At present, the POS machines of major banks in China are basically free of charge. The first-hand brand is free of charge. The pos machine on the market should be monopolized by the bank, but the reality is not the case. We can see that in the payment industry, many third-party brand operations are booming, and the market is unstoppable and banks are robbing the market. And more and more people are also keen to handle POS machines of third-party payment institutions. Today, I will analyze the reasons for this.
First, from the point of view of the settlement channel, banks do not have to say that third-party payment institutions that want to engage in the payment industry must have a payment license issued by the central bank and pay regulatory provisions. Both the bank and the third-party POS machine must go through the People's Bank of China and go through the UnionPay channel settlement. Different births, the same standards, so as long as you choose a formal third-party payment agency to handle POS machines, there is no financial security problem.
Second, from the perspective of service efficiency, the karaoke card processing fee is not worth mentioning to the bank. An important purpose of the bank promotion POS machine is to pull the deposit. Before the change of the 96 fee, many banks implemented the card. The policy of free of charge, as long as the customer deposits a sum of money in the bank account (generally 50,000 to 100,000, and there is no interest), the POS machine under the customer name can not pay the credit card fee when collecting money. However, fees are an important source of profit for third-party payment agencies. Therefore, looking for a bank to handle a POS machine often requires low-level approval, but you can find it at a third party.
Third, from the point of view of convenience and humanity, the POS machine applying for the bank often needs a lot of materials, business license, legal person ID card agency code, tax registration, etc. Most of the machines that are applied for are fixed machines, not only occupy the telephone line but also Pay the phone bill. But the third-party POS machine is different, an ID card, a savings card for payment can be opened, and there are many types of models available. The big mobile POS machine will also give away one year of traffic, and the small MPOS even You don't need a network, you can use it when you connect your phone. It will also give customers a management background, and now it is mainly based on mobile apps, which is convenient for customers to reconcile.
Fourth, from the point of view of preferential strength, third-party payment institutions will basically launch the function of seconds to account in order to win customers. Of course, the price is two yuan per pen, depending on the customer's own choice.
In summary, as Ma said, the bank does not change, we will change the bank. Third-party payment companies pay more attention to efficiency, focus on service, and focus on user experience, so they can attract more and more customers to choose third-party POS machines.
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