What is the 32 domain?
The 32 domain refers to the acceptor identification code, which is the acquirer code. Each acquirer has a different logo. It usually consists of the acquirer code + the region code of the merchant.
32 domain is not standardized
The 32 domain is not standardized (the illegal setting of the entity merchant acceptance agency code) is partly due to the acquisition of the off-site acquiring business by the acquiring institution, in order to avoid the inspection of UnionPay.
The popular point is that the POS machine merchant does not use the remote transfer machine in the registered place. The use of the transfer mentioned here may be a real transfer, or it may be a fake transfer due to the payment company. Under normal circumstances, when the payment company finds a suspected 32 domain violation, it will locate the location of the POS terminal once. When the location and the registration location are obviously inconsistent, this has basically proved that the POS terminal has been transferred. If it is because of the payment company's reason for the fake transfer, it is more interesting.
Even if the acquiring institution provides the fake “three certificates and one table†and the door photo (such as the PS business license), UnionPay can still see the move and check the problem through the transaction data of the merchant. For example, the merchant category is set up as a supermarket from the restaurant (the card processing rate is 1.25%) (the commission rate is 0.38%). “Restaurants are generally from 11:00 to 1 pm, from 6 pm to 8 pm, and the supermarkets are concentrated. Relatively scattered, and according to different cities have a single reference amount, such as Shanghai generally single card gold 100~300 yuan." UnionPay related business department head said: "by analyzing the transaction data, this fraud will be seen."
In order to avoid supervision, relying on advanced computer algorithms to constantly change the merchant's "32 domain", it is like letting the same person wear red clothes today, wearing green clothes tomorrow, disturbing the monitoring line of sight.
The merchant code is like an ID card, which should have been a merchant code. However, individual institutions have different MCC or 32 domains for the same merchant code, which is like adding different adjectives: the first transaction comes from "Zhang San in selling wine in Shanghai", the second transaction comes from "Zhang San selling tea in Hangzhou"... In this way, there are different "Zhang San" in the system, and the transaction data cannot be quantified by the model.
More "smart" is that the "adjectives" switch is not manual, relying on intelligent presets. You can imagine that this pos machine has become a revolver. Every time a particle bomb is fired, the "bomb nest" of the backstage system will be automatically changed.
How much will the 32 domain violation be punished?
If the acceptance code of the entity accepting agency of the acquiring institution does not match the location of the equipment, the liquidated damages measure shall be initiated. The standard of liquidated damage shall be 1,000 yuan per household.
If the acquiring institution transfers the misappropriation of the UnionPay card acceptance terminal placed by the special merchants, and starts the liquidated damages measures, the standard for breach of contract is 10,000 yuan for each terminal; for cross-border transfer, the liquidated damages standard is 100,000 yuan per terminal.
The acquiring institution is suspected of using technical means to intelligently judge the amount, card BIN, routing, etc., tampering with the merchant code, merchant name, accepting institution code, transaction type, trading channel and other transaction information, and will use the UnionPay card initiated by the same merchant to accept the terminal. The transaction is combined into multiple sets of transactions, distributed among multiple merchant codes or multiple trading channels. Once the violations are determined, the liquidated damages measures are initiated, and the liquidated damages standard is a single one million yuan.
The acquirer violates the business rules of China UnionPay, and the merchant name, merchant code, MCC code, area code, acquirer code, accepting institution code, special billing identifier, terminal type, registered in the China UnionPay Networked Merchant Information Registration System, If one or more of the information such as the terminal number, business address, business license, legal representative or responsible person's valid identity document or the supporting documents are inconsistent with the real trading scene of the merchant, the liquidated damages measure shall be initiated. The standard of liquidated damage shall be 1000 per household. yuan.
Ningbo Wellcome Trading Co., Ltd. , https://www.huike-homecare.com