The POS rate is unified. Why are there low rates on the market?
Many entrepreneurs or investors who have just entered the payment field know that there are a lot of rates on the market for the rate of POS payment, so today Xiaobian takes you to the rate.
The fee for the card processing fee was adjusted after September 6, 2016. And the proportion of the entire system has also changed. The original issuer, UnionPay, payment company, and the ratio of the three parties 7:1:2 have been broken. The original 1.25% and 0.78% rates have also disappeared.
The current rates are divided into three categories: standard class 0.6, deductible class 0.38-0.48, and public welfare class 0 rate.
Standard class: 0.6% rate
Reducing and exempting class: The issuing bank charges 0.325%, so the fee for the exemption class is generally 0.38%-0.48%.
Public welfare category: Public welfare category 0 rate
At present, 1, mobile payment rate: representative, WeChat payment: 0.6%; Alipay: 0.55%; 2, traditional credit card pos machine: 0.6%; 3, mobile phone POS machine: 0.6% or more
This shows that the payment company's cost rate is 0.4825. The payment company's rate space is 0.6-0.4825. But the operating costs of the payment company are relatively high. So if you see a POS machine with a rate of around 0.5, it is definitely a set of waivers or a 0 rate. The payment company must guarantee that the rate will be around 0.54 to maintain its own operation, and other fees will be extended to the service providers. Therefore, the standard class fee is definitely 0.6 is the most reasonable.
There are still a lot of 0.6 seconds to bank card products in the market, and even how to do credit card topping machines?
Because the second to the funds are paid by the payment company in advance, the cost of advancement is between 0.05% and 0.1%. If the second is only 0.6%, if the bill is in the standard industry, the payment company must lose money, so 0.6 seconds to 100% of the product should be skipped or exempted.
There is also a credit card capping machine, which is definitely a 0 rate. In addition, there are still smart phones that look high-end. In fact, they are not used in the regular order-taking system. The other Internet channels are used, and the cost of handling fees is low. Therefore, it is not surprising that the credit card is capped.
There is an old saying in China, it’s really not cheap, and it’s not cheap! If you use low-rate POS machines again and again, will your card-issuing bank still let you use it? If you stare at it, it is easy to fall into the low rate trap. In the end, there is no guarantee for the security of funds, and this will make consumers' credit cards deducted, and the card will not be worth the candle! ! Xiao Bian reminds everyone to carefully choose a low-rate machine, not just thinking about saving money in front of you, but regret it! ! And don't take the rate to compare with the advantages of mobile payment, there is no comparability at all.
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