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掘金海外!支付机构瞄准欧美、东南亚
Guo Ji Jin Rong Bao· 2025-08-04 17:18
Core Insights - The article highlights the increasing trend of payment institutions obtaining overseas licenses to expand their operations in international markets [2][4][7] - Companies like YeahPay Japan and PingPong are leading this movement by securing important payment licenses in Japan and the UAE, respectively [2][4][6] Company Developments - YeahPay Japan has received approval from Japan's Ministry of Economy, Trade and Industry to conduct online and offline QR code payment processing [4] - PingPong has announced it has obtained payment licenses from both the Central Bank of Malaysia and the Central Bank of the UAE, making it the first Chinese third-party payment institution to hold these licenses [4][6] - Airwallex has successfully acquired a payment license from Brazil's central bank and completed a strategic acquisition of MexPago in Mexico, enhancing its presence in Latin America [5] Industry Trends - There is a notable shift among payment institutions towards international expansion due to increasing domestic competition and higher profit margins in cross-border payments [2][7] - Industry experts suggest that obtaining licenses in core markets such as Europe, Southeast Asia, and the Middle East is crucial for building competitive advantages and ensuring compliance [8] - The article emphasizes the importance of localizing operations by establishing subsidiaries and collaborating with local financial institutions to mitigate political risks [8]
“先拿牌照、再拓市场”,支付机构出海“卷”起来了
Bei Jing Shang Bao· 2025-08-04 12:19
Core Viewpoint - The payment industry is experiencing a competitive race for global licenses and local compliance capabilities as domestic markets face saturation, prompting companies to expand overseas [1][5]. Group 1: Company Developments - Yika announced that its wholly-owned subsidiary YeahPay Japan received approval from the Japanese Ministry of Economy, Trade and Industry, allowing it to conduct online and offline QR code payment services in Japan [3]. - Since exploring overseas markets in 2021, Yika has obtained various payment licenses, including those from Hong Kong, Singapore, and the United States, marking significant progress in its global payment strategy [4]. - Yika's overseas transaction volume is projected to exceed 1.1 billion RMB in 2024, reflecting a nearly fivefold year-on-year growth [4]. Group 2: Industry Trends - The domestic third-party payment market is becoming increasingly saturated, leading many companies to seek growth opportunities abroad [5]. - Competitors like PingPong and LianLian have also accelerated their overseas expansion, with PingPong acquiring over 60 global payment licenses and LianLian establishing a network of 65 licenses across multiple regions [5][6]. - The trend of "first obtaining licenses, then expanding into markets" is widely recognized among payment institutions to mitigate regulatory risks [8]. Group 3: Market Challenges - Despite the growing demand for payment services driven by cross-border e-commerce, companies face significant challenges, particularly in compliance and local market adaptation [9]. - The competitive landscape is intensifying, with many players entering the market, leading to product and service homogenization [9][10]. - Companies must enhance their service quality, innovation capabilities, and local partnerships to succeed in the increasingly competitive overseas markets [10].
移卡(09923.HK)日本子公司获支付资质及PCI DSS认证
Jin Rong Jie· 2025-08-04 03:37
Core Insights - The company, Yika (09923.HK), has successfully completed the registration of its wholly-owned subsidiary Yeahpay Japan Limited as a credit card number and contract establishment business operator in Japan [1] - The company has also passed the Payment Card Industry Data Security Standard (PCI DSS) certification, which is a global security standard for handling credit card data from major brands like Visa, Mastercard, and American Express [1] - This certification allows the company to conduct online and offline QR code payment processing in Japan, significantly enhancing its business momentum and strategic positioning in the Japanese payment market [1]
移卡(9923.HK)进一步拓展日本支付业务
Jin Rong Jie· 2025-08-03 13:11
Core Viewpoint - Yike Card (9923.HK) has successfully registered as a "credit card number contract business operator" under Japan's "Installment Sales Act," marking an expansion of its global payment footprint [1] Group 1: Business Expansion - Yike Card's wholly-owned subsidiary, Yeahpay Japan Limited, received official approval from Japan's Ministry of Economy, Trade and Industry [1] - This approval allows the company to conduct online and offline QR code payment processing in Japan, significantly enhancing its operational capabilities in the Japanese payment market [1] Group 2: Compliance and Certification - The company has successfully passed the Payment Card Industry Data Security Standard (PCI DSS) certification, which is essential for handling credit card data from major brands like Visa, Mastercard, and American Express [1] - The achievement of the Attestation of Compliance (AOC) certificate underlines the company's commitment to global security standards [1] Group 3: Strategic Partnerships - Yike Card plans to leverage its existing business foundation and collaborate with Shenzhen Fushi Technology Co., Ltd. to utilize local sales and product teams established in Japan [1] - The company aims to expand its payment and value-added service offerings by utilizing its experience in promoting local life and in-store e-commerce services on international platforms like Xiaohongshu and Dazhong Dianping [1]