Payment Business License Payment Business LicensePaymentsBusinessFinance，《People's Bank of China》，People's Bank of China《FinancePayments》 《People's Bank of China》，People's Bank of China《FinancePayments》，20105197Pass，，201091。 #### PaymentsMarket，FinancePayments，Payments，，《People's Bank of China》，。 FinancePayments，FinanceFund： （）Payments； （）Prepaid Card； （）BankCardAcquiring； （）People's Bank of ChinaPayments。 Payments，Fund，、Internet Payment、MobilePayments、Payments、Payments。 Prepaid Card，、Prepayment，、TechnologyCard、Prepaid Card。 BankCardAcquiring，Pass（POS）BankCardContracted MerchantFund。 ，Acquiring，BankCardAcquiring（POS） AcquiringBusiness Credit Card，AcquiringBank，Card，。，CardBank，BankAcquiring。Acquiring，。。AcquiringPassUnionPayIssuing Bank。Issuing Bank。，Fee，BankUnionPay。CardPassUnionPay。 Acquiring POSMerchant，MCC，4，：、、、、KTV、，，、、、，Fee，，，。 CardPOSCard，Merchant，811（4）POSMCC，，0.38%Fee，0.78%，1.25%，POSPOS，Fee，（MCC），MerchantCardMCC，UnionPay。 ：POSAcquiringFinance、POSAcquiringSecurity、Clearing。 ，Internet Payment BankCardAcquiringMarketPBOC，PaymentsAcquiringMarketMarket，Acquiring。Alipay，BankPayment Gateway，BankCardAcquiringMarketUnionPay。，2013 3 Online Payment，PassUnionPay21%，Third-party PaymentBankClearingSettlement。2004 2009 AlipayPayments，2009 AlipayMerchantTransactionPayments。Alipay AlipayTransactionPayments AlipayCommercial BankMerchantPayments。Bank，Credit CardPaymentsAlipayTransaction0.5%Fee，Bank0.3%。UnionPayTransaction，UnionPayPayments。AlipayMerchantPaymentsBankCardPayments，CardFee0.78%，Online Payment0.7%。AlipayPayments，TransactionTransaction，Merchant。 WeChat PayAlipay，PassBank。FeeAlipayBankCardAcquiring。WeChat PayMerchant0.6%，PaymentsAPP（）PaymentsWeChat Pay。Tenpay6 User，2.7 UserE-commerce，。 ，Third-party PaymentBankCard。Tenpay2012 4 18 ，Alipay2013 3 31 ，0.1%-0.25%。Mobile PaymentPayment InstitutionMarket，。，BankPayment Institution，0.5%-1%，MobileBankBusiness5 2 。 Payment InstitutionBankCardBusiness Third-party Payment。，Third-party PaymentInternet Payment81%。2013 Payment InstitutionInternet PaymentTransaction5.37 （20）。Internet Payment，，（Alipay、Tenpay、Chinapay）Market80%（21）。Alipay2.6 TransactionReserve FundAccountFund。 PaymentsBusinessReserve Fund。People's Bank of China2013 《Third-party PaymentReserve Fund Custody》Third-party PaymentReserve Fund12 Bank。Reserve FundPayment Institution。 ，Compliance，？ POS，MCC，Compliance。，0.38%，，1.25%。 ，POS0.38%，；，，，。，Fee，Credit Card，，，，，，5，？。，Card。