First, look at the security from the settlement channel 2. All third-party payments have a payment license issued by the central bank and are subject to regulatory provisions. 3. All directly go through the UnionPay channel settlement. I believe everyone sees it here. In fact, whether it is a bank or a third-party payment is safe, and it is all settled by the UnionPay channel, so there is no bank POS machine to arrive faster than a third-party POS machine. 2. The main profit of the third party is the rebate of a small part of the credit card processing fee, which is the distribution in the industry. This is why third-party services are more thoughtful than banks, because you don't have to use them, and third parties don't have profits. And the bank's POS machine has already done your bank card. In non-special circumstances, the bound bank card customer will use it. Third, look at efficiency from the time of approval 1. We all know that all the affairs of the bank need to be approved at different levels. Every day, nine to five, one hour, one shift, and other holidays on Saturday and Sunday are basically only on duty, so the approval time is too long. I have heard a customer say that the POS machine from ICBC has not been down for a month, and later found a third party, and it will come down in two or three days. 2. The third-party payment company has a simple institutional relationship, submits information directly to the headquarters through the background, and is approved 24 hours a day, and the personnel are handled at home, and the door-to-door installation is generally available within two or three days. Fourth, from the model to see the use of convenient 1. The bank's POS machines are mostly fixed POS machines connected to the telephone line. There are several mobile phone users, and there are several shops to install the phone, and the fixed POS machine will charge one minute of local call charge per brush, which is inconvenient and costly. High again. 2. The third party can provide MPOS (mobile phone card reader), you can carry it with you, and you can give the Metropolis a year of traffic. If you want to brush it, you can do whatever you want! Not subject to geographical restrictions. V. Differences in the information required for the application 1. The bank needs a business license, a legal person ID card, and a savings card for the bank to handle the POS. If the company still needs an organization code certificate, a bank account opening permit, and a tax registration certificate. And I need to go to the bank to fill out various forms and deduct the official seal. 2. The third party procedures will actually be simpler. Six, POS machine rate difference 1. The bank will handle the industry standard rate after the 96 fee has been changed, and the third party payment may help you get the preferential rate. 2. The third party will reasonably help you to save unnecessary fees and choose the most appropriate rate for you. The rest will be earned, and in the long run, the handling fee will save a lot of money. Seven, POS machine for third-party more professional 1. Handling POS machine third-party payment is more professional, look at the situation of the bank-side POS machine reflected by the customer below: 1 Phenomenon: Individual banks only apply for capping POS machines, and other rates are not allowed; Secret: The basics of capping are large transactions, banks can pull large deposits, and small merchants simply don’t want you. 2 Phenomenon: When consulting the bank personnel, they will retrieve the information and then answer you. Secret: Bank personnel basically outsource POS maintenance to service companies. You can think about service efficiency if your machine has problems. 3 phenomenon: When you go to the bank to consult the POS machine, they will let you leave the phone to call you back later or give you a call to let you contact the person. Secret: The bank is working with third parties and has a stake in it. 2. Other advantages of third parties 1 Independent merchant back-end: You can check the transaction records at any time, so that you can check the management accounts. There are other quick query methods: For example, some acquirers can pay attention to WeChat public accounts, real-time transaction reminders, online merchant services, etc. 3 Others: credit card peripheral knowledge training and so on. In summary, this is why more and more people will choose third parties because they pay more attention to efficiency, focus on cost, and focus on service. 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According to the survey, the POS machines of major banks in the first-tier cities in China are basically free, but why do more and more people still find third-party payment institutions to handle pos machines? Xiaobian helps you analyze it in detail:
1. The bank's POS and third-party POS have a big leader: the People's Bank of China.
Second, look at services from the profit points of banks and third parties
1. As we all know, the bank's main source of profit is loans. The POS machine's loan income relative to the bank is simply a slap in the face. The real purpose of the bank to handle the POS machine is to pull the deposit, which means that the card must be the bank's savings card after the customer swipes the card. This is why the POS machines of which banks must be used to bind their bank cards.
2 The latest models: update and follow the trend of the times, electronic signatures, WeChat payment, Alipay support, flash payment and other functions are more and more, the volume is getting smaller and smaller.