Third-party payment licenses are not reduced by one license to 1.4 billion

In the case of tightening of third-party payment supervision and frequent ticketing, the war on the reshuffle of the third-party payment industry is almost instantaneous. At the same time, the value of third-party payment licenses is “high”, and the speed of soaring is remarkable.

A few days ago, the reporter got a copy of the third-party payment license from the insider. According to the transfer letter, the license business scope includes: Internet payment, prepaid card issuance and acceptance, mobile phone payment, fixed telephone payment, bank card receipt, and the term is renewed from 2017 to 2022. The reporter noted that the license quoted 1.4 billion yuan, including a reserve of 100 million yuan.

According to the classification issued by the central bank on June 21, 2010, the “Administrative Measures for Payment Services of Non-financial Institutions”, the third-party payment services are mainly divided into three categories: online payment, pre-paid card issuance and acceptance, and bank card collection. Among them, network payment includes Internet payment, mobile phone payment, fixed telephone payment, digital TV payment, and the like.

"The price of licenses is mainly based on its business scope." A senior industry insider told reporters that the current mobile phone payment qualification is already included in the scope of Internet payment. Internet payment is the most important payment qualification of payment institutions, and it is relatively scarce. The pure license value of 650 million yuan is a generally recognized price in the market. According to the statistics of online loan homes, the license price of Internet payment and bank card acquiring business is higher, and it is increasing year by year; the price of prepaid card issuance and acceptance business qualification license is relatively low.

According to the results of the renewal of the fifth batch of non-bank payment institutions' Payment Services Permit, which was previously announced by the central bank's official website, 21 of them were successfully renewed, and four payment institutions were not renewed. So far, after the renewal of the five batches of payment licenses, the central bank has cancelled a total of 28 payment licenses and paid 243 licenses.

According to Yingcan Consulting Statistics, as of February 6, 2018, there are 149 prepaid card issuance and acceptance services, 110 Internet payment services, and 61 bank card acquiring services. There are 48 mobile phone payment services, 8 fixed-line payment, 6 digital TV payment, and 5 prepaid card acceptance services.

Industry veterans believe that as the central bank clearly stated that in principle, no new institutions will be approved for a period of time, and the rectification efforts will be gradually increased, the stock payment licenses will continue to decrease, and the value of third-party payment licenses will rise all the way. In this context, the industry reshuffle has intensified, some small payment institutions will be eliminated by the market, and the giants will compete for high prices to grab the payment license will become the norm.