What is the rate of POS machine in general?

1. Traditional POS machine

The card transaction fee of traditional POS machines can be divided into three main categories:

1.Standard handling fee: The standard handling fee is credit card swiping, savings card swiping, up to a maximum of 20.

3.Reduction and exemption of handling fees: There is no handling fee for credit card consumption in public hospitals, schools and other places.

Second, the intelligent POS machine

The card transaction fee of the smart POS machine and the traditional POS machine is the same, both are. It's just that the smart POS machine can also pay through ***, and if you collect money through ***, the handling fee is generally.

3. Mobile phone POS machine

The mobile phone POS machine is actually connected to the POS machine through the mobile phone Bluetooth to swipe the card for consumption. The card handling fee of the mobile phone POS machine is generally: yuan or yuan.

Fourth, the electronic signature version of the POS machine

The electronic version of the pos machine and the smart machine are actually the same, but the electronic version of the pos machine merchant is automatically matched, the smart machine is a fixed merchant, the rates are all, and the scan code payment is.

The lowest rate for POS processing.

The lowest rate of the credit card machine is the zero rate of the public welfare class, which is the standard class, and the third is the discounted one.

UnionPay mobile machine, safe and convenient, contact.

Mobile either? Convenient and fast, contact.

Generally, the rate of POS machines is around. That is to say, if you brush 10,000 yuan, you will deduct 55 yuan from Sun Collapse and give him a handling fee. However, if the amount is small, you can use QuickPass.

This rate is a little lower. But if you have the most shirts, you can only swipe 1,000 yuan once.

Standard Class 2Preferential category 3Public welfare.

After the 96 fee reform, many payment companies have raised their rates above the rate.

Personal credit card machines.

The rate plus 2 yuan (the second arrival fee added by different brands is different): 10,000 * yuan rate flash payment within 1,000 yuan: 10,000 * yuan.

The merchant machine rate does not add 2 yuan: 10,000 * yuan.

The rate is less than 1,000 yuan: 10,000 yuan.

Generally, there are conditions for sending POS machines, such as how much deposit to swipe, or how much to swipe for the first time. These people generally have credit cards, and those who have taken POS will generally raise their own cards and use them.

1. Must be compliant and have an acquiring license.

There are only 61 payment institutions with acquiring licenses, of which 34 have nationwide acquiring qualifications and 27 have regional acquiring qualifications.

2. Choose a clear machine.

The consumer's payment funds are directly transferred to the merchant's bound account through UnionPay (or a third-party payment platform), and there is no other account in the middle, and there is its own independent background and official background. A clear machine is a payment license issued by the central bank, which can be queried on the official website of the central bank. The method of checking whether the payment institution is a regular clearing machine is as follows:

Step 1: Determine the name of the main company of the POS machine. Step 2:

The homepage of the official website of the People's Bank of China (central bank). Step 3: Click on the Open Government Affairs Directory.

Step 4: Click on the administrative approval publicity. Step 5:

Licensed for Payment (Payment Institution). Step 6: Inquire and browse each payment institution.

It is recommended to choose a regular, powerful and reliable payment company when handling 8 years.

Oh brush regular a clear machine 100% do not jump code are local merchants card artifact.

After that, the bank divides the rate into 3 types.

The standard class (i.e., the most commonly used): the rate.

Preferential category: The issuing bank charges, so the handling fee for the reduction category is generally.

Public Welfare (Reduction and Exemption) Special Category: 0 rate for public welfare.

If the card is a standard MCC, swiping the card is 10,000 yuan, and the actual handling fee you pay is 60 yuan, and the bank gets about 45 yuan, which far exceeds the bank's capital cost, and the contribution to the bank is high, and the amount is raised quickly.

If you swipe the preferential MCC, swipe the card 10,000 yuan, you actually pay a handling fee of 60 yuan, the bank gets about 20 yuan, this part is barely enough for the bank's capital cost, and it basically does not contribute to the bank, so some banks will basically not give the amount, and some banks will not give points. The money that the intermediary bank did not get was earned by the payment company, and an extra 25 yuan was earned.

If the card is a public welfare class (reduction class) special class MCC, swipe the card 10,000 yuan, you actually pay a handling fee of 60 yuan, the bank gets 0 yuan, this part of the suspicion is far more than the bank's cost of funds, the contribution to the bank is 0, the derating is very fast, the bank did not get 45 yuan all been earned by the payment company, you are worried about people's eggs, people are worried about your chickens.

If you see a pos machine with a rate of left and right, it must be a set of deductions or 0 rates. The payment company must ensure that the rate is around in order to maintain its own operation, and other handling fees must be given to the first merchant to expand the market. Therefore, the standard fee is definitely the most reasonable.

Code hopping is harmful, let's be specific.

If you brush up on preferential merchants, it will lead to the loss of points (10,000 points are worth about 10 yuan to 20 yuan, and the value of mileage splitting friends is 40 yuan, and there will be about 3,000 yuan of points in a year, which will have different degrees of negative impact on the fixed amount and loans according to the bank branches.)

If it is swiped to a public welfare merchant, in addition to causing a loss of points, it will have a huge negative impact on the fixed amount, which will lead to a reduction in the amount of the card and become a risky customer of the bank.

Generally speaking, it is divided into capping machine and rate machine.

The capping machine mainly includes, which refers to the handling fee, which is generally suitable for merchants with a large amount, such as 35 capping machine refers to the handling fee of no more than 30 or 1%) rate, and the handling fee exceeds 35, according to the amount of 35. If a single card is 1000, the handling fee is RMB; 5000 for a single card swipe, 30 handling fee; A single swipe is 50,000, and the handling fee is also 35.

The rate machine mainly includes, 1%, which is to charge a handling fee according to the flow of money, which is suitable for merchants with a small amount.

For example, if you use a total of 10,000 cards on the machine a month, the handling fee is 50.

There are 4 kinds of mainstream rates for POS machines25%, capped rate. The first three rates here are not capped. Here are the POS rates for the main merchants:

2. Pharmacies, small supermarkets, wholesale departments, specialty stores, clinics and other merchants with low POS card consumption are generally deducted from the consumption amount.

3. Hotels, catering, entertainment, jewelry, and arts and crafts stores generally deduct the consumption amount.

4. The general deduction rate of real estate and automobile sales merchants is a fixed handling fee, which is deducted according to the number of POS consumption card swipes, or the handling fee is capped at RMB.

5. The factory deduction rate of large-scale wholesale, first-class merchants, and production and processing enterprises is the upper limit of the handling fee.

6. 0% for public welfare.

POS (Pointofsale) is a multi-functional terminal, which is installed in the special merchants and acceptance outlets of the credit card and connected with the computer to form a network, which can realize the automatic transfer of electronic funds, it has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, etc., and is safe, fast and reliable to use.