【#海口多家嘉艺坊停业# 消费者担忧：预付卡里还剩钱咋办？】正月初八是春节假期后的第一个工作 日，各商铺纷纷开门营业，而就在当天，海南本土烘焙品牌嘉艺坊各家门店却未开工，同时，一份《致 公司全体员工的停业告知通知》则在网上引发关注。2月25日，记者走访发现，海口不少地区的嘉艺坊 门店均是大门紧闭，人去店空，先前的小程序、App已无法使用。有消费者不禁担忧，门店停业，那预 付卡里剩余的钱该怎么办呢？ ...

原标题：又一机构退场，支付牌照仅剩162张，预付卡是注销"重灾区" 21世纪经济报道记者 叶麦穗 第三方支付牌照数量正持续缩减。近日，中国人民银行官网更新注销许可机构名单，河南聚宝支付有限公司（原 河南汇银丰信息技术有限公司，以下简称"聚宝支付"）的支付牌照被注销，成为2026年首家退出市场的支付机构。实际上，自央行2011年签发 首批第三方支付牌照以来，已累计发出271张牌照，其中，存续数量缩至162张，注销数量增至109张，超四成支付机构退场。 聚宝支付牌照被注销 资料显示，聚宝支付成立于2011年，是河南省首家获央行支付业务牌照的企业，其最初获准在河南省内开展预付卡发行与受理业务。2024年央 行完成支付业务类型重新划分后，该机构业务类型正式调整为储值账户运营Ⅱ类。不过15年后，聚宝支付最终黯然退场。 在牌照注销的同时，该支付机构同步发布《关于终止支付业务的公告》称，受经济环境等因素影响，决定终止预付卡发行与受理业务，并公布 了用户预付卡赎回、置换的具体安排。公告显示，该公司提供两种方式供客户选择：一是选择办理赎回，二是选择办理置换，即等额置换河南 建业支付科技有限公司（下称：建业支付）发行的预付卡，置 ...

Core Viewpoint - Fuyou Payment has submitted its prospectus to the Hong Kong Stock Exchange for the fourth time, following three previous failed attempts. The company aims to leverage its strong licensing advantages in the competitive digital payment market in China [1][2][4]. Group 1: Company Background and Market Position - Fuyou Payment was established in 2011 and became a member of China UnionPay in 2013, positioning itself as an early licensed payment institution [4]. - As of October 31, 2025, Fuyou Payment has processed a total payment volume (TPV) of CNY 16.34 trillion, handling over 679 billion payment transactions and serving 6.2 million customers across various industries [7][24]. - The company ranks eighth among comprehensive digital payment service providers in China with a market share of 0.8% based on 2024 TPV, while it ranks fourth among independent providers with a market share of 4.5% [25]. Group 2: Financial Performance - Fuyou Payment's revenue for the years 2022, 2023, 2024, and the first ten months of 2025 were CNY 1.142 billion, CNY 1.506 billion, CNY 1.634 billion, and CNY 1.307 billion respectively, with net profits of CNY 71.17 million, CNY 92.98 million, CNY 84.33 million, and CNY 109 million [9][27]. - The majority of revenue comes from comprehensive digital payment services, accounting for 94.7%, 93.9%, 92.5%, and 91.6% of total revenue over the same periods [10][27]. - The gross profit margin has declined from 28.4% in 2022 to 25.2% in 2023, attributed to increased commission rates for channel partners and competitive pressures in the market [12][29]. Group 3: Dividend Policy and Financial Health - Fuyou Payment has consistently issued significant dividends, totaling CNY 225 million from 2022 to 2025, which represents 63% of total profits during this period [14][31]. - The company has a total debt of CNY 4.64 billion and total assets of CNY 5.34 billion as of the first ten months of 2025 [13][30]. - Concerns have been raised regarding the sustainability of high dividend payouts in light of a debt ratio nearing 90%, especially under current regulatory scrutiny emphasizing capital adequacy and risk management [32]. Group 4: Regulatory and Compliance Issues - Fuyou Payment has faced four administrative penalties totaling CNY 6.9 million for non-compliance with relevant laws and regulations since 2021, all fines have been paid [19][36]. - The company has been involved in 47 lawsuits related to P2P platform transactions, with 43 cases resolved favorably for the company [18][35]. - User complaints primarily focus on unauthorized charges and issues related to partnerships with heavily regulated installment services [36].

Core Viewpoint - The China Consumers Association has issued special reminders to guide consumers towards rational consumption and to prevent common consumption risks during the upcoming Spring Festival in 2026 [1][2] Group 1: Key Areas of Focus - Promote frugality and oppose food waste, urging consumers to be mindful of their consumption habits and encouraging restaurants to fulfill their responsibilities in reducing waste [1] - Advise consumers to be cautious when purchasing health foods, emphasizing that these products cannot replace medications and should be verified for authenticity, particularly for elderly family members [1] - Encourage parents to manage their children's use of electronic devices during the winter break, ensuring outdoor activities and adherence to scientific eye care practices [1] Group 2: Consumer Behavior Recommendations - Recommend careful selection of extracurricular training programs, advising parents to verify the qualifications of institutions and understand refund policies in response to the "double reduction" policy [1] - Warn against the risks of prepaid consumption and large upfront payments, suggesting consumers assess offers rationally and choose reputable merchants to minimize financial loss [1] - Advocate for green consumption by choosing products with minimal and environmentally friendly packaging, promoting a culture of resource conservation and environmental protection [1]

Core Viewpoint - The article emphasizes the importance of consumer awareness and caution during the upcoming Spring Festival shopping season to prevent disputes and financial risks associated with prepayments and online transactions [1] Group 1: Consumer Precautions - Consumers are advised to be cautious with prepaid services, especially in the restaurant and beauty sectors, and to avoid large recharge amounts while keeping invoices and payment proofs [1] - When purchasing tickets for events, consumers should clarify refund and exchange policies and avoid dubious ticket sources such as scalpers or unofficial channels [1] - For online entertainment services, consumers should understand membership rights, be wary of automatic renewals, and avoid scams related to low-priced memberships or free offers [1]

"支付行业加速出清的主要因素，并非是支付机构数量的简单减少，而是整个行业的结构性洗牌与监管 范式的升级。"中国邮政储蓄银行研究员娄飞鹏对《证券日报》记者表示，2026年，第三方支付牌照数 量仍有进一步缩减趋势。 本报记者 李 冰 第三方支付牌照数量正持续缩减。 日前，中国人民银行官网更新注销许可机构名单，河南聚宝支付有限公司（原河南汇银丰信息技术有限 公司，以下简称"聚宝支付"）的支付牌照被注销，成为2026年首家退出市场的支付机构。 在牌照注销的同时，聚宝支付同步发布《关于终止支付业务的公告》称，受经济环境等因素影响，决定 终止预付卡发行与受理业务，并公布了用户预付卡赎回、置换的具体安排。公告显示，用户可选择两种 处理方式：一是直接办理预付卡赎回，二是选择办理置换，等额置换河南建业支付科技有限公司（以下 简称"建业支付"）发行的预付卡，置换后的预付卡可在建业支付签约商户使用。 具体办理时间为，2026年2月1日至4月30日，用户可前往聚宝支付购卡大厅办理赎回业务。自2026年4月 30日之后，建业支付将作为业务承接方，继续为用户办理赎回、置换相关业务。 南开大学金融学教授田利辉对《证券日报》记者表示，此次聚 ...

Core Insights - The number of third-party payment licenses in China is continuously decreasing, with the recent cancellation of JuBao Payment's license marking the first exit from the market in 2026 [1][2] - The reduction in payment licenses is attributed to structural reshuffling and regulatory upgrades within the industry, rather than merely a decrease in the number of institutions [1][4] Group 1: JuBao Payment's License Cancellation - JuBao Payment, established in 2011, was the first company in Henan to obtain a central bank payment business license, initially authorized for prepaid card issuance and acceptance [2] - The company announced the termination of its payment business due to economic factors, providing users with options for redeeming or exchanging their prepaid cards [2] - The redemption process is set to occur from February 1 to April 30, 2026, after which Jianye Payment will handle related services [2] Group 2: Industry Trends and Analysis - Since the first batch of third-party payment licenses was issued in May 2011, a total of 271 licenses have been granted, with 162 remaining as of February 2, 2026, indicating a significant reduction [4] - Over 80% of the canceled licenses were for prepaid card businesses, reflecting a trend where users prefer more convenient and secure online payment methods, leading to a shrinking application scenario for prepaid cards [4][5] - Experts predict that the number of payment licenses will continue to decline in 2026 due to stricter regulations, increased market competition, and the exit of institutions with serious compliance issues [5][6] Group 3: Future Industry Directions - The core trend for the payment industry in 2026 is shifting from competition for traffic to focusing on value cultivation, with a more established C-end payment market [6] - Institutions are advised to abandon the "license arbitrage" mindset and upgrade their compliance systems to strategic assets while exploring niche markets like cross-border payments and industrial internet [6]

豫商卡发行与受理业务停止后，聚宝支付提供两种方式供客户选择：一是办理赎回，2026年2月1日— 2026年4月30日期间，客户可选择到聚宝支付公司购卡大厅办理赎回；二是选择办理置换，即等额置换 河南建业支付科技有限公司发行的预付卡，置换后可在河南建业支付科技有限公司签约商户使用。 河南聚宝支付有限公司(下称"聚宝支付")支付牌照于近日被正式注销，这是今年首张被注销的支付牌 照。 据了解，聚宝支付的支付牌照可开展预付卡发行与受理业务，是第109张被注销的支付牌照。截至目 前，央行总计发出271张支付牌照，其中162张仍存续。 记者粗略统计109张被注销的支付牌照发现，七成以上是预付卡牌照。受访行业专家预计，未来储值账 户Ⅱ类(发行和受理预付卡相关服务)牌照和银行卡收单牌照仍然会继续缩量。 支付牌照注销有三方面原因 聚宝支付的支付牌照被注销有迹可循。 早在2025年10月，聚宝支付就因"通过登记的住所或者经营场所无法联系"被郑州市市场监督管理局自贸 区服务中心列入经营异常名录。 1月30日，聚宝支付发布关于终止支付业务的公告称，受经济环境等诸方面影响，公司决定终止预付卡 发行与受理业务，即日起停止豫商卡发行与受理 ...

就后续工作，该公司称可提供两种方式供客户选择：一是选择办理赎回，二是选择办理置换，即等额置 换河南建业支付科技有限公司发行的预付卡，置换后可在河南建业支付科技有限公司签约商户使用。 北京商报讯（记者 刘四红）又一家支付机构退出市场。1月30日，河南聚宝支付有限公司发布关于终止 支付业务的公告，受经济环境等诸方面影响，公司决定终止预付卡发行与受理业务，即日起停止豫商卡 发行与受理业务。 ...

平时去商场购物消费，是否经常被店员推销办会员、充费用？现实生活中，预付式消费方式已经非常普 遍，常见于教育培训、运动健身、美容美发、餐饮零售、生活服务等众多消费场景。这种消费模式，在 为消费者带来优惠和便利的同时，也有助于经营者快速回笼资金、进一步拓展市场，理论上应是一种健 康可持续的经济形态。 然而，近些年来，有关预付式消费的维权案例开始攀升，"卷款跑路""服务缩水""退款无门"等问题日益 突出，成为侵害消费者合法权益、扰乱市场秩序的一大治理难题。当前，北京市政协十四届四次会议正 在召开，不少委员就重点关注了预付式消费乱象，并就开展预付式消费治理提出意见建议。 李杨薇委员： 监管、接诉等部门联动，及时预警高风险商家 她建议，相关职能部门联手打通数据链路，实现商家资质审核、资金存管、投诉处理等信息的实时共 享。在此基础上，对商家实行风险分级管理并动态调整，结合涉及投诉举报情况开展执法检查，及时针 对"高跑路风险"商家启动预警、实施限制性措施。 同时，要通过正向激励措施推动行业诚信自律。联合行业协会建立商家信用评级，引入消费者评价机 制，针对规范经营、长期保持良好信用的商家推出税收减免、贷款降息等方面优惠性支持 ...