艾媒咨询|2020年中美第三方支付行业专题研究报告

本报告研究涉及企业/品牌/案例：支付宝、PayPal、拉卡拉、Square。

中美第三方支付产业主要由转接清算组织、账户侧支付机构、收单侧支付机构以及软硬件供应商构成，产业规模效应明显，部分环节已经形成寡头竞争甚至垄断格局。受制于监管政策以及市场成熟度的影响，中美第三方支付产业在账户侧市场以及收单侧市场的差异尤为明显。技术创新助推移动支付成为市场主流，2019年中美移动支付用户规模分别为7.33亿人和0.64亿人，市场渗透率相差较大。中国移动支付在账户侧市场已经形成寡头存量争夺局面，需要靠扩大场景覆盖以及业务创新来驱动发展；美国移动支付账户侧市场发展较慢仍处于扩张阶段。在收单侧市场，具备长尾效应的中小商户成为中美收单侧支付机构争夺的焦点，围绕支付业务向商户提供一站式支付解决方案是未来趋势。艾媒咨询分析师认为，在全球数字化发展的浪潮中，支付机构的赋能作用以及价值创造能力将进一步提升，尤其在商户服务领域，围绕支付业务打造闭环服务生态具有巨大增长潜力，以Square和拉卡拉为代表的先行者发展前景广阔。

The third-party payment industries in China and in the United States are mainly composed of payment and settlement organizations, account-side payment institutions, acquirer-side payment institutions, and software and hardware suppliers. The industry scale effect is obvious, and oligopoly and even monopoly have appeared in some links of the industry. Due to the influence of regulatory policies and market maturity, the differences between the Chinese and American third-party payment industries in the account-side market and the acquiring-side market are particularly obvious. Technological innovation has promoted mobile payment to become the mainstream of the market. In 2019, the scales of mobile payment users in China and in the United States were 733 million and 64 million, and the market penetration rate is quite different. Oligopoly has already appeared in China's mobile payment in the account-side market, and Chinese market needs to rely on expanding scenario coverage and business innovation to drive development; the US mobile payment account-side market is slow to develop and is still in the expansion stage. In the acquiring-side market, small and medium-sized merchants with long-tail effects have become the focus of competition among Chinese and American acquiring-side payment institutions. It is the future trend to provide merchants with one-stop payment solutions around payment services. iiMedia Consulting analyst believes that in the wave of global digital development, the enabling role and value creation capabilities of payment institutions will be further improved, especially in the field of merchant services. Building a closed-loop service ecosystem around payment businesses has huge growth potential. The pioneers represented by Lakala and Square has broad prospects for development.

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.

艾媒报告 | 2017-2018中国第三方移动支付市场研究报告

iiMedia Research(艾媒咨询)数据显示，2018年第一季度，针对沃尔玛华西区停用支付宝站队微信支付事件，有53.5%的受访网民反对该站队行为，其中有22.3%的受访网民会因此不再到沃尔玛消费。艾媒咨询分析师认为，商家选择支付方式站队的行为难以获得网民支持，容易造成客户流失。第三方移动支付产品的站队竞争或会影响商家和用户的利益。

艾媒报告|2017上半年中国第三方移动支付市场研究报告

iiMedia Research（艾媒咨询）数据显示，2016年网上支付交易规模达2085.0万亿元，较2015年增长3.3%，2016年移动支付规模达157.6万亿元，较2015年增长45.6%。艾媒咨询分析师认为， 移动支付和网上支付交易规模差距正在逐步缩小，但整体差距明显，随着移动支付出海以及应用场景拓展，短期内移动支付交易规模将保持高速增长。

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.

艾媒咨询｜2021年中国移动支付行业研究报告

近年来，移动支付得到了广泛应用，且已经成为我国众多消费者日常的主要支付方式。数据显示，从2014年到2020年，中国移动支付交易规模呈持续上升趋势，2020年中国移动支付业务规模达到432.2万亿元。在用户规模和使用频率增加的驱动下，未来移动支付交易规模将持续增长。

艾媒咨询｜2022年中国数字货币发展研究报告

在数字经济高速发展的背景下，数字货币是未来最关键的金融基础设施之一，我国出台了相关政策推动数字人民币规模化发展。iiMedia Research（艾媒咨询）调研数据显示，接近五成的受访者认为未来数字货币健康稳步发展，逐渐在市场上流通；44.5%的受访者认为数字人民币将代替移动支付和现金支付。

艾媒报告丨2016上半年中国移动客服市场发展研究报告

iiMedia Research（艾媒咨询）数据显示，预计到2016年底，移动客服市场规模将达28.9亿，增长率为91.4%。艾媒咨询分析师认为，随着移动端应用迅猛发展，移动客服也将保持较快速度的增长。

2013年中国移动支付发展行为研究报告

本报告是由艾媒咨询行业分析专家领衔撰写，主要分析了该行业的市场规模、发展现状与投资前景，同时对该行业的未来发展作出科学的趋势预测和专业的行业数据分析，帮助客户评估该行业的投资价值。

2011-2015年中国手机支付市场发展状况分析报告

根据艾媒市场咨询统计的数据，到2007年全年，全国手机支付定制用户新增495万户，总量首次突破1000万户，全年交易超过108亿元。2007年，银联互联网安全支付系统已连接10家全国银行和13家区域性银行，实现交易超过1000亿元。第一代手机支付的基本功能包括：手机话费查询和缴纳、银行卡余额查询、银行卡账户信息变动通知、公用事业费缴纳、彩票投注、数字化产品购买等。