When Dacai graduated, many bank classmates asked me to do the card. The card was 3 or 50,000, but it was useless. I will cancel the account after a while. Why, because it really is useless!
In the small county of Zhejiang in 2007, there was not much room for credit cards. There aren't many stores with POS machines installed, not to mention the online payment scan code.
This shows that credit cards are inseparable from pos machines. All banks are desperately issuing credit cards, and the traditional UnionPay POS obviously cannot meet market demand. In May 2011, the central bank issued the first batch of 27 third-party payment licenses, and the POS machine swept the north and south. Especially in the past few years, the rise of mobile phone POS machines is like the explosion of pots, streets and alleys, all of which are advertisements for mobile phone POS machines.
Researching credit cards, POS machines is an inevitable topic. Today, Big Grass will talk about mobile POS.
The development of mobile phone POS machines was first launched by PayPal to sell on the Internet, and the peak sales period achieved 70-80% of network sales. Later, the mpos launched by the box payment also grabbed a large market share and the posture was also very high. This is the deadline for mobile POS machines, followed by various payment companies to launch audio products. Several mainstream companies share most of the market share. A small number of OEM companies also have a hundred companies to open their own, develop their own customers, and increase the amount of agency fee. At the peak of Erqing, there was no glory for a long time, and then the scandal of the second Qing dynasty was continuously exposed. The poor competition and chaos in the hand-brush market prompted the PBOC to make a decision and unify the settlement rate.
On September 6, 2016, on this day, all payment companies suspended the system for system upgrades, and in response to the central bank's new policy, the rate was uniformly adjusted to 0.6%. That is to say, in the past few days, various payment companies have almost increased the rate of mobile phone POS machines to 0.72% + 2 seconds. The 96 fee reform canceled the capping rate, which led to the loss of the benefits of users who enjoyed the capping rate for a long time. Their rigid demand, the market is looking for alternative preferential rates, so online payment came into being!
Most of the preferential rates for online payment are set at 0.38%, which is much more than the standard rate. So all kinds of scan code payment, the wind and fire into the field of the card family. The market size of scan code payment continues to expand, and the rigid demand of the card family has contributed a lot. Together with the popularity of the market, the public has gradually accepted this payment method!
As the competition in the payment market intensifies again, various payment companies can only fight the price war. The payment company can't do business at a loss, and has to increase the proportion of preferential rates! This vicious circle has also caused many users to be deducted by bank closures.
At present, the current situation of the payment industry is that various payment tools are all in full bloom, various restrictions and instability in online channels, and a large number of false merchants in offline channels. As payment licenses continue to be acquired by giants, China's payment market is facing a new round of regulatory reshuffle.
Dacao has been working as a bank credit card for 4 years, and many friends in the payment industry know a lot. This circle, there are routines everywhere, in this big grass advises you card friends: paying to play is a routine, the rivers and lakes are sinister and careful. The basic routine here, I told everyone:
1, small Bluetooth with caution. Small Bluetooth has a hidden danger, it is best to apply for MPOS. Not only is compliance guaranteed, security is high, but cloud flash is also supported.
2, the machine does not have to buy. MPOS market competition incentives, not only free of charge, but also to the customer.
3. Exaggerate the amount of the standard. MPOS requires the cost of equipment. Only when the consumption reaches the standard, the manufacturer will give the machine fee. Usually it is enough to spend 2000 or 5000. Some agents will lie to customers and say they have to spend tens of thousands of dollars.
4. The money is frozen. Many MPOSs freeze the designated funds at the time of initial consumption, and will return them when the consumption exceeds a certain amount. The small 90 is a large 199.
5. The rate is artificially increased. The current standard rate is 0.6%, and the current withdrawal fee is a few dollars. Some agents bully customers do not understand the market, not only the machine charges, but also raise the settlement rate.
6. Be careful with the second cleaning machine. Never use the second cleaning machine, the funds are not guaranteed.
7. Regional provinces are not suitable. MPOS is limited by region. You must understand it before applying for it. Do not apply blindly.
In the payment industry, many agents can adjust the rate. Especially for friends with a large trading volume, you can go to the agent to talk about the conditions.
Also, the current payment industry is fiercely competitive and is spending money on the market. Many products will be promoted, especially when new products are listed, and the rate is particularly favorable. Although the preferential rate can not last long, usually three months, but how much can bring benefits to our card friends. The specific product, the big grass here is not convenient to say, more than the card friend consultation, you will have a harvest.
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