When we move from an industry to an unfamiliar industry, we are worried that we will suffer losses or detours. The POS machine agent belongs to the financial industry, so they will be more vigilant and cautious for those who have not been exposed to this industry. According to relevant reports from the industry, we will discuss the basic knowledge of POS machines.
1. What is a bank POS machine, a UnionPay POS machine, and a POS machine of a tripartite company?
A: In general, the POS machine can be handled for the majority of merchants who hold the business license of the People's Republic of China. There are now hundreds of payment companies holding payment business licenses.
The three-party payment company and the bank are all managed by China UnionPay. They are supervised and managed by China UnionPay. The three-party payment company and the bank are of a grade. UnionPay business is a subsidiary company directly under China UnionPay. The relatively large payment companies now have Alipay (mainly doing online payment), Lefu, Shengfutong, Tenpay (Tencent) Lacala, remittance world, Epro, quick money, and so on. The POS machine of the three parties is as safe as the bank. The three parties require a registered capital of 100 million yuan, and the merchants can choose to handle it at will. The biggest difference between the tripartite company and the bank is that the bank POS is mainly based on the deposit, and the five certificates need to be handled by the public. The tripartite company can handle the public or private, and some banks can’t do the right thing. Brush the credit card.
2. What is a public account and a personal account (private account)
A: The public account is generally for the company and the business unit in the middle. A public account is an account that can only be opened to a bank if it has a business license, a tax registration certificate, an organization code, etc. Simply put, the account is an account of the unit.
The public account is subject to the supervision of the tax bureau and involves tax payment. The personal account is an account opened by the individual in addition to the public account.
3. Conditions for banks and third parties to handle pos machines
A: The bank needs to provide the documents required for the POS machine: business license, tax registration, organization code, account opening permit, corporate identity card. (Requires a copy of the copy); At the same time, it is necessary to have certain requirements for the registered capital and monthly transaction amount of the enterprise, the unit is strict, and the processing time is long. Although the third party also needs the above documents, but there is a mitigation zone, and there is no strict requirement for the company's funds, as long as your customers need to swipe, you can apply for POS machine, the processing time is short, simple and fast, and at the same time Time is fast. The POS of the three-party company is generally T+1 to the account, that is, the second business day to the account, if necessary, can also open the function of the day.
4. About the withdrawal of accounts and account reconciliation
A: If the POS machine goes to the public account, the first time to arrive is slow, and the withdrawal can only be increased by 30% to 50%, because the bank has to keep the remaining part of the money to use the loan. Moreover, it must be supervised by the tax bureau, and the third party can withdraw it in full, and the time of arrival is fast. Can be paid to a personal account. On the reconciliation, the bank needs to provide a paper bill to the bank reconciliation, which is provided once a month, while the third party generally checks the account from time to time, with an online background program, which can check the Internet and monitor its sales records at any time.
5, security issues
Whether it is a bank or a third party, it is necessary to go through UnionPay before going to my account. UnionPay has relevant records and supervision, so there is no security concern.
6, pos machine plug in the telephone line and network cable, mobile POS machine.
A: The speed of plugging in the phone line is slower than the speed of the network cable. If you are dealing with a telephone line, you should pay attention to whether the phone line is a local call or a long distance, because each time you swipe the card, it is equivalent to dialing once. Long distance will waste you. A lot of money. The network cable must also ensure that the network is online. As the name suggests, a mobile POS machine is a POS machine with a wireless access network for the battery. As long as there is a mobile phone network, the card can be swiped. Without geographical restrictions, wireless pos also requires traffic, which is generally a pack year, which is cheaper than a telephone POS machine in one month. And it works.
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