Brushing a credit card is inseparable from the pos machine. Do you know the secret of the pos machine? For example, are the same types of POS machines used by different merchants? For example, what is a cleaning machine, what is a second cleaning machine, etc., do not understand the relevant knowledge of pos machine is likely to encounter the set of codes in actual consumption without knowing the loss of credit card points, then the small branch for everyone Introduce some pos machine knowledge for your reference.
1. After the 96 fee is changed, the charging standards of different merchants are unified, and the special industry is delayed for two years.
The central bank issued a new regulation requiring credit card processing fees to take the separation of borrowing and lending standards, that is, credit card swipe consumption uniform:
1. Banning the original 0.38%, 0.78%, 1.25%, and 26-80 capping fee standards according to the merchant industry classification;
2. Execute the principle of charging according to the bank card category. The general debit card is about 0.50% up to 20-25 yuan, and the credit card 0.60% is not capped. The exact value of each fee may be slightly different, but basically the same.
It is worth mentioning that supermarket merchants can extend the implementation of the new standard for two years, or at a rate of 0.38%.
Judging which type of business your business belongs to can be judged based on the MCC code. The MCC code, also known as the merchant category code, is set by the acquiring institution for the special merchants. It is used to indicate the main business scope of the merchant where the UnionPay card trading environment is located and the main basis for determining the settlement fee standard for the domestic inter-bank trading merchants. The UnionPay card trading industry analyzes and reports one of the important basic data of the risk management and control of UnionPay card business.
The cardholder can see the MCC code of the merchant on the credit card receipt. The cardholder needs to pay attention to whether the actual consumer category matches the POS machine you use to swipe the card. If it does not match, it will encounter the legendary set code.
Second, the difference between a cleaning machine and a second cleaning machine.
Merchants are more concerned about whether the pos machine used is a clear machine or a second machine.
A clearing machine is generally operated by UnionPay Bank or a third-party payment institution to directly dock the merchant's machine. The money is directly entered into the merchant account after the bank's UnionPay or third-party payment institution clears the account. The general arrival time is T+0 or T+1. .
The second cleaning machine is a merchant applying for the pos machine and then applying for an additional machine to sell to other merchants or subletting to other merchants. For other merchants, this machine is the second clearing machine transaction money is after the bank UnionPay or third party payment institution liquidation After entering the online merchant account, it will be transferred to other merchant accounts after being settled by the online merchants, and the relatively unsafe arrival time is also unstable.
For merchants, applying for a pos machine needs to meet the corresponding standards and then apply directly to the bank's UnionPay or a third-party agency to not abuse the second cleaning machine. Otherwise, financial disputes will be nowhere to be paid.
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