Is it illegal to swipe a POS machine?
Do you know how the handling fee of the POS machine is divided?
After the 96 fee reform, the state stipulates that the reference rate is 06%。As the name suggests, it is a transaction of 10,000 yuan, and the corresponding handling fee is 60 yuan.
The handling fee of 60 yuan is a fixed proportion, which is distributed according to the ratio of 7:2:1. Among them, card issuers account for 70%, third-party payment companies account for 20%, and UnionPay accounts for 10%.
Is there still a violation of the rules in the industry where merchants POS swipe, generate transactions, banks make profits, payment companies make profits, UnionPay also makes profits, and the three parties are win-win?
Swiping a POS machine is not an illegal act per se, but it can be a violation of the law if the purpose of such an act is to use it illegally, such as a large amount of money or frequent card swiping during irregular working hours.
In addition, if the POS machine is used to commit credit card fraud, for example, the cardholder commits TX behavior through the POS machine merchant for the purpose of illegal possession, it shall be convicted and punished as the crime of credit card fraud.
While it may not be illegal to use a POS machine per se, it can face severe penalties from the law if it is not used improperly or for illegal purposes. Therefore, when using POS machines, you need to comply with relevant laws, regulations and regulations to ensure that your behavior is legal and compliant.
Here is a talk about the handling of POS machines. The POS machine itself costs money, but it is collected in a different way.
* Say free customers believe, do not deceive customers say that the machine charges, customers are unwilling to go out, can only choose to deceive, to the end of the ** deception of customers, forcing the salesman to deceive customers, customers also complain everywhere.
If you don't be cheap, no one can fool you? I don't want to pay a deposit, take money to buy a machine, and I don't want to, some even don't want to pay the traffic fee of the machine every year, everything can be free, the customer swipes the card transaction that handling fee, for the real service pos machine people, swipe the card 10,000 yuan to earn three or two yuan, as mentioned earlier, this handling fee has an established distribution ratio, don't make it like a lot of profits, how much money you make.
Imagine whether the customer's mobile phone can receive calls normally without paying the phone bill**? The frozen deposit (excluding the transfer business charged) is simply to make the machine out of the normal use of the customer, not to be taken to dust, and to be refunded when the agreed period is reached.
Of course, there are also POS machines that do not charge deposits, but there is a certain assessment of the salesman, and if the standard is not met, the later assessment will have to pay out of pocket, so that there will be salesmen in order to reduce the loss of the background of careful thinking, such as rate increases, repeated collection of traffic fees and so on.
Therefore, I personally prefer the machine that handles the freezing of the deposit, and there is no need to urge the customer to supervise the customer to swipe the card, and inform the customer of the return conditions, which is relatively safer. In short, there is always one party to bear the cost of the machine.
In 2024, we will embark on the payment road with you, with new models and new opportunities, so hurry up and get on the bus to meet the dividends of industry change!