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In fact, many people have similar experiences. It is more convenient to use Alipay and WeChat in many scenarios than to use UnionPay cards. However, the problem is that we have third-party payment. Do we really need UnionPay and bank cards?
I have to say that some offline businesses in Beijing, Shanghai, Guangzhou, Shenzhen and other cities have only been attached to the glass doors of UnionPay and VISA, and the third-party payment labels such as WeChat Payment and Alipay have appeared quietly. Compared with the UnionPay logo, the UnionPay logo is particularly dazzling, and even the WeChat Alipay payment QR code appears in some commissaries. 
Alipay’s “declaration war†to UnionPay! Later, the comments about "Alipay, WeChat payment will replace UnionPay, Alipay, WeChat eliminated cash, ATM is declining" and so on occupy the network, it seems that people really do not need UnionPay and bank cards. But is this really the case? The convenience of UnionPay pos UnionPay is reflected in its payment function, but the function of bank card is not only simple to pay, it can realize deposit and loan, wealth management, intermediary business, standard setting, intercommunication issuing bank, responsible for clearing information, etc. Wait, UnionPay has always emphasized customer operations, operating B-side merchants, Alipay has a team dedicated to user operations, focusing on C-side users.
Alipay WeChat to seize the offline scene, can really replace the UnionPay POS machine?
Most of the brand merchants across the country have used Alipay, and all major supermarkets have access to Alipay and WeChat; street restaurants and snack carts, as well as various food markets have also used Alipay! UnionPay’s own bank card swipe was despised, and it was abandoned by the merchants. Even its own UnionPay POS machine was being replaced by Alipay and WeChat scan code pos.
Alipay and WeChat account for more than 90% of the Chinese payment market, while banks account for only about 1%. Alipay and WeChat payment have become strong competitors of the bank. In particular, Alipay now has many financial products:
1, ant flower buds, similar to online credit cards, many Alipay users have opened.
2, ants borrowed, this is a pure Internet financial loan, Alipay users can return after the loan on time, directly killing bank loans and offline financial companies.
3, to do card loans, this concern WeChat platform love card guide can apply, for sesame seeds requires 500 points or more before, the amount is higher than the flower, the lowest is 20,000, the highest is 150,000.
4, online business loans, is also a competitive product of bank microfinance, you can also log in to Alipay to view.
Third-party payment tools are quickly sought after for two reasons: for merchants, third-party payment tools have lower commission rates than UnionPay POS machines, and third-party payment platforms can in turn attract more merchants. For consumers, third-party payment platforms have more marketing activities and preferential merchants, and can enjoy certain cash subsidies or coupons. How much is the QR code payment? UnionPay's UnionPay business supports WeChat and Alipay scan code payment! In addition to explaining the openness of the silver merchants, it also means that the changes of the times forced the various hegemons to bow to WeChat and Alipay.
Banks are created for business risks, so bank cards are still far from being worthless. In the era of Alipay and WeChat, no one can be lacking between them. If Alipay does not have bank assistance, then in fact The function will also be different, so it is said that because of the bank's current Alipay WeChat can be so powerful, powerful and easy to replace the bank POS.