北京商报讯（记者 刘四红）2026年1月9日，北京商报记者注意到，根据中国人民银行广西壮族自治区 分行行政许可信息公示表，中通支付有限公司获准增加注册资本至2.1亿元人民币。 中通支付成立于2008年，于2012年6月获得《支付业务许可证》，业务范围包括互联网支付（现储值账 户运营Ⅰ类）、预付卡发行与受理（广西、广东、云南，现储值账户运营Ⅱ类）等业务。 ...

有人黯然退场，有人罚单加身，有人酝酿转型……第三方支付行业的2025年，不太好过。 截至目前，行业洗牌仍在提速。2026年1月6日，北京商报记者注意到，人民银行最新数据显示，2025年内已注销12张支付牌照，中钢银通信息技术服务有 限公司（以下简称"中钢银通支付"）成为第108张被注销的牌照持有者。而这一数量较2024年来看进一步攀升，出清节奏显著加快。 与行业出清相伴的是严监管的持续。据北京商报记者不完全统计，2025年，人民银行及各分行共开出至少82张支付行业罚单，合计罚没金额超2.93亿元， 其中多张罚单金额达千万元级别，监管"零容忍"态度贯穿全年。随着2026年行业新格局渐显，中小机构的生存战进入攻坚时刻。 被注销的第108张牌照 支付牌照又少了一张。人民银行官网显示，截至2025年12月26日，年内已有12家支付机构的牌照被正式注销，剩余持牌机构数量缩减至163家，而这一数 据，较行业高峰期已减少40%以上，行业洗牌进入"深水区"。 被注销的第108张牌照是中钢银通支付，该公司成立于2011年，于2012年6月获得支付牌照，最初获准开展预付卡发行与受理，而后又增加了互联网支付业 务。官网显示，中钢银 ...

公开信息显示，中钢银通成立于2011年，并于2012年6月获得支付牌照，最初获准开展预付卡发行与受 理，后来在2014年7月增加了互联网支付业务。作为上海中钢投资集团控股子公司，中钢银通以建设钢 铁行业支付平台为目标，为相关企业客户提供支付、资金管理等综合解决方案。 2025年7月10日，人民银行上海市分行发布的行政处罚决定信息显示，中钢银通因违反商户管理规定、 违反机构管理规定、违反账户管理规定、违反清算管理规定，被警告、通报批评，没收违法所得 170500.54元，并罚款684万元。 实际上，近年来，支付牌照进入重新布局洗牌阶段，每年都有牌照被注销。比如2023年，有15家支付机 构被注销牌照，退出市场。2024年有10张，2025年央行注销的支付牌照也有12张之多。 对此，中国邮政储蓄银行研究员娄飞鹏告诉记者，当前支付牌照缩减有三方面原因：一是监管部门进一 步强化支付机构监管，支付机构积极响应监管要求，通过增资扩股、调整股东结构等方式，为业务拓展 和产品服务创新夯实基础，无法满足监管要求的机构被淘汰；二是部分支付机构盈利困难或违规行为较 为严重；三是支付机构内部整合，也会使支付牌照缩减。 （来源：经济参 ...

至此，人民银行年内注销支付机构达12家，总计注销108张牌照。 北京商报讯（记者 岳品瑜 董晗萱）12月26日，据人民银行官网行政审批公示信息，"已注销许可机 构"列表中新增中钢银通信息技术服务有限公司。该公司此前获批业务类型为互联网支付、预付卡发行 与受理（上海市）。2022年6月，其支付牌照不予续展。 ...

| | 变更前机构详细信息(2017年6月27日至2021年12月16日) | | --- | --- | | 许可证编号 | Z2013431000011 | | 公司名称 | 中钢银通信息技术服务有限公司 | | 法定代表人(负责人) | 金天安 | | 住所(营业场所) | ┣海市浦东新区浦申路438号1703-1 | | 业务类型 | 互联网支付、预付卡发行与受理(上海市) | | 一名要盖范围 | | | 换证日期 | 2017-6-27 | | 首次许可日期 | 2012-6-27 | | 有效期至 | 2022-6-26 | | 备注 | | | | 变更前机构详细信息(2014年7月10日至2017年6月26日) | | --- | --- | | 许可证编号 | Z2013431000011 | | 公司名称 | 中钢银通信息技术服务有限公司 | | 法定代表人(负责人) | 金天安 | | 住所(营业场所) | ┣海市浦东新区浦申路438号1703-1 | | 务类型 | 互联网支付、预付卡发行与受理(上海市) | | 一名君善范围 | | | 发证日期 | 2014-7-10 | | 有 ...

Core Viewpoint - The payment industry is undergoing significant changes to comply with new regulations, as evidenced by the recent rebranding and capital increase of Beijing Youzan Payment Co., Ltd, formerly known as Beijing Gao Huitong Commercial Management Co., Ltd [1][3]. Company Summary - Beijing Youzan Payment has changed its name and increased its registered capital from 150 million to 200 million yuan, aligning with the regulatory requirements set forth by the People's Bank of China [1][2]. - The company was established in August 2008 and has held payment licenses since June 2012, expanding its operations to multiple regions and adding internet payment capabilities [2][3]. - As of June 2025, the company will cease its prepaid card operations, retaining only the first category of stored value account operations [2][3]. Industry Summary - The implementation of the Non-Bank Payment Institutions Supervision and Management Regulations has prompted a wave of changes among payment institutions, with over 30 companies approved for various modifications since the start of 2025 [4]. - Currently, more than 80 payment institutions have names that do not comply with the new regulations, with 36 still lacking the word "payment" in their names as of July 13 [4]. - The industry is expected to continue experiencing consolidation and transformation, with companies focusing on expanding their services and exploring new business opportunities, including technological innovations and international expansion [5].

Core Viewpoint - Shanghai Fuyou Payment Service Co., Ltd. is making efforts for its IPO, having submitted its prospectus to the Hong Kong Stock Exchange for the third time, but has faced challenges including declining profitability and compliance issues [1][4]. Financial Performance - In 2024, Fuyou Payment achieved a revenue of 1.634 billion yuan, an increase of 8.54% year-on-year, but its net profit decreased by 9.31% to 84.325 million yuan [4]. - The company's gross margin for 2024 was 25.9%, which, while up 0.7 percentage points from 2023, was down 2.5 percentage points from 2022 [4]. - The decline in gross margin is attributed to increased commission rates for channel partners and competitive pressures in the cross-border payment service sector [5]. Business Strategy - Fuyou Payment plans to allocate 35% of the IPO proceeds to enhance its product offerings through innovative solutions, 30% for technology platform investments, 15% for expanding its payment network, 10% for overseas business expansion, and 10% for working capital [2]. Compliance Issues - Since 2021, Fuyou Payment has faced four administrative penalties totaling approximately 6.9 million yuan due to non-compliance with relevant laws and regulations [6]. - The company has been involved in 47 lawsuits related to its previous services for P2P platforms, with 39 cases resolved by the last feasible date [6][7]. Market Position - In 2024, the total transaction payment volume (TPV) of China's comprehensive digital payment service market was 268.6 trillion yuan, with Fuyou Payment holding approximately 0.8% market share, ranking eighth overall and fourth among independent providers [7]. - The top three digital payment service providers dominate the market, holding a combined market share of 75.6%, creating significant competitive pressure for smaller players [8]. Future Outlook - The ability of Fuyou Payment to successfully complete its IPO remains uncertain, with ongoing monitoring of its progress [9].