The near-field payment operating environment has gradually improved, and the business POS machine has been transformed by nearly half.

At present, commercial terminals supporting near-field payment mainly include merchant contactless POS machines, subway and bus card readers, cinemas and taxis and other small payment card readers. According to the data released by relevant media, there are currently nearly 6,000 merchant terminals in Shanghai that can support mobile phone on-site payment. In Ningbo, users only need to carry a UnionPay smart card mobile phone with them, which can not only consume and shop in more than 7,000 merchants throughout the city. It can also experience the convenience of “brushing” in 10 bus lines in the city; in Changsha, the first batch of pilot department stores, supermarkets, cinemas, pharmacies, convenience stores, fast food restaurants, taxis, etc. have completed the mobile phone on-site payment transformation.

Since the POS machine used for mobile phone near-field payment is compatible with the POS machine used for the non-contact financial IC card, the domestic EMV migration has experienced nearly ten years, the contact transformation of the POS machine is nearing completion, and the 2011 non-contact POS machine transformation Started, the non-contact transformation of 480,000 POS machines was launched in 30 regions across the country. Unlike the contact POS machine that requires a complete replacement of the machine, the EPOSS machine sold since 2009 generally has a 13.56M non-contact head. The contactless modification only needs to be added to the contact POS machine. A contactless card reader module can be used, and the transformation process is simple and does not require a large investment. According to the data, in the 2.6 million POS of UnionPay, the number of domestic contactless POS terminals was 1.02 million in October 2012, and exceeded 1.2 million at the end of 2012, accounting for nearly 50%.

However, since the non-contact IC card acceptance environment mainly involves traditional merchants with small and fast payment requirements such as catering, clothing, and supermarkets, such merchants account for more than 84.2% of all non-contact IC card merchants, non-contact. It is difficult to contribute additional income to the merchants in the short term, so the transformation process cannot be done overnight.