I. Similarities between bank POS machines and third-party POS machines:
1, the central bank.
2. All third-party payments have payment licenses issued by the central bank, and huge deposits are paid in the central bank, and all of them are directly settled through UnionPay channels.
No matter the bank or the third party, the payment is safe.
Second, the difference between bank POS machines and third-party POS machines:
1. Most bank pos machines must have a company account.
2. When a bank opens an enterprise account and swipes a card into the enterprise account, it will generate certain taxes.
It is inconvenient for the bank to withdraw money from the enterprise account, so it has to write a check to the bank to queue up at the counter to withdraw money.
4. The bank has strict audit on pos machines, and it is slow to get off the machine. Usually, the fastest processing cycle exceeds 15 days.
Third, pos machine code hopping is not to brush out different merchants every time, but the standard fees given by merchants themselves, and the codes of public welfare and hospitals jump out. The handling fee of such merchants was originally zero, and the issuing bank did not earn any handling fee, but the merchants still gave the standard handling fee. More accurately, code hopping is called public service code hopping. If the credit card is standard MCC and the credit card is 1000 yuan, the actual handling fee you pay is 60 yuan, and the bank gets about 45 yuan, which far exceeds the bank's capital cost, making a great contribution to the bank and raising the amount quickly. If the discount MCC is used, the credit card 1000 yuan, and the actual handling fee paid is about 60 yuan, and the bank gets about 20 yuan, which is barely enough for the bank's capital cost, and basically does not contribute to the bank, so some banks will basically not give the quota, and some banks will not give points. All the money that the intermediary bank didn't get was earned by the payment company, earning 25 yuan more.
If the credit card is MCC for public welfare (relief), and the credit card 1 000 yuan, you actually pay the handling fee in 60 yuan, and the bank gets the 0 yuan, which far exceeds the capital cost of the bank, and the contribution to the bank is zero, which is very fast. All the 45 yuan that the bank didn't get was earned by the payment company. You care about people's eggs, and people care about your chickens. If you see a pos machine with a rate of about 0.5, it must be a set of relief or the rate is 0. Payment companies must ensure that the rate is around 0.54 to maintain their own operations, and other handling fees should be given to agents to expand the market. So the standard handling fee must be 0.6, which is the most reasonable.
Clearing pos machines is the guarantee for the safe collection of funds. If it is only used as a collection, it is enough to pay attention to whether the pos machine holds a payment license. However, if you want to swipe your own credit card, you need to screen it out from these clearing pos machines. Credit card issuers want all their cardholders' credit cards to be real consumption, so the core of raising cards is to simulate real consumption. The first brand of raising cards is Shengfutong pos machine. Because Shengfutong has been developing its business according to the requirements of the People's Bank of China, it has an excellent reputation. Therefore, by default, the issuing bank trades on the Shengfutong pos machine for merchants to collect money and swipe their cards normally.