Brushing a credit card is inseparable from the POS machine. Do you know the secret of the POS machine, such as the type of POS machine used by different merchants, such as what is a clearing machine, what is a second cleaning machine, etc.? If you don't understand the related knowledge of POS machine, it is very likely that you will encounter the set code in actual consumption without knowing it, and you will lose credit card points in vain. Next, Xiaobian will introduce the knowledge of some POS machines for your reference.
First, the charging standard of different merchant POS machines
Although the central bank issued new regulations, it required the credit card processing fee to adopt the standard of “debit and loan separationâ€, which means that credit card credit card consumption unified a charging standard. However, before the implementation of the new regulations, banks are still charging according to the 2013 regulations.
At that time, the policy stipulated that from February 25, 2013, the bank card processing fee will officially begin to adjust. The card processing fee for food and beverage merchants is charged at 1.25%, the processing fee for department store merchants is charged at 0.78%, and the supermarket merchant fee is charged at 0.38%. The public welfare category is still 0%. Real estate and automobile merchants refer to the charging standard for catering and entertainment, with a cap of 80 yuan and a single rate increase.
Determine which type of business your business belongs to, and how to charge it, you can judge according to the MCC code. The MCC code is also called the merchant category code, which is set by the acquiring institution for the special merchants. It is used to indicate the trading environment of the UnionPay card, the main business scope of the merchant and the attribution of the industry, and the main basis for judging the settlement fee standard of the domestic cross-bank trading merchants; It is also one of the important basic data for the analysis and reporting of UnionPay card trading industry and the risk management and control of UnionPay card business.
The cardholder can see the merchant's MCC code on the swipe card. What the cardholder needs to pay attention to is 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 codeâ€. For example, if you explicitly eat at a restaurant, the card is displayed as a real estate company. This is because the merchant used a POS machine that did not meet its own requirements in order to pay less. Credit card points are lost to cardholders, and long-term large-value package transactions may result in credit card deratings.
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 a machine directly connected to a merchant by UnionPay, a bank or a third-party payment institution. The transaction money is directly entered into the merchant account after liquidation by the bank, UnionPay or a third-party payment institution. Generally, the arrival time is T+1 days.
The second cleaning machine is a merchant that has applied for a POS machine, and then applies for an additional machine, sells it to other merchants or subletes it to other merchants. For other merchants, this machine is the second cleaning machine. The transaction money is entered into the online merchant account after the bank, UnionPay or third-party payment institution liquidation, and then transferred to other merchant accounts after being settled by the online merchants. Relatively unsafe, the arrival time is also unstable.
For merchants, applying for a POS machine needs to meet the corresponding standards themselves, and then apply directly to the bank, UnionPay or a third-party agency, and do not abuse the second cleaning machine. Otherwise, financial disputes will be nowhere to be paid.
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