How to apply for a personal card pos machine

Do you know what kind of process it is for personal POS machine processing?

First of all, it is necessary to apply in advance for personal POS machine processing, but before handling personal POS machine, you must pay attention to it, and you must be clear whether you are using it for personal card maintenance or the merchant to apply for POS machine. The handling of these two types of personal POS machines is not the same.

Do you know what kind of process it is for personal POS machine processing? Let's take a look.

The so-called formal does not refer to the large scale and good decoration, but refers to the third-party service agency authorized by the central bank. These institutions include some commercial banks, such as China Construction Bank, Industrial and Commercial Bank of China, and China Construction Bank, and other banks have personal POS machines to handle business.

However, what do you need to bring with you for a personal POS machine?

First of all, a personal ID card is indispensable, and secondly, there is the original copy of your business license and tax registration certificate, etc. If you don't have a company, you don't need to pay taxes, and of course you don't need to take these things. Your settlement account, that is, the bank's debit card, should be carried with it, not that your information is complete and you can handle it at the bank's personal POS machine.

The bank will review your credit report to see if your credit is qualified and whether it meets the requirements of personal POS machine processing.

If you have some credit that does not meet the requirements, such as borrowing from the bank and not repaying the loan, etc., it will affect your credit. The review of personal POS machines is still very strict, and the bank will also send special personnel to the door to review. Therefore, it is important to be fully prepared before proceeding with the personal POS machine processing.

Not only is the information complete, it is best to have a general understanding of whether your credit is enough to apply for the qualification of personal POS machine.

In addition to the process, it is important to remember the security and the rate when handling the personal POS machine.

Regarding security: you can first ask the other party whether it is a clear machine, check the corresponding payment license, you can refer to this article: list of third-party payment licenses, or go to the People's Bank of China network for inquiries.

Remember that there must be a payment license is a regular machine, for some people who want to covet low rates and choose some friends who want to choose some two clear machines, or advise, be careful, don't let yourself regret it!

About the rate: Now the personal credit card rate on the market is the normal rate, and the rate below the rate is 100% problematic for the merchant, so you can check whether the merchant information is accurate and whether there is a code hopping after using the POS machine to swipe the card.

Finally, I would like to remind you that you must be cautious when handling POS machines!

Legal analysis: Individuals can apply directly to the bank for POS machines, but other channels can also be handled, but it must be paid attention to its formality. When you apply for a POS machine in the bank, you need to fill out the application form, and submit some personal information at the same time, and the company needs to submit a business license, etc., and you can get the POS machine after passing the review.

When handling POS machines, the rates of POS machines in different industries are different, such as the card handling fee of department stores and supermarkets.

Legal basis: Law of the People's Republic of China on Commercial Banks Article 31 Commercial banks shall determine deposit interest rates in accordance with the upper and lower limits of deposit interest rates stipulated by the People's Bank of China and make public announcements.

Materials required for personal POS machines:

1. The third-party remittance payment only needs to provide a copy of the ID card and the bank card in the account.

2. UnionPay POS machine refers to the POS machine that settles accounts transferred by third-party payment companies through UnionPay. In fact, except for ICBC, which has its own channel, other banks use third-party POS machines. Most of them work with third-party companies.

3. Now the better third-party platforms include Lefu UBS Credit and other Yiqing platforms, as long as the payment company has a payment license issued by the state, it can ensure the safe arrival of funds.

Summary. Hello, personal POS machine maintenance card is legal and not illegal. It is not illegal for individuals to handle POS machines, because the "Bank Card Acquiring Business Management Law" officially issued by the central bank relaxes the qualifications for individual industrial and commercial households to accept credit cards.

Except for some banks, most banks have accepted the application for credit card acceptance qualification for individual individuals with personal settlement accounts. Individual banks still have not fully liberalized. The staff of China Merchants Bank said that only self-employed individuals in the professional wholesale market or self-employed individuals close to the wholesale market and whose business license indicates that they are wholesale can open a personal account to accept credit cards, and if it is a corporate account, there is no problem.

Where state provisions are violated by using methods such as point-of-sale terminals (POS machines) to directly pay cash to credit card holders by means such as fictitious transactions, false openings**, cash returns, etc., and the circumstances are serious, it shall be convicted and punished as the crime of illegal business operations in accordance with the provisions of Criminal Law article 225.

Hello, personal POS machine maintenance card is legal and not illegal. It is not illegal for individuals to handle POS machines, because the "Bank Card Acquiring Business Management Law" officially issued by the central bank relaxes the qualifications for individual industrial and commercial households to accept credit cards. Except for some banks that still have restrictions, most of the banks have accepted the credit card acceptance qualification application of self-employed individuals with personal settlement accounts as acquiring.

Individual banks still have not fully liberalized. The staff of China Merchants Bank said that only self-employed individuals in the professional wholesale market or self-employed individuals close to the wholesale market and whose business license indicates that they are wholesale can open a personal account to accept credit cards, and if they apply for the establishment of a corporate account, there is no problem. Where state provisions are violated by using methods such as point-of-sale terminals (POS machines) to directly pay cash to credit card holders by means such as fictitious transactions, false openings**, cash returns, etc., and the circumstances are serious, it shall be convicted and punished as the crime of illegal business operations in accordance with the provisions of Criminal Law article 225.

Legal basis: "Interpretation on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Obstructing Credit Card Management" Article 12: Where state provisions are violated by using methods such as point-of-sale terminals (POS machines) to directly pay cash to credit card holders through methods such as fictitious transactions, false openings, or cash returns, and the circumstances are serious, it shall be convicted and punished as the crime of illegal business operations on the basis of article 225 of the Criminal Law. Where the conduct in the preceding paragraph is carried out in an amount of 1,000,000 RMB or more, or causes the financial institution's funds to be 200,000 RMB or more overdue, or causes the financial institution's economic losses of 100,000 RMB or more, it shall be found to be a "serious circumstance" as provided for in Criminal Law article 225; If the amount is more than 500,000 yuan, it may cause the financial institution's funds to be overdue for more than 1,000,000 yuan, or cause economic losses to the financial institution.

Hello before applying for a POS machine to determine the use of their own POS application, the POS machine used by the merchant to collect money and the POS machine application used by the personal card is not the same, first to introduce the POS application process for the merchant, if the applicant is a business operator with a formal business license, you can directly take the applicant's identity documents and business license, go to the local bank business hall for the POS machine. Information required to apply for a POS machine:1

A copy of the original business license and a copy of the original tax registration certificate; 2.A copy of the copy of the business license, a copy of the copy of the tax registration certificate; 3.A copy of the applicant's identity card; 4.

A copy of the bank's corporate account opening permit; 5.If there is a physical store or workplace, several workplace ** sheets are required.

Rates for bank POS machines:

1.Deduction is based on the percentage of trading volume, and the deduction rate varies according to different industries, 1% for general industries and 2% for special industries (such as hotels, hotels, jewelry, handicrafts, etc.).

2.For bulk transactions and wholesale transactions, the deduction rate is capped, generally at 20 yuan or 50 yuan for a single transaction. The handling fee is to be borne by the merchant and deducted when UnionPay clears the funds.

70% of the revenue is obtained by the issuing bank, 10% is the fixed part of the income, and the rest is the income of the acquiring bank or acquiring company. Any other chargeback rates, such as or so on, are due to the waiver of part of the revenue by the acquiring bank.

Individuals who apply for POS machines can go to the third-party payment service institutions that are formally credited by the central bank to apply for processing, and they need to be cautious about online and private advertisements related to POS machines. It is necessary to pay attention to the trap of online application for POS: you must use a regular clearing machine, although the rate of a clearing machine is higher than that of the second clearing machine, but the security of the second clearing machine is not guaranteed, and the long-term use of the second clearing machine will affect the safety of your funds, and even the credit card will be reduced by the bank to block the card.

1. Look at the payment license, it must be a clear machine.

At present, the POS machine is divided into a cleaning machine and a second cleaning machine. The main difference is in the credit card settlement link, after the clearing machine initiates the clearing with UnionPay, the bank directly settles the payment to the merchant account (collection account); The second clear is a lot of "two clear" companies without a payment license POS machine, these are borrowed from the payment channel of a clear company, these "two clear" companies will run away at any time or in the supervision and suspend or ban, there is a very big hidden danger in the security of funds. The second cleaning machine is absolutely unusable.

Therefore, to handle the POS machine, you must choose a regular central bank to clear the machine, check the payment license, and only the payment company issued by the central bank can engage in payment business.

2. See if the credit card rate is in line with the **, don't covet the low rate, since the fee has been changed, now the normal ** is about the same, the low rate seems to take advantage, and the card will definitely skip the code, which will cause the consequences of credit card reduction and card blocking, and the gains outweigh the losses. Everyone knows that the wool always comes out of the sheep, so from the perspective of card raising, it is recommended that you do not use a machine with a lower rate, which is not conducive to credit card withdrawal. There's no such thing as a free lunch!

You can't blindly pursue low rates without considering the consequences.

3. See if there are local merchants, and jump the code randomly after swiping the card.

If the cardholder has a number of consecutive transactions in a short period of time, and the system gives your merchant a will be in Guangzhou, Shanghai, and Xi'an, it will inevitably trigger the bank's risk control system, in order to prevent risks, the bank will take the freeze or seal the card.

4. After-sales service.

Many people handle POS machines, only pay attention to whether the rate is low enough, but the after-sales service is ignored and clean, POS machine is not a one-time transaction, in the process of use, more or less will encounter a lot of incurable diseases, the most serious is improper card swiping or other reasons, resulting in the transaction funds are UnionPay risk control, funds are frozen must find the superior service provider, by the superior service provider submitted to the acquirer for unfreezing processing, the official customer service can only solve some query problems, can not solve the written problem, Therefore, it is particularly important to find a reliable POS after-sales service, after all, the money is your own.

The bank credit card machine is not open to individuals, and the merchant or company needs to prepare all the required information to fill in the application form at the bank branch and wait for the review result.

The POS machine of the third-party payment company is the same as the bank, but individuals, merchants, and enterprises can apply for it, and the review information is not as strict as the bank.

Normally, as long as we have an ID card and a bank card, we can apply for a credit card.

Many friends swipe the card is to raise the card, now the consumption is getting larger and larger, in order to be able to improve the consumption capacity, cardholders will try their best to increase their credit card limit, with the POS machine is one of the safe and fast ways to raise the amount, fast money brush POS machine is a stable performance, the card does not jump the merchant does not hurt the card payment terminal, the card rate is recognized as the standard rate, holding a third-party payment license.

Fast money is a smart POS machine developed by Fast Money Payment Company, which supports iOS and Adroid device connection, and has a variety of payment methods such as UnionPay flash payment, NFC, card swiping, card insertion, etc., and the card pen is with points, and it arrives at the account quickly. And the biggest advantage of the fast money brush POS machine is that it has the most high-end and cleanest merchant pool in the country, and the merchants who match the user card are all real-name registered entity merchants under Wanda Group, one machine and one code, and the transactions are open and verifiable.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.