With the increasing number of credit card users, many merchants have installed POS machines for collections in order to collect money. Even the personal pos machine has become a standard for many credit card people. Many merchants have also poured in this market, which has led to the current POS machine market chaos, fish, and even many people have suffered economic losses. Today, Xiaobian will tell you about the true and false culprit of the POS machine market - one machine and two machines.
concept
A clearing refers to “one-time liquidationâ€, which means that the consumer's payment funds are directly sent to the account bound by the merchant through UnionPay (or a third-party payment platform), without going through the accounts of other third parties. A clearing machine between the consumer and the merchant, only one UnionPay or a third-party payment platform with a payment license to participate in liquidation, all funds flow is clear and easy to check, so the funds are safer.
Second Qing refers to “secondary liquidationâ€, which means that after the payment funds of the consumers are settled through UnionPay (or a third-party payment platform), the funds flow to a third party (any company or individual may), and then After the three parties operate their own operations, they will transfer the funds to the account bound by the merchant. Due to manual intervention in the liquidation process, funds have certain security risks. For example, if this third-party volume runs, you may cause irreparable losses.
Clearing process
A cleaning machine:
Consumer credit card (payment) - → UnionPay (or licensed third-party payment platform) - → Collection account (to account)
Second cleaning machine:
Consumer credit card (payment) - → UnionPay (or licensed third-party payment platform) - → third-party account - → collection account (to account)
How to distinguish
After the above introduction, we have a clear understanding of the existence of certain risks in the second cleaning machine, then how should we identify whether a pos machine is a clear machine or a second machine?
1. You can log in to the official website of the People's Bank of China to find out if the issuing company of this pos machine has obtained a payment license. The basics for not paying the license are basically two. Method of inquiry: People's Bank (Home) - (Left-Chinese) Administrative Approval Public Notice - Licensed Organization (Payment Agency)
2, to see if there is an independent official query background, a clear machine has an independent background query system, can support real-time query transaction details, if there is no independent background must be two clear machine.
3, see the account time, generally a clearing machine settlement method is T+1 way of closing, that is to say the next day on time to check out (of course, some of the cleaning companies will also advance their own payment to achieve the same day), and Some of the two clearing machines in order to attract customers, hit the temptation of real-time checkout, but some have been delayed.
4. Check the cashier from the collection account, log in to the online banking background of the collection account or go to the bank counter to check the receipt details. If the party is a third-party payment platform that pays the license, then it is a clearing machine. The paying party is a personal or general company that is the second cleaning machine.
Due to the chaotic development of the market, even some merchants have launched the Sanqing and Siqing machines. All Xiaobian remind everyone that the machine is risky and the application should be cautious. If you need to apply for a pos machine, please apply through formal channels.
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