POS machine knowledge
Basic knowledge of POS machine
First, what is a POS machine?
Simply put, the merchant is used for non-cash settlement payment collection equipment. It can read the information of bank cards, membership cards and bar code two-dimensional codes, and is mainly used in bank card acquiring services.
2. What is the role of the pos machine?
â— Ensure the safety of funds and prevent cash transaction risks â— Effectively prevent cash counterfeit banknotes and eliminate the need for change â— Automatic sales records and consumer ticket printing â— No need for large amounts of cash in the store, eliminating the hassle of access â— Convenient customer non-cash Consumer demand, improve service level â— Can meet all domestic bank cards for consumption â— Simple formalities, more convenient for private accounts â— Lower credit card fees, lower operating costs
Third, what types of mainstream POS machines
Traditional POS: Fixed and Wireless
â—Fixed type: There are broadband lines and telephone lines for communication;
â— Wireless mobile: Communication methods include GPRS, Bluetooth, WIFI, etc.
â— Mobile phone card reader: sub-audio links and Bluetooth connections â— audio card reader: the communication method is: access to mobile phone audio port, commonly known as audio hand brush;
â— Bluetooth card reader: The communication method is: There is a keyboard version with a password and a card version.
Note: The card reader also has the difference between magnetic stripe cards and chip cards.
What is a third-party payment company?
Has an accredited central bank; an independent third-party agency that provides payment and settlement trading platforms. The business scope of third-party payment companies is generally as follows: bank card collection, Internet payment, and prepaid card issuance. At the same time subject to geographical restrictions. The business types of third-party payment companies include payment companies such as Alipay, Tenpay, and other Internet payment companies, and UnionPay Commerce, Quick Cash, etc. that provide offline bank card collection services.
V. What is "rate"?
That is, using POS machines to handle card transaction fees, the fee is determined according to the different MCC code standards defined by UnionPay according to the type of business of the merchant. The fee benefit is divided into 7 percentages by the issuing bank agency and the acquirer obtains 2 As a percentage, the UnionPay Clearing Agency received a 1 percent ratio.
What is a payment license?
That is, a business license of a non-financial institution authorized by the People's Bank of China to engage in payment services according to laws and regulations, its business types are: (1) currency exchange, (2) Internet payment, (3) mobile phone payment, (4) fixed Telephone payment (5) Digital TV payment, (6) Issuance and acceptance of prepaid cards, (7) Bank card receipts, (8) Other payment services signed by the People's Bank of China. Is it safe to get a license payment company? This is not the case. Generally speaking, the central bank does not review the market situation and the company's operating conditions for two to five years. It recovers payment service licenses for serious violations, and asks them to exchange shares with powerful companies for poorly conducted invitations. Other forms of cooperation.
Seven, a piece of information can handle several POS machines?
In principle, one piece of information can be processed for one or two machines for a private clearing account, and multiple machines can be applied to a public clearing account according to its business qualifications. But it depends on the policy of the acquiring agency.
Eight. Why does a machine have multiple rates?
From the traditional POS machines, multi-rate billing is illegal, but there is demand in the market and there is reason to exist. Different rates represent different channels of consumption, that is, different industries that are used by the same merchant. Allowing merchants to choose different types of industry based on different needs for different consumption rates.
Nine, what is the "top"
According to the rules of UnionPay's MCC code, for example: the building materials wholesale industry can apply for a fee of 0.78% to 26 yuan to cap, brush 1,000 yuan to 7.8 yuan, brush 10,000 yuan to more than 26 yuan, and a unified charge of 26 yuan. Processing fee.
X. What is a flow card?
The SAM card used for POS machine networked GPRS communication has the difference of large card and small card. It has the difference in the strength of communication signals. There is a flow card with 11-digit numbers that can be recharged and a flow card with a pre-stored flow rate for one-time use. A POS machine A traffic card.
Eleventh, POS machine printing paper where to buy, what specification?
Generally provided for agents, Taobao and stationery stores are available for sale, the market price is 0.5 yuan per roll, and the size is generally 57mm*40mm.
Note: POS printer paper is thermal paper
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