2023-05-06 06:30:00
“ITmedia Mobile Weekly Top 10” introduces the top 10 articles by tallying the number of article accesses on ITmedia Mobile in a week. This time, we have summarized and summarized the 7 days from April 27, 2023 to May 3, 2023.
The most accessed article during this period was an article regarding PayPay’s service changes scheduled to be implemented on August 1st.
The summary of the service revision that PayPay is regarding to do is summarized as follows.
- Abolition of payments using Visa/Mastercard brand cards (excluding PayPay cards)
- Introduction of fee for PayPay balance charge using “Softbank Collective Payment” and “Y!mobile Collective Payment” (only once a month free)
Both revisions are “disadvantageous changes” for existing users. However, there are many negative reactions on SNS, coupled with the fact that the release does not specifically explain the “reason” for the disadvantageous changes.
PayPay’s merchant fee is 1.98% of the payment amount as standard, and 1.6% + monthly fee (1980 yen per store) when joining the “PayPay My Store Light Plan” …
Credit card merchant fees vary depending on the merchant and the method of membership.When using the payment agency service “Square” for over-the-counter (face-to-face) transactions, the payment amount will be 3.25% (3.75% for iD only) regardless of the industry.
Regarding the abolition of Visa / Mastercard brand card payments, probablyThe burden of merchant fees has increasedI think it’s a big deal.
PayPay basically sets the merchant fee for direct transactions to 1.98%. For example, if a PayPay user makes a payment of 1,000 yen at a merchant, a fee of 19.8 yen will be automatically deducted. This is one of the “valuable” sources of revenue for PayPay.
On the other hand, if you use PayPay for credit card payment, PayPay will pay a fee to the acquirer (the card company in charge of payment).
In general, card payment fees are determined by the card acquirer’s examination, so the fee rate varies depending on the store (company) even in the same industry. In the case of PayPay, we can expect a certain amount of payment volume, and we have a “PayPay card” that is also an acquirer under our umbrella, so we think that payment fees can be reduced to some extent.
Card payment fees generally include “interchange fees” (brand usage fees and payment system fees between card companies) for payment brands (Visa and Mastercard).Interestingly, there is a “standard rate” for commissions for payment brands according to the type of business of the merchant.In the case of Visa and Mastercard, the rates differ depending on the card class even in the same industry.It seems that.
This is a bit off topic, but considering the interchange fee, if payment is made via PayPay with a Visa/Mastercard brand card of another company,PayPay is likely to be in the redThere is no doubt regarding that. To put it a little rough,A service that runs a deficitIt is appropriate to assume that
It is not impossible to think that “if one service is in the red, another service should be in the black”. However, from the perspective of operating a company or store normally, it is not necessarily a good thing to “compensate” for the losses of the deficit department with the profit department. Setting aside the fact that the deficit department is indispensable for the existence of the company and the store, if it is not so, it is only natural that it will be subject to review someday.
Probably, PayPay was able to establish market superiority in code payments,There are few users who use card payment (≒the impact of abolition will be minor and profits can be improved)That’s why I decided to revise this time.
However, from the user’s point of view, once more, “Disadvantageous changeThere is no doubt that it is. Couldn’t you have explained the reason a little more politely…?
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