With the advent of the mobile payment era, payment institutions such as Alipay, WeChat, and Jingdong have rushed to compete for the mobile payment cake. But as far as we can see, from shopping malls to community convenience stores, we will always see a small box on the checkout counter, and a large number of consumers still use credit card spending. Supermarkets, shopping malls, convenience stores, POS collections are a standard.
In this regard, there may be some doubts, in the era when mobile payment is king, why is the prospect of the POS machine market still unabated, especially the smart mobile POS machine like Member Bao?
In this regard, Xiao Bian thinks this way:
First of all, credit card consumption is a long-established consumption habit of merchants and consumers, which is difficult to break in a short time.
Secondly, from the perspective of merchants, the use of pos machine collection has established a fixed data and acquiring system all the year round, so in the short term, merchants will not give up this collection method.
Once again, POS machines have matured and are relatively safe, and mobile phone POS machines have a potential market for unlimited data, which is not inferior to remote payment.
Moreover, with the development of the market economy, third-party payment institutions have begun to emerge, and the payment industry has brought new life and vitality. When merchants handle POS machines, the first impression is to go to the bank. At present, many people are entangled in the choice of going to the bank or a third-party organization?
For the difference and commonality between the two, let us explain to you one by one:
Commonality
1. Leadership: Whether it is a bank or a third-party organization, direct leadership is directly under the jurisdiction of the People's Bank of China and the central bank.
2. Settlement channel: The POS machine settlement channel of third-party institutions and banks are all taking UnionPay. Due to the complicated bank procedures and high requirements, a large number of bank POS machines are actually taking third-party channels.
difference
1. Third party institutions
1. All UnionPay logo credit cards can be swiped.
2. Provide private (the money into the legal person's account, not into the bank to the public account).
3. The account is fast t+0.
4. The rate is more competitive.
5. Can handle mobile POS machine, quick approval, convenient and quick to handle.
6. There is no annual fee and other service fees, but the service is better than the bank.
7. There is a separate background operation, which is convenient for checking the amount and amount of credits at any time.
Second, the bank
1. Most must have a public account.
2. Business license, tax, organization code certificate, account opening permit, legal person's private seal, etc. are required. If the information needs to be paid up, the procedure is cumbersome.
3. Higher taxes.
4. Various service fees such as account opening fee, password payer fee, and annual fee.
5. Banks need to issue a check counter to withdraw funds from public accounts, which is inconvenient.
6. The audit is strict, the downtime is slow, and the arrival time is usually t+1.
Seeing the difference and commonality between the two, do you feel that you have misunderstood third-party organizations over the years?
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