第三方支付行业挑战与破局之路： 报告将结合行业趋势与行业面临的挑战，探讨第三方支付机构需要寻求的破局之道。 「 iResearch ：中国第三方支付行业卓越者榜单」： 报告将选取具备良好实践成效以及典型标杆意义的实践案例，由艾瑞咨询联合第三方支 付行业内专家共同提名、评选，并确定最终入围「 iResearch ：中国第三方支付行业卓越者榜单」。 研究背景 中国第三方支付行业已迈入存量竞争与价值重构的关键阶段。 监管层面，《非银行支付机构监督管理条例》的平稳落地推动行业完成合规洗牌，不合规机构逐步退 出市场，头部机构在规范框架下加速业务升级，行业生态的规范化程度显著提升。市场维度，行业已从高速增量扩张转向规模增长承压的存量竞争阶段，"支付 + "服务成为共识——机构以基础支付为入口，向企业与个人用户延伸多元化增值服务，尤其在企业支付领域，线上产业支付的稳定增长与跨境支付的崛起形成双重支 撑。技术层面，技术创新持续突破边界， NFC 技术通过"碰一下"功能实现支付体验升级，苹果开放 NFC 芯片权限进一步降低普及门槛，而生成式 AI 在风控、客 服等环节的应用则推动服务向超个性化方向发展。除此之外，全球化需求与数 ...

Core Insights - The Chinese third-party payment industry is entering a critical phase of stock competition and value reconstruction, driven by regulatory compliance and market dynamics [2] - The industry is shifting from rapid growth to a phase of competitive pressure, with a consensus on "payment +" services, particularly in enterprise payment and cross-border payment sectors [2] - Technological innovations, such as NFC and generative AI, are enhancing payment experiences and service personalization [2] Research Background - The implementation of the "Non-Bank Payment Institution Supervision and Management Regulations" has led to a compliance reshuffle, with non-compliant institutions exiting the market [2] - The industry is experiencing stable growth in online industrial payments and a rise in cross-border payment demands, particularly in emerging markets like Southeast Asia and Latin America [2] Research Objectives - The iResearch Consulting Institute plans to release the "2025 China Third-Party Payment Industry Research Report" in Q4 2025, inviting industry participants to contribute [3] Research Content - The report will analyze the development history of the third-party payment industry, market size, structural characteristics, regulatory environment, and key players in the industry chain [4] - Insights into industry trends will be provided, focusing on policy incentives, market structure, and application scenarios [4] Challenges and Solutions - The report will explore the challenges faced by third-party payment institutions and potential strategies for overcoming these challenges [5] Case Studies - The report will feature case studies of outstanding companies in the third-party payment industry, highlighting innovative practices [6] Expert Insights - The research team will conduct expert interviews to gather insights on industry trends, which will be presented in the report [7] Participation Value - Companies participating in the report will have opportunities to enhance brand visibility and influence within the industry [9][10]

Group 1: Consumer Upgrade Policy - The "old-for-new" policy has been continuously updated since last year, effectively promoting consumption and driving significant industrial transformation and upgrades [1] - The Beijing Municipal Bureau of Commerce announced an expansion of the subsidy categories for the "old-for-new" program, which includes automobiles, home appliances, electric bicycles, and digital products [1] Group 2: Payment Solutions for Small Merchants - UnionPay Business has been appointed as the payment and technology service provider for the "old-for-new" initiative in Beijing starting in the second half of 2024 [2] - The company introduced a combination solution of "Xiao U single product + Jing Tong mini program + merchant mini program assistant" to facilitate easier system integration for small merchants, overcoming previous technical barriers [2] - UnionPay Business has assisted hundreds of merchants and over a thousand stores in Beijing, generating transaction amounts exceeding 10 billion yuan [2] Group 3: Smart Elderly Care Services - The Beijing Civil Affairs Bureau provides meal subsidies to eligible elderly residents through a reimbursement model, and the "Parents' Canteen" brand was launched in September 2022 to enhance meal services [3] - UnionPay Business has collaborated with the Xicheng District Civil Affairs Bureau to provide smart terminal devices and payment services for the "Parents' Canteen," streamlining the meal ordering and payment process for elderly residents [3] - The service has been implemented in over 200 "Parents' Canteens," covering 263 communities, allowing elderly individuals to pay conveniently using facial recognition [3] Group 4: Elderly Assistance Card Payment Integration - The Elderly Assistance Card serves as a credential for elderly residents to access various social welfare benefits in Beijing [4] - UnionPay Business has integrated the payment function for the Elderly Assistance Card at 125 meal points, enabling a seamless payment process for elderly users [4] - In 2024, the company launched a mini program in the "Cloud Flash Payment" app for online binding of the Elderly Assistance Card, facilitating easy payments for users [4] Group 5: Smart Agricultural Wholesale Market - The Xinfadi Market in Beijing is one of the largest agricultural wholesale markets in Asia, with a daily foot traffic exceeding 30,000 [5] - UnionPay Business, in collaboration with Beijing Bank, developed a smart settlement service solution to enhance payment efficiency in the market, including a "cash register scale + C-scan B payment" product combination [6] - The company has also introduced customized services such as voice broadcasting and online shopping carts to improve market management and merchant operations [7] Group 6: Upgraded Transportation Payment Systems - Beijing's urban rail transit has become the first in the world to support five major card organizations for contactless entry [8] - UnionPay Business played a key role in the system upgrades for ticketing machines and entry gates to accommodate international cards, ensuring smooth transaction processes [8] - The company has also implemented various payment methods for local residents and foreign visitors, enhancing the overall travel experience in Beijing [9] Group 7: Commitment to Social Services - UnionPay Business is dedicated to empowering social services through technology and payment solutions, contributing to various initiatives such as "old-for-new," elderly meal services, smart agriculture, and transportation improvements [9] - The company aims to continue enhancing financial services and digital solutions to benefit the public and support high-quality development in Beijing [9]