Zhou Xin never felt that he could monopolize the global payment market with the help of the small technical advantage of QR codes.

More directly, the early arrival of the mobile Internet wave means that offline electronic payment will be more mature than in the future, and this cake is not something he can gnaw on alone.

Just the electronic payment on the computer side, he needs to share the benefits of NewPay with investment institutions such as Goldman Sachs and Morgan, not to mention offline payment, offline payment is to rob the bank's cake, once combined with financial technology, it is equivalent to a comprehensive financial group.

Zhou Xin believes that now is a good time to open up the two-dimensional code technology, because NewPay has occupied a certain advantage, this advantage can continue to be maintained by technology, but it is not as big as more capital to expand the entire user group after the promotion of electronic payment.

Opening up technology to the outside world does not mean that Zhou Xin has to sit still, Microsoft can acquire, can't Zhou Xin let WeChat end?

Instant messaging software such as WeChat is a natural carrier of electronic payment.

Tencent has been developing it internally for a long time, and has conducted a lot of testing to ensure that it is not surprising after it goes online.

Zhou Xin said: "If WeChat Pay wants to become a mainstream payment software, the WeChat red envelopes we communicated before are equally important, red envelopes are a very common folk custom in China, and we will put a lot of advertisements after WeChat is launched, so that consumers can accept this folk custom from China." ”

WeChat red envelopes helped WeChat achieve a counterattack on the payment battlefield that year, and the follow-up WeChat offline merchants were smoothly promoted, a large part of the reason is that WeChat users relied on WeChat red envelopes to achieve the original precipitation of funds, and the red envelopes could not spend this part of the money lying on the account.

Offline merchants recognize this through the introduction of WeChat local promotion personnel, and will accept WeChat payment as one of the offline payment methods.

It can be said that if there is no WeChat red envelope, WeChat payment will lag behind Alipay by a large margin, rather than a five-five situation.

However, WeChat red envelopes are obviously not so easy to use in Ameriken, and Ameriken has no such customs at all, so they can only let Ameriken consumers know what red envelopes are and why they send red envelopes through advertising.

Pony nodded: "We have invited the most professional advertising team in Silicon Valley to shoot a set of videos about WeChat red envelopes, and we have also found the media to be placed."

Including the WeChat flower delivery function, we have also completed the system-level docking with large supermarket chains such as Wal-Mart, Carrefour, and Target.

The adaptation of the visual animations in WeChat between different smartphone platforms has also been done.

After the user receives the flowers sent by others, there will be an animated display, and after the animation display is a QR code, the user can show the QR code to receive a bouquet of flowers at the corresponding price in our cooperative supermarket.

Our list price is available in three tiers: $4.9, $9.9 and $14.9. ”

WeChat flower delivery is the second plan they came up with, although the red envelope will spend a lot of effort to promote, but neither Tencent nor Zhou Xin is sure how many Ameriken people can accept this form of red envelope.

In this era when there is no takeaway, sending flowers is full of ritual, especially for long-distance couples or online couples, it is very meaningful.

This set of gameplay can only be played, and it has more advantages.

Because WeChat is an instant messaging software, it will be very romantic to send a bouquet of flowers to each other in a chat.

NewPay sent flowers, and the other party may not see it until ten days and a half months.

As for other electronic payment companies that want to play, let's first understand the QR code and then talk about so many supermarket chains, it is also because Tencent and Ali have served America's consumer enterprises all year round, which is a seed that began to be planted three years ago and has only blossomed today.

When I talked to Zhou Xin for the first time, Zhou Xin felt that it was very innovative, and it was creative enough to send QR codes online and take flowers offline, which was equivalent to linking shopping behavior and social behavior.

At the same time as sending flowers, built-in animation effects, making this behavior more textured, different pricing strategies make Zhou Xin call Tencent worthy of being a goose factory, even if it relies on enterprise software to get thriving, he has not forgotten the housekeeping skills in the genes.

If only one pricing is provided, it is clear that the $4.9 pricing is the most reasonable, as the price of a bouquet of flowers is about that much right now.

But with three levels of pricing, users who have the idea of sending flowers will not choose the 4.9 level, at least 9.9 US dollars, which is human nature in consumption.

It's like the same car, there are many configurations, and there are only a few who really choose the lowest gear and the highest gear, and the proportion of choosing the lowest gear is lower than choosing the highest gear.

Tencent's pricing strategy is equivalent to giving consumers only two options: $9.9 and $14.9.

Zhou Xin is naturally very aware of this logic, so he thinks that Tencent has the demeanor of a profiteer in later generations, "I have no opinion, you have already thought it through."

It's just that I've always felt that WeChat flower delivery is more attractive and more in line with the Ameriken market, why do you choose to focus most of your energy on WeChat flower delivery? ”

Zhou Xin thinks that sending flowers to WeChat to make a promotional video, and then placing advertisements, and then looking for a water army on the Internet forum to form public opinion will definitely have a good effect.

Investing publicity resources in WeChat red envelopes is very likely to be a matter of half the effort.

Pony replied confidently: "It's because WeChat flower delivery is so popular, and WeChat red envelopes have a threshold for Ameriken's consumers, that we developed this strategy.

Promote WeChat red envelopes first, so that users have a concept of WeChat red envelopes, and some users have tried to use the WeChat red envelope function.

Then wait until Christmas to put a large-scale advertising video on WeChat flowers, yes, WeChat flowers will also shoot promotional videos.

Flower delivery is a festive or periodic behavior, it will exist at a time interval, after the user completes the first flower delivery, they will remember that there is also a WeChat red envelope, and then complete their first WeChat red envelope.

This is a supporting marketing thinking, we first promote WeChat flowers, and then promote WeChat red envelopes, WeChat red envelopes will not have memory points, the effect is not as good as the former. ”

Zhou Xin was very relieved, because he found that neither Tencent nor Alibaba had lost their original characteristics because of his acquisition.

Ali came to Silicon Valley for development, and is also good at drawing cakes for cooperative enterprises, and Tencent came to Silicon Valley, which also has its own thinking and playing style in products, and has not changed because of the storm effect of Zhou Xin.

Zhou Xin said: "Okay, I have no opinion, you go and do it, the payment permit is estimated to come down this week." ”

Zhou Xin opened up QR code technology to other electronic payment software, and the reward included a new electronic payment license, which is just right for WeChat to use.

WeChat Pay has been a bit tepid since the beginning of the millennium, as users at the beginning of the millennium don't associate instant messaging with payments.

Why should a communication software be interspersed with payment behavior? It's weird.

Something that is not used to, even if it is so reasonable, can seem strange.

Competitors obviously do not underestimate Zhou Xin and WeChat Pay, and in their opinion, electronic payment with Zhou Xin's endorsement is a strong competitor.

"Why?" Most of the competitors' executives are sober and will not underestimate WeChat Pay, but not all of them are sober, and there are obviously those who are not.

"Because WeChat Pay has no user cost, they don't need to think about acquiring users, and WeChat users are WeChat Pay users.

Do you know what that means? It means that WeChat naturally has tens of millions of users, as long as WeChat does a good job of publicity and finds a payment scenario, WeChat payment is easy to form a strong scale effect. "Tsai Chongxin is the sober person.

Yes, Alibaba also wants to do electronic payments.

They are unwilling to be eaten by NewPay in a large part of the cake in foreign trade, and there are too many articles that can be done around accounts receivable, which is also the core key of supply chain finance, and this cake is now firmly in the hands of NewPay.

Alibaba can only eat this part of the cake of the channel, the channel fee belongs to Ali, and the financial service fee belongs to NewPay, Alibaba is obviously not satisfied with the status quo.

It didn't move before, because NewPay has more than 90% of the market share, Ali didn't dare to move, Ali moved, NewPay didn't support them, it would affect Ali's foundation.

In this way, whoever NewPay supports can quickly become a giant in the B2B field. NewPay can easily recreate an Ali out.

Now it's moving because after NewPay announced the public QR code, all businesses that think they are eligible for a piece of the pie in electronic payments are starting to move.

Ali also wants to cut a piece of cake from NewPay, as for the future? Obviously, he is slicing the cake on his side bigger and bigger.

"That means we're going to be open to Newman, who is our largest shareholder outside of the founding team, and are we really ready for that?" Tsai Chongxin really wanted to make electronic payments, but Jackma never thought about it.

What he worries about is Zhou Xin's attitude, anyone with a discerning eye can see that NewPay is Zhou Xin's core industry, Alibaba and NewPay are working against each other, what Zhou Xin will think, Jack Ma doesn't know.

"The largest shareholder is on the one hand, on the other hand, we are now very happy with Tencent and NewPay, and if we want to grab NewPay's cake, it will inevitably destroy the original cooperative relationship.

What if we announce our entry into the field of electronic payment on the front foot, and NewPay on the back foot announces that it will stop cooperating with us?

Now neither Amazon Pay nor eBay Pay has reached the point where it can replace NewPay.

What's more critical is that none of these electronic payment companies have Huaguo's electronic payment license, and even we ourselves will not be able to get Huaguo's electronic payment license in the short term. Jackma said a bunch of practical factors that kept him off the task.

Cai Chongxin is also worried that he also doesn't know Zhou Xin, Zhou Xin is like a thunderbolt in the eyes of the outside world, as long as he treats you as a competitor, he will take all kinds of measures against you.

If he doesn't use all the means he can to deal with you, it means that he doesn't use you as an opponent. It is precisely because of this view from the outside world that the outside world generally believes that Zhou Xin has strong self-confidence in the field of smartphones, and does not take Nokia and Motorola in his eyes at all.

But Tsai Chongxin knew that he needed to convince Jack Ma, because electronic payment is too important for Alibaba, without electronic payment, Alibaba is just a small company, or an ordinary company, only with electronic payment, Alibaba can cross the threshold from an ordinary company to a famous company.

"We only cooperate with NewPay, but NewPay does not only cooperate with us, since the previous year, NewPay has successively cooperated with other e-commerce platforms to provide a series of services such as electronic confirmation, electronic guarantee, and supply chain finance.

NewPay didn't consider us when cooperating with other e-commerce platforms, this is a business behavior, and I believe Newman can understand it.

And Newman also has a large amount of Alibaba stock, and Alibaba's interests are also his interests, and he has no legitimate reason to oppose Alibaba building its own channels.

Secondly, we really can't get Huaguo's electronic payment license in a short time, but we don't need to do supply chain finance business, what we need is a quasi-financial license.

We only need to find a bank to cooperate, let the bank as the intermediary, the status quo is that overseas are the demand side, China is the supply side, the demand side pays the money, we can collect money through electronic payment software, and then the money stays in our account.

Domestic suppliers can see the pledge through our software, and the cooperative bank will pay them after the transaction is completed.

Because it involves the verification of whether the goods meet the requirements of the delivery, our electronic payment software does not require real-time arrival and real-time payment, so we do not need a domestic electronic payment license to achieve this function.

As for NewPay stopping working with us, Jack, rest assured, they won't do that.

Peter and Newman are both mature businessmen, and they know that cooperation is good for both sides, and division is good for both sides.

Alibaba makes its own payment software, and their interests will definitely be affected, but it is better to have a cake than nothing, and a piece of cake that is slowly getting smaller is better than no cake.

In case Newman is young and thinks it is unacceptable, then Alibaba will have short-term pain, but in the long run, it is a great benefit, and we have a legitimate reason to switch users from NewPay to Alibaba's payment software. ”

Indeed, as Zhou Xin thought, Alibaba also has its own thinking and persistence, and will not give up its enterprising spirit because it is doing well now.

For NewPay, it is facing unprecedented challenges.

After listening to this, Jackma said, "Let me think about it, I need time to think, don't force me to make a decision so quickly."

Another question is, how can we get an electronic payment license from Ameriken? ”

Tsai Chongxin said: "You don't have to worry about this, whether it is Goldman Sachs or Merrill Lynch, they can help us do this, and there are still some small companies that have obtained electronic payment licenses in 98 years ago, and the acquisition of one can solve the problem." ”

(End of chapter)