本报记者 李冰 日前，银盛支付服务股份有限公司（以下简称"银盛支付"）因多项违规，被罚没超千万元，董事长亦被追责。这成为2026 年第三方支付行业首张千万元级别罚单。 资料显示，银盛支付成立于2009年，是银盛科技服务集团旗下子公司，2011年获中国人民银行首批颁发的《支付业务许可 证》，并于2016年、2021年两次成功续展支付牌照，获准在全国从事互联网支付、移动电话支付、银行卡收单业务。银盛支付 还是率先支持外卡收单的第三方支付机构。2024年支付业务类型重新划分后，该机构业务类型调整为全国范围内的储值账户运 营Ⅰ类、支付交易处理Ⅰ类。 这并非银盛支付首次收到大额罚单。2025年3月份，该公司因违反商户管理规定、违反清算管理规定、未对外包服务商开 展尽职调查、与身份不明客户进行交易，被罚没约324万元；2022年3月份，银盛支付因未按规定履行客户身份识别义务、未按 规定保存客户身份资料和交易记录、未按规定报送大额交易报告或可疑交易报告、与身份不明客户进行交易等违规行为，被罚 没约2245万元。 "从过往历史来看，银盛支付已多次收到大额罚单，暴露了公司在治理上可能存在系统性问题，机构需将合规要求真正转 化为 ...

Core Viewpoint - The recent fine imposed on JiaLian Payment highlights ongoing regulatory scrutiny in the payment industry, emphasizing the importance of compliance in merchant management and clearing processes [1][2][3] Group 1: Regulatory Actions - JiaLian Payment was fined 1.41 million yuan for violations related to merchant management and clearing regulations, with illegal gains of 1,293.91 yuan confiscated [1] - The company has previously faced penalties for similar violations, including a 2.99 million yuan fine in October 2023 for non-compliance in clearing management and merchant management [2] Group 2: Company Performance - JiaLian Payment processed approximately 721.8 billion yuan in transaction volume in the first half of the year, with revenue of 949 million yuan and a net profit of 88.5 million yuan [1] - As of the reporting period, the company had total assets of 2.356 billion yuan and net assets of 892 million yuan [1] Group 3: Industry Insights - The payment industry is facing challenges due to a focus on scale over compliance, leading to vulnerabilities in merchant management and clearing processes [3] - Regulatory changes, such as the "Non-Bank Payment Institutions Supervision Management Regulations," have imposed stricter requirements on merchant real-name systems and transaction authenticity, pushing companies to enhance their compliance frameworks [3][4] Group 4: Compliance and Risk Management - Companies in the payment sector need to improve their qualification review capabilities and establish robust security measures to prevent issues like cash-out and money laundering [4] - JiaLian Payment plans to adopt a risk-based approach to strengthen its compliance management and ensure a closed-loop control process for merchants [3]

Core Insights - The payment industry is experiencing a mixed performance, with some companies achieving revenue growth through diversified strategies while others face pressure from declining transaction volumes in card acquiring business [1][2][3] - The implementation of the 259 Document by the People's Bank of China is impacting transaction volumes, particularly in card acquiring, leading to a strategic shift towards cross-border payment services [1][5] Financial Performance - Haike Rongtong's parent company, Cuiwei Co., achieved a revenue of 1.71 billion yuan, a year-on-year increase of 0.86%, but reported a net loss of 311 million yuan [2] - Guotong Xingyi's parent company, Newland, reported a revenue of 6.244 billion yuan, a 12.04% increase, with a net profit of 937 million yuan, up 14.03% [2] - Lakala reported a revenue of 4.068 billion yuan, a decline of 7.32%, and a net profit of 339 million yuan, down 33.90% [3][4] Impact of Regulatory Changes - The 259 Document restricts card acquiring operations, leading to a decrease in transaction volumes and impacting revenue for many payment institutions [5] - The regulation aims to eliminate illegal practices in card acquiring, which has resulted in a contraction of transaction volumes across the industry [5] Growth in Cross-Border Payments - Cross-border payment services are emerging as a significant growth area for payment institutions, with companies like Lakala reporting a cross-border payment volume of 60.2 billion yuan, a year-on-year increase of 71.91% [6] - Newland's overseas payment device revenue grew over 26%, and the company is expanding its cross-border payment operations [6] - Companies are increasingly focusing on global market expansion, with Newland planning to issue H-shares to enhance its international strategy [6] Market Trends - The global payment market is projected to grow significantly, with offline payment volumes expected to exceed 42.6 trillion USD by 2027, indicating a robust demand for cross-border payment solutions [7] - The demand for localized payment solutions is rising as Chinese companies expand overseas, with significant growth in cross-border payment transaction volumes reported by various companies [8]

Group 1 - The People's Bank of China (PBOC) Jiangsu Branch announced administrative penalties against Lakala Payment Co., Ltd. Jiangsu Branch for violating acquiring business management regulations, resulting in the confiscation of illegal gains amounting to 61,423.7 yuan and a fine of 250,000 yuan [1] - Lakala Payment Co., Ltd. Jiangsu Branch was established on February 2, 2010, and operates in the business services industry. The parent company, Lakala Payment Co., Ltd., was founded in 2005 and went public on the Shenzhen Stock Exchange in April 2019 under stock code 300773 [1] - Recent changes in Lakala's shareholder structure include reductions in shareholding by Lenovo Holdings and Sun Haoran, with their respective holdings decreasing to 23.97% and 0%. The company stated that these changes will not affect its governance structure and control [1] Group 2 - Nanjing Citizen Card Payment Co., Ltd. received a warning and a fine of 85,000 yuan for violating prepaid card business management regulations [1] - The PBOC Tianjin Branch also announced a penalty against Tianjin Urban One Card Payment Co., Ltd. for violating prepaid card business management regulations, resulting in a fine of 30,000 yuan [2] - Prepaid cards, also known as single-purpose prepaid cards, are issued by enterprises in retail, accommodation, catering, and resident services sectors in China, and can only be redeemed for goods or services within the issuing enterprise or its affiliated group [2]