Although the POS machine is not new, but from the point of view of the question, many children's shoes are not particularly well understood. The following is a simple science.
What is a pos machine?
To put it simply, the concept of a POS machine is now a tool for converting credit card credits into cash in a savings card.
Since it is a tool, there must be a concept of fees.
After the 2016 (last year) 96 fee change, the credit card credit rate standard class merchants have a minimum of 0.6%, that is, a fee of at least 6 yuan is required to pay a thousand dollars.
The fee is distributed by the issuing bank, UnionPay, and payment company in a 7:1:2 manner.
Because the credit card issuer needs to give feedback to the user about points and other benefits, so the points are more; and the UnionPay charges the channel fee. It can be understood that the road is for me to open, if you want to do it from now... The payment company collects 20% of the basics. It is a hard work, because it has to provide various services and technical support, and also to pay agency fees to the agent.
It can be said that after the 96 fee reform last year (2016), the payment company's current profits are quite thin.
Of course, it is not excluded here that some payment companies use the form of hopping code to damage the interests of credit card holders and earn non-compliance income. Now the code hopping is not more than the fee change, once it is brushed to the code hopping machine, light The credit card is derated and the card is closed.
So it is very important to choose a legal and compliant payment company.
Next, we continue to talk about what is the topic of pos machine, if you want to explain in a particularly detailed way it is more exaggerated, because there will be a long space, so it is still simple, I said the classification and then carry out targeted expansion.
By communication: fixed and wireless
According to the printing method: heat, needle and set
By model: Handheld, desktop and mobile
By operating system: Windows system, Android, ios and others
By user: for both public and private
The three pos machines in the above picture are wireless/thermal/mobile pos machines, which are commonly referred to as large machines in the industry. They can be used for public settlement or private settlement, that is, both merchants and individuals. Can handle.
For public settlement: The public account refers to the account opened by the name of the unit. The meaning of the public settlement is to settle the unit account.
For private settlement: a private account refers to a bank account opened in the name of an individual, which is commonly known as a savings card. For private settlement, it is the settlement of a personal account.
If such a large machine is handled by a unit or a merchant, it must provide a series of documents such as a business license, a legal person's certificate, and a unit settlement account; it is cumbersome to handle the taxation if the transaction is relatively cumbersome and subsequent to the public account.
If the private settlement is settled, it will be settled to the personal savings card. It is only necessary to provide the identity document of the person in charge, the contact number, and the savings card corresponding to the person ID card. The procedure is relatively simple.
Corresponding to the big machine is the small machine in the picture below:
The small machine uses the Bluetooth connection with the mobile phone. The mobile APP sets the amount of the credit card. After the card is swiped on the small machine, the password is entered and confirmed, the mobile APP can sign the transaction to complete the transaction.
Small machines are more portable than larger machines, and their specifications are slightly larger than bank cards and slightly thicker than regular mobile phones.
Small machines are basically for personal handling, for personal mobile collection, such as door-to-door collection of customers.
Here are some differences between big machines and small machines:
1. The large machine provides a paper purchase order, while the small machine provides an electronic purchase order. The so-called purchase order is the cash receipt ticket. The small machine cannot provide a paper purchase order because of its machine characteristics, but the electronic The purchase order is just like the popular electronic invoice, which also has legal benefits.
2, for large machines need to pay for the machine and other related costs, and small machines only need a deposit, usually after the machine is activated, it can be understood as a large machine to pay for processing, small machines for free.
3, large machines can not be brought out of the city, that is, can not be used in different places, once it is monitored to use in different places, lightly freeze the machine, heavy fines, UnionPay login blacklist, etc., and small machines can be allowed in the payment company It can be used nationwide (except Hong Kong, Macao and Taiwan).
4, most of the big machines have the functions of swiping, non-contact swiping, scan code payment, etc., while small machines generally only have the function of swiping cards, do not have non-contact swipe function, scan code payment depends on the payment company, according to whether the mobile APP Support depends.
5. Most large machines can perform credit card repayment, check balance, prepayment payment, etc., while small machines do not have these functions.
6, large machines and small machines have multi-business functions, but small machines can not be specified by merchants, and some large machines can, this function has no effect on normal card swiping, and has a certain impact on the need to raise the amount and create a perfect credit card bill. .
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