With the rapid development of mobile Internet technology, smart travel, smart payment, a card in hand to go and leave.
Nowadays, the increasingly fiercely competitive life reflects the wisdom of human beings. The banner of Internet payment and mobile payment covers almost all the streets of China.
People’s payment concept has undergone a qualitative change, and it’s all done with a card.
With the change of people's payment ideas and the updating of knowledge, even the aunt who lives at home is often brushing pos machines, because it saves time and effort and has points.
Compared with before, it saves valuable time to find change and wait for change before, so go out and take the food basket and go straight to the supermarket. Merchant Kaisen, Aunt is also Kaisen.
Modern information is so developed, it is very important for ordinary people's consumption concept and knowledge popularization, especially for merchants, this is indeed convenient for many people to choose to start a business, do business, then how to choose POS machine, do not look at the fee It’s not low, it’s not that it looks cool or cool.
The most important ones are as follows:
1. Can you guarantee the safety of funds?
Second, can you arrive in time;
Third, will it be used to play cards, derating, sealing and even affecting credit.
Buy a POS machine to buy "one clear machine", do not buy "two clear machine." POS machine credit card, the funds are not safe, depends on whether the POS machine manufacturer is qualified to run this business, that is, to see if it has a relevant license name called non-financial institution to pay business license.
It is very difficult to get a financial license from the central bank, and the threshold is very high. Having this license means that the company is recognized by the central bank and can legally operate the POS business. At the same time, it is subject to strict supervision by the central bank.
A licensed POS machine is called a "clearing machine." After swiping the card, the money goes directly from the credit card to the POS company, and then to the owner's savings card.
However, snakes have snake paths and rats have rats. Because the investigation is not strict now, many unlicensed companies will "hit" on the licensed company, spend money to buy or rent a machine, and then sell it to us. This is the "two clear machine."
Use the "two clear machine" to swipe the card, the money must be cleared from the credit card first to the licensed company, then to the unlicensed company and then liquidated once, and then hit the owner's savings card.
If you buy a second cleaning machine, the money in the credit card will be sent to you after some messy, unregulated company accounts. The security of funds is definitely not guaranteed. I believe that many of my friends' friends have money for a month after they have swiped their cards. This merchant is going crazy.
When you see a POS brand, pay attention to the central bank website to check whether the company that launched the POS brand has paid the license, if any, can buy it. If you don't have one, don't try it.
In addition to financial security, small partners are often worried about another problem, that is, whether they will be derated and sealed by banks due to the use of POS machines.
Well, depending on what kind of POS machine you use, there are quite a few doorways. For example, it is best not to use a "capping machine" to swipe the card.
When you are swiping a credit card at a certain merchant, the merchant has to pay a handling fee. This fee must be paid to the credit card issuer, UnionPay and POS machine manufacturers in proportion, and the bank can take the bulk.
However, the POS machines used by different merchants have different handling fees, some are high and low, the highest is 1.25%, and the lowest is 0.38%.
There are also wholesale categories, there are caps for card swiping, such as 26 yuan capping, 35 yuan capping, etc., that is to say, you only need to brush a maximum of 26 yuan or 35 yuan fee called "topping machine".
Bank credit card is not for you to use, it is counting on this card processing fee to make money, so it certainly welcomes you to brush the high rate of business, will use the amount, points and other methods to reward.
If you always brush 0.38% of the machine, or the total brush capping machine, but also brush tens of thousands of thousands of thousands of dollars, so several times, it is likely to be derated or even blocked by the bank.
I hope that everyone will carefully step on the air through formal channels, choose reliable salesmen and cooperation agencies, and say that so many small partners must have their own concepts.
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