Is UnionPay cardless payment safe and what does UnionPay cardless payment mean

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Information leakage security tips: Alipay binding bank card risk is relatively small, and now it is the Internet era, the key is that the client you use is relatively safe, ensure that there is no virus in the computer and do not tell the password account to others and other precautions.

Fun brush has always been able to brush Guangfa, he doesn't need a card to brush it, isn't it fragrant? I don't like it when I run around with a machine every day, life is made up of unsatisfied desires and pain and unhappiness after satisfaction.

I feel that I generally don't dare to use the account slowly, the machine is inconvenient, you don't need the fun brush of the machine, you can swipe the card, you can use it for six months, the rate is low in seconds, and you can try it with a licensed payment company.

There are too many machines, I don't know which one to choose, I've been using the fun brush, this regular and has points, no card is better than the machine.

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).

In layman's terms, UnionPay's cardless payment is like the online payment we use Alipay and WeChat Pay. However, ordinary payment requires the input of card number, password, and verification code. This will be more troublesome.

UnionPay cardCard-not-present paymentsBusiness refers to the bank card payment business in which UnionPay cardholders provide UnionPay card number, PIN (or expiration date and CVN2), mobile phone number and certificate information and other transaction elements to the card issuer in the context of security technology protection and reputation merchant when carrying out non-face-to-face transactions through the Internet, mobile phone, TV or IVR voice, etc., and the card issuer conducts information verification and transaction authorization. At this stage, the main ones include:

Card-free collection, card-free payment, card-free ordering, card-free self-service consumption and other services. In fact, Alipay and JD.com's fast payment is UnionPay cardless payment, which is easier to understand.

Card-not-present payment is an emerging market in the payment industry, and does not implement the "fee reform" document. And the liquidation is not cleared by UnionPay.

Let's talk about the conclusion first, don't use a credit card for card-not-present payment, if you use a credit card card-not-present payment too often, although you save the handling fee, but the card blocking and reduction will soon find you. Reasonable use of credit card consumption is the key to raising the amount of credit card.

How to use UnionPay cardless payment? <>

Now credit card payment methods are mainly divided into online and offline two, scanning code, cardless payment (fast payment) and offline POS machine card are more common payment methods, among which the limit of scanning code is the most serious, generally a single transaction is up to a few hundred yuan, fast payment is in the middle, a single limit of 20,000, and POS machine is the largest amount that can be swiped.

Among them, the standard merchant card rate of POS machine is unified as the bank can earn the most handling fees, so it is recommended that you use POS machine to swipe your card, and then cooperate with cardless payment and QR code payment, so as to diversify consumption methods. Here are cardless payment brand recommendationsBaby pays, big brands are trustworthy.

What are the application scenarios for card-not-present payments? <>

For example, if we purchase a payment link such as a bus ticket or train ticket through the Internet, there will be a UnionPay** payment option, enter the card number and other above information to complete the payment; For example, there are also UnionPay** options for online shopping and payment links. This is a more common everyday use case.

However, many payment companies transfer card-not-present payment channels from UnionPay, not entirely in the above application port, but in the app, that is, in some ad response in mobile swipe apps with card-not-present payment capabilities. It's simple for cardholders and it's easy to redeem a credit card. There is nothing to blame for making the most of these rules.

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.

UnionPay cardless payment needs to be activated, and users will need to apply for UnionPay cardless payment business over the counter or online banking. Taking online banking as an example, users can log in to online banking, find online payment, select sign a contract, then select UnionPay cardless payment, fill in the relevant information, and then successfully open UnionPay cardless payment.

UnionPay cardless payment can also be applied to online payment, adding a bank card to Alipay, WeChat or third-party payment software, signing a quick payment, and then using a mobile phone to make UnionPay cardless payment.