Dream Valley Pay upstairs.

Fang Yuling's assistant walked into her office, "Mr. Fang, this is the report feedback from the technical department, all of which you want. The last one is the list of large merchants with abnormal settlements recently."

Fang Yuling nodded slightly, then took the report.

The profit point of this third-party payment is quite similar to what the bank does. One is that the handling fee is charged in transactions, and the other is that some compliant finance is done through the accumulated funds.

When ordinary people swipe bank card transactions, merchants in different scenarios have to pay different procedures. In WeChat Pay, there is no handling fee for personal payment codes, but it involves other types of scenarios, which means that a handling fee is charged. Just like the developers of Mengguyun use WeChat Pay to pay, Mengguyun has to pay the previous fee after Mengguyun settles the order.

Recently, the promotion of WeChat Pay in Menggu has been very strong. As more and more merchants connect to WeChat Pay, the more payment behaviors and the greater the transaction flow, the more profits Weixun Pay can get.

Among the different access account types of WeChat, the Menggu Payment team recently joined a "big merchant" settlement system.

Menggu paid these "big merchants" a lower handling fee point, and after integrating WeChat payment, they charged higher handling fees to the access users on the next layer.

If there are many small lower-level merchants connected to this level, then this "big merchant" is equivalent to another "fourth-party payment". It is also a way of living for companies that have not obtained a license. If Menggu Payment, if you want transaction flow, you will turn a blind eye. If you get a fine, then the more severe one is still this "big merchant".

There are many payment manufacturers who originally used to pay Pos type. They got access to the "big merchant" of Menggu Payment, and then turned the entire plan into a WeChat scanner. Each offline merchant purchases one such machine, and settles the settlement first to the account of this "big merchant" and finally arrives at the Menggu Payment system. What the machine merchants earn is the difference in the handling fee. Once the distribution volume is too much, the turnover is too large, and it is not too much to say that it is a daily profit of money.

Fang Yuling remembers that in just two months, there were already many manufacturers of this type of machine in the market. Among them, they cooperated with various branches of Menggu Promotion to sell these machines. Although it seemed a bit awkward, it seemed that Menggu Promotion, as a subsidiary, did not forget to make extra money. However, the overall situation could not affect it, and it might have a promotion effect. As long as there was no corruption, her leader who was completely unrelated to this kind of thing would really not be able to control this kind of thing.

Fang Yuling opened the last report and said that it was the abnormality in this "big merchant".

In fact, it should be said in a strict sense that if this type of integrated merchant has another settlement, the original approach is not very reasonable. It is a matter of accurate one issue.

Are you a sensible partner? This order is passed through the Menggu Payment system and the settlement and settlement accounts are clearly stated, so the general regulatory authorities will not be too serious about this matter.

But if you put ignorant people, the total number is not wrong. You can settle the account at all. But whose money does this big merchant collect? How much is the handling fee? If you give and upload the data, you will have more ways to play.

For example, the code of "fourth-party payment" suddenly appeared on gambling and erotic platforms? That means more.

If you say that you are ignorant to charge the liquidation fee of these illegal platforms such as tm, and you will charge ten points? I’m afraid someone is willing to accept it. But this WeChat pays the settlement fee for large merchants, it will be only about 1,000 yuan.

A ten million gambling money a day, and a ten-point handling fee of one million is a profit. This is a very profitable thing for a black payment merchant.

Of course, Fang Yuling knew that the ten points of the problem merchants that Menggu Pay had already found were a bit exaggerated. After all, with capital and courageous merchants all over the country, the competition in this industry is quite large.

In Menggu Payment, it has also taken time to establish various monitoring and recording systems. Within less than half a year after only quick payment was launched, Menggu Payment has reported many merchants to the relevant departments.

If Menggu Payment takes small profits and quick turnover, these black payment players are doing huge profits and quick turnover.

The problem is that Fang Yuling didn't think much after reading the report. What about the market? That's it. Many black payments are still investing money in Qiandu page promotion to make traffic. Connecting one or two domestic and foreign platforms can be free for a year and a half. This table has been like this for thousands of years. This is true for all the East and the West.

If you think about it, Menggu will not lose money. But how to catch this is necessary to manage it. The assistant has already given other colleagues a report to the case, so there is no need to take too much care.

She called the insider and said, "Feed, Mr. Zhang, come to my office."

What Fang Yuling is looking for is an important technical person in charge of Menggu Payment.

After a while, the worker entered Fang Yuling's office.

Fang Yuling said directly, "WeChati has proposed a demand, saying that due to the increase in offline payment behavior recently, Menggu Payment needs to expand the entire system. Are you dealing with the related needs now?"

Lao Zhang nodded slightly, "Well, Mr. Fang, is already dealing with it. This is mainly a problem of communication environment and conditions. Many WeChat Pay users use 2G network for payment. The process of returning data occupies a large amount of channel resources, which will affect the load of the entire system to a certain extent."

Fang Yuling asked, "Is it easy to have safety problems?"

After hearing this, Lao Zhang shook his head and said, "At present, no such situation has been discovered, and no relevant user feedback has been received."

Fang Yuling, "hmm... OK. So, I remember that during the Spring Festival event, Mengguyun provided a batch of short-term machines for our entire red envelope event. Can these be added now? According to you, it is still necessary to expand the capacity."

Lao Zhang was a little embarrassed, "Mr. Fang, in fact, there was no other product line in the early stage of Guangnan Phase I, so he was able to provide support for the red envelope activities of WeXun and Menggu Payment. As for now, it is already a carrot and a pit, and the land that should be occupied is completely occupied.

According to the people of Mengguyun, the earliest time is to wait for the middle of the year, and the second phase of Guangnan Data Center in the middle of the year will be launched one after another. The situation will be alleviated by then."

Fang Yuling laughed after hearing this, saying, "What is this startup company...

"The situation will be relieved by then." She was going to hear the calluses anyway.

This Menggu is developing too fast everywhere and can't keep up. The "big merchant" is the biggest thing she has encountered.
Chapter completed!