Micro-payment market will remain relatively diversified

The development and popularization of the Internet has changed people's traditional consumption patterns. The rapid development in electronic online payment solution today, with the diversity of payment needs, "micro-payment" of this subdivision to pay the market caused the emergence of attention. It is understood that the micro-payment "and usually refers to small payments from a fraction to a few dollars, the user need only enter the account password to reduce the tedious process of repeatedly certified bank or financial accounts convenient, safe payment method.
Between online consumer content, such micro-payment behavior is more and more opportunities to the industry. Micro-payment news, digital music, TV and movie content consumption behavior more common in customers to buy. Meanwhile, abroad, Facebook, Apple's application store has long been a similar micro-payment system, use it to buy virtual gifts and applications.

The Whip consulting firm is expected that the European micro-payment market size of € 6 billion, will reach 15 billion euros in 2015. This means that the micro-payment market will grow at a CAGR of 15% in the next four years, the rapid rise of this rate will be a lot of industry can not match. Whip is expected, appropriate technology has been widely used in Europe (such as video on demand set-top boxes, fast broadband connection, the smart phone mobile facilities, etc.), then the size of the market in 2015 and may even exceed 15 billion euros.

It is understood that the micropayment business model is divided into four categories: payment card and payment service provider; electronic wallet; aggregate payment, virtual payment interface, online transfers, peer-to-peer online payment service; operators and Internet service providers billing system.

In fact, the growing number of third-party payment companies have begun to layout online games, mobile phone online shopping, SNS community, cell phone use micro-payment market, such as tengxuncai Shengda Sheng pay Trackback Bao, Yi Bao payment and Zhejiang Mobile and so has introduced a "micro-payment platform.

TenPay example, by virtue of the huge market demand Tencent games, TenPay to create a "micro-payment platform to focus on simplify the cumbersome payment link, allowing users to more easily carry out large quantities of micro-payment, the real dense, fast, secure payment, "the flow experience. Recently, news that Tenpay will further upgrade its "micro-payment" system, and gradually covering Tencent's game, open platform, QQ video, e-books and other digital entertainment scene, to provide users with efficient, convenient micro-payment account services. , TenPay also "micro-payment business penetration to external third-party market.

Tencent games, without having to leave the game interface is just one click, you can purchase goods and payment without having to enter a password, to achieve true "one-click payment. The same time, TenPay digital certificates, phone verification, SMS notification, pay limits and other security settings, allowing users to close state, but also achieve financial security.

It is understood that the online games online fees and online games virtual props micro-payment necessary part of the online payment, online vendors to improve cooperation with third-party payment paid by the users experience and operating earnings were necessary to choose. Many game operators have tasted the sweetness of the reporter learned that, "Hu Levin Three Kingdoms" game TenPay recently carried out jointly by the micro-payment promotions, the amount of user involvement that presents a growth spurt, the amount paid increased by nearly one-day chain twice as much.

TenPay official said the next step will be micro-payment rapid and full penetration into other digital entertainment scene such as QZone, friends, Q +, 3366 game platform applications, and comprehensive coverage of the QQ video, e-books and other digital entertainment scene . At the same time, TenPay actively seek digital entertainment, business partners, such as the SNS community, video, books, online music, driven by third-party payment industry in the digital entertainment on the healthy development of the first-mover advantage.

Whip consulting experts believe that there is no suitable for different products and consumer payment solutions. An efficient micro-payment solutions must continue to make online payment gateway adjustments based on the exact type of product characteristics, as well as consumer preferences for groups of consumers to purchase products. The expert said the outlook for pay prospects for the development of micro, micro-payment solutions market in the foreseeable future will remain relatively diversified. With the growth of consumer demand, and digital media distributors, the use of micro-payment will continue to grow.