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APIdays Singapore 2019 - Advancing Mobile Payments in China and Southeast Asia, Adrien Boue, General Manager Singapore, IT Consultis
MOBILE PAYMENTS IN CHINA AND
April 24, 2019
In China, More Than A Half Is Third-Party Payment
Proportion of Third-Party Payments in China Q3 2018
(Source: Ipos, November 2018)
Alipay and Tenpay Take the Lion Shares of Mobile Payments
China Third-party Mobile Payment Market Share by Transaction Values in Q4 2018
(Source: Analysys, March 2019)
CAN SEA EMULATE THE
SUCCESS OF CHINA IN QR
The Acceptance of QR Code Payment Approach
We will need to have a leading company that will be able to take the role of driving the people towards the QR Code.
“To break habits of using cash, Grab is creating more daily use cases for cashless payment – commuting, food delivery,
paying at food and retail stalls - to drive more usage of the GrabPay e-wallet,” Grab said
The Interoperability of QR Code Payment Services
This uniﬁed QR code will be adopted by 27 payment
schemes including PayNow, Nets, GrabPay, Liquid Pay,
Singtel Dash, and more
The interbank mobile payments system connecting Kbank
Plus, SCB, Bangkok Bank, TMB Touch, KrungThai Netbank,
Krungsri mobile app, and more
The Roles of APIs
APIs have been used in the center of recent development
stacks (Micro Services, Containerization, Serverless).
APIs are a key principle to automate and have
the data ﬂow
Types of WeChat Payments for Companies
WeChat Provides Different Payment APIs
Submit payment code
Request a refund
Download historical transaction list
Authorization code query
Refund result notiﬁcation
Payment Infrastructure Is Very Simple…
connected to the
WeChat Pay integrated
to e-commerce stores,
mini programs, etc.
…But the Payment Integration Requires Some Technical
Documentationsavailable in English/Chinese: https://pay.weixin.qq.com/wechatpay_guide/help_docs.shtml
UXis different between paying inside WeChat (Native WeChat Pay UI) or on a desktop (having a QR code), so
more scenarios to cover than a classic payment gateway.
Community modulesare available to help integrate the payment gateways.
N/A: For WeChat Pay inside China, you also need a Chinese business license and ICP to set up.
On GitHub, to look for community modules for WeChat, use:
Requirements to Open WeChat Pay (or Alipay)
Local WeChat Payment
You already have a company registered in mainland China and can accept
payments in RMB
Cross-border WeChat Payment
Create a WeChat cross-border payment account that connects with your overseas bank
account and can settle in your local currency
Note: If you don’t have a company registered anywhere, then you won’t be eligible
Submit information Sign a contract
Bind the merchant
number and APPID
Open a WeChat
Starting from a social platform providing product reviews, Xiaohongshu has integrated e-
commerce features and now opens its own ofﬂine stores to leverage the large user base.
QR Code payment such as WeChat Pay is available in Xiaohongshu.
Xiaohongshu - Emerging Social Commerce
Top-up Skytrain Cards With Rabbit LINE Pay in Thailand
• In Thailand, Line Pay partnered with Rabbit (contactless transportation card) to allow its
customers to top-up their BTS (Skytrain) cards at the station.
• Rabbit Line Pay had 5 million users and the numbers were up 50% in less than six months, with
a minimum of 10,000 additional users everyday.
(Source: Bangkok Post)
The domination of tech giants and seamless experience in China
makes QR code payment become a standard.
To popularize QR Code payment in Southeast Asia, we need to change
customer’s habit and make the method more centralized and
available at more touchpoints.
APIs plays a vital role in the integration of QR Code payment and may
require some additional work and UX interactions.
ITC empowers the most ambitious brands on their digital transformation in China and across
other Asian markets. With a team of 70 experts in three countries, ITC leverages martech, e-
commerce and omnichannel solutions to maximize client’s ROI.
years of passionate work
talented team members
satisfied clientsoffices across Asia
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