漫说支付 | 一图看懂什么是“统一网关”

Core Viewpoint - The establishment of a unified cross-border QR code payment gateway by China UnionPay aims to facilitate seamless cross-border transactions, allowing users to utilize their domestic e-wallets without the need for additional registrations or card bindings [14][24][17]. Group 1: Cross-Border Payment Challenges - Cross-border transactions face challenges due to different QR code standards and payment rules, requiring consumers to switch between various e-wallets [11][12][10]. - The lack of interoperability between domestic and foreign e-wallets complicates the payment process for consumers and merchants [10][12]. Group 2: Unified Gateway Initiative - The unified gateway is developed under the guidance of the People's Bank of China and in collaboration with the China Payment and Clearing Association and China UnionPay [14]. - This initiative is part of a broader strategy to enhance the cross-border payment ecosystem, making it smoother and more efficient for users [24][27]. Group 3: Benefits of the Unified Gateway - Users can complete cross-border payments using their domestic e-wallets, eliminating the need to download foreign e-wallets and simplifying the payment process [17][24]. - The unified gateway supports a new "four-party model" that aims to optimize cross-border payment operations and reduce costs and risks associated with international transactions [24][27]. Group 4: Regulatory Considerations - The initiative also addresses regulatory needs by optimizing cross-border payment supervision and ensuring compliance with domestic regulations [29].