Many friends are familiar with POS machines and use pos machines every day. There are many netizens who come to consult and ask the bank and the third party to pay for the POS machine in the end what is the difference? ? In response to this problem, Xiaobian compiled a piece of information to answer the questions of friends.
Many merchant friends are asking what is the difference between a bank POS machine and a third-party POS machine? Is the third-party POS machine safe?
First, the common point of bank POS machine and third-party POS machine:
Bank POS machines and third-party POS machines have a leadership: the central bank. All third-party payments have a payment license issued by the central bank and a large margin deposit in the central bank, which are directly settled by the UnionPay channel. Moreover, due to the complicated bank procedures and high requirements, a large number of bank POS machines are actually taking third-party channels (I didn’t expect to, small friends?) I believe everyone sees it here, in fact, whether it is a bank or a Three-party payment is safe.
Second, the difference between bank POS machines and third-party POS machines:
Let's talk about the bank POS machine first:
1. Most bank pos machines must have a public account, and if you install a money transfer machine, you cannot swipe your credit card.
2. If the self-employed person opens a public account, they need to prepare: business license, tax, organization code certificate, account opening permit, corporate seal, legal person's private seal, these things. If the information is not correct, it will take several hundred to make up the information. Nearly a thousand dollars. Now that the policy is loose, individual households can also handle it.
3. The bank opens a public account and swipes the card into the public account, which will generate certain taxes.
4. The bank is willing to open a public account to the self-employed, and you have to spend hundreds of thousands. For example: account opening fee, password payer fee, annual fee. . .
5, the bank is on the public account, withdrawal is very inconvenient, you must have a check to go to the bank to queue up to withdraw money.
6, the bank POS machine audit is strict, the machine is slow, the processing cycle is usually the fastest and more than 15 days, the arrival time is usually t+1.
Let's continue to talk about third-party POS machines:
1. All UnionPay logo credit cards can be swiped.
2, provide private (the money into the legal person account, do not enter the bank to the public account), reasonable tax avoidance, this you know.
3, the fastest seconds to arrive, T+1.
4. The rate is more competitive.
5, can handle mobile pos machine, approval is fast, easy to handle. Can be off the same day.
6, no annual fee, the service is definitely better than the bank.
7, there is a separate background operation, so you can check your daily card amount and money at any time.
Summary: In short, the POS machine business as a third-party payment is simpler and faster. However, bank POS machines also have an irreplaceable advantage, that is, there are many promotions for merchant activities. Each bank credit card has many preferential policies such as promotion promotion and credit card reward for its own POS merchants. Suggest friends, if it is a restaurant and entertainment business, try to choose a bank POS machine. If it is a merchant that operates wholesale or building materials, or a third-party payment POS machine, it is more cost-effective. I hope this information will help my friends.
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