urgent! After 4 days, the POS industry will suspend new merchants! Be sure to prepare in advance...
According to Xiaobian, the payment company that has not announced the latest POS rate in recent days has issued an intensive announcement and officially announced the latest rate to the outside world.
At the same time, due to the cost change, the payment company's various systems need to be upgraded and upgraded according to the requirements. Therefore, the payment company has announced the notice of stopping the network access!
The time to stop entering the network is basically in the period of 9.2-9.5, 9.6 officially resumed, then all will be executed at the new rate!
Next Tuesday, 9.6 days officially arrived, and the POS rate reforms expected by all parties will be fully launched!
Therefore, we hereby advise the parties:
1. Abandoning the illusion, the 0.38% rate of the first card will be suspended or adjusted to the normal rate, and will stop at the latest on January 5, 2017;
2. For payment companies that do not follow the rules and continue to block large sets of codes, this website will be intensively exposed after 9.6 days;
3, POS agents should take the initiative to stop such low-rate POS, otherwise pit people pit;
What you have to admit is that the next 0.38 rate is not eligible for the banking requirements of UnionPay:
1, will eventually shut down;
2, recover the absolute penalty for you;
So, smart, try to stop it! Do not apply unless the merchant meets the conditions!
According to the relevant work arrangements, merchants such as 0.38 deductions and preferential rates will be affected first.
After the next 9.6, the various rates will not change much. The risk and cost of the set code 0.38 has also been greatly improved. After all, it has passed a very strict network access procedure, and then UnionPay will inevitably be unable to get rid of the problem. The current pass rate is extremely low, and the requirements are also exceptionally strict!
Therefore, UnionPay is also less likely to indulge in preferential rates.
Because the credit card rate is excluded, the debit card cap rate will become the new duel point!
In order to seize market share, many banks currently cooperate with merchants. As long as merchants open settlement accounts (including stock merchants) in cooperative banks, POS machine costs, installation costs, etc. no longer need to be borne by merchants, and banks provide months to one. Card processing fees ranging from year to year are refunded or discounted.
Although this is effective in the short term, in the long run, especially under the premise of the increasingly fierce battle of mobile payment, it is still difficult to resist the impact of third-party payment.
According to the latest rate, the future market structure is more disadvantageous for third-party POS. The main considerations are the following:
1. The vast majority of merchants developed by third parties belong to informal merchants. POS merchants have been accustomed to a rate of 0.38 or lower in recent years, which has suddenly increased and the cost has risen sharply;
2. The profit rate of the bank has fallen sharply in recent years, and deposits have declined. At present, many banks have introduced rate refund policies. For banks, it is just that there is no strong implementation of MPOS. Once the implementation of the impact on third parties will be fierce!
3. At present, some hand brush POS has appeared obvious unsalable situation;
4, 2D code payment is released, then no card payment will be crazy
But from another perspective, this impact is also limited, mainly reflected in:
The new rate reform is officially launched!
Millions of POS merchants across the country will face such influences one after another, because there are certain differences in the action time of all parties!
Therefore, it is difficult for merchants to flee, especially Alipay and WeChat are carrying out huge and exciting activities nationwide. Alipay claims to increase the scale from the existing 400,000 merchants to 2 million merchants!
This rate reform, for the country's largest proportion of informal POS users, means that the rate has increased to some extent, and will inevitably lead to no card payment!
The latest POS rates for 41 organizations in the series.
Overall, the lowest debit card rate is 0.4%, 17 yuan is capped, and credit cards are 0.52%.
This embarrassment, third-party POS companies will be extremely difficult to fight!
The central bank has recognized that the QR code can be supplemented with the traditional offline bank card payment business, and authorizes the China Payment and Clearing Association to take the lead in formulating industry technical standards and business rules for QR code payment.
According to the specific rate and distribution of the first payment company that announced the latest rate, once all POS companies have been charged at this rate, the POS agent's distribution has fallen sharply!
The profit margin of the debit card is: the standard rate merchants are eighty-eight, the cap of 3 yuan is capped; the preferential class merchants are sixty-five, 2.5 caps;
The credit card is divided into: the standard rate merchants, the preferential merchants, the seventy-seven
But after the transition period, third-party POS will still develop rapidly!
According to Xiaobian, the payment company that has not announced the latest POS rate in recent days has issued an intensive announcement and officially announced the latest rate to the outside world.
At the same time, due to the cost change, the payment company's various systems need to be upgraded and upgraded according to the requirements. Therefore, the payment company has announced the notice of stopping the network access!
The time to stop entering the network is basically in the period of 9.2-9.5, 9.6 officially resumed, then all will be executed at the new rate!
Next Tuesday, 9.6 days officially arrived, and the POS rate reforms expected by all parties will be fully launched!
Therefore, we hereby advise the parties:
1. Abandoning the illusion, the 0.38% rate of the first card will be suspended or adjusted to the normal rate, and will stop at the latest on January 5, 2017;
2. For payment companies that do not follow the rules and continue to block large sets of codes, this website will be intensively exposed after 9.6 days;
3, POS agents should take the initiative to stop such low-rate POS, otherwise pit people pit;
What you have to admit is that the next 0.38 rate is not eligible for the banking requirements of UnionPay:
1, will eventually shut down;
2, recover the absolute penalty for you;
So, smart, try to stop it! Do not apply unless the merchant meets the conditions!
According to the relevant work arrangements, merchants such as 0.38 deductions and preferential rates will be affected first.
After the next 9.6, the various rates will not change much. The risk and cost of the set code 0.38 has also been greatly improved. After all, it has passed a very strict network access procedure, and then UnionPay will inevitably be unable to get rid of the problem. The current pass rate is extremely low, and the requirements are also exceptionally strict!
Therefore, UnionPay is also less likely to indulge in preferential rates.
Because the credit card rate is excluded, the debit card cap rate will become the new duel point!
In order to seize market share, many banks currently cooperate with merchants. As long as merchants open settlement accounts (including stock merchants) in cooperative banks, POS machine costs, installation costs, etc. no longer need to be borne by merchants, and banks provide months to one. Card processing fees ranging from year to year are refunded or discounted.
Although this is effective in the short term, in the long run, especially under the premise of the increasingly fierce battle of mobile payment, it is still difficult to resist the impact of third-party payment.
According to the latest rate, the future market structure is more disadvantageous for third-party POS. The main considerations are the following:
1. The vast majority of merchants developed by third parties belong to informal merchants. POS merchants have been accustomed to a rate of 0.38 or lower in recent years, which has suddenly increased and the cost has risen sharply;
2. The profit rate of the bank has fallen sharply in recent years, and deposits have declined. At present, many banks have introduced rate refund policies. For banks, it is just that there is no strong implementation of MPOS. Once the implementation of the impact on third parties will be fierce!
3. At present, some hand brush POS has appeared obvious unsalable situation;
4, 2D code payment is released, then no card payment will be crazy
But from another perspective, this impact is also limited, mainly reflected in:
The new rate reform is officially launched!
Millions of POS merchants across the country will face such influences one after another, because there are certain differences in the action time of all parties!
Therefore, it is difficult for merchants to flee, especially Alipay and WeChat are carrying out huge and exciting activities nationwide. Alipay claims to increase the scale from the existing 400,000 merchants to 2 million merchants!
This rate reform, for the country's largest proportion of informal POS users, means that the rate has increased to some extent, and will inevitably lead to no card payment!
The latest POS rates for 41 organizations in the series.
Overall, the lowest debit card rate is 0.4%, 17 yuan is capped, and credit cards are 0.52%.
This embarrassment, third-party POS companies will be extremely difficult to fight!
The central bank has recognized that the QR code can be supplemented with the traditional offline bank card payment business, and authorizes the China Payment and Clearing Association to take the lead in formulating industry technical standards and business rules for QR code payment.
According to the specific rate and distribution of the first payment company that announced the latest rate, once all POS companies have been charged at this rate, the POS agent's distribution has fallen sharply!
The profit margin of the debit card is: the standard rate merchants are eighty-eight, the cap of 3 yuan is capped; the preferential class merchants are sixty-five, 2.5 caps;
The credit card is divided into: the standard rate merchants, the preferential merchants, the seventy-seven
But after the transition period, third-party POS will still develop rapidly!
Jinzhou City Hejin Clothing CO.,Ltd , https://www.hejin-cloth.com