What are the brands of card not present payment now 10

After reading the kind question of the landlord, I replied simply, I hope it will be useful to you. Due to the fee reform, the rate of hand brush and POS has skyrocketed, and major payment companies have become service providers of WeChat Alipay, and they have built a set of cardless payment platforms to connect to the online payment channel of WeChat Alipay. Bypass UnionPay and form a QR code payment product.

Obvious advantages: low rate, low cost (electronic code card), T1 through Alipay WeChat out of the cost rate is basically around, D0 advance fee plus 10,000 or so, maintained in, market rate pricing at: T1, D0 or so.

If the funds are paid through UnionPay, there is also a payment of about 1 yuan. The disadvantages are also obvious: mixed fish and dragons (channel transfer two clear), low limit, the current WeChat single transaction of 3000, no benefit to the card (the bank has no money to make).

A better app, in addition to scanning the code, the UnionPay shortcut function is quite important, a single transaction of about 20,000, the rate is about seconds, much more powerful than the experience of scanning the code, the reason will not be repeated, can meet the needs of users in the market for large transactions. (There are also such apps on the market, such as: Linkage Pay, PAL, etc., with UnionPay Express).

Speaking of fund security, online scanning code is more complex than offline POS technology, and there are many processes: WeChat Alipay channel, payment company (third party), D0 advance party, cardless technology company builder (fourth party) Cardless products need 4 parties to participate in cooperation, which is indeed very complicated, for users, there is a simple way to distinguish whether it is safe or not: look at the flow of funds, D0 funds are directly advanced by the bank, and the arrival is stable and secure; Next see the account:

For example, UnionPay payment, a certain bank directly pays, which is relatively safer. Everything else is floating clouds!

Even if you tell the truth, many friends in the industry don't like it, and for the safety of users, they are offended!

Don't use the informal one, I've been using the fun brush for more than two years, all of them are regular merchant consumption, there are points, no machine, I personally feel better than the machine.

The more mature one in China is Ping An Yifu.

There are no more than five companies in China that have their own technology for cardless payment, and 95% of the software on the market is OEM.

Choose the machine must choose the products of the regular payment company, if you encounter the second machine or the illegal modification of the machine is very troublesome, in fact, the machine is very troublesome to use, you can try the cardless payment of the fun brush, you can brush the card without the machine, I have been using the fun brush, almost two years, there has been no problem.

A lot, but the license to do relatively little, the licensed or to do the machine, generally a separate company to operate, I use my own fun brush is Jialian their company's bar, should be independent out of their own brand, fun brush is better than the machine is convenient, seconds to, low cost.

There are two kinds of cardless payment, one is Yan card, and the other is used by merchants for cardless payment app cashier, if you can do OEM technical service providers such as cloud acquiring, pony, collection bar, ping, etc., for reference only!

Aggregate payment refers to a comprehensive payment solution that uses technology and service integration capabilities to aggregate a variety of payment tools, such as Alipay, WeChat Pay, Apple Pay and bank cards, to provide merchants with one-point access.

Aggregate payment is between commercial banks, third-party payment institutions and merchants, which can not only effectively reduce the technical costs and financial reconciliation costs of merchants, but also provide consumers with diversified payment solutions, improve consumers' payment experience, and promote the continuous improvement of the payment service environment.

At present, the better brands are as follows: (by region) Beijing: Lakala.

Shanghai: Fast money.

Xiamen: Rongyi wallet.

Shenzhen: Le Brush.

Hope this answer helps.

Card-not-present payment refers to the transfer of acceptable monetary claims to the payee without the need for a physical card to be read by the acceptance device (ATM, POS, etc.) without the need for the payer to use the Internet, mobile Internet, wireless LAN and other channels. Alipay's "Quick Payment" and China UnionPay's "** Payment" are both cardless payment methods.

There is no need to open online banking, and the payment verification elements are used in combination with UnionPay security authentication to allow cardholders to complete the payment method of Internet payment.

China UnionPay Co., Ltd. uses advanced information technology and modern company management mechanism to establish and operate a national bank card inter-bank information exchange network, realize the nationwide networking of bank cards, promote the rapid development of China's bank card industry, and achieve the goal of "one card in hand, all over China" and even "all over the world".

The transaction limit is RMB 20,000 for a single card and RMB 50,000 for a single card (Note: The transaction limit of a single merchant can be appropriately adjusted according to the actual needs of the merchant and in combination with the risk control measures).

<> "There are a variety of payment methods for card-not-present payment, including PC payment, mobile payment, and other special payment services. For example, the business system of Zhipay is as follows:

PC payment: online banking payment, fast payment, point card payment.

Mobile payment: mobile client payment, WeChat scan code payment, WeChat *** payment, Alipay scan code payment, Alipay H5 payment, QQ wallet, smart payment wallet, Apple Pay payment, online banking WAP payment.

E-wallet: smart pay e-card, ding ding card, batch transfer, fund protection insurance, security protection system, smart pos series: smart pos machine, MPOS smart cash register.

Jumatong, aggregate payment, is a product of Wuhan, relatively mature, Wuhan Hui Xinhui.

I use Jimmy Wallet now, it's safe, convenient and guaranteed, you can try it.

UnionPay Quick Payment: Quick Payment is a safe and convenient payment method provided by UnionPay for cardholders. After registering as a UnionPay** payment user and linking your bank card, you only need to enter your username, login password, and SMS verification code to complete the payment.

UnionPay Authenticated Payment: Authenticated payment refers to a payment method in which the cardholder enters the bank card information (card number, password, CVN2, etc.) and mobile phone number (reserved with the bank) before entering the bank card information on the UnionPay Huiqing page, and the transaction can be completed through the bank authentication.

If you pay without a card, it's much more convenient than a machine, and you can swipe it without tying a card, but you must use the products of a regular payment company, I have been using fun brushes for more than two years, and there has been no problem, you can go and see (solve the problem in stages.) Don't expect to solve all the problems at once, and don't give up all because some aspects are unsatisfactory, first solve whether there is any, then solve whether it is good or not, and then solve whether it is expensive or not, and dynamically grasp the quantitative and qualitative changes between the three. ）

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