The card not present payment item is better now

It depends on what you do, promote to make money or use it for yourself?

From the perspective of the bank's payment department, I would like to share a few points on cardless, I hope it will be useful to you. The scope of payment is very wide, and there are roughly three directions: traditional payment, mobile payment, and Internet payment. Traditional payments, such as POS card collection; In recent years, with the rapid development of the economy, the state has encouraged innovation in the financial industry and supported the vigorous development of non-bank private enterprises.

Internet payments include card-not-present payments.

Cardless payment: No need to bring a card, no need to open online banking, use the four elements of payment verification (ID number, bank card number, reserved mobile phone number, dynamic code, etc.), combined with UnionPay security authentication, to allow cardholders to complete the payment method of Internet payment.

So, what are the application scenarios for card-not-present payments? For example, if we buy air tickets, train tickets, etc. through the Internet, there will be a UnionPay** payment option in the payment link, and the payment can be completed by entering the above information such as the card number; Another example is online shopping, and there is also a UnionPay** option in the payment process. This is a common application scenario in everyday life.

However, after many payment companies transfer from UnionPay to the cardless payment channel, they do not completely place it in the above application port, but in the APP, that is, the APP in the mobile card reader in some advertisements has a card-not-present payment function. Doing so is simple and convenient for cardholders to transact credit cards. This is understandable, make the most of the rules to make a profit.

There are two points for cardholders to remind them: card-free payment is a channel for online fast payment, which is different from the traditional offline card swiping, and the card-free rate is lower and cannot be used as a regular transaction method; The safety of funds is the first priority, and now there are too many "advertising companies", and there are always a bunch of marketing rhetoric that makes people unable to distinguish right from wrong and get tricked.

Some of the apps are directly connected to UnionPay, and some are fast lanes to transfer to payment companies. The two ways are definitely better for UnionPay direct connection channel, and UnionPay direct clearing of funds, which is more secure for cardholders.

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).

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

Cardless payment is simply mobile phone payment or mobile payment, the prospect is still good, and more and more will be used later, such as credit card repayment software, such as Lemao Zhifu, which has nearly two years of operating experience, and there is no need to worry about security issues.

<> "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.