What are the advantages and disadvantages of Alipay and WeChat?

1. In terms of payment scenarios, Alipay is more comprehensive than WeChat payment. The natural advantages of Alipay are online shopping scenes such as Alibaba, Taobao and Tmall, while the initial payment method of WeChat payment is relatively simple, that is, game recharge. However, the development of WeChat payment is very rapid, especially after the cooperation between JD.COM and Tencent, which has opened up a payment channel for WeChat payment. Although compared with Alipay, which has a larger market share, it still has no advantage in e-commerce payment, but at least it is gradually moving closer.

2. The user stickiness of WeChat is stronger than that of Alipay. Wechat relies on strong social funds, which leads to changes in user habits, and more and more habits use WeChat to pay. However, WeChat payment is still a small payment, and users are still more willing to deposit money in Alipay. Wechat payment is more like a bankcard that can be paid, while Alipay is more like a bank.

3. From the perspective of offline store payment, it is basically rare for a store to use Alipay or WeChat payment alone, and it is generally used at the same time. But after all, store transactions are mostly small transactions, and users are more inclined to use WeChat payment. From the perspective of market share, WeChat payment is gradually approaching Alipay. 20 16 In the fourth quarter, the market share of mobile payment was still 55% for Alipay and 37% for Tenpay (WeChat payment); In the first quarter of this year, Alipay was 53.8% and Tenpay was 40.3%.

4. However, Alipay has not been passively "beaten" and has been doing social content. Whether it's the failed campus diary before, or ANT FOREST who has received the effect at present. Since the invention of ANT FOREST, the opening rate and activity of Alipay users have improved.

5. In terms of added value, WeChat payment is far less profound than Alipay's layout, such as the establishment of credit scenarios and big data. For example, Ant Financial has begun to access the buses in Hangzhou, and you can brush Alipay when you get on the bus. In this regard, WeChat payment has not yet made a move.

Operating environment: mobile phone nave4e7.8.4 Alipay 12. 1.90 15 WeChat 8.0. 15.