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同程布局支付领域,斥资收购新生支付100%股权
Hua Xia Shi Bao· 2025-09-27 14:59
Core Viewpoint - Tongcheng Group's acquisition of 100% equity in Newborn Payment for approximately 300 million yuan enables the company to indirectly obtain a payment license, facilitating its entry into the payment sector [2][3]. Summary by Relevant Sections Acquisition Details - The acquisition marks a strategic move for Tongcheng to complete its financial ecosystem, allowing for better fund flow management, reduced channel costs, and improved settlement efficiency [3]. - Newborn Payment, established in 2008 with a registered capital of 100 million yuan, is the only licensed payment institution in Hainan Province, offering a comprehensive range of payment services [3]. Market Context - The payment license market is currently limited, making the acquisition price of 300 million yuan reasonable under the circumstances [6]. - The regulatory environment is stringent, and the strategic value of obtaining a payment license is significant for online travel agencies (OTAs) aiming to create a closed-loop ecosystem [6][9]. Strategic Implications - The acquisition allows Tongcheng to integrate payment services with its existing offerings, enhancing user experience and operational efficiency [7][8]. - By embedding payment solutions into high-frequency travel transactions, Tongcheng can increase user retention and drive growth in its payment business [7]. Future Opportunities - The upcoming launch of the Hainan Free Trade Port is expected to provide additional opportunities for payment services, particularly in cross-border tourism [5]. - The integration of payment capabilities with consumer finance products can lead to personalized financial services, transforming Tongcheng from a transaction intermediary to a comprehensive service platform [8][10]. Compliance and Risk Management - Following the acquisition, it is crucial for Tongcheng to establish robust compliance and internal control systems to navigate the highly regulated payment landscape [10]. - The expansion of financial services will require enhanced risk management capabilities to address potential regulatory challenges and consumer protection issues [8][10].
SHOPLINE获新加坡金管局原则性批准 有望取得主要支付机构牌照
Xin Lang Ke Ji· 2025-09-26 16:07
据介绍,目前,SHOPLINE Payments 已建立完善的治理、合规及运营基础设施。取得支付机构牌照 后,SHOPLINE将能够为商家提供更具竞争力的定价、更快的结算速度,并强化交易安全与用户体验。 同时,多货币支持能力也将助力商家实现真正的全球业务覆盖。 责任编辑:王许宁 新浪科技讯 9月27日凌晨消息,SHOPLINE宣布旗下子公司Instage Technology Pte Ltd获得新加坡金融管 理局(MAS)授予的原则性批准(IPA),有望取得主要支付机构(MPI)牌照。若最终获批, SHOPLINE将可在新加坡提供五项受监管支付服务,包括账户开设、本地及跨境汇款、商户拓展以及电 子货币发行。 SHOPLINE是欢聚集团于2019年战略投资的全球零售解决方案商,可为全球品牌卖家提供一站式解决方 案。获得原则性批准标志着 SHOPLINE Payments 在监管合规方面取得关键性里程碑。 ...
CoGoLinks结行国际首拿阿联酋支付牌照,支付行业“出海”寻找新增长极
Hua Xia Shi Bao· 2025-09-22 12:42
当国内支付市场几近饱和,新牌照发放没有增长空间之际,国内的持牌支付机构开始加大对海外市场 的"攻城略地"。 9月18日,国内跨境支付机构CoGoLinks结行国际宣布,其海外主体公司递交的验收材料已通过迪拜金 融服务管理局(DFSA)审核,在阿联酋获得金钱服务许可,允许CoGoLinks结行国际在阿联酋境内开 展支付账户运营、支付交易处理及支付工具发行等业务。CoGoLinks结行也成为首家在阿联酋获得正式 支付牌照的中国跨境支付平台。 近期,有数家拥有支付牌照机构宣布海外市场拓展进展,诸如新大陆宣布在中国香港及美国设立子公司 香港星驿支付公司及NovaPay,获批MSB(货币服务业务)牌照,并筹备申请MSO(货币服务运营商) 牌照;新国都也组建成立跨境事业群,负责跨境支付和境外本地收单业务的开展,公司取得卢森堡PI (支付机构许可证)牌照、香港MSO牌照、美国MSB牌照;移卡获得美国MSB联邦支付牌照和亚利桑 那州MTL(货币转移许可证)州级支付牌照,并获得日本经济产业省的正式批准,可在日本开展线上 线下扫码收单业务。 "近年来,在政策支持鼓励与全球经济变革日益深化的大背景下,出海已成为支付机构谋求多元业务 ...
跨境支付的牌照竞赛
Bei Jing Shang Bao· 2025-09-18 02:12
Core Insights - The cross-border payment industry is entering a new phase characterized by a significant trend of "going global," with companies actively seeking overseas licenses to enhance their competitive edge [1][2][3] Group 1: Company Developments - CoGoLinks International has officially obtained a "money service license" in the UAE, allowing it to operate payment accounts, process transactions, and issue payment tools [2][3] - CoGoLinks is a subsidiary of the Jiehang Technology Group, focusing on providing digital solutions in cross-border trade, including e-commerce and traditional foreign trade [2] - The company has also received preliminary approval from the Monetary Authority of Singapore to prepare for a large payment institution license [3] Group 2: Industry Trends - The competition among cross-border payment institutions has shifted from a "channel war" to a "license arms race," with many companies applying for and acquiring licenses globally [3][4] - As of now, companies like Lianlian Digital and PingPong hold numerous licenses across key markets, indicating a trend towards building a robust compliance foundation [3][4] Group 3: Market Dynamics - The push for overseas licenses is driven by intense competition in the domestic payment market and the higher fees associated with cross-border payments [4][5] - Companies are expanding their services beyond simple payment processing to include local acquiring, multi-currency settlement, and foreign exchange management [6][10] Group 4: Strategic Considerations - Firms are advised to prioritize obtaining key licenses in strategic markets to balance compliance depth with service breadth [8][10] - The focus is shifting from merely acquiring licenses to enhancing comprehensive service capabilities, including technology innovation and localized service [9][10] Group 5: Challenges and Risks - Obtaining overseas payment licenses involves navigating complex regulatory environments and can take 1-2 years, requiring extensive communication with local regulators [7][9] - There are risks associated with license retention, as some countries may revoke licenses if certain market performance indicators are not met [9]
又一家获阿联酋牌照,支付机构加速海外“掘金”
Guo Ji Jin Rong Bao· 2025-09-16 12:58
Group 1 - CoGoLinks has obtained a payment business license in the UAE, becoming the first Chinese cross-border payment platform to do so [1] - The UAE's e-commerce market is projected to grow from 32.3 billion AED (approximately 8.8 billion USD) in 2024 to over 50.6 billion AED (approximately 13.8 billion USD) by 2029, with a compound annual growth rate of 56% [1] - The UAE's free trade zone policies, including zero corporate income tax and 100% foreign ownership, enhance its attractiveness for cross-border e-commerce and payment services [2] Group 2 - The UAE's Ministry of Economy has launched the "Free Zone Strategy 2030" and "Digital Economy Strategy 2025," further strengthening the region's appeal for cross-border payment services [2] - The process of obtaining payment licenses varies by country, with significant regulatory and cultural differences posing challenges for companies [2] - Several payment institutions, including Payoneer and PingPong, have announced obtaining overseas licenses this year, indicating a trend of Chinese payment companies expanding internationally [3]
“有赞支付”获央行批准,注册资本增至2亿深耕支付业务
Sou Hu Cai Jing· 2025-07-15 03:51
Core Viewpoint - Youzan Technology's payment subsidiary has officially changed its name to "Beijing Youzan Payment Co., Ltd." and is the first retail technology service company to obtain a payment license in China [1][2]. Group 1: Company Developments - The registered capital of Youzan Payment has increased from 150 million yuan to 200 million yuan, reflecting a commitment to long-term development in the payment business [1][3]. - The name change is a response to regulatory requirements and aims to clarify the brand positioning of "Youzan Payment," enhancing recognition and trust among merchants and partners [2][3]. Group 2: Regulatory Compliance - The formal name change of Youzan Payment complies with the "Non-Bank Payment Institutions Supervision Management Regulations," which require non-bank payment institutions to obtain approval from the People's Bank of China and include "payment" in their names [3]. Group 3: Business Strategy - The additional investment of 50 million yuan will primarily be used to strengthen technology research and development, risk management systems, and service capabilities, ensuring safer, more efficient, and stable payment solutions for merchants [3]. - Youzan Payment has exited the operation of Class II stored value accounts and is focusing on enhancing its payment services [3]. Group 4: Product Offerings - Youzan Payment has launched two core products: "Youzan Collection" and "Youzan Distribution." Youzan Collection allows customers to receive payments through various methods, including WeChat Pay, Alipay, and bank cards, even without purchasing Youzan's SaaS products [5]. - Youzan Distribution supports flexible revenue sharing models for supply chain, secondary distribution, and franchise operations, processing both orders that go through Youzan Payment and those that do not [5]. - The company aims to continue adhering to compliance, safety, and efficiency principles while leveraging its strong SaaS ecosystem to enhance payment services and contribute to the growth of the digital economy [5].
三闯港交所,富友支付业绩增收不增利,四年累计被罚690万
Nan Fang Du Shi Bao· 2025-05-21 09:33
Core Viewpoint - Shanghai Fuyou Payment Service Co., Ltd. (Fuyou Payment) is making its third attempt to go public on the Hong Kong Stock Exchange (HKEX) after two previous failures, facing challenges such as increasing revenue without profit growth, declining gross margins, compliance issues, and high dividend payouts [1][2][5]. Group 1: IPO Attempts and Financial Performance - Fuyou Payment submitted its prospectus on May 9, with CICC and Shenwan Hongyuan as joint sponsors [1]. - The company has previously attempted to list on the HKEX in April and November of last year but failed due to not completing hearings within six months, leading to the expiration of its prospectus [2]. - Financial performance shows revenue growth from 1.102 billion RMB in 2022 to an expected 1.634 billion RMB in 2024, while net profit decreased from 147 million RMB in 2022 to an expected 84 million RMB in 2024 [2][3]. Group 2: Revenue and Profitability - Fuyou Payment's revenue for 2022 to 2024 is projected at 1.102 billion RMB, 1.142 billion RMB, 1.506 billion RMB, and 1.634 billion RMB respectively, while net profits are projected at 147 million RMB, 71 million RMB, 93 million RMB, and 84 million RMB [2][3]. - The company is experiencing a state of increasing revenue but decreasing profits, attributed to rising administrative expenses and other losses [2]. Group 3: Gross Margin Trends - The gross margin has declined from 28.4% in 2022 to 25.2% in 2023, with a slight recovery to 25.9% expected in 2024 [3][4]. - The decline in gross margin is due to increased commission rates for partners and competitive pressures leading to reduced service fees [3][4]. Group 4: Dividend Policy and Compliance Issues - Fuyou Payment has faced scrutiny over its high dividend payouts, distributing a total of 365 million RMB in cash dividends from 2021 to 2025, which accounts for 90% of its net profits during that period [5]. - The company has been penalized multiple times for compliance issues, totaling 6.9 million RMB in fines since 2021, with the latest penalties related to foreign exchange regulations [8]. Group 5: Shareholding Structure - The shareholding structure is relatively dispersed, with Fuyou Group holding 61% of Fuyou Payment, while other shareholders hold smaller stakes [6][7]. - The founder, Chen Jian, has significant influence through various holdings, including indirect stakes via Fuyou Group [7].