20 17, 17 On the evening of February 27th, the central bank issued the Code for Barcode Payment (for Trial Implementation), which came into effect on April 27th, 20 1 year. The new regulations will restrict the bar code payment business of individual customers according to the level of risk prevention ability.
Risk prevention ability is divided into four levels: A, B, C and D. The payment QR code posted by the merchants who usually shop in front of the booth is a static barcode, and the risk prevention ability is the lowest, which is D.
The new regulations stipulate that the cumulative transaction amount of a single bank account or all payment accounts of the same customer should not exceed 500 yuan by using static bar codes. If individual customers need more barcode payment, they can verify the transaction by digital certificate or electronic signature.
Extended data:
Static barcode restriction reason:
Static bar codes are easy to be tampered with or altered, and it is easy to carry Trojans or viruses. The risk prevention ability is recognized as D-level. At the same time, compared with the traditional bank card payment, the technical realization and business risks of bar code payment have their own particularity, and some market institutions also have problems such as disturbing the fair competition order and preventing payment risks from being in place.
If you want no limit, you need to use digital certificate or electronic visa plus fingerprint or password combination for verification when scanning code payment, so that the cumulative limit for one day is agreed by the payment institution and you through an agreement;
If there is no digital certificate and electronic signature, it is only a combination of password, SMS verification code or fingerprint, and the daily quota is 5,000 yuan;
If only one of the three ways of password, fingerprint or SMS is used for security verification, the payment limit for one-day code scanning is 1000 yuan.
World Wide Web-scan code to pay daily limit. Is 500 yuan enough? You may have misunderstood.