Will it start soon? Code payment fee is charged.Is the commission "evil"?

Actual of code payment fees

When the entry entry of code payment companies around 2018 accelerated, each business operator launched a "short -term fee free" as a calling water for pioneering member stores.

Even if the commission, which is originally an important source of income, is free, the flow that prioritizes the development of member stores has intensified the industry's physical strength competition, but it is about to end soon.

In particular, PayPay, which had been pointed out by multiple stakeholders before entry, had to follow this movement, and had to follow it.

Looking at the free period of competitors, Melpei is until June 30, and if you are shared by Mel Pay for individual member store sales, until September 30 (if you apply after April 1).), Au Pay is currently free until July 31, but suggests the possibility of paid after August.The LINE Pay is also available on September 30, extending the free response time, which was originally in August, with a view to integrating member stores with PayPay.

The free response itself is originally separated from the period, and it is nothing but a promise violation to stop it as notice.

However, small and medium -sized stores that did not introduce cashless payment methods such as credit cards because they hated fees and installation burden of equipment, were "free (for a limited time) fee free", "no special equipment is required,"There is also the ease of posting the QR code that has been posted at a stretch, and it is said that fees may have a negative impact on this trend.

In fact, recently, there are multiple reports introducing the voices of the member store with the content that "fees will be a headwind to code payment companies including PayPay", and it is an interest for merchants.It seems certain.

When I interviewed Kiitanabe in Wakayama Prefecture before, Mr. Tagami of the Yoneya "Tagami", who took the initiative in PayPay, said, "It is free of charge, there is no extra cost for use, and if you do not like it, you can stop it anytime.It is said that he actively called on the introduction of PayPay to local shop owners as well.As a result, PayPay was available at many stores around Kiitabe Station two years ago, and I was able to see PayPay's "Nobori" and Acciptan Small here and there.

If these small stores do not feel the benefits of using PayPay, they may leave the member store or fade out without appealing that PayPay can be used.Therefore, the PayPay side is in a state where the paid decision and the rate setting are quite nervous.

One thing to keep in mind is that for code payment companies that claim "free payment fee" including PayPay, the free commission is applied to "if you sign a direct contract in the MPM method".That's the point.In other words, there is no dedicated device after the member store contract, and only when the printed QR code sent by the service provider is installed, it will be "free of charge".

In other cases, if you use a common code such as JPQR or Smart Code, or if you perform a chord payment acousting via a agency called "gateway", the fee is set properly and the commission is set.It is collected.The mechanism like the AIR pay of the recruitment, and the method of reading the barcode with an infrared leader in the POS of the chain store corresponds to this.

It is not difficult to imagine that a considerable number of code payments have already been made at convenience stores and supermarkets, but about 2-3 % of commissions are still paid to code payment companies every time through these payments.

Furthermore, the payment rate of PayPay is made up to September 30 by payment made through JPQR..59 %, 3 after October.The 24 % set is the intentional high rate setting to guide you to a direct contract with PayPay, not a common code.

PayPay Vice President, Deputy President Executive Officer COO Kazu Kazu Kazu Kazu, who had previously been interviewed, saying, "It's more free to sign a contract with us more than a contract with a high rate rate (with a relay company)."I'm answering.He has declared everywhere he "aims to aim for the lowest level in the industry" about the fee for paying fees, and as partly said, "I have jumped to the top of the industry, so I will raise the rate at once and embark on it."I don't have the intention.However, it is unlikely that the precious source of income, "free commission", is in a healthy state in the industry as a whole, and it seems certain that the balance is troubled.