If a private enterprise wants to build a payment platform, the review conditions are not very strict when online payment is not yet popular in China, and only two conditions need to be met. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

The first condition is naturally the payment voucher, which is matched by Feng Jiawei, and it is not difficult to approve it.

Another condition is to open up the banking system.

It's a time-consuming and labor-intensive process!

In essence, the payment platform is nothing more than an account opened in a bank, and all the online payment and transfer procedures of the user are directly connected to this account.

And one of the problems that cannot be avoided is the problem of inter-bank and other fees.

If the user's bank account is not in the same city as the account of the payment platform, the entry and transfer of funds will require a handling fee.

Gu Heng is not so capable, he can let all the banks in the country save these handling fees, in fact, let alone him, even if Feng Jiawei or even his Lao Tzu comes forward, it is impossible to do it.

If you want to save this part of the fee, there are only two ways to go, one is to let the bank feel that you can bring benefits to him and take the initiative to help you waive this fee.

On the other hand, it is necessary to spend time and energy to lay a fairly large network system, and open company accounts in branches in various provinces and cities, so as to carry out unified management.

Of course, at the moment, there is no need to promote all this so quickly, because in the short term, it is based on the trading platform of Hengchuang Technology and serves it.

The trading platform of Hengchuang Technology itself is used to charge handling fees, and charging handling fees on the trading platform will not have much impact.

However, in the long run, it is an indispensable stage to make the payment platform bigger and stronger, promote it, open up all banking systems, and realize the transfer of funds in and out of the bank without handling fees.

Very simply, if there are other payment platforms in the future, whether it is the inflow or transfer of funds, they are free, but yours will have to charge a handling fee, what do you use to compete with others?

Advance money yourself?

Thousands of people can still hold on, tens of thousands of people will be under a lot of pressure, and when the base becomes larger again, becoming hundreds of thousands or even more, it is really not something that ordinary companies can hold.

Not long after the free, he issued an announcement, saying that because the operating costs were too large, a certain handling fee would be charged when withdrawing cash, which led to a lot of scolding.

Fortunately, Gu Heng took precautions and already had his own feasible plan.

Because from beginning to end, he never thought of relying on his own strength to realize the grand blueprint of the payment platform. Let him rely on his own strength to open up all the channel systems of the bank, and he does not have so much energy and time at all.

Therefore, he had to find an ally, and the object was Xiao Ma, who was arguing with swords in West Lake some time ago.

Next year, that is, in 03, is the time when Xiao Ma's Taobao is officially launched, and if his website wants to develop, a payment platform that acts as a credit intermediary is indispensable in any case.

As long as Gu Heng makes the payment platform in advance, the many online paying users who are based on the love online game trading platform will come to the door when the time comes, and it is impossible for Xiao Ma to not be tempted.

I give you the payment platform for free, can you not be tempted?

There are many users on my payment platform who are accustomed to online payment, and they are not tempted?

How about I sell you a Taobao domain name at a low price? What a good name, it's simply a name born for the C2C model, and you can't be tempted?

Still not moved, I will transfer a part of the shares of the payment platform to you at a low price, this is the end of it, right? You are also a shareholder, everyone works together, there is no such thing as a cooperation, right?

Holding these hole cards, Gu Heng was also willing to share the cake of the payment platform with Brother Xiaoma, and he had great confidence to fool Brother Xiaoma to play with him.

But are you really willing to share?

Of course I don't want to, but if I don't give up, I can't get it!

If you want to make the payment platform bigger, its best survival soil is rooted in the e-commerce platform, and it is not a fart without huge capital precipitation.

Without letting Xiao Ma occupy a large proportion of shares on the payment platform, it is impossible to actively promote, and once he realizes the huge value of the payment platform, he may turn around and find a way to kick Gu Heng away.

Although he is reluctant to admit it, Gu Heng can't deny that the payment platform that leaves the e-commerce model cannot be said to be useless, but it is basically impossible to be as successful as Alipay in his previous life.

Count it carefully, from the previous life to 2016, there are many domestic payment platforms, what treasure, what treasure, a lot of treasure, but Alipay has always been only one.

It's not that Brother Pony is too demonic, but his Taobao has created Alipay.

Think about Teng Xun, in terms of the size of the company, Teng Xun in the previous life was no less than Ali, right?

But you let it get another Alipay, and you see if it can do it.

In terms of users, there are definitely far more users of WeChat and deduction than Alipay, and some related recharge items of Tengxun, such as Tengxun video membership, WeChat red envelope, buckle red envelope, Tengxun game, buckle membership, etc., add up to the number of users who are by no means less than those who visit Taobao.

But Tengxun can't make a second Alipay no matter what, it's not that his strength is not enough, but he doesn't have that gene, which can't be changed by hard work.

Therefore, under the premise that Gu Heng is impossible to intercept Hu Taobao, if he wants to maximize the potential of the payment platform project, he can only cooperate with Brother Xiaoma.

Even, for this cooperation, he has to make some preparations in advance and increase his chips as much as possible.

This is Gu Heng's strategy, using the payment platform as a bait to seduce Brother Xiaoma, and then the other party will make the payment platform, and he only needs to enjoy the final result.

In the previous life, Japan's SoftBank Group invested tens of millions of dollars in Alibaba, and finally reaped thousands of times the return, which was once called the most successful investment in this century.

Gu Heng didn't have so much money and couldn't be a shareholder of Alibaba, so he had to settle for the next best thing and cut into the payment platform project to make a profit.

Is it a shame to rely on the prophet to wantonly grab what should belong to someone else?

A little, and just a little.

If there is such a once-in-a-lifetime opportunity in front of you, but you don't grasp it firmly, then your head is really squeezed by the door.

Gu Heng would rather be ashamed, but he didn't want to be a fool.

Bold, careful, and thick-skinned, this is the principle that Gu Heng has always adhered to.

How bold people are and how productive the land is, this is not true, but if you don't have the courage at all, but you want to achieve glory, it is a fool's dream.

If you don't have enough wisdom and ability, you can only be more careful and cautious, so as not to be cheated by others and keep your achievements.

Thick-skinned, this is the root of sweeping everything, reincarnation, since you don't want to follow the old road of the previous life, you can only be cheeky, with all means that do not exceed the bottom line of the law, to plan a better future for yourself and your family.