Does the withholding and payment business involve the issue of two clearances?

The collection and payment business can only be done by licensed institutions, and some institutions should also consider the business scope of the opening party, whether the other party is a business customer of the partner, etc. Your company provides withholding and payment services for other peer companies, which is theoretically in violation. If you use yourself as a platform to integrate peer resources to provide external services, the platform does not directly touch the funds, and all funds are operated by licensed institutions, which does not involve the second clearing.

In addition to solving the problem of capital compliance, it can also solve the problems of enterprise capital receipt and payment, account management, etc.

First of all, we need to understand what is the problem of Erqing? The most direct meaning of the second clearing refers to the establishment of two clearings and two clearances, and the three parties only involve two third-party payments, such as Alipay, which is generally the business of collection and payment, that is, the epidemic. Therefore, the withholding business involves the issue of two clearances.

The withholding and payment business is given to the second clear problem, which must be known by the professional department.

Withholding and payment delays. Yes, it involves the question of two thousand.

Buckle payment business. When it comes to the second light issue.

Does the deduction and payment business involve the issue of two clearances? Withholding. Payment.

For half a month, I am the world's second clear problem and three clear problems.

The withholding and payment business should involve the issue of two clearances.

The second clearing is the second clearing and settlement, which means that after the institution with the clearing and settlement qualification settles the funds to the merchant in the network, the merchant will settle the funds to the downstream sub-merchants.

The essence of the second clearing is that it is an institution that does not have the qualification of clearing and settlement, but provides clearing and settlement services.

I'm going to write about my own understanding, please know that all the heroes in it are corrected.

1. The second clear is for the first clear.

2. The most direct meaning of the second clearing refers to the existence of secondary liquidation.

3. The second clear involves three parties, and the first clear only involves two parties.

4. Third-party payment such as Alipay is generally a business of collection and payment, that is, a clear.

For example, our company's payment platform cooperates with a company's business platform (referred to as company A), and there are many ** merchants under company A's business platform, that is, small B, (small B's business on the platform of company A, company A will have a share of profits) After the business platform of company A is docked with our payment platform, our company is a clear of company A, and a clear is a clear for small B, because the business of small B is based on the platform of company A and company A.

The easiest way: the arrival time at about noon can be basically determined to be a clear machine, after 3 o'clock in the afternoon or even at night to arrive in the account is basically determined to be the second clear machine, hope to adopt (Lefu pay for your answer).

You can go to the people's official website to check whether it is a regular machine, one clearing machine is directly settled into the card, and the second clearing machine should be noted.

Two clear, one clear words should be paid on behalf of the customer!

It must not be safe to fight, and the remittance party is the bank's regular clearing machine. Your kind is the second cleaning machine, which is paid in advance by other companies, and then the bank remits the money to their company. You don't have anything to do with the bank, but their company can manipulate your account at will, which is very insecure.

The brush is clear, but you can't choose your own industry, you can exchange for the door, you can choose your own industry, so that the bill is richer.

The A platform you described has already involved the second clearing, and the solution is to solve the problem of "two clearing" by relying on access to the sub-account system in addition to obtaining a payment license by yourself.

As long as you have a relationship with this platform, it is impossible to break away from the relationship and have fun together!

Platform A has been suspected of being cleared twice. There are two ways to solve the problem of Erqing: First, the technical strength of the platform is strong enough, and it has a good business cooperation relationship with the bank, and the time requirement is not so urgent, so you can consider building your own payment platform to connect with the bank's compliance plan.

2. Cooperate with established third-party companies. Because the bank's products are standardized and cannot meet the needs of various users, the platform needs to spend a lot of time communicating with the bank, studying the bank's system and interface, and connecting them one by one. At the same time, banks sometimes cannot meet the needs of specific business scenarios of the platform, which will lead to the need for customized development when the platform is connected to the bank, so that the platform needs to invest more manpower and time.

Interbank ATM:

Bank of China: 4 yuan for cross-bank transactions in the same city; 9 yuan across the province in the province; 12 yuan for inter-bank transactions outside the province; 15 yuan overseas.

CCB: 4 yuan for inter-bank transactions in the same city, and 1% plus 2 yuan for inter-bank transactions in different places (inside and outside the province) (capped at 100 yuan).

Agricultural Bank of China: 4 yuan for inter-bank transactions in the same city and within the province, and 1% plus 2 yuan for inter-bank transactions outside the province.

ICBC: 2 yuan for inter-bank transactions in the same city, 2 yuan inter-bank handling fee for inter-bank transactions in different places, plus 1% of the withdrawal amount as withdrawal handling fee, with a minimum of 1 yuan and a maximum of 50 yuan.

Postal savings: 2 yuan across the same city; 2 yuan pen + across the bank; Up to 50.

China Merchants Bank: 4 yuan will be charged for inter-bank transactions in the same city and within the province, and 4 yuan will be charged for inter-bank transactions outside the province.

Bank of Communications: 2 yuan for inter-bank transactions in the same city, 2 yuan for inter-bank transactions in different places (inside and outside the province), minimum 10 yuan for transactions, and a maximum of 100 yuan for transactions.

People's livelihood: free inter-bank in the same city, 5 yuan for inter-bank in different places (inside and outside the province).

Huaxia: The first 10 transactions of each card per day in China are free, and the excess will be charged at 2 yuan.

CITIC: The first two transactions of the same city and intra-provincial inter-bank are free of charge every month, the third is 2 yuan, and the maximum is 200 yuan for inter-bank transactions outside the province.

IB: Regardless of whether it is in the same city or in another place, the first 3 transactions per month are free, and a handling fee of RMB 2 will be charged for each transaction from the fourth transaction (Xiamen area will be charged from the first transaction to RMB 2 per transaction).

Bank of Nanjing: Regardless of the same city or other places, the first 3 transactions per month are free.

Bank of Jining: There is no handling fee for withdrawing money at all ATMs that support UnionPay.

Fushun Bank: The departure card ATM nationwide (except Hong Kong, Macao and Taiwan) inter-bank withdrawal fee is exempted.

Recently, we received a notice from the local regulatory department that the platform is suspected of 'Erqing', and the merchant account is currently closed, and the payment is also in a stagnant stage, so I don't know what to do. "The person in charge of an e-commerce platform, He consulted mallbook online. In order to better answer the current "two clear" risks encountered by e-commerce, I will give you a brief interpretation of the inevitable conditions and avoidance methods for e-commerce to touch the two clears.

1) Merchants have frequent transactions, and the cumulative transaction amount is too large. For example, merchants that rank within the top 30 in terms of cumulative transaction volume and do not match the actual business scale.

2) Centralized transfer in and out of funds, involving cross-regional transactions.

3) The amount of funds transferred in and out of the merchant is obviously inconsistent with its actual business scale and business activities.

4) There are obvious traces of merchant split transactions, for example, in order to avoid the excessive amount of a single transaction, the amount of multiple transactions is near the amount that triggers risk control.

5) The merchant recharges a large amount of money in the payment business, and transfers out unreasonably and does not match its business model.

6) The merchant pays the funds in and out quickly, leaving no balance; or leave a certain percentage of the balance and then transfer out, the transitional nature is obvious.

7) Adopt platform docking or "large merchant" mode access, retain merchant settlement funds, and carry out merchant fund settlement on their own, or customer funds are first transferred to the online platform account, and then settled by the online platform to the secondary merchants of the platform.

8) Multiple different merchants use the same bank settlement account. Except for the case that the special merchants of chain operation or group management need to collect funds.

9) The account opened by the merchant or the platform for the customer or the e-wallet provided by the customer has payment functions such as recharge, consumption, and withdrawal.

10) The outsourcing institution or merchant has "payment", "settlement", "e-wallet" and other contents in its industrial and commercial registration name or business **, or has "pay" and "zhifu" in its business ****, but has not obtained the "payment business license" issued by the People's Bank of China.

11) If the amount of complaints involved in daily inquiries and order adjustments is large, and a valid order voucher cannot be provided, the complaints are mostly handled by way of refund.

12) The outsourcing agency or merchant is reported to have violated laws and regulations such as "two clearances".

In view of the "two clearances" risks faced by most e-commerce platforms, how to effectively avoid them?

In fact, the core reason why the platform is linked to the "Second Qing" is that it does not hold the "Payment Business License". However, it is not easy to obtain a license, so the only practical and effective solution for the second clearance needs to be achieved with the help of a sub-accounting system. The mallbook sub-account system is based on the account, through the internal account reserve account of the licensed financial institution, the automatic sub-account settlement to the corresponding merchants, the platform in the whole transaction cycle, can not embezzle consumer funds, to ensure the effective isolation of member funds and platform funds.

Only in this way can we truly help enterprises avoid the potential risks brought about by the "two clearances". At present, the sub-account system supports a variety of business scenarios, including China Merchants Bank, UnionPay Commerce, Postal Savings Bank, etc.

If the current amount of funds is not large, the impact is not large.

Once the trading volume is up, it is likely to be stopped by the regulatory authorities and rectification is required. Previously, Meituan, Mushroom Street, Youzan, etc. were all interviewed for the "Erqing" issue.

According to the Interpretation of the Supreme People's Procuratorate and the People's Court on Several Issues Concerning the Application of Law in Handling Criminal Cases of Illegally Engaging in Fund Payment and Settlement Business and Illegal Foreign Exchange Trading, illegal engagement in fund payment and settlement business (virtual payment and settlement business, cash-out, etc.) is subject to criminal punishment. Therefore, as much as possible, before the e-commerce platform is launched, solve the problem of two clearances, so as not to cause unnecessary losses.

How to divide it, whether the payment interface is divided or offline.

If it is divided online, the interface will be closed, and the corresponding punishment will be given if it is found.

I want to avoid second feelings on the e-commerce platform, first of all, in terms of funds, and in terms of operation, we must follow the process.

Now the e-commerce platform is not easy to do, and it is required to apply for a business license, and it is the same as the entity company, and it is necessary to do accounts and tax declarations. If you do not follow the regulations in the later stage, you will be fined.

If it is a reasonable and legal use of funds, why should it be checked? If you sell counterfeit goods or launder money, swipe orders or something, and are found out, then you will definitely close the platform or freeze the funds.

The e-commerce platform must have its own capital management system, you have to ask a financial officer to help you make up, and another is because he has to pay taxes, you can't say that you have passed through your own platform, will this cause tax evasion?

It is best to choose the top two e-commerce platforms in China, and the small platforms behind are not long-lived.

It can be viewed in time to avoid similar situations.

You can also update your own stuff from time to time.

Find a third-party platform agency. Well, help you quickly interface with the bank's payment system.

The sub-accounting system can well avoid the problem of two clearances and the problem of tax and financial pressure.

That means that your store has a normal capital operation in the operation fee.

It's easy to avoid, such as:

First, see if you have listed or pirated products on the shelves, if so, it will be dangerous, there will definitely be a liquidation before the year, and if there is a buyer who takes the initiative to report, it is easier to be liquidated, the way to avoid this I don't say you also know, you can figure out how to replace the products of regular channels;

Second, the sales problem, some sales may be abnormal, you just need to operate on some better rebate platforms, real delivery, receipt, as long as you don't make too much too big, this should be no problem, keep it at 3 10 orders a day, it doesn't matter, even if it is liquidated twice, because you are a normal amount and operation.

It's hard to say whether it's a clear machine or not, you go to your card issuer to check the remitter of the money, and look at whether it's UnionPay, a bank, an individual, or a company. If the individual is Erqing, if the company is a specialized payment company, it is a clear, if it is another company, it is Erqing. The arrival time at about noon can be basically determined to be a clearing machine, and the arrival time after 3 p.m. or even at night is basically determined to be a second clearing machine.

If you choose this, you must choose a regular one, which rates are low, and it is easy to seal the card, and if you need it, you can ask me Didi to send it for free.

Zhongfu was reported collectively by ** 3000w merchants who did not receive the account.

Cut it, it's not safe, it's private.