二维码跨境支付再进一步 优先支持“外包内用”

Core Insights - The People's Bank of China has made significant progress in cross-border QR code payment interoperability with the launch of a unified gateway for cross-border payments [1][2] - The unified gateway aims to enhance the efficiency of cross-border payments and meet the growing demand for convenient mobile payment solutions from both domestic and international users [1][3] Group 1: Unified Gateway Overview - The unified gateway provides a standardized technical interface, transaction information transfer, monitoring, and analysis services for domestic and foreign institutions [2][3] - It aims to reduce the system integration costs for institutions and promote a unified standard for cooperation with overseas wallet providers [3][5] - The gateway has already partnered with multiple domestic and international institutions, including UnionPay, Alipay, and various wallets from Singapore, Malaysia, Thailand, and Hong Kong [3][4] Group 2: Business Operations and Statistics - As of September 11, the unified gateway processed 1.981 million transactions, amounting to 427 million yuan [4] - The gateway is expected to expand its participant base and the scope of cross-border payment interoperability [4][5] Group 3: User Experience and Security - The unified gateway is designed to enhance user experience by allowing seamless transactions between different QR code payment systems [7][8] - It adheres to international standards for compliance and security, requiring participating institutions to implement KYC and anti-money laundering measures [8][9] - The system features a multi-center deployment for high availability and disaster recovery, ensuring business continuity [9]