What the people care about is whether the merchants will “profit†from it, and the merchants are busy with another thing: because of the different standard of credit card fees in different industries, some merchants have become “low-deductible†in order to reduce the handling fee. Some industries apply for POS machines.
Institutional online shopping POS machine to help merchants "select" industry
The bank card credit rate has been lowered in a comprehensive manner, which has reduced the “fear card syndrome†of many merchants. Some merchants have begun to remember another thing. Is there any way to "disguise" into a low-deduction rate (that is, a lower credit card processing fee) for the industry to apply for a POS machine?
Xiao Bo, who runs a restaurant in Hangzhou West, consulted the reporter with this question. Xiao boss said that his friend had successfully changed the original “catering†to “supermarket†through the online shopping pos machine. It took less than 5,000 in total, but it saved a lot of credit card fees.
The reporter learned that the current gambling fee for the catering industry is usually 2%, but the supermarket, wholesale and other industries only need 0.5 to 0.6%, the difference is obvious.
Immediately, the reporter searched the "Hangzhou POS Machine Agent" on the Internet, and then jumped out a lot of agent information. Soon, the reporter contacted a homepage to display an agency called "181 POS POS Machine".
The reporter consulted the company as a self-employed person who is about to open a restaurant. A staff member of the company said that catering needs 2% of the cost. If you want to set a rate of 0.6%, the recent wind is tight. ". For example, supermarkets in such industries need large-scale supermarket business licenses such as Yichu Lotus and Century Lianhua, which are more difficult to handle; it is recommended that reporters try to make industries with a rate of around 1%, such as trade, home, ceramics, etc. Big.
As for how to "select" the process of the industry, the staff introduced, it is recommended that the reporter find a relative who is engaged in the wholesale of food, "business license and other relevant information is ready, spend 2,500 yuan enough to buy an ATM machine, the rest of the things we come to fix 90% sure." The staff member also said that because of the end of the year, all aspects of supervision are relatively strict, and the industry is too risky to apply for the lowest rate.
The reporter saw on the official website of the company that this Hangzhou Qia Technology Co., Ltd. provides users with comprehensive solutions and services for POS receipt and IT software systems. He has successively obtained the agency rights of many well-known products, including the POS machine for acquiring orders of licensed third-party institutions such as Remittance.
Bank merchants privately change the industry damage cardholder interest
The POS machine from online shopping is so amazing, how much money can you save the merchant?
The person in charge of a well-known commercial bank card department in Hangzhou bluntly said that the friend who had helped the cafe had calculated the account, and the money saved was not enough to pay for a POS machine.
The person in charge said that many merchants are busy looking for people to change the industry. In fact, it is not for the few thousand dollars, but to circumvent the current regulations. He introduced that according to the UnionPay regulations, merchants can apply for POS machines, but credit card swipes cannot be entered into personal accounts and can only be entered into public accounts. Under such regulations, individual merchants naturally feel trouble.
Therefore, in the past two years, a number of well-known third-party payment agencies have been busy using a variety of methods to apply POS machines to change rates and profit, through some technical means to attract customers, change industry categories, and evade relevant departments. Provisions.
The person in charge also said that some well-known state-owned banks often cooperate with agencies to play this gray industry chain, which is an open secret in the industry. However, due to the re-introduction of the credit card rate in recent days, it has attracted the attention of all parties. This type of business is also on the rise.
So, how does this "diversion" affect the geometry of you and me? The person in charge said that the cardholders’ interests were damaged and such cases existed.
Previously, a credit card customer of a bank in Hangzhou ate a card at a well-known restaurant in Fengqi Road. After the signing, it was discovered that it was originally a “something restaurant†but it became a “souvenir shoe storeâ€. Such consumption, customers naturally refuse to pay for this.
According to the person in charge of the above-mentioned bank, in this case, consumers are not only unable to obtain credits for credit card consumption, but may also suffer credit damage due to suspected cash. A similar situation is actually not uncommon. For example, in the above case, there is a text message reminder on the card, and the amount of consumption is not different. However, after signing, it is found that the type of consumption is different. In fact, this is the “feeling†of the merchant, and the customer can completely refuse to pay.
"At present, there are not many well-informed and serious customers. Once they get more up in the future, the merchants will become greedy and cheap. This way is not guaranteed. Once UnionPay begins to check, these credit card swipes will be very risky. Big risks. It violates industry policies in itself,†the official said.
Industry
Individual agency behavior
Belongs to a management vulnerability
The reporter learned that at present, the card processing fee is divided into three parties: the issuing bank, the clearing service agency, and the acquiring institution. The ratio is about 7:1:2.
According to the relevant introductions of the industry, according to the "China UnionPay Institutions Bank Card Interbank Trading Income Distribution Measures" (No. 126), merchants' fee standards are divided into four categories according to different industries, among which the highest deduction rate is hotels, restaurants, etc. The fixed income of the issuing bank is 1.4% of the transaction amount, and the network service fee of UnionPay is 0.2% of the transaction amount.
The bank card fee handling standard adjustment plan will be fully implemented on February 25, 2013. The overall rate of credit card is down by 23% to 24%, with the restaurant and entertainment category down by 37.5%.
Therefore, this news is naturally good news for some industries that have long been afraid to deal with POS machines because of the credit card rate problem. However, the industry also unanimously recommended that merchants, POS machines can be, do not listen to the advice of individual institutions, privately change the industry category. In this way, in fact, there is not much money left, but it also carries great risks.
In the eyes of the industry, this phenomenon is an individual loophole under normal development, and it is an act caused by poor management of individual institutions in the industry.
"A new rule for lowering the rate will definitely have a positive effect on the industry. For banks, it is hoped that the volume of large orders will be increased and the market scale will be expanded. For the merchants, the adjustment will definitely benefit their own business development. Different industries charge different rates, of course, yes, only the loopholes in the current management must be dealt with in a timely manner, and healthy development.†Professor Jin Xuejun, professor of Zhejiang University School of Economics and director of Zhejiang University Financial Investment Research Center.
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