Obviously in KTV, bars, restaurants and other casinos, the consumption list shows "xx large supermarkets"; spend multiple times in the same place, brush a small amount of points, brush a large amount of no points ... will you often encounter This kind of problem and this is exactly what the POS machine is doing, what is hidden in the pos machine, even let the credit card derating, sealing the card...
First, let's popularize the POS rate.
According to the industry classification, the new charging standards for bank card credit card are mainly divided into four categories: catering and entertainment, general, people's livelihood and public welfare. The highest fee for catering and entertainment is 1.25%; general merchants such as department stores The rate is 0.78%; the handling rate for supermarkets and gas stations is 0.38%; for public welfare such as hospitals and education, the rate is zero. Among them, the general merchants also have subdivisions, such as the real estate industry 80 yuan cap, the business scope with a wholesale word of 26 yuan cap, county and township preferential merchants 10 yuan cap and so on. Wholesale, capped often no points.
Secondly, there is a problem with the beginning of the article, which is related to the set code, code hopping and cutting code of the POS machine.
1. What is the set code?
The so-called set code is the low-cost POS machine that merchants can use to save the handling fee. For example, if you swipe your card in KTV, you will charge a merchant 1.25 fee, but if the merchant handles a machine with a rate lower than 1.25, he will save some fees. This is why you obviously spend on KTV, but the bank customer service inquiry means that you are shopping at the supermarket.
2, what is the code hopping
The problem is usually with third-party payments. The third party gives the merchant a clear 1.25 KTV pos machine, and the handling fee is also deducted according to 1.25, but if your amount reaches a certain limit (around 7000, each third party setting is different), the transaction becomes The 0.38 rate or the capping rate, and the middle fee is paid by the third party.
This type of POS machine has no problem with a small amount of money, which is why some POS machines have small points for brushing and no points for brushing large amounts.
3. What is the cutting code?
The so-called "cutting machine" is similar to the "brushing machine" of mobile phones. Generally, it is free to reduce the deduction rate as a bait, persuading merchants to upgrade the POS program, and then secretly uninstalling or destroying the original program of the competitor and replacing it with their own software. Make it your own customer in minutes. From the appearance point of view, there is no change in the POS machine, but in fact, the fund clearing path has been changed, and the fee for the fee is changed. The merchant’s “upgrade†of the Trojan horse style is often in the dark. know.
Finally, what are the consequences of POS machine set code, skip code, and code cutting?
1. For card friends, it often leads to small points with points, large amounts without points, or very few banks with points, and even credit cards are subject to risk control, derating, and sealing;
2. For merchants, it is easy to be sealed and the funds are frozen to get no money;
3. For banks, they can't make money and strictly investigate violations;
4. For the agent, the customer is sealed, the penalty is low, the compensation is violated, and so on.
First, let's popularize the POS rate.
According to the industry classification, the new charging standards for bank card credit card are mainly divided into four categories: catering and entertainment, general, people's livelihood and public welfare. The highest fee for catering and entertainment is 1.25%; general merchants such as department stores The rate is 0.78%; the handling rate for supermarkets and gas stations is 0.38%; for public welfare such as hospitals and education, the rate is zero. Among them, the general merchants also have subdivisions, such as the real estate industry 80 yuan cap, the business scope with a wholesale word of 26 yuan cap, county and township preferential merchants 10 yuan cap and so on. Wholesale, capped often no points.
Secondly, there is a problem with the beginning of the article, which is related to the set code, code hopping and cutting code of the POS machine.
1. What is the set code?
The so-called set code is the low-cost POS machine that merchants can use to save the handling fee. For example, if you swipe your card in KTV, you will charge a merchant 1.25 fee, but if the merchant handles a machine with a rate lower than 1.25, he will save some fees. This is why you obviously spend on KTV, but the bank customer service inquiry means that you are shopping at the supermarket.
2, what is the code hopping
The problem is usually with third-party payments. The third party gives the merchant a clear 1.25 KTV pos machine, and the handling fee is also deducted according to 1.25, but if your amount reaches a certain limit (around 7000, each third party setting is different), the transaction becomes The 0.38 rate or the capping rate, and the middle fee is paid by the third party.
This type of POS machine has no problem with a small amount of money, which is why some POS machines have small points for brushing and no points for brushing large amounts.
3. What is the cutting code?
The so-called "cutting machine" is similar to the "brushing machine" of mobile phones. Generally, it is free to reduce the deduction rate as a bait, persuading merchants to upgrade the POS program, and then secretly uninstalling or destroying the original program of the competitor and replacing it with their own software. Make it your own customer in minutes. From the appearance point of view, there is no change in the POS machine, but in fact, the fund clearing path has been changed, and the fee for the fee is changed. The merchant’s “upgrade†of the Trojan horse style is often in the dark. know.
Finally, what are the consequences of POS machine set code, skip code, and code cutting?
1. For card friends, it often leads to small points with points, large amounts without points, or very few banks with points, and even credit cards are subject to risk control, derating, and sealing;
2. For merchants, it is easy to be sealed and the funds are frozen to get no money;
3. For banks, they can't make money and strictly investigate violations;
4. For the agent, the customer is sealed, the penalty is low, the compensation is violated, and so on.
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