Sweeping the code to pay attention to become the POS machine, the industry insiders said that the POS machine industry is still in its infancy

“In the past, there were occasional customers and I said, boss, are you looking for less money? It’s not going to happen now, because you don’t have to find money.” In a small restaurant in Zhongshan Road, Nanchang, two QR codes are attached to the window. After most customers asked the price, they consciously scanned the code and paid the money. The boss confirmed that the whole process was less than 10 seconds. "We also hope that customers pay this way, so they don't have to worry about whether they have received fake money, whether they are looking for more." The boss said with a smile.

The new mobile payment method has embedded the life of Nanchang citizens without knowing it. It is convenient and quick, and some citizens think that it is safer without credit card payment. Then, at the moment when WeChat and Alipay pay “great”, what is the impact on traditional POS card payment? In this regard, the reporter conducted a survey.

â—Ž Status: The collection of QR code into the merchant standard

"Now you can go out without cash, but you can't do it without a mobile phone." Xiong Wenji, a university student in Nanchang, said that he rarely uses cash now. “I haven’t found out in the school that which store can’t be paid by WeChat or Alipay.”

The reporter visited two colleges in Nanchang and found that whether it is a business in the cafeteria, or a supermarket or print shop in the school, the conspicuous position of the checkout counter is posted with the QR code of WeChat and Alipay. Students only need to pull out the mobile phone and open WeChat. Or Alipay scans the corresponding QR code and enters the amount to transfer.

"Alipay accounted for 17.5 yuan." Does not require the store to confirm, after the account is collected, the phone will also give a voice reminder. "It's really convenient. I don't even need to look at the phone, and the amount is basically not going wrong." A cashier at the campus supermarket said that cash payments are easy to make mistakes. "Receiving cash is afraid of receiving fake money, but also counting. Looking for money is also worried about finding more or less, affecting efficiency, but mobile phone payment will not have such confusion."

In fact, mobile payment in colleges and universities is just a microcosm of the rise of new payment methods. As long as you walk around the streets of Nanchang, you will find that the QR code of WeChat and Alipay has almost become the standard in the store.

Viewpoint 1 Mobile payment is the enemy of POS

From the perspective of consumers, Mr. Zhang believes that mobile payment is indeed convenient and fast. “Before going out to eat or buy things, I often find a bunch of coins for change. Now everyone has WeChat, borrowing money and paying back can be paid through WeChat.”

So, is the convenient and fast mobile payment affecting traditional cash payment and POS card payment methods? There is no doubt that the impact of mobile payment on cash payment is huge, especially for young people with strong learning ability and adaptability, mobile payment can be said to have become their mainstream payment method.

So what about traditional credit card payment methods? How much impact does mobile payment have on POS card payment?

"It should be influential. If many people use mobile phones to pay, then people who use POS machines to pay by card will naturally become less." Ms. Yu said that in the future, mobile payment may gradually become the mainstream payment method. “Society is always moving in a more efficient and convenient way. I think mobile payment will be the enemy of POS card payment.”

Viewpoint 2 POS machine industry is still in its infancy

In this regard, the reporter consulted Li Qiang, an industry insider who has been engaged in POS agency business for many years.

"Overall, the new payment method should have an impact on the development of the POS machine industry, but it is not obvious." Li Qiang believes that from the current industry situation, the POS machine industry is still in a prosperous period.

"The position of the POS machine in the payment industry is relatively stable." According to Li Qiang, mobile payment has only recently emerged, and POS machines have been in existence for decades. At least in a short period of time, mobile payment will not be correct. Paying for POS machines is putting too much pressure.

“In fact, the pressure on the POS industry comes from internal competition.” Li Qiang said that before and after 2012, consumer spending continued to grow, and mobile payment did not appear. Everyone used to pay cash or swipe, but for a few For the consumption of thousands of yuan, it is obviously not convenient to pay cash. The POS machine is the only payment method other than cash, which makes the industry ushered in its heyday. "So in those two years, POS brand and agent almost grew by spurt. Everyone thinks this seems to be very profitable, and then they all do this, and this is still the case."

â—ŽInvestigation: Shangchao's large payment still tends to swipe

"Generally, small payments, consumers tend to pay in cash, but involving thousands or tens of thousands of dollars, basically choose to pay by credit card." Li Qiang said, "All along, POS machines are mainly used in large supermarkets, In places with high consumption such as shopping malls, the cost is not high."

"This is also the reason why mobile payment cannot make a big impact on credit card payment." Li Qiang said.

In addition, the reporter found in the survey that most small supermarkets, fruit shops and restaurants in Nanchang rarely use POS machines because the transaction amount is relatively small, and cash payment and mobile payment can meet the needs. However, for large shopping malls and supermarkets, especially for large transactions, cash payment is inconvenient and unsafe, while WeChat and Alipay generally do not save too much money, and the safety factor is not as good as credit card. Therefore, in most of the business, POS card payment methods have always existed.

â—ŽChange: POS machine improved efficiency after improvement

In terms of functions, POS machines have also been improving in recent years. The traditional old POS machine only supports the credit card payment function. After the improvement and innovation, the current POS machine supports the shortcut functions such as checking balance, UnionPay flash payment and scan code payment.

“The previous POS machine was very inefficient. Now when the amount is small, it can be paid for free, and it also supports the payment of the payment code of WeChat and WeChat.” Li Qiang believes that the competition within the industry and the change of the external environment make the POS machine also In the past few years, we have continuously improved the update function. “It’s always a payment tool, a payment method, and if it doesn’t improve efficiency, it will definitely be replaced by other payment methods.”

Although the POS industry is not affected by the new payment methods, Li Qiang also expressed concern. "I think that the POS industry will not change much in at least three to five years. But technology has been developing, efficient and convenient. The payment method will eventually become mainstream."