How to choose a POS machine? Five things to buy a POS machine card
2024-11-18 19:59:42
How to choose a POS machine? Five things to buy a pos machine card
There is no complete POS knowledge, there is a heart to play cards, I want to mention the amount of 妾 妾 妾 really can not do it! Today Xiaobian will talk to you about how to choose a POS machine (mainly for merchants). Many people think that the water in the POS machine is very deep. In fact, as long as the following points are mastered, it is very easy to quickly raise the amount of the security card.
1. Recognize companies with payment licenses
Nowadays, many banks handle POS machines in cooperation with regular third parties. It is the same to find a bank to handle and find a third party. However, through bank processing, the requirements are higher and the price is relatively more expensive. It is more affordable to apply, just look for a regular third-party company.
Formal payment companies have payment licenses issued by the state. The funds of the paid company are regulated by the state, and they have payment licenses. They have their own payment channels. The third-party payment licenses can be inquired on the official website of the People's Bank of China.
Second, understand the POS rate and new regulations
At present, there are four main types of POS machines: 1.25% for food and entertainment, 0.78% for general, 0.38% for people's livelihood, and 0% for public welfare. Only a few payment companies can now offer preferential rates to general industry and entertainment companies. The minimum discount is 0.5%. This is the UnionPay agreement rate. The merchant with the preferential rate can display the name of the merchant standard MCC code and license.
Third, see the MCC code
Since each industry has a corresponding MCC code, some payment companies can change the name of the business on the small ticket, but the industry code can't be changed. You can search the POS machine MCC code and query the code corresponding to each merchant. If the actual deduction of the POS machine is greater than the rate corresponding to the industry code, it may be that the agent has increased the rate.
Nowadays, the country has lowered the card processing fee and canceled the industry classification pricing of bank card crediting fees. In other words, no matter what type of merchant you spend on credit card, the rate is the same. Due to the reduction in the handling rate, the subsequent adjustments of major banks are not yet known. At present, the cost of using a POS machine to "cash out" may increase. Still, the risk of cashing out is great, and the set is cherished!
Fourth, look at the POS machine binding information
There are a lot of POS machine scams. It is reported that after the agent handles the POS machine, replacing the bank card in the background causes the card money to enter the agent's pocket. There are some misleading elements in this.
Any POS machine can't be done after the remote private settlement of the bank card, POS machine fraud is not tied to the merchant's bank card at the time of application, when the merchant first uses the POS machine, the amount of credit card is relatively small, the liar will put money Hit the merchant account and let the merchant mistakenly think that the POS machine can arrive at the account normally, but after the amount of the card is large, the scammer will run the money.
It is also very simple to avoid such a phenomenon. Every formal POS machine has a merchant background. You only need to open the merchant background to query the binding information. As long as it is bound to your own ID card, there will be no fraud. .
Five, shop around, don’t be fooled
The same POS machine is bought for a few thousand dollars. Some people buy it for a few hundred dollars. Of course, it is not expensive. It is not good, but there are several brands of first-line brands on the market. One can be used normally. The cost of the POS machine includes the price of the machine, the cost of the network and the maintenance cost. It is normal for any product to be moderately priced.
In general, if the merchant is handling POS machine collection, it is enough to master the above knowledge. If you want to use the POS machine to raise the card, then Xiaobian clearly tells you that the cash is illegal. If it is frequently cashed out, it will be deducted by the bank and even other serious consequences.
There is no complete POS knowledge, there is a heart to play cards, I want to mention the amount of 妾 妾 妾 really can not do it! Today Xiaobian will talk to you about how to choose a POS machine (mainly for merchants). Many people think that the water in the POS machine is very deep. In fact, as long as the following points are mastered, it is very easy to quickly raise the amount of the security card.
1. Recognize companies with payment licenses
Nowadays, many banks handle POS machines in cooperation with regular third parties. It is the same to find a bank to handle and find a third party. However, through bank processing, the requirements are higher and the price is relatively more expensive. It is more affordable to apply, just look for a regular third-party company.
Formal payment companies have payment licenses issued by the state. The funds of the paid company are regulated by the state, and they have payment licenses. They have their own payment channels. The third-party payment licenses can be inquired on the official website of the People's Bank of China.
Second, understand the POS rate and new regulations
At present, there are four main types of POS machines: 1.25% for food and entertainment, 0.78% for general, 0.38% for people's livelihood, and 0% for public welfare. Only a few payment companies can now offer preferential rates to general industry and entertainment companies. The minimum discount is 0.5%. This is the UnionPay agreement rate. The merchant with the preferential rate can display the name of the merchant standard MCC code and license.
Third, see the MCC code
Since each industry has a corresponding MCC code, some payment companies can change the name of the business on the small ticket, but the industry code can't be changed. You can search the POS machine MCC code and query the code corresponding to each merchant. If the actual deduction of the POS machine is greater than the rate corresponding to the industry code, it may be that the agent has increased the rate.
Nowadays, the country has lowered the card processing fee and canceled the industry classification pricing of bank card crediting fees. In other words, no matter what type of merchant you spend on credit card, the rate is the same. Due to the reduction in the handling rate, the subsequent adjustments of major banks are not yet known. At present, the cost of using a POS machine to "cash out" may increase. Still, the risk of cashing out is great, and the set is cherished!
Fourth, look at the POS machine binding information
There are a lot of POS machine scams. It is reported that after the agent handles the POS machine, replacing the bank card in the background causes the card money to enter the agent's pocket. There are some misleading elements in this.
Any POS machine can't be done after the remote private settlement of the bank card, POS machine fraud is not tied to the merchant's bank card at the time of application, when the merchant first uses the POS machine, the amount of credit card is relatively small, the liar will put money Hit the merchant account and let the merchant mistakenly think that the POS machine can arrive at the account normally, but after the amount of the card is large, the scammer will run the money.
It is also very simple to avoid such a phenomenon. Every formal POS machine has a merchant background. You only need to open the merchant background to query the binding information. As long as it is bound to your own ID card, there will be no fraud. .
Five, shop around, don’t be fooled
The same POS machine is bought for a few thousand dollars. Some people buy it for a few hundred dollars. Of course, it is not expensive. It is not good, but there are several brands of first-line brands on the market. One can be used normally. The cost of the POS machine includes the price of the machine, the cost of the network and the maintenance cost. It is normal for any product to be moderately priced.
In general, if the merchant is handling POS machine collection, it is enough to master the above knowledge. If you want to use the POS machine to raise the card, then Xiaobian clearly tells you that the cash is illegal. If it is frequently cashed out, it will be deducted by the bank and even other serious consequences.
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