The end of the second clear POS! The central bank opened a comprehensive inspection in April! are you ready? !

The General Office of the People's Bank of China recently issued the "Notice on Further Strengthening the Remediation of Unlicensed Business Payment Services" (Yin Ban Fa [2017] No. 217), which is the special rectification work for non-bank payment institutions issued by the central bank. After the implementation plan, the largest document so far for the payment industry has been “strike hard”. The central bank said: This document is mainly to further promote the relevant work on the basis of the previous work related to combating the unlicensed business payment business, focusing on the inspection institutions, and comprehensively inspecting the license-issuing institutions for the unlicensed business payment business ( The following is called "unlicensed institutions / unlicensed companies") to provide payment clearing services.

Judgment on unlicensed operation

The payment settlement service (also called payment service) is a monetary fund transfer service provided by a commercial bank or a payment institution between payers and payers. Non-bank institutions engaged in payment settlement business shall obtain the "Payment Business License" approved by the People's Bank of China and become a payment institution. Failure to obtain payment business license to engage in this business violates the relevant provisions of the Measures for the Prohibition of Illegal Financial Institutions and Illegal Financial Business Activities, undermines the payment and settlement business licensing system, and jeopardizes the market order and security of payment. If the circumstances are serious, the Criminal Law shall apply. Article 225 (3) shall be investigated for criminal responsibility for the crime of illegal business operations.

The Supreme Inspection has accurately defined the legality of three types of Internet-related financial actions, such as illegally absorbing public deposits, fund-raising frauds, and illegal business fund payment and settlement behaviors. Among them, the so-called illegal business fund payment settlement behavior is commonly known as "two clear."

Xiaobian inquired that Article 225 [Illegal Business Crime] violates state regulations, (3) illegally engages in securities, futures, insurance business without the approval of relevant state authorities, or illegally engages in fund payment and settlement business. . If the market order is disturbed and the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined more than one time but not more than five times the amount of illegal income. If the circumstances are particularly serious, the prison shall be sentenced to five years or more and the illegal income shall be doubled. Less than five times the fine or confiscation of property.

As of the end of April 2018, the head office will conduct spot checks on the work in various places, and if there are omissions, the relevant personnel will be held accountable. Finally, by the end of June 2018, the head office will summarize all the work.

So what is the clearness of what is the second clear, how to choose agents and merchants?

Xiaobian tells you:

POS: It is a terminal reader with bar code or OCR code technology, with cash or barter cashier function. Its main task is to provide data services and management functions for commodity and media transactions, and to conduct non-cash settlement. (Non-cash settlement is through non-cash payment such as swiping, scanning, etc.)

Here, make a supplement about the QR code payment. Scanning code payment is actually a way of non-cash settlement, just like swiping a card. Similarly, these flash payments, such as APPLE Pay, can be attributed to non-cash settlement. Even online banking transfers and remittances fall into this category.

The word liquidation can be described as a "reconciliation". It is an act of clearing debts and debts.

The pos machine clearing machine means that the consumer's payment funds are directly sent to the account bound by the merchant through UnionPay (or a third-party payment platform), without going through other accounts in the middle, having their own independent background, and having an official background.

A clearing machine: full name is “one-time liquidation machine”, the fund clearing method is as follows:

Consumer credit card (payment)

↓↓

UnionPay (or a licensed third-party payment platform)

↓↓

Collection account (to account)

However, with the evolution of the POS machine market and the intensification of competition, the POS machine has been cleared on the market. The second cleaning machine is a company that does not pay a license. Without this license, it is not allowed to carry out liquidation work. They apply for N POS machines with their own company qualifications, and use one of them for merchants. The funds are advanced to their company accounts, and they transfer them to merchants manually. Because of the manual intervention in the liquidation process, the funds are caused by certain security risks, but they cannot be said to be absolutely insecure.

Second Qingji: Fully referred to as “secondary liquidation machine”, the fund clearing method is as follows:

Consumer credit card (payment)

↓↓

UnionPay (or a licensed third-party payment platform)

↓↓

Third party account

↓↓

Collection account (to account)

Think carefully, your money, you opened a shop, applied for a second cleaning machine, then. The money for consumers to buy things, first to the account of the POS machine company, and then transferred to you. If people have less money when they transfer money, or if they run away, your money will be gone. And many sets of code and hopping phenomenon also occur in the second cleaning machine, the same is true.

For POS machines, financial security is the most important. If your POS machine is a machine, congratulations, your money is relatively safe. If your POS machine is a second machine, then you will Have to pay attention.

So how do you identify your own POS machine as a cleaning machine or a second cleaning machine? What is the difference between a POS machine and a second machine?

1. A clearing machine with an official independent background supports real-time query transaction details. By checking the business license information and settlement account information with the official customer service, it can accurately distinguish whether it is a clear machine. If there is no independent background, it must be a POS machine.

2, POS machine clearing machine settlement method is T+1 way checkout, which means that the next day to check out on time, some second clear machine business in order to attract customers, hit the real-time checkout, and some of the second clear machine business is delayed Arrived.

3. See who is the banker. If the bank card with the bank card has online banking, log in directly to the online banking and see the transaction details. If the party is a third-party payment platform that pays the license, it is a clearing machine. It is a personal or general company that is the second cleaning machine. If there is no online banking, you can go to the counter to print the transaction list to view the details.

At present, there are even three clearing machines in the market, I hope you will not encounter them. If you want to apply for a POS machine, you can go to the bank or a third-party payment company that holds a bank card acquiring license (continue to pay attention to paying encyclopedias and make payments safely).