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 ...

（原标题：喜讯！移卡获得日本支付机构资质） 根据日本政府公布的2024年度支付数据，2024年日本非现金支付比例达到42.8%，在各支付工具中，信 用卡支付仍然占据最大份额，为79.3%；扫码支付作为日本增速最快的支付工具，2024年同比增长 26%，占整体支付的比例为13.2%。 移卡此次通过日本《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 建立的本地化销售和产品团队优势，帮助品牌客户在小红书和大众点评海外版等国际平台推进本地生活 和到店电商服务的业务经验，逐步拓展更多支付及增值服务场景。 海外业务是移卡近年来布局的重点。自2021年开始探索海外市场以来，移卡便以合规为导向，积极申请 各地牌照，先后获得香港MSO、新加坡MPI、美国MSB、美国MTL等支付牌照和相关资质，加速布局 海外支付牌照。 与此同时，移卡在全球推出了本地钱包、海外钱包、信用卡、联合收单 ...

Core Viewpoint - The increasing competition in the domestic payment sector and the higher profit margins in cross-border payment services are driving payment institutions to expand into overseas markets to seek new growth opportunities [2][3]. Group 1: Licensing and Global Expansion - PingPong has recently obtained a payment license from the Central Bank of the UAE, becoming the first Chinese third-party payment institution to hold such a license [3]. - The company also secured an MSB license in Malaysia, marking significant progress in its global expansion strategy [3]. - Other payment institutions like Yikac and Lianlian Digital are also actively acquiring overseas licenses to sustain growth in cross-border business [2][3]. Group 2: Market Trends and Demand - The demand for cross-border payment services is surging due to the expansion of Chinese enterprises abroad, with increasing needs for cross-border trade, supply chain finance, and multi-currency settlements [3][6]. - The trend towards globalization and compliance in the cross-border payment industry is evident as institutions seek to transform from single payment channels to comprehensive financial service platforms [3][6]. Group 3: Profit Margins and Financial Performance - Cross-border payment business has shown significant revenue growth, with Lakala's cross-border payment transaction volume reaching 49.2 billion yuan, a 14% year-on-year increase [6]. - Lianlian Digital reported a total payment volume of 281.5 billion yuan in global payments, with a 63.1% year-on-year growth and a cross-border payment profit margin of 72%, placing it among the global leaders [6]. - Yikac's overseas business transaction volume exceeded 1.1 billion yuan in 2024, marking a nearly fivefold increase [6]. Group 4: Challenges in Obtaining Licenses - Obtaining overseas payment licenses is a complex and lengthy process, often taking several years to complete, which serves as a test of the comprehensive strength of payment institutions [4][5]. - The application standards for payment licenses globally are stringent, with specific requirements for local registration and compliance with various regulatory frameworks [5]. Group 5: Strategic Considerations - The geopolitical landscape can impact payment institutions' overseas operations, making it essential to acquire multiple licenses to mitigate regional risks [7]. - Payment institutions are leveraging their technological advantages and local market characteristics to implement localized operations in foreign markets [7][8].

再获重磅级支付牌照。 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） 日前 获得由美国亚利桑那州金融监管部门颁发的 Money Transmitter License（简称：MTL）牌照，这是继Money Services Business（MSB）之后，移 卡获得的另一重要支付牌照，也意味着移卡的全球化战略迈出重要一步。 为了快速推动市场拓展以及增强客户黏性，移卡在积极推进全球化战略布局的同时，不断加强内部之 间的交叉协同，包括多方面的支付渠道、高效的服务交付能力以及海外投资公司等，有效帮助移卡拓 展汽车、奢侈品、美容美发、休闲娱乐等新行业客户，其中包括 Clinique、Arabica、Bose、徕卡 相机等知名品牌商户，客户结构更为多样化，业务增长韧性也进一步增强。 2024年，移卡海外业务发展不断提速。最新财务数据显示，2024年移卡海外业务全年交易量超11 亿元人民币，同比增长近5倍，展现出强劲的市场拓展能力与客户认可度。 本文由公众号IPO早知道（ID：ipozaozhidao）原创撰写，如需转载请联系C叔↓ ...