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PayPal中小企业政策变化意欲何为?

最近Paypal的用户发现,从10月1日起,他们通过Paypal收款的费率就要发生变化了。

在PayPal全球1000万商户中,大概有1%的商户收到了PayPal发出的声明邮件。邮件称,PayPal将不再为商户提供以交易量为基础的折扣。PayPal提供这项折扣已经有几年的时间了。这1%的商户都是PayPay中的小商户,根据之前的协议,有一些商户在3000美元的交易量水平就能享受折扣。

从2015年10月1号起,PayPal将会对商户所有国内交易征收2.9%的费用,同时还有每笔0.30美元的交易费。对国际交易,征收费率为3.9%,而每笔交易的交易费适各国情况而定。

这些变动并不会对大型商户或者全球品牌产生大的影响,因为他们与PayPal签订的是协商合同。

在给相关用户的邮件中,PayPal也强调了未来增加的中小企业服务,比如开放Paypal全球203个国家的用户市场,以及卖家保护协议等等。卖家保护协议可以减少卖家因“未授权交易或未收到货物而被要求退款或取消交易”的风险。最初中小企业入驻PayPal时,PayPal并不提供这些服务。那个时候只是提供单纯的“交易处理”服务。

First Analysis Securities Corp.的分析师Larry Berlin表示,这些变动不会改变PayPal和Square或其他数字交易服务商相比具有的价格优势,他还预测这些变动会给PayPal带来1000万美元的收益。

Bloomberg报道称PayPal此次价格上涨是为了刺激其收益的增长,暗示此举是牺牲了小商户的利益。但粗略地计算一下,PayPal 2014年的收入为79亿美元,1000万美元只占0.13个百分点,由此看来并不是为改善收益的大举动。

PayPal的报告称他们平均每个季度有近1亿6900万的用户,产生近11亿的交易量。PayPay每个季度的收入增速都十分显著,其2015年第二季度的交易量增长了27个点。

Small businesses in the very long tail of PayPal’s merchant portfolio will find that the cost of getting paid will change effective Oct. 1.

Roughly 1 percent of PayPal’s 10 million global merchants received emails notifying them that they will no longer receive the volume threshold discounts that have been extended to them over the last several years. These 1 percent are among PayPal’s smallest sellers, many of whom were operating under old contracts that provided discounts on very modest transaction levels, some on volumes as low as $3,000.

As of Oct. 1, 2015, PayPal will charge these merchants a flat rate of 2.9 percent on domestic transactions, along with a $.30 transaction fee. For international transactions, that fee is 3.9 percent, plus a transaction fee that will vary by country.

This change is not likely to impact large sellers or global brands that have negotiated contracts with PayPal.

In its email to affected businesses, PayPal highlighted the many new services that it offers SMBs, including access to new customers given its presence in 203 global markets and Seller Protection, which helps SMBs mitigate the risk of “losing money to chargebacks and reversals related to ‘Unauthorized Transaction’ or ‘Item Not Received’ claims,” according to PayPal’s website. Many of these services did not exist when these small sellers entered into, what was at the time, contracts for pure “payments processing” services.

Larry Berlin, analyst at First Analysis Securities Corp., said that the change will keep prices competitive with Square and other digital transaction businesses, and he estimates that it will add $10 million to PayPal’s bottom line.

Bloomberg reported that PayPal’s price increase is an effort to bolster its revenue growth, implying that it was doing that on the backs of small merchants. Doing the math though, $10 million on a $7.9 billion revenue base (PayPal’s 2014 revenue) accounts for about .13 percent of PayPal’s total revenue – not a big revenue needle-mover.

PayPal reports that it has 169 million users that drive 1.1 billion transactions per quarter (Q2 figures). PayPal has seen significant revenue growth each quarter, with transaction volume increasing 27 percent in Q2 2015.


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