Card God reminded friends that many merchants were deducted from the bank withholding business without knowing the amount after they applied to the bank for POS. In contrast, the card god group specially compiled a piece of information to remind friends. Recently, many readers and netizens came to the card to reflect that they had handled a free POS machine at a bank. However, in the process of handling, the staff of the bank told him that they needed to open a public account, because they handled the bank. The POS machine was unfamiliar. The friend opened it very casually. The result was that he regretted his intestines. After getting the POS machine, he brushed a 5,000-yuan transaction in a few days and found that in addition to the card-sweeping procedure. The fee was actually 6,000 yuan, and the bank explained that it was 360 yuan for the public account and 600 yuan for the settlement card.
During the conversation with this friend, it was found that this friend did not seem to know that his machine had to pay this extra handling fee and management fee during the POS process, and the bank staff seemed to be intentionally or unintentionally. Did not mention the money.
At the same time, another reader said that some banks do require a public account for free POS machines, and the management fee and settlement card annual fee for this account is one or two thousand yuan. By the way, the annual fee for the settlement card is thousands. It needs to be paid every year. Such a complete free POS routine surfaced, in the name of a free POS machine, you are required to open a public account, and then deduct the management fee and the settlement card annual fee in a reasonable and reasonable manner, all of which are unknown to you. And in order to smug the free POS machine, the so-called contract was signed!
Through the above process, we know that there is always a squat in the back of the free. At present, there are many payment institutions or banks in the market that claim to be able to handle free POS machines. Of course, there are various other conditions attached to their free ones. Some of them are familiar with the slogan, they often use free slogans to attract attention. Actually, But behind the scenes are calculated a variety of savvy little abacus, in the market, free seems to have become a common situation, but sometimes we need to ask ourselves, you do not give money to others, why others serve you?
In this card, God wants to tell everyone that free of charge is often the most expensive, and must be accompanied by other charges. After all, if the POS machine buys one unit, there is not much cost, and it is 300-500 yuan.
You went to find an agent that was high enough to scare the dead to get the goods. After all, all the distillation was drained after a few months. Except for the socks that were ground out, the painstaking effort was all in vain.
You went to get a free pos machine to go home, and suddenly one day, I found out that the funds didn't arrive, and then I called the past when I heard the cold words: Sorry, the call you made has been down!
You go to the bar to eat, eating peanuts is free, but when you are thirsty, you find that a bottle of mineral water sells 20 yuan.
You have to travel for five hundred yuan to go on a five-day dinner tour. The result is towed to a souvenir street. If you don't pay enough protection fees, you won't go home. The vacation tour will transform into a folk life experience.
Everything has a price. If you pay the price first, you can choose the method and amount. After paying, you can only kill anyone. "The service is used, and you want to run? The knife is still stewed and you choose it yourself!" However, the evil of free is not only this, you will find that there are fewer and fewer good quality things. When consumers tend to be free, the competition for fees is free, or they are closed or they are free.
After the 96 fee reform in 2016, the bank directly participated in the acquiring market, and the payment company faced enormous challenges. After the 96 fee was changed, the bank’s service fee was capped by the government. As seen from the profit margin, only a larger volume can increase profits. A large amount means more money, so many banks have already directly participated in bank cards. In the single market, in order to absorb more deposit funds and send more cards, a number of banks have launched various rates below the tripartite companies to grab the merchants.
The role of the acquirer becomes clearer. In the future, only more services can obtain sufficient value. The tightness of the bank and the acquirer will rise linearly. On the basis of the same starting line, the value of the acquiring license will no longer be scarce. Resources, and the real test is the strength of the acquirer, the integration and cooperation capabilities of all parties, which will make the acquiring market a regional competitive landscape and accelerate the survival of the fittest.
Whoever has a low credit card fee will gain an advantage, and the problems that are placed in front of third-party payment companies or acquirers are:
When the arbitrage space is lost, the bank is in a fair starting line. It is one step behind itself. Because the bank itself is also the issuing bank. After the implementation of the new version of the fee on September 6, the most realistic thing is that the third-party payment companies bear the brunt of the banks. Impact, how to create value-added products? How to improve merchant services? How do third-party payment companies develop a new card processing fee plan?
According to the card god, the set arbitrage behavior that once appeared in the market seems to have returned to the market. There are already several positive low-key operations. It seems that the violations such as the code set are like a ghost. Over the market.
I don't know if the payment company sees the sad feeling of eggs here? Isn’t the regular merchants fighting the bank as before? In the past, it was possible to fight together with the set of codes, but now, according to this situation, the payment company has no ability to challenge the bank in the formal merchant market. Of course, if there is special service, it can only continue to target the informal. False merchants? However, the new fee has been cancelled and many industry categories have been eliminated. It is a bit difficult to implement the separation of borrowing and lending, and to meet the needs of false merchants at a low rate. After all, there is a day to eat.
The "Notice on Improving the Pricing Mechanism for Bank Cards and Fees" issued by the central bank is a fee change. For banks that assume the role of card issuers, it is a bit of a rhythm. It is necessary to know that the credit card itself has no fund-raising function. In order to obtain funds, banks must bear the capital occupation cost of the longest 56-day interest-free period, especially the bad debt risk and cash-out costs, and also bear huge marketing and operating costs. According to the current industry projections, credit cards only have a “fund cost + risk cost†of about 0.5%, and according to the latest fee allocation regulations, the issuing bank’s credit card only receives a handling fee of 0.45%, so it seems that the central bank has already The profit of the issuing bank has been squeezed to a minimum, and the bank will not close in the market competition anymore. Banks have now allowed bankruptcy, and the days of some regional banks are also very difficult.
Card God Summary: After the 96 fee reform, local banks and third-party payment companies will become competitors. The formalization of the bank card acquiring market is an inevitable trend. Each payment company should reform the business channels in advance, and the agents should Upgrade to service providers, don't just stay on the verbal service, should improve the channel's service standards, service processes and service policies to deal with the hard battles faced by formalized operations, and it is difficult for the paying companies to pay for water. lasting. Only when the service is done, don't just blindly compare the price. Chinese people are very smart, and smart people tend to use stupid ways to compete. Our entity is the best case. When three stores are opened together, they will give priority to the price of the other party, and the last three stores will close at the same time. The card-raising market is also a mess. Many unemployed people buy POS and do the card. The original 2% card-raising fee is reduced to 1%. According to the card god, the price of 0.8% is also fast. There are so many cases. . For consumers, should you choose a cheap one? Or choose a service provider with service promotion space? I hope this information will help my friends.
During the conversation with this friend, it was found that this friend did not seem to know that his machine had to pay this extra handling fee and management fee during the POS process, and the bank staff seemed to be intentionally or unintentionally. Did not mention the money.
At the same time, another reader said that some banks do require a public account for free POS machines, and the management fee and settlement card annual fee for this account is one or two thousand yuan. By the way, the annual fee for the settlement card is thousands. It needs to be paid every year. Such a complete free POS routine surfaced, in the name of a free POS machine, you are required to open a public account, and then deduct the management fee and the settlement card annual fee in a reasonable and reasonable manner, all of which are unknown to you. And in order to smug the free POS machine, the so-called contract was signed!
Through the above process, we know that there is always a squat in the back of the free. At present, there are many payment institutions or banks in the market that claim to be able to handle free POS machines. Of course, there are various other conditions attached to their free ones. Some of them are familiar with the slogan, they often use free slogans to attract attention. Actually, But behind the scenes are calculated a variety of savvy little abacus, in the market, free seems to have become a common situation, but sometimes we need to ask ourselves, you do not give money to others, why others serve you?
In this card, God wants to tell everyone that free of charge is often the most expensive, and must be accompanied by other charges. After all, if the POS machine buys one unit, there is not much cost, and it is 300-500 yuan.
You went to find an agent that was high enough to scare the dead to get the goods. After all, all the distillation was drained after a few months. Except for the socks that were ground out, the painstaking effort was all in vain.
You went to get a free pos machine to go home, and suddenly one day, I found out that the funds didn't arrive, and then I called the past when I heard the cold words: Sorry, the call you made has been down!
You go to the bar to eat, eating peanuts is free, but when you are thirsty, you find that a bottle of mineral water sells 20 yuan.
You have to travel for five hundred yuan to go on a five-day dinner tour. The result is towed to a souvenir street. If you don't pay enough protection fees, you won't go home. The vacation tour will transform into a folk life experience.
Everything has a price. If you pay the price first, you can choose the method and amount. After paying, you can only kill anyone. "The service is used, and you want to run? The knife is still stewed and you choose it yourself!" However, the evil of free is not only this, you will find that there are fewer and fewer good quality things. When consumers tend to be free, the competition for fees is free, or they are closed or they are free.
After the 96 fee reform in 2016, the bank directly participated in the acquiring market, and the payment company faced enormous challenges. After the 96 fee was changed, the bank’s service fee was capped by the government. As seen from the profit margin, only a larger volume can increase profits. A large amount means more money, so many banks have already directly participated in bank cards. In the single market, in order to absorb more deposit funds and send more cards, a number of banks have launched various rates below the tripartite companies to grab the merchants.
The role of the acquirer becomes clearer. In the future, only more services can obtain sufficient value. The tightness of the bank and the acquirer will rise linearly. On the basis of the same starting line, the value of the acquiring license will no longer be scarce. Resources, and the real test is the strength of the acquirer, the integration and cooperation capabilities of all parties, which will make the acquiring market a regional competitive landscape and accelerate the survival of the fittest.
Whoever has a low credit card fee will gain an advantage, and the problems that are placed in front of third-party payment companies or acquirers are:
When the arbitrage space is lost, the bank is in a fair starting line. It is one step behind itself. Because the bank itself is also the issuing bank. After the implementation of the new version of the fee on September 6, the most realistic thing is that the third-party payment companies bear the brunt of the banks. Impact, how to create value-added products? How to improve merchant services? How do third-party payment companies develop a new card processing fee plan?
According to the card god, the set arbitrage behavior that once appeared in the market seems to have returned to the market. There are already several positive low-key operations. It seems that the violations such as the code set are like a ghost. Over the market.
I don't know if the payment company sees the sad feeling of eggs here? Isn’t the regular merchants fighting the bank as before? In the past, it was possible to fight together with the set of codes, but now, according to this situation, the payment company has no ability to challenge the bank in the formal merchant market. Of course, if there is special service, it can only continue to target the informal. False merchants? However, the new fee has been cancelled and many industry categories have been eliminated. It is a bit difficult to implement the separation of borrowing and lending, and to meet the needs of false merchants at a low rate. After all, there is a day to eat.
The "Notice on Improving the Pricing Mechanism for Bank Cards and Fees" issued by the central bank is a fee change. For banks that assume the role of card issuers, it is a bit of a rhythm. It is necessary to know that the credit card itself has no fund-raising function. In order to obtain funds, banks must bear the capital occupation cost of the longest 56-day interest-free period, especially the bad debt risk and cash-out costs, and also bear huge marketing and operating costs. According to the current industry projections, credit cards only have a “fund cost + risk cost†of about 0.5%, and according to the latest fee allocation regulations, the issuing bank’s credit card only receives a handling fee of 0.45%, so it seems that the central bank has already The profit of the issuing bank has been squeezed to a minimum, and the bank will not close in the market competition anymore. Banks have now allowed bankruptcy, and the days of some regional banks are also very difficult.
Card God Summary: After the 96 fee reform, local banks and third-party payment companies will become competitors. The formalization of the bank card acquiring market is an inevitable trend. Each payment company should reform the business channels in advance, and the agents should Upgrade to service providers, don't just stay on the verbal service, should improve the channel's service standards, service processes and service policies to deal with the hard battles faced by formalized operations, and it is difficult for the paying companies to pay for water. lasting. Only when the service is done, don't just blindly compare the price. Chinese people are very smart, and smart people tend to use stupid ways to compete. Our entity is the best case. When three stores are opened together, they will give priority to the price of the other party, and the last three stores will close at the same time. The card-raising market is also a mess. Many unemployed people buy POS and do the card. The original 2% card-raising fee is reduced to 1%. According to the card god, the price of 0.8% is also fast. There are so many cases. . For consumers, should you choose a cheap one? Or choose a service provider with service promotion space? I hope this information will help my friends.
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