Why is the POS machine so cheap now, but the POS fraud case is on the rise?


From the advent of the POS to the full popularity, it can be said that it has taken a long way. Especially when the POS machine just landed in our country, at that time, for various technical reasons, our domestic manufacturers could not produce their own POS machines, and they could only rely on imports. However, with the strengthening and development of our country's industrial and technological capabilities, it can be said that China has become the world's largest producer of POS machines. From the earliest thousand yuan, one can not buy a POS machine, and now you How much money can definitely buy a number of POS machines, how much you want, the price is only a few hundred yuan a unit, the hard work and accumulation of many industry practitioners, we have today.

Friends who play credit cards must be inseparable from POS machines. Friends who have applied for POS machines must know that it is very convenient to apply for POS machines, and the price is not expensive. But do friends pay attention to it, we often see in the daily news media that for some reason why the use of the problematic POS machine, resulting in being cheated tens of thousands of dollars, there is a POS machine can buy a large credit card, Information such as this often appears around us. Today Xiaobian came to tell my friends why the POS machine is so cheap now, but the POS machine fraud case is rising? Let's take a look at the friends together.

Nowadays, there are more and more people who need credit card maintenance cards. Many friends know to use POS machines to smash wool. But as everyone knows, it is very difficult for an individual to want to open a POS machine in a bank. Therefore, more people will find a third-party payment company agent to handle POS machines. Due to the current mixed market, some bad merchants use some buyers to be cheap. The opportunistic psychological deception has made many buyers suffer losses and the money is damaged.

Regarding the article on how to choose a POS machine, Xiaobian almost has a similar article update every month, but many friends still have a lot of doubts when consulting, and now the POS machine fraud case is still banned. Today, Xiaobian answers some POS machines. Common problems, I hope to help my friends.

Question 1: How to choose a regular POS machine to protect your own funds?

Answer: Simply put, it is to ensure that the machine you bought is clear, and the payment company is clear of the license obtained by the central bank. The settlement time of the regular one clearing machine is T1, that is, the second working day arrives. Now many payment companies have the function of “seconds to arrive”. This is because the payment company has to take care of the user’s needs and seize the market. The reserve fund is paid to the customer first, and then the bank repays the money to the payment company. In this process, the funds are safe, because the formal payment company pays the deposit in the central bank, and if the violation is certain, it must be punished or even canceled. But the premise is that only one big-name payment company is used.

Question 2: Why do some merchants say that they can drop money at a low price or even free?

Answer: In the sky, there will be no pies. Sometimes the cheaper things are more expensive. The brands and models of machines on the market are costly. No matter how good or bad, manufacturers will not supply them to agents free of charge. In addition, after purchasing the machine, I will encounter some problems. Most people don't know how to solve it. At this time, they need to contact the agent. If the merchant sends the machine for free, it is already a loss of the business. Later, I will spend energy to do it for you. Maintenance? The above situation is not the most serious. Some lawless elements directly use the free delivery machine to induce the buyer to set up the machine, and then bind the settlement account to their own name. If they brush a small amount, they will transfer the funds to the customer normally. But once the customer has brushed a large amount, they will take the money away and escape without a trace. The payment industry is not a hammer sale, the latter service is very important, reminding friends not to be greedy and cheap to eat big losses. Choosing a reliable agent is the safest thing once and for all. So, it is still related to the first question, choose a clear payment company.

Question 3: Why are some payment companies' POS card credit rates lower than 0.6%?

Answer: The credit card credit rate has been adjusted uniformly on September 6, 2016. The standard category is 0.6%, the top is not capped, the preferential category is 0.38-0.48%, and the public interest category is 0 rate. Friends know that banks encourage cardholders to consume in standard merchants in order to earn more fees. The standard class 0.6 rate is composed of: 0.45% of the issuing bank, 0.0325% of the UnionPay (received separately from the issuing bank and the payment institution), and the handling fee charged by the acquiring institution=0.6%—the issuing fee of the issuing bank—the UnionPay network service fee.

It can be seen that the payment company's cost rate is 0.4825%, and the payment company's rate space is (0.6-0.4825)%. However, the operating cost of the payment company is relatively high. The payment company must guarantee a rate of about 0.54% to maintain its own operation. Other fees must be extended to the agent, so if you see a rate of around 0.5%. The pos machine is definitely a set of reduction or non-profit categories. That is to say, it seems cheap, but the low-rate POS machine is the wool that pays the company's users.

Question 4: Is it true that the merchant says that the POS function can pack a large credit card?

Answer: Of course, it is a lie. This kind of fraudulent use of a large credit card to confuse buyers to buy POS machines is a lot of casual search. Xiaobian here clearly tells friends that POS machine processing is not directly related to credit card application. To apply for a credit card, you must choose a formal channel, such as a bank official website, a bank authorized cooperation website or a bank counter, etc., and you can apply for it yourself, and the credit card is based on personal conditions and credit card habits. You can buy a POS machine to get a large credit card. This kind of argument is a pure scam, and friends should never be convinced.

Summary: Although the payment industry is deep, the formal payment platform is open. Remind friends, friends just need to polish their eyes, don't make small and cheap, it is not difficult to find a reliable agent to handle POS. After all, the POS machine involves funds, and the stability of funds is the most critical. Advise friends, no matter how many new and unique functions the payment company says, but the first thing that friends care about is money. As long as you can collect money and stabilize your account, it is a good POS machine. Friends say yes? I hope this information will help my friends.

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