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

wechat and AliPay have occupied the vast majority of mobile payment, and they are often used around us. Seeing such a post on the Internet, why do you have to use WeChat and Alipay? China Unionpay Quick Pass is safer, isn't it?

moreover, if you pay by wechat or AliPay, you have to recharge it first. If you want to take out the charged money in the future, you have to pay a handling fee of one thousandth (which may increase 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 we use WeChat and Alipay is not only a habit of ours, but also a way of life. We can handle many things through them, especially Alipay, which is estimated that you have a deep understanding.

The same is true in shopping, entertainment, transportation and other aspects. China Unionpay Quick Pass's words were introduced later, and the market share is naturally very small, and there are fewer scenes that can be used. However, in order to gain more users, China Unionpay Quick Pass has given a lot of subsidies, so why don't we use them?

First, most people have a bad impression of it

It 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 you go to do business, there are many people. If you have a VIP card, you may be given priority.

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

Second, the rise of mobile payment

Since Alipay came out, the mobile payment market has been developing slowly. Up to now, many companies have obtained payment licenses. Apart from facilitating our payment, we have learned a little about financial management.

For example, Alipay's Yu 'ebao will earn income every day and make payments. Although the interest rate has been lowered, we will still choose it. Will there be such treatment if you put money in a bank card? In addition, regarding the problem of 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 looking for a bank theory.

Third, mobile payment is not just payment

Whether it is WeChat or Alipay, it has many functions besides payment, which can satisfy our travel and shopping. As a late payment tool, China Unionpay Quick Pass is very deficient in this respect, even seriously deficient.

There are also great differences in user attributes. China Unionpay Quick Pass's main users have experienced backgrounds (more deposits), while WeChat and Alipay are customers outside China Unionpay Quick Pass. As a result, 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 (actually it is not), and state-owned enterprises have original sins, such as monopoly, store bullying, various problems, and besides UnionPay, banks, etc., naturally distrust these things. Of course, on the one hand, the banking industry has its own problems, 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's products. If I answer this fire, there must be a group of people in the comments who say that UnionPay or the bank is not good.

2. Usage habits: The penetration rates of Alipay and WeChat are quite high, so WeChat is not much to say. Users 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, with the help of the largest e-commerce platform and the vigorous promotion of mobile payment, it is also deeply rooted in people's hearts. In addition, Alipay has not burned less money in the past two years, and products such as surrounding flower beds are operating well, so it still occupies 5% market share. This is far from what China Unionpay Quick Pass can match.

3. Backward disadvantage: Compared with Alipay WeChat, China Unionpay Quick Pass started late, and at the same time it took many detours in mobile payment. Earlier, 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 only in 217 that China Unionpay Quick Pass supported QR codes. At this time, WeChat and Alipay had already accounted for 9% of the market share, so it was not easy for China Unionpay Quick Pass to grab the share.

4. Insufficient marketing: Many users actually don't know what you said about preferential treatment, no handling fee, safety and convenience, which means that the marketing ability of UnionPay is still weak. After all, it is not an Internet organization, and the planning and marketing is still weak. At present, they are basically learning from Alipay and WeChat, or imitating, and few of them have their own unique ideas. In fact, it is difficult for people to feel bright at the moment, and it is difficult for people to remember you deeply. In addition, the frequency of opening itself is not high, so many people don't know about the discount, and it will be forgotten after a long time. < P > To be honest, I really didn't complain about WeChat because of UnionPay wallet, but for a while, I really opposed WeChat payment. At that time, I thought why a good chat software should engage in these financial-related things. At that time, QQ chat software was seriously pirated and Tencent's security protection measures were particularly rubbish, so I thought WeChat payment wallet was unsafe at that time.

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 kept in the bank. When I needed to shop on Taobao, I always paid with a bank card plus a U shield or an electronic password card. However, with the improvement of Alipay's security measures and the insurance for the user's property, I chose to put the money in Alipay, and Alipay can also give me some interest.

To tell the truth, although I have heard the word China Unionpay Quick Pass before I saw this problem, I really haven't used UnionPay wallet, and the reason why it is useless is simple. That is, the bank card is stolen, the stolen bank is ignored, and no payment is made. So I never pay attention to it again, and I don't choose any good functions. Anyway, I just lack trust in its wallet and trading method.

and most importantly, in the experience of using WeChat payment and Alipay, I still think that they are much better than the so-called UnionPay wallet. The so-called pre-charge can't be said to be pre-charge, but it can only be said that the RMB has been turned into an 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, which is equal to the RMB. That is to say, the so-called pre-charge is completely a concept of stealing, which is like taking the RMB out of the Agricultural Bank of China and depositing it in ICBC, and then spending it or transferring it. In fact, this is no different from Alipay and WeChat, and in terms of scope of use, methods of use and security, I think WeChat and Alipay are safer than banks.

Obviously, China Unionpay Quick Pass has more advantages, such as cash withdrawal and transfer 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 all bad, they still have strong advantages.

Advantage 1: Join the company earlier

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

therefore, AliPay, which entered the market earlier, can gain strong recognition from consumers. This advantage has already made consumers agree with Alipay and WeChat, while China Unionpay Quick Pass was late in the game and was congenitally deficient.

Advantage 2: User volume

Although users who use bank cards may have more users 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 Quick Pass.

Advantage 3: WeChat, Alipay merchants support

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

Although China Unionpay Quick Pass is being promoted and has many functions, after all, there are not many merchants in China Unionpay Quick Pass who are developing vigorously like WeChat and Alipay, which leads us to choose WeChat or Alipay when paying.

AliPay and WeChat are more convenient; And China Unionpay Quick Pass, there may be some use, but it will take a long time after all.

Enlarge stinky fart, Alipay, WeChat, etc. You don't need to recharge your bank card directly. How can you recharge your bank card before paying? In today's society, you can't scan Alipay and WeChat QR codes with China Unionpay Quick Pass. How do you use it? Right? People can use Alipay and WeChat at roadside stalls. Can you use China Unionpay Quick Pass? First: environmental use. Second: usage habits, third: platform support, fourth: app experience, fifth: little knowledge, promotion, and so on ... In short, China Unionpay Quick Pass is just tinkering with the market. < P > Who said that Alipay or WeChat payment needs to be recharged in advance? After binding the bank card, deduct money directly from the bank card, and there is no need to recharge the wallet in advance.

China Unionpay Quick Pass uses nfc, and its experience is definitely better than Alipay or WeChat. However, the usage scenario is too limited, and payment must be completed with pos. In most cases, ordinary people buy things, not in the scene of pos machines. Shopping malls and supermarkets are the gathering places of pos machines. People usually get used to using QR codes to buy things on the street, so they won't use pos to swipe their cards any more. Now they support QR codes everywhere, so it's not easy for China Unionpay Quick Pass to rise.

unless China Unionpay Quick Pass has a simpler way to get rid of pos, such as using nfc card to trigger payment.

besides the QR code, China Unionpay Quick Pass is a competitor, and the wallet function of various brands of mobile phones is even more difficult to surpass. Although mobile wallets (that is, all kinds of pay payments) are the same as China Unionpay Quick Pass's principle, the use scenarios are the same, but the use of the pay screen must be unlocked in China Unionpay Quick Pass, so it is difficult to popularize it in China Unionpay Quick Pass.

compared with the QR code, flash payment is convenient and safe. If the use method is improved and separated from the pos machine, then the QR code may be eliminated in China Unionpay Quick Pass.

first, wechat, AliPay, giving 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, these small programs, such as WeChat Alipay, are always with you. The frequency of mobile phone use is comparable to that of other electronic products. This consumption habit comes not only from individuals, but also from groups and changes in the times.

second, unionpay paid by flash, but it was difficult to catch up later and the payment method was convenient. How to change people's habits and how to penetrate every place that needs to be traded still needs hard work. If one day, UnionPay pays by flash, it will have better products, be more popular with people, and be more convenient for everyone's life. I believe everyone will choose it as well.

in this way, it should be difficult for everyone to change their consumption confidence and habits.

I am very glad to answer your question. Here are some of my own understandings and opinions. I hope I can help you and you will like my answer.

To be honest, I really never laughed at UnionPay wallet WeChat, but for a while I was really a conflicted WeChat, when I found a good chat software: Why do you want to do financial related, serious theft of QQ chat software, Tencent's security measures and special garbage, so at that time, I didn't think WeChat paid for wallet security, that's all.

Later, after Alipay appeared, I didn't fully trust Alipay. In my opinion, the safest and most reliable bank is still the bank, so most of my money is in the bank. When I need Taobao shopping, I pay with bank card plus U shield or electronic password card. However, with the improvement of Alipay's 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 tell the truth, before I saw this problem, I really didn't use UnionPay wallet, although I had heard the word "less happiness in the clouds", and the reason was very simple. It was the bank card that was stolen and swiped, and the bank didn'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.

The most important thing is that in the process of using WeChat to pay and Alipay, I still think they are better than the so-called UnionPay wallet. The so-called preloaded loading can't be said actually, but it can only be said that RMB will become an exclusive WeChat or electronic money Alipay, and its value is not an optional change under the supervision of currency circulation. In other words, it is the so-called preloaded concept of stealing RMB deposits from banks to banks, and then it will be spent or transferred.

The above answers to this question are personal understanding and suggestions. I hope that the answer to this question I shared can help everyone, and I also hope that everyone can 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 many kinds of transaction methods, not only cash transactions, but also payment methods of WeChat and Alipay. But there are also some transaction methods, such as UnionPay wallet of the bank and China Unionpay Quick Pass. So why do some users choose WeChat and Alipay to pay rather than use China Unionpay Quick Pass? Let's talk about it with you.

The difference between WeChat payment and China Unionpay Quick Pass

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

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

In terms of the quota payment of its users, the payment of WeChat and Alipay belongs to recharging the funds into the account, while China Unionpay Quick Pass is a direct way to pay in the bank card.

There are also different conditions for payment. One of the necessary conditions for payment of WeChat and Alipay is that there must be a network in the payment environment. If there is no network, it is impossible to complete payment, while China Unionpay Quick Pass does not need a network.

Why many users don't choose China Unionpay Quick Pass to pay

Actually, there are many factors. First, it is caused by the preconceived impression of WeChat and Alipay, because users need to go to the bank to handle related business long ago, but they need to wait if they don't have a VIP.