经济观察网蚂蚁国际旗下企业跨境贸易支付与账户服务品牌万里汇(WorldFirst)近日获批马来西亚国家银 行MSB(Money Services Business)A类牌照。截至目前，万里汇通过自持或与当地持牌机构合作的方式在 中国内地、中国香港、新加坡、北美、澳大利亚等多个国家和地区获得超过60张支付牌照，覆盖欧美、 东南亚、澳洲等核心贸易区域。(编辑胡群) ...

8月5日，中国人民银行河南省分行发布的最新罚单显示，快钱支付清算信息有限公司（下称"快钱支 付"）河南分公司因违反特约商户管理规定、违反清算管理规定被警告，没收违法所得并处罚款共计 40.800578万元。 | 序号 | 当事人名称 (姓名、职务)决定书文号 | 行政处罚 | 违法行为类型 | 行政处罚 作出行政处罚 作出行政处罚 | | | 公示期限 自公示之 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 内容 | 决定机关名称 | 决定日期 | 日起计算 | | | 快钱 支付清算 豫银罚决字 - 速发特约商户管理 收费法所 信息有限公司〔2025〕21 22 违反清算管理规 - - | | | 得并处罚中国人民银行2025年7月25 款共计 | 河南省分行 | H | 三年 | | | 河南分公司 | 1 | | | | | | | | | | | 40. 80057 | | | | | | | | | 8 万 元 | | | | 值得一提的是，这并不是2025年快钱支付首次被罚，年内该公司共收3张罚单，累计罚没金额超6 ...

北京商报讯（记者廖蒙）这家支付机构再度被罚。8月6日，北京商报记者注意到，中国人民银行河南省分行日前披露的罚单显示，快钱支付清算信息有限 公司（以下简称"快钱支付"）河南分公司因违反特约商户管理规定、违反清算管理规定被警告，没收违法所得并处罚款共计40.800578万元。 | | 当事人名称 行政处罚(姓名、职务)决定书文号 | 违法行为类型 内容 | 行政处罚 作出行政处罚 作出行政处罚 决定机关名称 | 决定日期 | 公示期限 日起计算 | | --- | --- | --- | --- | --- | --- | | | 快钱支付清算 豫银罚决字 | 日 1. 违反特约商户管理 收违法所 | 中国人民银行 2025年7月25 | | | | | 信息有限公司 . 河南分公司 특 | 得并处罚 款共计 2. 违反清算管理规 定。 40. 80057 | 河南省分行 8 万元 | F | 三年 | | 序号 | | | | | | 值得一提的是，本次罚单已是快钱支付年内第三次被罚，违规事宜也均涉及违反清算管理规定，具体来看，4月11日，快钱支付山东分公司因违反清算管 理规定被人民银行山东省分行罚款2万元；7 ...

支付，作为商业闭环的起点和关键节点，其安全性与便捷性如同企业在全球化赛场上的"数字化命脉"，维系交易信任，守住欺诈 的防线。 然而，当业务跨越区域边界，黑客开始利用新的AI技术，支付安全的挑战也陡然升级。变幻莫测的网络威胁、日益严苛的全球合 规要求、复杂多变的欺诈手段，共同构成了企业全球化征途上的"暗礁险滩"。 麦肯锡2024年的报告显示，未来十年，全球因支付卡欺诈造成的损失预计将达到4000亿美元。冰冷的数字背后，也是全球化企业 面临的真实困境： 7月25日，TrustDecision携手36氪在杭州举办了"数字化时代，全球化企业如何做好安全支付"线下沙龙。 在数据奔流、万物互联的数字化洪流中，全球化企业的商业触角早已无远弗届。 安全支付，再度成为了全球化企业的"生命线"，而非附加题。 从TrustDecision的专业视角和服务经验来看，风控不能一味地追求降低欺诈率，更要考虑企业客户整体的ROI，确保GMV等核心 收入指标不受负面影响，所以需要先提高支付成功率，再阻断风险，最后再用预警来"兜底"，由此构建"全链路安全漏斗"，在降 低欺诈率与保障支付转化率间实现动态平衡，让风控的效能最终回归商业本质。 根据 ...

据EPI官方数据显示，自去年推出以来，Wero已覆盖德国、法国、比荷卢经济联盟等核心市场 75% 以上 的活跃银行账户用户，且这一覆盖率正以每月2%-3%的速度持续增长。按照欧洲核心市场总人口大概测 算，接入Wero有望触达超2.5亿主流消费群体。 另据了解，今年10月，Wero将面向企业端上线电商等场景下的在线购物、店内支付（POS）、订阅支付 等功能。届时，PingPong平台上的企业客户，无需重复对接多套支付系统，通过Wero就能一次触达欧 洲多国消费场景，大幅降低跨境运营成本。同时，通过为用户创造即时的支付体验，还能大大降低弃购 率，提升用户转化。（闫妍） 责任编辑：杨赐 新浪科技讯 8月5日上午消息，近日，全球支付平台PingPong官宣，将成为首批支持企业使用Wero的亚 洲支付公司。今年10月，待Wero面向企业端的支付服务上线后，企业可通过PingPong第一时间获得这 一欧洲市场内统一、即时的数字支付服务，触达2.5亿欧洲用户，加速欧洲市场的开拓布局。 据悉，Wero 是由欧洲支付倡议组织（EPI，下称"EPI"）联合16家欧洲头部银行及金融机构打造的首款 泛欧支付软件，于2024年7月正式 ...

又有支付机构取得海外牌照。 香港上市公司移卡（9923.HK）近日宣布，旗下日本全资子公司YeahPay Japan获日本经济产业省批复， 可在日本开展线上线下扫码收单业务。这是继美国MTL（货币转移许可证）牌照之后，移卡于2025年 在另一国家获得的重要支付资质。 记者了解到，今年以来，多家支付机构积极在东南亚、中东、拉美等地区获取支付牌照。继马来西亚牌 照后，全球支付平台PingPong近期再次官宣，获得阿联酋中央银行（CBUAE）原则性批准，将成为中 国首家持有阿联酋支付牌照的第三方支付机构。 "由于国内支付竞争日趋激烈，叠加跨境支付毛利率优于国内支付等因素，向外拓展并谋求增量市场成 为一些支付机构的现实选择。"受访行业专家建议，优先获取欧美、东南亚等核心市场的稀缺牌照，与 当地金融机构合作，加强本地化运营。 热衷海外拿牌 YeahPay Japan近日获日本经济产业省批复，通过了"信用卡号码等合同缔结业务者"注册，及支付卡产业 安全标准委员会指定的全球性安全标准认证，并取得相关AOC合规证书，可在日本开展线上线下扫码 收单业务。 此前，移卡获得由美国亚利桑那州金融监管部门颁发的MTL牌照，这是继MSB ...

本文为IPO早知道原创 作者｜ Stone Jin 微信公众号｜ipozaozhidao 据 IPO早知道消息， 移卡（ 9923.HK） 于 8月3日 发布公告 称 ，宣布旗下日本全资子公司 YeahPay Japan获日本经济产业省批复，通过了基于日本《割賦販売法》的"信用卡号码等合同缔 结业务者"注册，及支付卡产业安全标准委员会指定的全球性安全标准认证，并取得相关AOC合规证 书，可在日本开展线上线下扫码收单业务。 海外业务是移卡近年来布局的重点。 这是继美国 Money Transmitter License牌照之后，移卡于2025年在另一国家获得的重要支付资 质，标志着移卡全球支付版图的进一步扩张，并将与其他海外国家的支付牌照形成强有力的协同，为 客户提供更为便捷、高效的支付服务。 本次 通过日本《割賦販売法》 "信用卡号码等合同缔结业务者"注册以及取得AOC合规证书，体现 了日本监管部门对移卡产品服务、数据合规、消费者权益保护以及对公司综合实力的认可，同时也为 移卡在日本开展支付业务奠定了合规基础。 此外，据公告披露，移卡基于现有业务基础，与投资企业深圳市富匙科技有限公司将充分发挥在日本 已建立的 ...

Core Viewpoint - The announcement by the Hong Kong-listed company Yika (9923.HK) regarding its subsidiary YeahPay Japan receiving approval from the Japanese Ministry of Economy, Trade and Industry marks a significant expansion in Yika's global payment capabilities, allowing it to conduct online and offline payment services in Japan [1] Group 1 - Yika's subsidiary YeahPay Japan has been registered as a "credit card number contract conclusion business operator" under Japan's Installment Sales Act [1] - The company has also obtained global security standard certification from the Payment Card Industry Security Standards Council, along with the relevant AOC compliance certificate [1] - This development follows Yika's acquisition of the Money Transmitter License in the United States, indicating a strategic expansion of its payment qualifications in different countries [1] Group 2 - The new payment qualifications in Japan will enhance Yika's ability to provide more convenient and efficient payment services to its customers [1] - The expansion is expected to create strong synergies with other overseas payment licenses held by the company [1]

Core Viewpoint - The recent removal of adult games from Steam has broader implications for the gaming industry, highlighting the influence of payment processors on content availability and developer survival [1][10][21]. Group 1: Steam's Actions - Steam has historically maintained strict controls over adult content, but the recent mass removal of games was unexpected and extensive [1][2]. - Following the removals, developers began altering game titles to avoid being flagged [2][3]. - On July 16, Steam updated its guidelines to include a new rule that requires compliance with the standards set by payment processors like Visa and Mastercard [10][11]. Group 2: Collective Shout's Influence - The organization Collective Shout claimed responsibility for the pressure on Steam, leveraging its influence to impact payment processors [3][5]. - Collective Shout has a history of successfully advocating against games perceived as promoting violence against women, such as GTA5 [5][21]. - The organization sent over 1,000 emails to credit card companies, arguing that certain games normalize abuse and exploitation, which pressured these companies to act against Steam [7][8]. Group 3: Payment Processors' Role - Payment processors are primarily concerned with risk management and brand protection, leading them to distance themselves from adult content [14][19]. - The lack of clear standards from payment processors means that game removals can appear arbitrary, influenced by public outcry rather than consistent criteria [21][26]. - The situation raises concerns about the power of payment processors to dictate what content is available to consumers, potentially leading to broader censorship [21][26]. Group 4: Community Response - Players have begun to organize against the influence of payment processors, with petitions gathering around 200,000 signatures, significantly outnumbering Collective Shout's support [28][31]. - The International Game Developers Association has called for greater transparency and fairness in content moderation, though its impact remains uncertain [35][37]. - The ongoing situation reflects a growing discontent with the power dynamics between content creators, platforms, and payment processors, suggesting potential future shifts in the industry [37].

Core Viewpoint - WeChat Pay has adjusted its withdrawal fee structure, lowering the minimum fee from 0.1 yuan to 0.01 yuan while maintaining a rate of 0.1%, marking the entry into a "fraction" era for withdrawal fees. This change reflects a focus on user retention and a shift towards "refined charging" in the payment industry [1][4][9]. Fee Structure Changes - The new rule states that after the free withdrawal limit is exhausted, a service fee of 0.1% will be charged on the excess amount, with a minimum fee of 0.01 yuan for transactions that would otherwise incur a fee lower than this threshold [3][4]. - Previously, users faced a minimum fee of 0.1 yuan for any withdrawal, which disproportionately affected those making small withdrawals. The new structure allows for a more equitable fee system, especially benefiting users withdrawing smaller amounts [4][5]. Target User Groups - The primary group affected by this adjustment is high-frequency small withdrawal users. The change is expected to increase the frequency of small withdrawals and reduce the tendency to clear out balances, encouraging users to keep funds within the WeChat ecosystem [6][8]. - The adjustment is seen as beneficial for both users and the platform, enhancing user satisfaction and brand loyalty while also aligning with the platform's commercial logic of focusing on user financial behaviors [6][8]. Industry Context - The adjustment is part of a broader trend in the payment industry towards refined service models, moving away from large-scale competition to more tailored services. This shift is evident when comparing WeChat Pay's model to that of Alipay, which offers a higher free withdrawal limit but less favorable minimum fees for small transactions [8][9]. - Analysts suggest that WeChat Pay's strategy is to leverage its social connectivity to solidify its user base in small, frequent transaction scenarios, while Alipay is focusing on attracting larger fund users through enhanced financial services [8][9]. Recommendations for Improvement - To further enhance user experience, it is recommended that WeChat Pay increase fee transparency by clearly communicating fee structures and potential savings during the withdrawal process. This could help mitigate user resistance stemming from information asymmetry [9][10]. - Additionally, the platform could negotiate with banks to pass on cost savings to users, potentially implementing tiered fee discounts for high-frequency small withdrawal users, optimizing costs for both the platform and its users [10].