二线互联网企业“盯上”支付牌照

Core Insights - The article discusses the recent trend of second-tier internet companies acquiring payment licenses to enhance their payment capabilities and reduce reliance on external payment channels [1][2][3] Group 1: Acquisition Trends - Dongfang Electronic Payment Co., Ltd. completed a shareholding change, with Ningzhi Information Technology (Shanghai) Co., Ltd., fully owned by Xiaohongshu, becoming the sole controlling shareholder, allowing Xiaohongshu to obtain a payment license [1] - 58.com acquired 80% of Shengya Yunding Payment Co., Ltd. for 23.85 million yuan, while Tongcheng Group's affiliate, Yilong.com, purchased 100% of Xinsheng Payment for approximately 300 million yuan [1] - The demand for self-owned payment licenses is driven by the need to reduce high payment channel fees and improve data analysis capabilities for user consumption behavior and merchant services [1][2] Group 2: Regulatory Environment - The implementation of the "Non-Bank Payment Institution Supervision Management Regulations" in May last year clarified the thresholds and rules for licensed operations, prompting second-tier internet companies to acquire payment licenses [1][2] Group 3: Financial Implications - High payment channel fees, which range from 0.1% to 0.2% per transaction, have become a significant financial burden for internet platforms with large user bases [2][3] - The acquisition of payment licenses is seen as a way to significantly lower these costs and streamline financial operations [2][3] Group 4: Market Dynamics - As of November, 107 payment licenses have been revoked, reducing the total number of licenses by approximately 40%, which has led to increased pricing for available licenses [6][9] - Payment institutions are currently holding out for higher prices, with some asking for 400-500 million yuan for licenses, despite second-tier internet companies believing these prices are inflated [6][7] Group 5: Strategic Planning - Companies are planning to integrate diverse payment channels and develop proprietary payment solutions to enhance user experience and increase revenue [3][5] - The acquisition conditions for payment licenses have been redefined to include specific operational qualifications and compliance records, ensuring a smoother transition post-acquisition [5][6]