I remember that in 2015, because of the need, I handled a POS business machine with a rate of 0.38%, which is very large. Later, on September 6, 2016, the rate reform unified the rate to 0.6%.
At the time of handling the machine, I paid a buyout fee of 1,000 yuan, and then I needed to pay the flow card fee every year. The frequency used at that time was very low, and I felt that the rate was not cost-effective, and there was no WeChat or Alipay payment, so I didn't need it.
Since the rate reform, there have been more and more agents who have sent POS machines for free. So my friend sent me a pos machine for free, which is a very small machine. I only used it occasionally, but in less than a year, I found that the platform was frequently upgraded and it was very troublesome. So I asked my friend to understand the doorway of the POS machine, only to know that there are so many things we don't know.
About the POS card credit rate
In fact, after the rate reform, there are still three types of merchants and rates in the market:
1 Public welfare merchants, the credit card rate is 0, the card is 10,000, and the bank income is 0 yuan.
2 preferential merchants, the card rate is about 0.38%, the card is 10,000, and the bank income is more than 20 yuan.
3 Standard merchants, the card rate is about 0.6%, the card is 10,000, and the bank earns 45 yuan.
When your credit card rate is often less than 0.6%, the bank may decide to cash out your credit card swipe behavior, and your credit card may face the risk of reducing the amount and being blocked. The specific reason for everyone to look at the different types of credit card rates, the bank earned, it should be able to see.
Logic about POS merchant rate jumps
Under normal circumstances, for a regular POS machine, the credit card rate for each merchant is determined by the industry category and merchant type. Each industry category has a designated industry code. What we usually call "hopping code" means that if you go to the restaurant to have a meal, it should be the industry code of 5812, but it will jump out of the prag shop industry code 5733, then your card swipe behavior will be judged as abnormal. At this time, it is possible that the bank customer service will call you to confirm, and it is possible to directly seal the card.
POS machines presented in the market generally have two different types of operating modes:
The first category: choose the industry by yourself.
The second category: self-selected industry + merchants
The agent will not tell you the real secret. In the case of a fixed merchant, a fixed rate will be charged, and the POS machine of the merchant can be automatically redirected. The probability of jumping code will occur with a high probability. These machines rely on the stability of the platform software. In some platforms, there are 1 hopping code in 10 times, and some platforms have 1 hopping code in 20 times.
Depending on your choice, POS opportunities have different charges. For example, if you choose the third category, you will usually need to pay a deposit.
So why do agents also send POS machines for free?
Free delivery of the machine, what money does the agent earn?
Everyone may think that the current machine is free to send, so what do agents rely on to make money? We mentioned earlier that the credit card rate is documented.
After the user swipes the card, the funds will stay on the payment platform after deducting the credit card rate. If it is needed, the payment platform will pay a deposit of 2-3 yuan on this basis. The agent relies on the development of the number of users to draw.
Just said the deposit, some agents will make a profit based on your credit card amount, for example, your credit card amount needs to be swiped up to 20,000 in one month after the activation of the machine account, or the card credit amount is over 800,000 in one year, and the deposit will be refunded. The cost of the buyout is that during the next credit card process, there is no need to pay extra cash withdrawal fees.
The larger the user's base, the more fees the platform receives, and the higher the agent's score.
Free POS machine, is there a point?
The answer is yes, as long as the merchants and codes that are not blacklisted by the bank, the credit card has points.
Here, it is not encouraging everyone to go crazy to handle free POS machines, because in the text, I also reminded everyone that if you encounter a small platform, then the risk of information being applied still needs to be considered.
Is it safe to send a POS machine for free?
With the evolution of the POS machine market and the intensification of competition, many POS machines and two clearing machines have appeared on the market. The second cleaning machine is a company that does not pay a license. Without this license, it is not allowed to carry out liquidation work. They apply for N POS machines with their own company qualifications, and use one of them for merchants. The funds are advanced to their company accounts, and they transfer them to merchants manually. Because of the manual intervention in the liquidation process, the funds are caused by certain security risks, but they cannot be said to be absolutely insecure.
Second Qingji: Fully referred to as “secondary liquidation machineâ€, the fund clearing method is as follows:
Consumer credit card (payment)
↓↓
UnionPay (or a licensed third-party payment platform)
↓↓
Third party account ↓↓
Collection account (to account)
Think carefully, your money, you opened a shop, applied for a second cleaning machine, then. The money for consumers to buy things, first to the account of the POS machine company, and then transferred to you. If people have less money when they transfer money, or if they run away, your money will be gone. And many sets of code and hopping phenomenon also occur in the second cleaning machine, the same is true.
For POS machines, financial security is the most important. If your POS machine is a machine, congratulations, your money is relatively safe. If your POS machine is a second machine, then you will Have to pay attention.
So how do you identify your own POS machine as a cleaning machine or a second cleaning machine? What is the difference between a POS machine and a second machine?
1. A clearing machine with an official independent background supports real-time query transaction details. By checking the business license information and settlement account information with the official customer service, it can accurately distinguish whether it is a clear machine. If there is no independent background, it must be a POS machine.
2, POS machine clearing machine settlement method is T+1 way checkout, which means that the next day to check out on time, some second clear machine business in order to attract customers, hit the real-time checkout, and some of the second clear machine business is delayed Arrived.
3. See who is the banker. If the bank card with the bank card has online banking, log in directly to the online banking and see the transaction details. If the party is a third-party payment platform that pays the license, it is a clearing machine. It is a personal or general company that is the second cleaning machine. If there is no online banking, you can go to the counter to print the transaction list to view the details.
At present, there are even three clearing machines in the market, I hope you will not encounter them. If you want to apply for a POS machine, you can go to a bank or a third-party payment company that holds a bank card acquiring license.
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