Chapter 870 Making an attack in the east and attacking in the west
Shenzhen.
WeFortune is a payment services company.
It does not have a payment license, but it has a large number of merchant resources. For example, if Tencent needs to develop any payment business, VFT can import its own merchant resources to Tencent.
To put it simply, they are middlemen/agents who make some hard-earned money.
On this day, Xian Dan, the boss of Wei Futong, that’s right, came to the Tencent building in person and met with the relevant person in charge. This is a big deal. If it can be won, Wei Futong can make another one.
steps.
Both sides got straight to the point.
"QQ Pay wants to develop offline QR code business. You are a well-known service provider in Shenzhen. I hope we can reach cooperation."
"Of course, of course, but when we do this kind of business, the first requirement is to become the general agent. If you can accept it, we will continue to talk."
"Yes, we have invited you to discuss it because we are interested in your company's strength."
The two parties negotiated the terms step by step, and the core content was the "handling fee"!
For traditional credit cards, issuing banks, UnionPay, and acquirers charge merchants fees at a ratio of 7:2:1.
In the current situation, WeChat/Alipay/QQ will replace UnionPay, and the acquirer will also have to charge fees from merchants.
The state stipulates that different industries have different limits. For example, the handling fee in the catering industry must not exceed 1.25%.
The two argued for a long time, and finally said: "Okay, okay, our QQ payment will only charge you a 0.5% handling fee. It can't be lower. If we can, we will reach an agreement!"
"0.5%?"
Xian Dan quickly calculated the calculation in his head and said: "Okay, 0.5 is 0.5!"
The initial negotiation was settled and both parties were very happy.
The principle is: Weifutong can develop lower-level agents and go to cities and counties to promote QQ payment.
For example, the final handling fee negotiated with the merchant is 1.25%, the county-level agent gets 0.1%, the city-level gets 0.2%, and 0.95% is left in the hands of Weft, and 0.5% of it is given to Tencent, and the remaining 0.45% is
profit.
Don’t look at the small amount, add up to it. Every QR code payment will be charged 0.45%.
When Xiandan left the Tencent building, he already had a comprehensive plan in mind. He would first promote it to merchants with POS machines. Their acceptance was relatively high, while small merchants, middle-aged and elderly people had lower acceptance.
This has been verified in [QR Code Community].
Hey, 99 is a good person!
A video was actually released to provide everyone with experience, so that all upstream and downstream industries can have a basic understanding, making it easier to carry out work.
…
Weifutong is very familiar with this kind of work and quickly found a bunch of lower-level agents.
There are many brave gold diggers and step-by-step workers in the world. Every time an opportunity comes, some people will get rich, some will go bankrupt, and some will be as ordinary as water.
The promotion of QR codes can be considered an industry, whether big or small. Many people consciously see the business opportunities in it and invest in it one after another.
Li Yang is a small boss from Guangxi and has opened a small company.
He felt that QR codes were very promising, so he took the initiative to find Weifutong, negotiated terms, and became a lower-level agent.
"I paid 700,000 first, including agency fees and money for purchasing terminal system equipment. Plus office rental, employee salaries, etc..."
Li Yang made a quick calculation and invested 2 million in advance, which was very painful.
But comfort yourself, it doesn’t matter, you can’t let go of your child to trap the wolf.
Because he has won the agency rights in Guangxi, he can continue to develop lower-level agents and harvest them!
…………
In this way, Tencent and Alibaba started promoting QR codes with great enthusiasm.
99 is also very popular. They are also looking for agents. The negotiation process is extremely cumbersome. They repeatedly push back and forth on the handling fee, as if they deliberately fail to negotiate.
But the slogan is so loud that today it will be promoted nationwide, tomorrow it will be launched in the Northeast, and the day after tomorrow, 100 QR code communities will be built, and the atmosphere will be full.
Thanks to the publicity of the three companies, the concept of QR code payment quickly spread among the younger generation of Internet users.
In future generations, we will have payment codes, collection codes, and time limits, which will become invalid when the time comes - that is a security guarantee that was developed after years of exploration.
There is nothing now, only the function of the payer scanning the QR code.
Anyone can generate a QR code, it is not that difficult. This thing is new and many people have no concept of security. They want to scan the code when they see it. If there is a Trojan horse in it, the information will be stolen.
…
Greater Shenyang.
Xiao Zhang, who is in his 20s, is a fashionable QR code scanner.
She found a website that specializes in recharging mobile phone bills. It said that China Unicom, China Mobile, and Telecom mobile phones can be recharged, and the account will arrive in 10 minutes. Scan the QR code to pay, which is convenient and fast.
In future generations, anyone who says it takes 10 minutes to recharge a mobile phone will be slapped to death.
We don’t have this function now, most of them still use recharge cards...
So, Xiao Zhang scanned it, but there was no prompt message or text message after scanning. She didn't know if she had rushed in, but it didn't matter, she was a young man.
As a result, at night, she discovered that her mobile phone was in arrears.
She called the news hotline of the TV station. The TV station happened to be paying attention to QR codes and reported a special issue. She also found an "anti-virus engineer" to demonstrate how to generate QR codes and reminded everyone not to scan them casually but to scan them casually.
Recognize the publishing party Yunyun.
…
Big SJZ.
Boss Zeng is a musical instrument seller, with offline stores and online stores. One day, a customer contacted him through Taobao and said he wanted to buy a piano.
"Dear, how can I serve you?"
"I want to buy a piano, maybe six or seven."
"So many?"
"Yes, I teach children!"
"We have a complete range of piano models here, you see..."
"Oh, what I need is different. It's too troublesome to tell you one by one. I'll send you a QR code. Scan it and there will be a diagram inside, which is the model I need."
"Oh, that's okay!"
Ever since, Boss Zeng received a QR code.
He scanned it, and a link appeared first. He clicked it without thinking, and then a document that needed to be downloaded appeared. He thought this was the model information, so he clicked download.
As a result, nothing happened after downloading.
Boss Zeng felt something was wrong and contacted Alipay's customer service. The other party said: "You just changed your password and paid 20,000 yuan!"
20000!
Boss Zeng immediately called the police.
………………
On the one hand, 99, Tencent, Alibaba, and even Baidu and Sina, which have just obtained payment licenses, are promoting QR codes.
Agents of various companies are traveling all over the country, going up to shopping malls and down to villages and counties, showing a booming momentum.
On the other hand, there are more and more similar cases.
When people lose money, they will naturally report it to the police and banks. These things will then be reported to the decision-makers.
So Yao Yuan was setting up a trap openly.
Using QR codes to consume the resources of Alibaba and Tencent, and more importantly, to divert their attention to cover up what they really want to do: