全球领先的新经济产业第三方数据挖掘与分析机构
关于“POS机支付”的报告
艾媒报告|2019中国第三方B端支付市场专题研究报告
本报告研究涉及企业/案例/品牌：拉卡拉,苏宁支付,易宝支付，银联商务，通联支付，瑞银信，随行付，银盛支付
iiMedia Research（艾媒咨询）数据显示，2018年中国实有各类市场主体11020万户，其中个体工商户规模超7000万户，庞大的企业市场主体催生了支付机构服务B端的巨大市场。而针对B端支付的业务中，收单业务成为第三方B端支付企业重点挖掘的对象。截至2019上半年，中国联网POS机已达3287.3万台，每万人对应POS机235.6台。小微商户除了收单业务外，对于营销、财务管理等服务也具有较高的使用需求。iiMedia Research（艾媒咨询）数据显示，85.4%的受访商户表示会关注第三方支付平台增值服务的提供情况。但受限于经营体量，它们难以开发相关业务系统或寻找适合的服务渠道。而第三方B端支付平台也开始以支付为切口，为小微商户提供增值服务，以更好地赋能商户经营。
As the data of iiMedia Research showed, there were 110.2 million market entities in China in 2018, of which more than 70 million businesses were self-employed, and the huge market participants gave birth to a huge market for payment institutes to serve merchants. Among all the business for merchant payments, receipt business becomes the focus of third-party merchant payment enterprises. As of the first half of 2019, the connect POS has reached 32.873 million units, with 235.6 POS per 10000 people. In addition to receipt business, small and micro enterprises also have a high demand for marketing, financial management and other services. As the data of iiMedia Research showed, 85.4% of the interviewed enterprises expressed concern about the value-added services provided by the third-party payment platforms. However, limited by their business volume, it is difficult for them to develop relevant business systems of find suitable service channels. The third-party merchant payment platform has begun to take payment as a starting point to provide value-added services for small and micro enterprises, in order to better enable enterprises to operate.-
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艾媒报告|2019中国刷脸支付技术应用社会价值专题研究报告
本报告研究设计企业/品牌/案例：支付宝
2019年上半年移动支付交易规模达166.1万亿，在移动支付市场规模逐渐扩大以及人脸识别技术发展渐趋成熟的背景下，刷脸支付开始崭露头角。iiMedia Research(艾媒咨询)数据显示，预计2022年中国刷脸支付用户规模将超7.6亿人。刷脸支付的发展以及普及，对于用户、商家以及社会有着重要价值。对于用户而言，刷脸支付省时、便捷、体验好和能实现信息与交易安全保障。iiMedia Research(艾媒咨询)数据显示，受访用户对在流程耗时、便利程度、支付体验、交易安全和信息安全五个方面对刷脸支付的满意度分别为8.1、7.3、7.3、7.1和7.0，高于其他非现金支付方式的满意度。对于商家来说，刷脸支付赋能商家的经营发展，帮助他们改善排队效率、提高顾客好评率、提高竞争力和增加客流。九成的受访商家认可接入刷脸支付后，顾客排队效率和顾客好评的提升。刷脸支付的发展同时也带动着上下游产业的发展，促进硬件制造商、传感器制造商等新产业新职业就业的发展，为社会带来巨大价值。
In the first half of 2019, the transaction scale of mobile payment reached 166.1 trillion yuan. In the context of the gradual expansion of the mobile payment market and the gradual maturity of face recognition technology, the face-scanning payment has begun to emerge. As the data of iiMedia Research showed, it is estimated that the scale of users of face-scanning payment in China will exceed 760 million in 2022. The development and popularity of face-scanning payment is of great value to users, corporate and society. For the user, the face-scanning payment saves time, is convenient, and ensures information and transaction security. As the data of iiMedia Research showed, the respondents' satisfaction with the face-scanning payment in terms of spending time, convenience, payment experience, transaction security and information security are 8.1, 7.3, 7.3, 7.1 and 7.0, higher than other non-cash payment methods. For merchants, the face-scanning payment empowers their management, helping them improve queue efficiency, improve customer feedback, improve competitiveness and increase customer flow. Ninety percent of the surveyed merchants recognized the increase in customer queuing efficiency and customer praise after accessing the face-scanning payment. The development of the face-scanning payment also drives the development of upstream and downstream industries, and promotes the development of new occupations and employment in new industries such as hardware manufacturers and sensor manufacturers, bringing great value to the society. -
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艾媒研报|拉卡拉(300773.SZ)：一波三折终上市，收单还能撑多久
本报告研究涉及企业/品牌包括：拉卡拉、联想控股、微信、支付宝、VISA、西藏旅游、考拉金服、财付通、银联商务、通联支付、汇付天下、国付宝、智付、杉德支付、联动优势、银盛支付、卡友支付、付临门支付、随行付、易生支付、北京爱农驿站、易宝支付
C端支付行业饱和，B端支付增速放缓。C端支付市场，支付宝、财付通双寡头格局形成。艾媒北极星系统显示2019年2月支付宝月活跃用户数高达55,651.99万，稳居第一地位，排名第二的翼支付仅有支付宝的1/7，排名第八的拉卡拉支付仅为支付宝1/813倍。B端支付市场方面，2018年联网POS机和银行卡联网商户数达2,733万台和3,451万户，同比增长9.49%和5.42%，增速有所下滑。同时，第三方支付行业政策趋严，2018年，央行对第三方支付违规处罚力度空前。第三方支付机构至少收到2.03亿元处罚。但随着行业逐步规范化，中小支付机构运作成本增大，行业资源将向更加规范的头部企业聚集，与其他体量较小的支付机构拉开差距。
C-end payment industry saturated, B-end payment growth slowed down. Alipay and Cai Fu Tong formed a duopoly pattern in the C payment market. Polaris System of iiMedia shows that the number of active users of Alipay in February 2019 has reached 556.52 million, ranking the first place. Second is Wing Payment accounting for only 1/7 of Alipay's, while the eighth ranked Lakala only 1/813 times of Alipay's. As for the B-end payment market, the number of online POS machines and bank cards reached 27.33 million and 34.51 million in 2018, an increase of 9.49% and 5.42% over the same period of last year, and the growth rate declined slightly. At the same time, the third-party payment industry policy has become stricter. In 2018, the central bank imposed unprecedented penalties on third-party payment violations. Third-party payment agencies received at least 203 million yuan in penalties. However, with the gradual standardization of the industry, the operating costs of small and medium-sized Payment institutions increase, and industry resources will gather to more standardized head enterprises, which will open the gap with other smaller payment institutions. -
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艾媒咨询 | 2025年中国移动支付行业发展状况与用户行为调查数据
在数字化浪潮与金融科技深度融合的推动下，中国移动支付行业近年来取得了令人瞩目的发展成就，成为全球支付领域的重要引领力量。根据全球领先的新经济产业第三方数据挖掘和分析机构iiMedia Research（艾媒咨询）最新发布的《2025年中国移动支付行业发展状况与用户行为调查数据》数据显示，2024年中国移动支付交易规模达到563.7万亿元，未来随着居民收入水平提高和科技的不断进步，未来中国移动支付交易规模还会继续增长。在中国移动支付用户使用过手机支付的主要场景中，大型商超以67.91%的占比成为移动支付用户使用手机支付最多的场景，其次是便利店和餐饮门店，占比分别为66.94%和65.64%。这表明绝大部分用户愿意在线下使用手机支付。在中国移动支付用户手机支付主要使用的账户类型中，支付宝余额以68.23%的高占比位居首位，微信零钱以64.18%的占比紧随其后，排名第二。说明大部分用户习惯方便快捷的交易账户类型。艾媒咨询分析师认为，未来，行业需在保障支付安全的前提下，进一步优化用户体验，拓展跨境支付等新业务领域，推动移动支付服务向智能化、个性化、国际化方向迈进。
Driven by the deep integration of the digital wave and fintech, China's mobile payment industry has achieved remarkable development accomplishments in recent years and has become an important leading force in the global payment field. According to the latest "iiMedia Report | Survey data on the development status and user behavior of China's mobile payment industry in 2025" released by iiMedia Research, a world-leading third-party data mining and analysis institution for the new economy industry, the transaction scale of China's mobile payment reached 563.7 trillion yuan in 2024. In the future, with the increase in residents' income levels and the continuous advancement of technology, the transaction volume of mobile payment in China will continue to grow. Among the main scenarios where mobile payment users in China have used mobile payments, large supermarkets, with a proportion of 67.91%, are the scenarios where mobile payment users use mobile payments the most, followed by convenience stores and restaurants, with proportions of 66.94% and 65.64% respectively. This indicates that the vast majority of users are willing to use mobile payment offline. Among the main account types used by mobile payment users in China for mobile payment, Alipay Balance ranks first with a high proportion of 68.23%, followed closely by wechat Wallet with a proportion of 64.18%, ranking second. It indicates that the majority of users are accustomed to convenient and fast transaction account types. Analysts from iiMedia Research believe that in the future, the industry needs to further optimize user experience under the premise of ensuring payment security, expand new business areas such as cross-border payment, and promote the development of mobile payment services towards intelligence, personalization and internationalization. -
艾媒报告|2019上半年中国移动支付行业研究报告
本报告研究涉及企业/品牌/案例：华为钱包，微信支付，京东，苏宁支付，华为钱包，口碑支付，QQ钱包，翼支付，美团收款，百度钱包，银联云闪付,壹钱包，花呗，腾讯金融，淘票票，余额宝，蚂蚁森林，蚂蚁庄园，摩拜
2019上半年中国移动支付交易规模达到166.1万亿元，较2018年上升24.2%，增长势头重回正轨。中国移动支付市场竞争格局主要分为两个梯队，第一梯队是支付宝和财付通，因其先发优势占据市场；第二梯队以苏宁支付、云联闪支付为代表，其产品格局特点，具有忠实用户群体。C端支付市场区域饱和，逐渐朝向场景垂直化、服务多元化精细化方向发展，而B端市场竞争加剧。iiMedia Research（艾媒咨询）数据显示，2018年中国实有各类市场主体11020万户，其中个体工商户7328.6万户，大量市场主体对于移动支付B端服务的需求，带动移动支付B端市场的发展。移动支付平台主要从大数据云计算等基础能力、平台发展运营能力和金融能力三方面赋能商家。受访商家偏好接入的移动支付产品主要是支付宝和微信支付两大巨头产品，具有银联背景的云闪付排名第三，占比达35.6%。主流支付平台不仅赋能B端，更进军海外市场，支付宝、微信支付、苏宁支付纷纷布局跨境支付市场。未来，跨境业务发展成必然趋势，移动支付开始向全球发展。
In the first half of 2019, the scale of China mobile payment transactions reached 166.1 trillion yuan, up 24.2% from 2018, and the growth momentum is back on track. China mobile payment market competition pattern is mainly divided into two echelons, the first tier is Alipay and Tenpay, because of its first advantage to occupy the market; the second tier is represented by Suning Pay and cloud joint flash payment, and its product pattern features have a loyal user group. The ‘To C’ payment market is saturated in the region, and gradually tends to verticalize the scene and refine the service diversification, while the ‘To B’ market competition intensifies. As the data of iiMedia Research showed, there are 11.2 million market entities in China in 2018, including 73.286 million individual businesses entities. A large number of market entities' demand for mobile payment ‘To B’ services drives the development of mobile payment B-terminal market. Mobile payment platform mainly includes three aspects: basic capabilities such as big data cloud computing, platform development and operation capabilities and financial capabilities. The mobile payment products that the respondents preferred to access were mainly the products of the two giants, Alipay and WeChat Pay. The Yunshanfu with the UnionPay background ranked third, accounting for 35.6%. The mainstream payment platform not only empowers the merchants, but also goes overseas, and Alipay, WeChat Pay and Suning pay have arranged the cross-border payment market. In the future, cross-border business will become an inevitable trend, and mobile payment will begin to develop globally. -
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