With credit cards, pos machines, you must know the big things...

Are you still using a code hopping machine?

Debunk the truth about POS rates. Because you are not in the industry, just swiping users may not know so much.

I will tell you today.

POS: In 2016, the 9.6 fee was changed to the central bank, and the POS standard rate was adjusted uniformly.

Many payment agencies still have such violations in order to make profits. Popular types of special billing, and even direct jump-offs, are not only damaging the normal price system, but also extremely unfavorable to the development of the industry. Even some payment companies jumped to psychiatric hospitals, public hospitals, crematoriums, inspectors, etc., which made the cardholders feel good! Moreover, many cardholders are unable to obtain the credit card consumption points, which will have a certain impact on the card status. They may even be detected by the card issuer system as abnormal transactions, freeze the transaction or reduce the credit limit, and seriously damage the cardholders' interests!

· It is clearly sung in ktv consumption,

· And the “xx large supermarket” is written on the consumption list?

· Some credit cards are swiped but there are no points.

· And some brush has a small amount of points, but a large amount of brush but no points?

· Some credit cards clearly have more credit cards, and they have repaid on time, but they have suffered bank derating and sealing.

What is a set of codes?

A low-cost pos machine for merchants to save on handling fees. For example, if you swipe your card at ktv, you will charge a fee of 0.6 for the merchant. However, if the merchant is handling a supermarket-type set-up machine, he only needs to pay a handling fee of 0.38 or lower, saving most of the handling fee. This is why you obviously see the xxx entertainment city on the small ticket, but at the time, the bank customer service inquiry means that you are shopping at the supermarket.

What is POS machine hopping code?

The problem is usually with third-party payment companies. The third party gives the merchant a clear TTL of 0.6 ktv, and the handling fee is also deducted according to 0.6, but if your amount reaches a certain limit (around 7000, each third party is set differently) the transaction becomes 0.38 rate or cap rate, and the middle fee is the third-party payment company. If you use a small amount of this POS machine, there is no problem. This is why you obviously have 500 points on this machine. 15000 has no reason for points.

How to distinguish those are hopping code, set POS machine?

What has been introduced in the above is the code hopping code, the set code? As long as you master this knowledge, it is very easy to distinguish. The easiest thing is to check whether the bank card bill is consistent with the purchase order or call the bank for a phone call. You can also pass the company's “countdown event”. The public number query function query, according to the category of mcc to determine whether it is a set of code, the code can only be queried by the above method!

Finally, what are the consequences of using a POS set, code, and code POS machine?

1. For cardholders, it often leads to small points with points, large amounts of no points, or very few banks with points, and even credit cards are subject to risk control, derating, and sealing;

2. For merchants, it is easy to be sealed and the funds are frozen to get no money;

3. For banks, they can't make money and strictly investigate violations;

4. For the agent, the customer is sealed, the penalty is low, the compensation is violated, and so on.

5. Conscience is recommended here to pay more than Shande Duo, Jialian Li brushed high-quality merchants, trading with points.