With the popularity of bank cards, credit card consumption has become a common consumption method for the masses. More and more businesses have the need to apply for bank card merchants and install credit card POS machines. As long as the merchants are legally registered in the local area, have a fixed business place, have the ability to continue to operate, and can provide relevant application materials, they can apply to the bank to become a bank card merchant.
You don't need it, you only need one Hui POS 2
The box pays the latest generation of mobile payment products. POS 2 (S302) 2017 version is grandly listed. This product has won the German iF 2017 design award POS 2 = payment + marketing + fans + public number + membership card + coupon + stored value card + points + ... can meet most of the needs of various industries and solve most of the pain points of different businesses. What are the benefits of handling POS machines? Here is the box payment to introduce you: the benefits of using POS
⊙ pos machine application to enhance corporate image: Merchants who accept bank cards mean that the acquiring bank, the bank card organization's credit recognition, reflects the merchant's grade.
⊙ Expanding sales: Banks can increase the cardholders’ interest-free period and overdraft limit. Swipe consumption has become fashionable, which can stimulate consumption and expand sales.
⊙ Timely account: The settlement service is provided by the bank. The general sales situation can be accounted for next day, which reduces the financial intensity of the chamber of commerce and improves the efficiency of financial work.
⊙ Reduce costs and risks: avoid the receipt and payment of large amounts of cash, transportation and storage, and avoid cashiers. No need to prepare a lot of change and find payment. Reduce the cost and risk of cash collection and storage.
⊙ Easy to sell management: POS machines can print the current day's trading flow and details, and then grasp the transaction details of the merchants on the same day and in the past. For so many benefits, is it already impatient? Don't worry, there are a lot of criminals in the society who are using the blind mentality of the business to steal the interests of the business through illegal means.
So how to handle a formal security POS machine is the most important thing:
Regular POS machine guide
⊙ Choose a formal payment company brand.
The box payment has a formal payment license and is issued a membership card of the China Payment and Clearing Association. It is a full member of the China UnionPay and a member of the joint meeting. It has a full range of three-dimensional security measures and risk control system to ensure the security of funds.
⊙ Choose a payment experience and a good service brand.
At the same time, the box payment adopts industry-leading technological innovation means, integrates various problems encountered in the user payment process and solves them, so that the box payment can quickly respond to problems in products and operations during development, and bring them to users. A variety of payment options, a safe and worry-free payment experience. ⊙ Choose a deep-rooted company that develops genetically sound payment companies. The box has been paid for many years in the deep-growing industry, with a large scale of business and a mature security system. In the future, the payment industry may face further reshuffles. The box payment Huineng POS machine establishes the core competitiveness by upgrading the product and operation mode, strengthens the service system by strengthening the service system, and creates the reputation of the enterprise with high-quality user experience, truly making the user's heart go, and truly becoming a trusted third-party payment brand.
First, look at the security from the settlement channel
1. The bank's POS and box payment POS have a big leader: the People's Bank of China.
2. Box payment and all third-party payments have a payment license issued by the central bank or authorized to operate the payment business and are subject to supervision and payment.
3. All directly go through the UnionPay channel settlement.
I believe everyone sees it here. In fact, whether it is a bank or a box payment is safe, and it is all settled by the UnionPay channel, so there is no bank POS machine to account than the box payment POS machine.
Second, look at the service from the profit point of bank and box payment
1. As we all know, the bank's main source of profit is loans. The POS machine's loan income relative to the bank is simply a slap in the face. The real purpose of the bank to handle the POS machine is to pull the deposit, which means that the card must be the bank's savings card after the customer swipes the card. This is why the POS machines of which banks must be used to bind their bank cards.
2. The main profit paid by the box is a small part of the credit card processing fee, which is the distribution in the line.
This is why the service of the box payment is more thoughtful than the bank, because the machine is not used, the box payment has no profit. And the bank's POS machine has already done your bank card. In non-special circumstances, the bound bank card customer will use it. So the cooperation with the box payment service has just begun!
Third, look at efficiency from the time of approval
1. We all know that all the affairs of the bank need to be approved at different levels. Every day, nine to five, one hour, one shift, and other holidays on Saturday and Sunday are basically only on duty, so the approval time is too long. I have heard a customer say that the POS machine from ICBC has not been down for a month, and then the installation was successful on the day of the box payment.
2. The box payment company UnionPay directly cooperates to submit information to the headquarters through the background, as soon as the second batch, and the personnel handle the door-to-door installation, install it on site, and install it immediately.
3. Box payment can provide MPOS (mobile phone card reader), you can carry it with you, as long as the phone has a signal, you want to brush it, do whatever you want! Not subject to geographical restrictions.
Fourth, the difference in information required for the application
1. The bank needs a business license, a legal person ID card, and a savings card for the bank to handle the POS. If the company still needs an organization code certificate, a bank account opening permit, and a tax registration certificate. And I need to go to the bank to fill out various forms and deduct the official seal.
2. The box payment POS machine can be handled by individual enterprises, the procedure is simple and fast!
Five, POS machine rate difference
1. Since the September 6th fee change, the bank’s POS card rate has no advantage.
2. The box payment processing POS will have more profit points to help the merchants to offset the processing fee of the card, so that the merchants are no longer worried about the rate.
Six, POS machine for box payment is more professional
1. Handling POS machine box payment is more professional, look at the situation of the bank POS machine reflected by the customer below:
1 Phenomenon: Individual banks only deal with merchants with large transactions, banks can pull large deposits, and small merchants simply don’t want you.
2 Phenomenon: When consulting the bank personnel, they will retrieve the information and then answer you. Secret: Bank personnel basically outsource POS maintenance to service companies. You can think about service efficiency if your machine has problems.
3 phenomenon: When you go to the bank to consult the POS machine, they will let you leave the phone to call you back later or give you a call to let you contact the person.
2. The advantage of box payment
1 Independent merchant back-end: You can check the transaction records at any time, so that you can check the management accounts. There are other quick query methods: such as box payment box APP, real-time transaction reminder, online merchant service, etc.
2 The latest models: update and follow the trend of the times, electronic signatures, WeChat payment, Alipay support, flash payment and other functions are more and more, the volume is getting smaller and smaller.
3 Smart management analyzes customer consumption big data, making store marketing more accurate and more efficient.
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