What is ALLINPAY? ALLINPAY Review, Features

Tonglian Payment (Tonglian Payment Network Services Co., Ltd.) was established in October 2008. It is a third-party payment-based financial technology service company jointly invested by China Wanxiang Holdings Co., Ltd., Xinhua Life Insurance Co., Ltd. and other institutions, with its headquarters in Shanghai. Tonglian Payment is the vice president unit of the China Payment and Clearing Association, the executive director unit of the China General Chamber of Commerce, a national high-tech enterprise, a key software enterprise in Shanghai, and a Shanghai Enterprise Technology Center, and has won the title of "Shanghai Famous Trademark".

Product Business

1. For merchants

1. Tongyi Pay

The payment platform based on comprehensive financial services developed for small and micro merchants aims to bring them an extremely convenient and safe payment experience while providing value-added services for financial products.

2. Connect with IPAY

The newly built professional and all-round mobile payment terminal is specially designed to meet the payment needs of small and micro merchants, bringing a new safe and convenient payment experience.

3. Digital Marketing

With a comprehensive product system including electronic membership, electronic vouchers, mobile cashier, WeChat Mall, digital distribution, etc., we empower merchants and transform offline customer traffic into digital assets of enterprises. We build stores into customer traffic connectors, use Internet tools and social means to manage customers, enhance stickiness, and tap into customer lifetime value.

4. Xiaotong Automobile

Through its official WeChat account, Xiaotong Auto provides transaction scenarios for stores and car owner members, helping stores bid farewell to traditional paper-based and manual management and enter the era of smart stores.

5. Pay in person

Face-to-face payment is a convenient cashier product we created for merchants with small-amount, high-frequency payment needs. Merchants do not need to invest in terminal equipment. By posting or placing a payment QR code, they can easily realize WeChat, Alipay, UnionPay QR code and other scanning payment.

6. Cashier

Tonglian Cashier is a merchant service platform that aggregates payment functions of various wallets and bank cards such as WeChat and Alipay, and provides marketing and promotion services. It has rich payment channels, efficient clearing and settlement services, diversified financial value-added services and precise marketing functions.

2. Individual Users

1. Tonglian Wallet

Tonglian Wallet is a mobile payment product that is committed to providing users with convenient life services, special e-commerce services, financial management services and mobile payment services. Tonglian Wallet won the title of "Annual Recommended APP" by the Shanghai Application Information Committee in 2016. As of August 2018, it has served more than 7 million users.

3. For enterprises

1. Tongshang Cloud

Tongshang Cloud Platform is an open platform based on a virtual account system. Customers can "apply to create a dedicated account" and "API interface integration development" to provide virtual accounts, payment channels, order management, billing systems, fund custody, financial value-added and other solutions for various business scenarios.

2. Digital Marketing

With a comprehensive product system including electronic membership, electronic vouchers, mobile cashier, WeChat Mall, digital distribution, etc., we empower merchants and transform offline customer traffic into digital assets of enterprises. We build stores into customer traffic connectors, use Internet tools and social means to manage customers, enhance stickiness, and tap into customer lifetime value.

3. Xiaotong Real Estate

A real estate sales industry solution that integrates smart POS, real estate industry applications and order membership management. It is connected in SAAS mode and provides product services to real estate developers and customers with related needs.

4. Tonglian Wallet Customized Output

Tonglian Wallet customized output is based on the Tonglian Wallet personal comprehensive account system, combined with wallet scenario services, to provide enterprises with a one-stop comprehensive service solution. Based on SAAS services, it can quickly provide enterprises with financial account services that integrate payment accounts, aggregated payments, recharge and withdrawal, consumer transfers, financial management and insurance, and provide a one-stop supplement of rich life service scenarios such as finance, community, e-commerce, O2O consumption, entertainment and travel.

5. Wanjia Community

With community service as the core service content and Tonglian Wallet account system as the foundation, it integrates financial services, e-commerce services, O2O services and other resources, and through the SAAS cloud service system, it is a smart community cloud service platform that integrates software and hardware tailored for the community.

6. Welfare Pass

Fulitong is a "corporate salary and benefits solution" launched by Tonglian Payment by integrating various resources such as banks, funds, insurance, e-commerce, and travel, combined with years of corporate service experience. It aims to promote cooperative companies to care for employees in all aspects and shape the company's unique culture.

7. Wan Xiaobao

In order to meet the growing investment and financial management needs of institutional and individual clients, Wan Xiaobao can act as a provider of financial products and provide customers with various financial management products, including: money market funds (fund types that can be used as underlying share accounts and support T+0 redemption), bond funds, stock funds, hybrid funds, index funds, QDII funds and other conventional public funds, private funds, fixed income financial management, various asset management products, etc.; fund products and fund sales business are provided by Tonglian’s wholly-owned subsidiary Tonghua Wealth.

4. Financial Institutions

1. Wan Xiaobao

One-click embedded balance management tool.

2. Repayment Pass

Repayment Pass is an inter-bank repayment service provided by Tonglian Payment for all banking institutions’ credit card centers and credit card holders. It is compliant with regulations, has security guarantees, and provides efficient services. We will do our best to ensure that your repayment business operates smoothly 24 hours a day.

3. Asset Pass

While introducing high-quality assets to its partner financial institutions, AssetLink provides technical services such as online loan systems, risk control rule engines, and fund transfers to support syndicated loans and loan assistance businesses, and goes all out to help financial institutions develop Internet consumer credit businesses.

4. Verification Pass

Verification Pass provides banks with a full range of personal customer information verification services via the Internet.

5. Xin ePay

We are deeply engaged in the Internet finance industry, providing a comprehensive, efficient and distinctive integrated service product system for investment and financing merchants.

6. Jinfutong

Jinfutong provides comprehensive cardholder services to national and regional financial institutions through high-frequency, high-quality scenarios and diverse interactive methods.

7. Xiaotongrong e-Consumer Finance

Solve the needs of customers for installment payments and merchants for expanding sales

8. Fund Payment

We are one of the first companies in the industry to obtain a fund payment and settlement license. We use the gateway model as a back-end channel to provide payment and settlement services to front-end fund institutions. We are experienced, compliant, and dedicated to meeting your payment and settlement needs.

9. Insurance services

With insurance technology as the core and payment services as the foundation.

Development History

-In 2008, Tonglian Payment was established in Shanghai.

-In 2009, the core business system was launched to carry out acquiring and prepaid card business, and the Tongliantong system was launched to carry out collection and payment business.

-In 2010, it became one of the first third-party payment companies to obtain online fund sales payment and settlement service licenses.

-In 2011, it became one of the first companies to obtain a payment business license issued by the People's Bank of China and was elected as the vice-chairman unit of the China Payment and Clearing Association.

-In 2012, it was rated as a "High-tech Enterprise" and launched the fund securities payment brand "Wanzhengtong".

-In 2013, it became one of the first third-party payment companies to obtain cross-border foreign exchange payment business licenses. Its subsidiary Tonghua Factoring obtained commercial factoring business qualifications, and its subsidiary Tonghua Wealth obtained fund sales business qualifications.

-In 2014, the first batch of third-party payment companies that obtained cross-border RMB payment qualifications won the First Financial Internet Big Data Finance Award.

-In 2015, we upgraded "Shouyinbao" and launched mobile payment aggregation services. The financial technology product "Yunshangtong" comprehensive payment service project was put into production.

-In 2016, it was awarded the title of "Shanghai Famous Trademark" and its mobile personal wallet product "Tonglian Wallet" was officially launched.

-In 2017, the financial technology product "Wan Xiaobao" was launched and won the Nandu Media Golden Brick Award. The subsidiary Tonghua Business launched the international card acquiring business in Hong Kong, and the financial technology affiliated company Tonghua Jinke officially operated independently.

-In 2018, it was listed as the annual payment institution in the TOP Financial List of The Paper, and was elected as a standing director unit of the China General Chamber of Commerce. Its subsidiary Tonghua Financial Services obtained the Hong Kong Financial Services Operator License.