事会主席兼首席执行官马化腾表示，微信支付和QQ钱包在内的移动支付日均交易笔数超5亿笔。

“我相信互联网企业和银行未来是鱼和水的关系，正因为我们有一些新业态，帮助银行更好地发展。目前来说大家会有一种担心，你再走两步会不会把银行吃掉了，但我觉得随着时间的发展，大家会看到越来越正面的一些情况。”马化腾说。

“在国内，已经有了场景布置、大数据等用户教育，中国商家也玩得炉火纯青，但在海外的市场还没有实际饱和，包括用户、商户对这个的理解都还没有成熟，也没有形成一定的密集度，还没有开始深度运营。”黄丽说。

微信正在计划向海外商户开放一些用户的数据画像和特征，来帮他们做运营。

比如目前，很多韩国免税店有线上商城，之前通过微信支付的中国游客，就知道原来在网上也可以下单，然后去机场提货。“非常有效地把原来线下的一些用户转化到了线上，这个比例还是挺高的。”黄丽说。

微信支付人民币结算。

目前韩国还没有对移动支付提出监管要求。

“我只能说监管方对它没有提出异议，因为移动支付是一个很先进的东西，包括在中国去年被叫停，但我们一直努力沟通，在用户层面、安全保障上证明它是没有问题的，都是发展的。”黄丽说。

也许未来，借助移动支付走出海外，微信和支付宝也能顺势国际化，拓展海外本地用户。尽管腾讯和阿里巴巴在海外上市，但两家公司的国际化都还在起步阶段。

“全球的移动支付发展得特别快，发展会随着需求而来。需求到了，一切皆有可能。”黄丽说，目前微信支付的跨境业务重点还在中国出境游客。

不过，日本金山公司董事长翁永飙告诉澎湃新闻，两个国家不同互联网文化，用户背景太不一样，导致很多互联网产品涉足对方市场时水土不服。

“比如，日韩再火的游戏拿到中国来，反响平平。这中间有很多东西要去填平，像用户沟通、市场等。另外，中国人喜欢尝鲜，但日韩用户比较保守，专注于某一件东西。”翁永飙说。他在日本十余年，帮助过雷军、周鸿祎拓展日本市场，现在创立了一家日淘电商“豌豆公主”。