In order to maintain the market order of bank card receipt and outsourcing services, standardize the outsourcing management of the acquiring business, and guide the healthy development of the acquiring market, the China Payment and Clearing Association organized the “Guidelines for the Rating of Outsourcing Service Organizations for Bank Cards”, which was released yesterday.

Full text please poke link:

Notice of the China Payment and Clearing Association on Printing and Distributing the Guidelines for Rating of Outsourcing Service Organizations for Bank Cards (with Rating Guidelines and Standards - PDF Version)

Note: For the PDF version, please pay attention to the public number ZFZJCN and reply to the “Agent Rating” for free in the background.

However, I found a problem, such an important document, did not cause enough attention of the agent group, or even the focus of the tens of thousands of dollars of punishment of a certain payment company. Anyway, it is surprisingly indifferent.

I tried to send the original file to several POS reseller groups, but I was rarely noticed and discussed. This may be because they would not have thought that there would be a regulator to develop a set of rating criteria for the outsourcing service provider group. After all, most of the policies were implemented directly by the payment agency. It is not excluded that because of too much content, agents need time to digest.

To be honest, once the “Guidelines for the Rating of Outsourcing Service Organizations for Bank Cards” issued by the Association is fully implemented, the impact on the POS agent group and other outsourcing service organizations is enormous, which will inevitably lead to the survival of the fittest, and some small and medium-sized outsourcing services. Institutions may be at risk of being marginalized, and some outsourcers who travel in the gray area may also be out there.

So be sure to pay attention to this document, it is best to print it out for further study. Of course, I will also write a detailed explanation or strategy for the POS agent group tomorrow.

There is a lot of chaos in the field of bank card collection. Everyone who is in the industry knows better than anyone else. This kind of chaos has even become commonplace.

The chaos in the payment industry has been around for a long time, and it can even be said that it has existed since the beginning, especially in recent years. Credit card cashing, second clear POS not account, hopping code buckle, false merchants, cutting machine, malicious refusal to pay, fake card pirate brush, recovery, no hair extension banner rights... It is hard to imagine, if there is still The chaos of how many payment industries are listed, each one is enough to write down a full page of paper.

From the punishment of 8 payment institutions in 2014, to the regulation of bank card receipt and outsourcing, the second clearing of funds, and the latest all-round sampling and punishment, the central bank has gradually strengthened its efforts to rectify bank card receipts in recent years.

Because of this, the People's Bank of China has issued similar notices about strengthening the management of bank card business and strengthening the outsourcing management of bank card acquiring business almost every year. Closer to the outsourcing service provider is the No. 119 document. The rating guidelines issued by the China Payment and Clearing Association are the implementation of Circular 119.

In the No. 119 document, the People's Bank of China explicitly proposed the establishment of an information sharing and rating management mechanism for outsourcing service organizations. Specifically, the China Payment and Clearing Association should establish an information sharing system for outsourcing service organizations, organize the objective and detailed records of the member units, and initiate and terminate the cooperation between the outsourcing service organizations, and timely report and update the operating status, business compliance and risks of the outsourcing service organizations. Information such as the situation, combined with shared information and self-discipline inspection results to implement dynamic rating management of outsourcing services.

Therefore, the "Guidelines for the Rating of Outsourcing Service Organizations for Bank Cards" was born!

The rating, popularly speaking, is to regulate the outsourcing service providers. The association takes the lead in urging payment institutions to score their contracted outsourcing service providers, and then the associations will summarize and report the final level. Through different levels of division, it is in turn a reference for the acquisition of outsourcing services by the acquiring institution.

In order to have a long-term development, an outsourcing service agency needs to be effectively managed by a regulatory agency. Whether it is the “Regulations on the Self-discipline of Bank Cards Outsourcing Business” issued by the Association at the end of last year, or the “Guidelines for the Rating of Outsourcing Service Organizations for Bank Cards”, this will convey a voice that is the regulatory agency’s outsourcing model. Recognition, recognition of the outsourcing service provider community.

The reporter learned that many payment agencies have been punished by the central bank for poor management of outsourced service providers. For example, at the beginning of the year, Shanghai Desheng Network Technology Co., Ltd. Hunan Branch was in the form of a real-name review of merchants, and the proportion of false merchants was high; The business management was weak, the localized management responsibility was not strictly implemented, the billing account setting was not in compliance, and the merchant training inspection was not in place. The Changsha Central Branch of the People's Bank of China was fined 90,000 yuan. The reason for the punishment here is that “the management of the outsourcing business is not effective”.

It is worth noting that a number of acquirers have tried to rate the company's outsourced service providers before this. For example, Lok Fu Payment, which has been cancelled for payment of licenses, and UBS, Zhonghui, Haike Rongtong, etc., have similar rating systems for outsourcing service providers.

However, the inconsistency of rating standards between different payment companies and the inability to share rating results are still outstanding. A professional and unified measurement standard is urgently needed and the rating results are synchronized to various payment institutions. Obviously, the China Payment and Clearing Association has done a good thing.

The above is only a slogan for the rating guidelines issued by the association. Regarding the detailed interpretation of the guidelines, the impact on the outsourcing service providers and how to actively respond to the rating work, what needs to be prepared now, what will be appreciated, and what is the relationship between the guidelines of the association and the certification of the outsourcing service agency of UnionPay. I will be coming together for everyone in the push tomorrow. (However, I see that the payment circle, payment encyclopedia, POS circle and other public numbers have already made relevant interpretations on the guidelines. I am not so anxious to write, probably it will be tomorrow, if it is not written tomorrow, then it will be hahaha.)

Finally, give everyone a suggestion, and quickly search for a company with a registration time of more than five years. If you don’t have a hand, you can buy a shell. It is not expensive, and will be used later. Do not ask me why.

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