二维码跨境支付再进一步

Core Insights - The People's Bank of China has made significant progress in cross-border QR code payment interoperability, with the unified gateway launched for trial operation at the end of July [1][2] - The unified gateway aims to enhance cross-border payment efficiency and meet the mobile payment needs of domestic and foreign users [1][3] Group 1: Unified Gateway Functionality - The unified gateway provides a unified technical interface, cross-border transaction information transfer, monitoring, and analysis services, facilitating efficient and secure cross-border QR code payment services [2][3] - It aims to reduce the system integration costs for institutions and promote a unified standard for cooperation with overseas wallet providers, enhancing the user experience [3][4] Group 2: Current Status and Future Plans - As of September 11, the unified gateway processed 1.981 million transactions amounting to 427 million yuan, with plans to expand the number of participating institutions and the scope of cross-border payment interoperability [4][5] - The construction of the unified gateway began in early 2025, with a focus on supporting "external use within" services [5][6] Group 3: Industry Participation - Tencent announced its participation in the unified gateway to enhance WeChat Pay's "external use within" services, while Ant Group's Alipay became one of the first institutions to pilot the unified gateway [6][7] - The unified gateway is seen as a crucial step in facilitating cross-border payment interoperability, allowing users to utilize familiar domestic e-wallets for payments abroad [7][8] Group 4: User Experience and Security - The unified gateway acts as a "translator" and "dispatcher," enabling interoperability between different QR code payment systems across countries, thus improving user experience [7][8] - It adheres to international standards for security, requiring participating institutions to comply with KYC and anti-money laundering regulations, ensuring the legality and safety of cross-border transactions [8][9] Group 5: System Security - The unified gateway employs a multi-center deployment strategy, ensuring high concurrency, controllability, and automatic recovery from application failures [9] - It has established a comprehensive emergency response plan with participating institutions to ensure system security and business continuity in extreme situations [9]