We know that on September 6, 2016, the National Development and Reform Commission and the central bank began to implement a new bank card credit card pricing mechanism, the industry called 9.6 fee reform. The credit card processing fee is not capped at 0.6%, and the savings card is capped at 0.5%-20 yuan. The separation of loans and loans is eliminated, and the merchant classification is cancelled.
However, the new regulations have been implemented for more than a year. We have found that the rate of third-party payment market has become more and more fierce. POS products with lower credit card fees than the national standard have emerged in an endless stream, 0.55, 0.5, 0.49, 0.45, 0.38, 0.3 or even lower. It’s not surprising. With such low rates, let us not talk about the payment company's operation and the profitability of its agents. The cost of the card-issuing service fee collected by the single bank to the acquiring institution and the settlement cost of the UnionPay network are difficult to maintain. So how does the payment company use its means to make profits at such a low rate?
The answer is: skip code, jump code, jump code.
Many people will ask, has the 96 fee reformed country not canceled the merchant classification pricing mechanism? How can I skip the code? That is because the concessionaires still exist and have a two-year grace period. Public hospitals and other public-sector merchants still exist, which provides a hotbed for hopping to make money.
So what are the consequences of skipping code? In addition to the payment company's earning through the hopping code, what effect does the hopping code have on our cardholders? I tell you, the impact can be big!
First: When you install your pos machine, it is said that it does not jump code. You obviously charge me the standard merchants, but the background gives me the technology to become a preferential class or even a public welfare merchant, and earn a difference from Zhongda. Hanging sheep head selling dog meat, consumption is seriously distorted.
Second: This should be the point benefit that the bank gave me because of the hopping code. Concession and public welfare merchants generally do not give points because of low bank profits or even zero profits.
Third: long-term use of low-rate hopping POS machine discount class and public welfare class merchant consumption, will be locked by the bank as a cash user, resulting in derating and sealing.
In fact, the use of POS machines can not only look at the rate, 96 fees after the revised rate is unified at 0.6% is a reasonable rate in balancing the costs and benefits of all parties. In addition to the rate, we should pay more attention to whether the product is qualified, whether it is hopping code, whether the merchant has points, whether the machine used is over-checked, etc., which is related to the security and durability of the card.
Product details
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