Some people complain about WeChat payment. Why not try China UnionPay Express (UnionPay wallet)?

Wechat and Alipay have occupied the vast majority of mobile payments and are often used around us. Seeing such a post on the Internet, why do you have to use WeChat and Alipay? China UnionPay Express is safer, isn't it?

And if you pay by WeChat or Alipay, you must recharge it first. In the future, if you want to take out the money collected, you have to pay a handling fee of one thousandth (which may be increased later). Putting forward this view, it is estimated that he has never used WeChat or Alipay.

Or it can be understood as a loyal user of the bank. Why do we use WeChat and Alipay is not only a habit, but also a way of life. We can handle a lot of things through them, especially Alipay, which you probably know well.

The same is true in shopping, entertainment, transportation and so on. The words of China UnionPay Express were introduced later, so the market share is naturally very small, and there are fewer scenes that can be used. But in order to get more users, China UnionPay Express has given a lot of subsidies. Why don't we use it?

First, most people have a bad impression of it.

This started decades ago, when mobile payment had not yet come out. Our money can only be kept in the bank. Because of our ignorance of financial management knowledge, we missed many good opportunities. Every time I go to do business, there are many people. If you have a VIP card, you may be given priority.

In addition, some slogans on the counter are very offensive. Until now, this situation has not improved. My real feeling is that rich people are their real customers.

Second, the rise of mobile payment.

After Alipay came out, the mobile payment market has been developing slowly. Up to now, many companies have obtained payment licenses. In addition to facilitating our payment, we also learned some financial management knowledge.

For example, Alipay's Yu 'ebao has income every day and can be paid. Although the interest rate has been lowered, we will still choose. Will there be such treatment if you deposit money in a bank card? In addition, regarding bank theft, the division of responsibilities is not clear.

The account security insurance in Alipay can help us solve this problem, which is better than finding a theory.

Third, mobile payment is not just payment.

Whether it is WeChat or Alipay, besides payment, there are many functions that can satisfy our travel and shopping. As a late payment tool, China UnionPay Express is very lacking in this respect, even seriously lacking.

User attributes are also very different. The main users of China UnionPay Express are experienced users (with more deposits), and WeChat and Alipay are customers of China UnionPay Express. Your market is not as big as others, which is also the fundamental reason that restricts its development.

Several reasons!

1, Original Sin of UnionPay: Many people think that UnionPay is a state-owned enterprise (in fact, it is not). State-owned enterprises have original sins, such as monopoly, bullying customers, various problems, and besides UnionPay, there are banks and so on. , naturally don't trust these things. Of course, on the one hand, it is the problems of the banking industry itself, on the other hand, some media or internet companies have brought good public opinion, which has led to such a state. Therefore, many users will not trust UnionPay products. If I answer this fire, there must be a group of people in the comments who say that UnionPay or banks are not good.

2, usage habits: Alipay and WeChat have high penetration rates, and WeChat is not much to say. Users will open it almost every day, and it is an APP that is resident in the background and can be opened at any time. Although Alipay is not as active as WeChat, it is also deeply rooted in the hearts of the people with the help of the largest e-commerce platform and the vigorous promotion of mobile payment. In addition, Alipay has not burned less money in the past two years, and the surrounding flower beds and other products are operating well, so it still occupies 50% of the market share. This is far from what China UnionPay Express can match.

3. Backward disadvantage: Compared with Alipay WeChat, China UnionPay Express started late and took many detours in mobile payment. Previously, it could only be realized by NFC mobile phone, which limited its development in hardware, and the NFC penetration rate was far less than that of QR code. It was not until 20 17 that China unionpay express supported QR codes. At this time, WeChat and Alipay have occupied 90% of the market share, and it is not easy for China UnionPay Express to grab the share.

4. Insufficient marketing: The topic you are talking about is preferential, free, safe and convenient, which many users actually don't know, which means that the marketing ability of UnionPay is still relatively weak. After all, it is not an internet organization, and planning and marketing are still relatively weak. At present, they are basically learning Alipay and WeChat, or imitating, and rarely have their own unique ideas. In fact, it is difficult for people to feel the light at this moment, and it is difficult for people to have a deep memory of you. In addition, the frequency of opening itself is not high, so many people don't know about the discount, and they will forget it after a long time.

To be honest, I really didn't spit on WeChat because of UnionPay wallet, but for a while, I was really opposed to WeChat payment. I thought at that time, why should a good chat software engage in these financial-related things? At that time, QQ chat software was heavily pirated, and Tencent's security measures were particularly rubbish, so I felt that WeChat payment wallet was unsafe at that time, that's all.

Later, after Alipay appeared, I didn't fully trust Alipay. At that time, the safest and most reliable thing in my mind was the bank, so most of my money was in the bank. When I need to shop on Taobao, I pay with a bank card plus a U shield or an electronic password card. However, with the improvement of Alipay security measures and the insurance of users' property, I choose to put my money in Alipay, and Alipay can also give me some interest.

To tell the truth, although I had heard the word China UnionPay Express before I saw this problem, I really never used UnionPay wallet, and the reason why it was useless was simple. That is, the bank card was stolen, and the stolen bank ignored it and did not pay. So I don't pay attention to it anymore, and I don't choose any good functions. Anyway, I just lack trust in its wallet and trading methods.

And most importantly, in the experience of using WeChat payment and Alipay, I still think they are much better than the so-called UnionPay wallet. The so-called pre-charge can't be said to be pre-charge, but can only be said to be the exclusive electronic currency of WeChat or Alipay. The circulation of this currency is actually traded under the supervision of the state, and its value cannot be changed at will, and it is equal to RMB. In other words, the so-called pre-payment is completely a concept of stealing, just like taking RMB out of ABC and depositing it in ICBC, and then spending or transferring it. In fact, this is no different from Alipay and WeChat, and in terms of scope of use, usage and security, I think both WeChat and Alipay are safer than banks.

Obviously, China UnionPay Express has more advantages, such as withdrawing money and transferring money without money; For example, card management is more convenient; However, we are still willing to use Alipay or WeChat. Even if you say that WeChat and Alipay are not good, they still have strong advantages.

Advantage one: early entry.

Don't think that one or two years earlier will have any impact on the payment market. In fact, even one day is the first opportunity in the ever-changing payment market.

Therefore, Alipay, which entered the market earlier, can be highly recognized by consumers. This advantage has made consumers agree with Alipay and WeChat, while China UnionPay Express General Rules is a latecomer, and it is inherently insufficient.

Advantage 2: the number of users

Although there may be more users using bank cards than WeChat and Alipay. However, you can't resist the convenience of users. Wechat and Alipay have penetrated into consumers' daily lives, and this advantage is not comparable to that of China UnionPay.

Advantage 3: merchant support of WeChat and Alipay

You will find the channels of merchants that WeChat and Alipay have opened for a long time. If you want to use mobile payment, either Alipay or WeChat, the list directly launched by merchants is WeChat and Alipay.

Although China UnionPay Express is being promoted and has many functions, after all, there are not many businesses that China UnionPay Express develops vigorously like WeChat and Alipay, which leads us to choose WeChat or Alipay when paying.

Alipay and WeChat are more convenient; China UnionPay Express may have some uses, but it will take a long time after all.

Enlarge fart, Alipay, WeChat, etc. No need to recharge, just debit the bank card directly. How can I recharge and then pay? In today's society, you can't scan Alipay and WeChat QR codes with China UnionPay Express. How do you use it? Right? People can use Alipay and WeChat at roadside stalls. Can I use China UnionPay Express? First: environmental protection. Second: usage habits, third: platform support, fourth: app experience, fifth: people know very little, promotion issues, etc ... In short, China UnionPay Express is just tinkering in the market.

Who says Alipay or WeChat payment needs pre-recharge? After binding the bank card, you can deduct money directly from the bank card, and you don't need to recharge your wallet in advance.

China UnionPay is quick to use nfc, and the experience is definitely better than Alipay or WeChat. However, the usage scenario is too limited, and payment must be completed by pos machine. In most cases, ordinary people buy things, not in the scene of pos machines. Shopping malls and supermarkets are gathering places for pos machines. People are usually used to using QR codes to buy things on the street, so they will not use pos machines to swipe their cards. Now they support QR codes everywhere, so it is not easy for China UnionPay Express to rise.

Unless China UnionPay Express has a simpler way to get rid of pos, such as using nfc card to trigger payment.

China UnionPay Express is not only a competitor of QR code, but also the wallet function of various brands of mobile phones is hard to surpass. Although the principle of mobile wallet (that is, all kinds of pay payment) is the same as that of China Unionpay Express, and the usage scenarios are the same, the use of Pay screen must be unlocked in China UnionPay Express, so it is difficult to popularize China UnionPay Express.

Compared with QR code, flash payment is convenient and safe. If the use method is improved and separated from the pos machine, China UnionPay Express may eliminate the QR code.

First, WeChat, Alipay, give priority to occupy the market, online shopping, big cities, small towns, roadside stalls, and aunts selling vegetables. As long as you have a mobile phone and WeChat Alipay, these small programs are often taken with you. The frequency of mobile phone use, what other electronic products can match it. This consumption habit comes not only from individuals, but also from changes in groups and times.

Second, UnionPay flash payment, which was difficult to catch up later, and the payment method was convenient. How to change people's habits and how to penetrate into every place where transactions are needed still needs efforts. If one day, UnionPay pays by flash, there will be better products, more popular and more convenient for everyone's life. I believe everyone will choose.

In this way, everyone's consumer confidence and habits should be difficult to change.

I'm happy to answer your question. The following are some of my own understandings and opinions. I hope I can help you, and I hope you will like my answer.

To tell the truth, I really never laughed at UnionPay wallet WeChat, but for a while I was really ambivalent about WeChat, when I found a good chat software: why do you want to do financial-related, QQ chat software was seriously stolen, Tencent's security measures and special garbage, so I felt that WeChat payment wallet was unsafe at that time, that's all.

Later, after Alipay appeared, I didn't fully trust Alipay. In my opinion, the safest and most reliable bank is the bank, so most of my money is in the bank. When I need Taobao shopping, I will pay with a bank card plus a U shield or an electronic password card. However, with the improvement of Alipay security measures, I choose to put the money in Alipay for the insurance of users' property, and Alipay can also give me some interest.

To be honest, before I saw this problem, although I had heard the word "less happiness on the cloud", I really didn't use UnionPay wallet for the simple reason. The bank card was stolen and swiped, and the bank won't pay for it. So I no longer pay attention to it, and I no longer use it for any good function. Anyway, I just lack trust in its wallet and trading methods.

Most importantly, in the experience of using WeChat payment and Alipay, I still think they are better than the so-called UnionPay wallet. The so-called preload loading can't be said in fact. It can only be said that RMB will become the exclusive WeChat or electronic money Alipay, and its value is not a random change under the supervision of currency circulation. In other words, it is the so-called concept of preload stealing, just like depositing RMB from a bank to a bank and then spending or transferring it to Alipay.

The above answers to this question are all personal understandings and suggestions. I hope the answer to this question I shared can help you, and I hope you will like my sharing.

If you have a better answer to this question, please share your comments and discuss this topic together. Here I wish you all the best, happy every day and all the best!

There are various trading methods, not only cash transactions, but also payment methods of WeChat and Alipay, as well as some trading methods, such as the bank's UnionPay wallet and China UnionPay Express. So why do some users choose WeChat and Alipay instead of China UnionPay Express? Let me tell you something.

The difference between WeChat payment and China UnionPay Express.

Let's talk about the difference between WeChat payment and China UnionPay Express. In fact, the most significant difference is the mode of payment. Alipay and WeChat need to scan the QR code or use the merchant's scanning gun to pay, and the payment method of China UnionPay Express is more convenient. Just light up the screen of the mobile phone, and then get close to the POS machine with the flash payment sign to complete the payment.

Another difference is that it supports different users. If you want to use China UnionPay Express, then its merchants must support the use of POS machines, while users who use WeChat and Alipay do not need to consider this issue.

Then there is the user's fixed payment. The payment of WeChat and Alipay is to recharge the funds into the account, while China UnionPay Express is the way to pay directly in the bank card.

The terms of payment are also different. One of the necessary conditions for WeChat and Alipay payment is that there must be a network in the paid environment. If there is no network, it is impossible to complete the payment, and China UnionPay Express doesn't need the network.

Why don't many users choose China UnionPay Express to pay?

There are actually many factors. The first is the preconceived impression of WeChat and Alipay payment, because users need to go to the bank for related business a long time ago, but if there is no VIP, it will take a long time.

Therefore, this situation gives users a feeling that the real customers of banks are VIP users, and it is also very inconvenient to handle them. Therefore, when WeChat and Alipay payment first appeared, it would be caused by users' love.

Moreover, the promotion method in China UnionPay Express is not good enough, at least it has not been recognized by users. And WeChat is originally a software with social attributes. When you use WeChat to socialize, you can easily open WeChat payment, while the payment in China UnionPay Express is more convenient, but its operation is too complicated, requiring users to enter their mobile phone numbers and perform real-name authentication.

Finally, many users of WeChat would rather choose WeChat and Alipay to pay than China UnionPay Express. In fact, there are many factors, such as the preconceived user influence of WeChat and Alipay, and the operation of China UnionPay Express is too complicated. There are also some factors. If you have any different opinions, you can leave a message below and discuss it together!

Many people choose WeChat payment because WeChat itself is a social software with a wide range of applications. General payment software also needs to download a dedicated APP. Wechat is not needed. As a social software, you only need to add friends when you need to pay for the transfer. At the same time, most of the general transfers are friends or acquaintances, and the general amount is not very large, so most people choose WeChat payment. In addition, WeChat payment is very common, and even primary school students know that it is very popular. However, China UnionPay Express knows a lot less, and you need to download the China UnionPay Express APP. Therefore, WeChat payment is much more convenient.