当二维码成为新兴市场"跳过银行卡"的跳板，全球卡组织正把主战场搬到手机屏上。 近日，银联表示，已携新"四方模式"登陆约50个国家和地区，把钱包、手机厂商、聚合服务商等一并拉 进跨境网络，实现跨境支付"一码互通"。与此同时，Visa也于今年11月宣布在亚太地区上线"Scan to Pay"，允许不同钱包之间二维码互认互扫。 扫码出海，硝烟才起。但业内人士指出，银联锚定中国境内外之间的双向跨境客流，Visa则深耕亚太本 地钱包互联，两者客群错位，不会正面交锋。 联合打造新"四方模式" 今年以来，银联新"四方模式"屡现报端。 2025年1月，在银联国际与印尼支付系统协会（ASPI）等机构推动中国印尼跨境二维码互联互通的合作 发布会上，中国银联董事长兼银联国际董事长董俊峰表示，顺应全球支付产业发展趋势，银联正联合各 方打造新"四方模式"，积极推进跨境支付"互联互通"工作，将合作机构范围进一步向产业上下游延伸， 在实现自身发展的同时助力产业转型升级。 11月28日，在2025银联全球合作伙伴大会上，董俊峰再次对外阐述了银联的新"四方模式"：在传统"四 方模式"中引入钱包机构、手机厂商等泛账户方，收单服务商、聚合服务商等 ...

Core Viewpoint - China UnionPay is collaborating with global partners to establish a new ecosystem for cross-border payments through the innovative "new four-party model" [1][2]. Group 1: Cross-Border Payment Cooperation - On November 28, China UnionPay signed memorandums of cooperation with 11 domestic and international institutions, including Bank of China and Malaysia's PayNet, to enhance cross-border payment connectivity [1]. - The "new four-party model" aims to create a more inclusive and open payment ecosystem by integrating various stakeholders, including wallet providers and acquiring service providers, to form a comprehensive network [1][3]. Group 2: Global Payment Network Expansion - China UnionPay has established or advanced cross-border payment cooperation with approximately 50 countries and regions, expanding its global payment service network [1]. - The global acceptance network of UnionPay now covers 183 countries and regions, deeply penetrating core consumption scenarios such as travel and entertainment [3]. Group 3: Innovative Payment Solutions - The new model has received widespread recognition from global partners, facilitating access for millions of small and micro merchants to the vast purchasing power of China and the world [2]. - UnionPay's approach emphasizes collaboration with local institutions rather than attempting to replace them, focusing on mutual benefits and expanding the cross-border payment market [2][3]. Group 4: Support from Regulatory Bodies - Under the guidance of the People's Bank of China, UnionPay is responsible for the construction and operation of a unified cross-border QR code gateway, enhancing cooperation efficiency with domestic payment institutions [4]. Group 5: Positive Feedback from Partners - Partners from various countries have praised UnionPay's cross-border payment practices for fostering an interconnected ecosystem and reducing fragmentation in the global payment landscape [5]. - The emphasis on shared infrastructure and flexible collaboration models has been highlighted as a significant value by partners, facilitating rapid deployment of tools and shared global standards [5]. Group 6: Future Initiatives - At the launch event, UnionPay's leadership announced the "Open Payment Joint Initiative," which was supported by 72 domestic and international institutions, aiming to build a globally interconnected payment network [6].